Ageism and Racism Faced By Older People in Health and Social Care Essay

Ageism and Racism Faced By Older People in Health and Social Care Sector in UK - Essay Example This conversation focuses on that age infers different social and good commitments that came about because of collected heaps of social and ideological data sources. Numerous desires on an individual are controlled by age just as those which they are precluded from securing. This discernment has enormous ramifications on how heath care is conveyed to the more established part of the populace. Age play a huge factor on what sort of human services is given and denied to a patient.This paper diagrams thatâ while maturing opens ways to some social encounters that may not be accessible to more youthful people, it additionally closes entryways on others. There are likewise new desires towards the person as his age personalities change through time. We know about the generalizations old enough personalities from where we recognize individuals.â Age-based characters have been investigated and perceived by different sociologies yet there is as yet a shortage of information on how age adds to social personality. There is still more to think about the assortment of personalities dependent on age and on how these characters are utilized in the wide social and social standards of maturing. There is a need to hypothesize the procedures confounded social procedures and encounters associated with the progress from one age character to the next. This information is critical to investigate but on the other hand is imperative to seeing how social insurance is given, or ought to be given, to more established individuals.

Shutter island free essay sample

Julia Kristevas 1982 record of wretchedness normally has associations with film according to the thriller, a kind wherein scenes of blood and passing component noticeably, embodying a portion of the dangers to subjectivity that establish the degraded. Conversely, this paper finds misery in the filmic foundation, where difficulties to subjectivity emerge through spatial limitation, outrageous control or psychological maladjustment, and constantly lead to visual mayhem and account issue. These characteristics appear to be all inclusive to the American establishment film †the ‘institution film’ being, for the reasons for this paper, one in which the foundation is key to story association. Without a doubt, such examples of offense show up routinely all through the class settled history, being prominent in high-security settings. It is along these lines pertinent to wander from commonplace Foucauldian examinations of the establishment to a hypothetical model that fixates on the ramifications of constraint. Kristevas 1982 hypothesis of misery gives such a model, which this paper uses to clarify how anecdotal establishments influence subjectivity. We will compose a custom exposition test on Shade island or then again any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page This paper contends that as locales of outrageous control, such establishments become servile spaces, wretchedness showing inside both the mise-en-scene and cinematography. According to the refuge, wretchedness further develops in the idea of psychological maladjustment. Alluding to Scorseses Shutter Island (2010), I associate servility with the loss of character that the movies hero encounters, taking into account how wretchedness outwardly shows in the physical spaces of the refuge, and impels the story direction forward. Julia Kristevas 1982 record of servility for the most part has associations with film according to the thriller, a type wherein scenes of blood and passing component noticeably, epitomizing a portion of the dangers to subjectivity that comprise the contemptible. Interestingly, this paper finds misery in the filmic establishment, where difficulties to subjectivity emerge through spatial limitation, extraordinary control or psychological sickness, and perpetually lead to visual disarray and story issue. These characteristics appear to be widespread to the American foundation film †the ‘institution film’ being, for the motivations behind this paper, one in which the establishment is fundamental to story association. In reality, such examples of offense show up consistently all through the class entrenched history, being prominent in high-security settings. It is in this manner pertinent to veer from run of the mill Foucauldian investigations of the organization to a hypothetical model that fixates on the ramifications of constraint. Kristevas 1982 hypothesis of wretchedness gives such a model, which this paper uses to clarify how anecdotal foundations influence subjectivity. This paper contends that as locales of outrageous control, such foundations become wretched spaces, wretchedness showing inside both the mise-en-scene and cinematography. Corresponding to the refuge, wretchedness further develops in the idea of dysfunctional behavior. Alluding to Scorseses Shutter Island (2010), I associate wretchedness with the loss of personality that the movies hero encounters, taking into account how misery outwardly shows in the physical spaces of the refuge, and impels the story direction forward. Julia Kristevas 1982 record of wretchedness generally has associations with film according to the thriller, a sort where scenes of blood and passing component noticeably, epitomizing a portion of the dangers to subjectivity that establish the degraded. Conversely, this paper finds misery in the filmic organization, where difficulties to subjectivity emerge through spatial limitation, extraordinary control or psychological maladjustment, and perpetually lead to visual confusion and story issue. These qualities appear to be general to the American foundation film †the ‘institution film’ being, for the motivations behind this paper, one in which the establishment is fundamental to account association. Undoubtedly, such examples of offense show up routinely all through the class settled history, being prominent in high-security settings. It is in this way applicable to separate from normal Foucauldian investigations of the establishment to a hypothetical model that focuses on the ramifications of constraint. Kristevas 1982 hypothesis of servility gives such a model, which this paper uses to clarify how anecdotal organizations influence subjectivity. This paper contends that as locales of extraordinary control, such foundations become contemptible spaces, servility showing inside both the mise-en-scene and cinematography. According to the refuge, servility further develops in the idea of psychological maladjustment. Alluding to Scorseses Shutter Island (2010), I correspond servility with the loss of character that the movies hero encounters, taking into account how misery outwardly shows in the physical spaces of the refuge, and impels the account direction forward. Julia Kristevas 1982 record of misery for the most part has associations with film according to the thriller, a kind where scenes of blood and demise include unmistakably, representing a portion of the dangers to subjectivity that comprise the contemptible. Conversely, this paper finds servility in the filmic establishment, where difficulties to subjectivity emerge through spatial limitation, extraordinary control or psychological instability, and perpetually lead to visual disarray and account issue. These qualities appear to be all inclusive to the American foundation film †the ‘institution film’ being, for the motivations behind this paper, one in which the establishment is key to account association. To be sure, such examples of offense show up normally all through the class entrenched history, being obvious in high-security settings. It is in this way applicable to separate from run of the mill Foucauldian examinations of the foundation to a hypothetical model that focuses on the ramifications of constraint. Kristevas 1982 hypothesis of wretchedness gives such a model, which this paper uses to clarify how anecdotal foundations influence subjectivity. This paper contends that as locales of extraordinary control, such foundations become contemptible spaces, servility showing inside both the mise-en-scene and cinematography. Corresponding to the refuge, servility further develops in the idea of psychological sickness. Alluding to Scorseses Shutter Island (2010), I associate servility with the loss of character that the movies hero encounters, taking into account how wretchedness outwardly shows in the physical spaces of the haven, and moves the story direction forward. Screen Island free exposition test In the event that you have seen the film Shutter Island, you will see that subject is as per scrip in this film. Andrew Laeddis was a fighter who joined the World War Two and eliminated Germany detainees of war in concentration camp. At that point he turned into a U. S. Marshal in Boston, and became heavy drinkers and overlooked his self-destructive spouse. Her better half consumed their condo at that point suffocating their three children in the back yard. Andrew murdered his better half to â€Å"set her free† and consumed their home. As per what Dr. Cawley clarify his indications at the end: â€Å"You wrongdoing is awful, one you can’t excuse yourself for, so you imagined another self. You make a story which you are not a killer, you’re a saint, still a U. S Marshal, just here due to a case†. This film depends on a psychological medical clinic/jail, so the majority of individuals in it have some thoughtful variation from the norm. We will compose a custom exposition test on Shade Island or then again any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page In any case, I just spotlight on Andrew’s issue. Most psychological sickness patient will hold numerous clutters, similar to he likewise has oppression craziness and proclivity for savagery. Prior to analysis his issue, I think the foundation information and social variables presentation for that period is fundamental. The World War Two was end by 1945 and this story occurred in 1954. During that time, organic point of view and psychopharmacology viewpoint for unusual psychology’s treatment had a discussion/war. Previous accentuated utilize careful mediation: psychosurgery, as Tran’s orbital lobotomy or chlorpromazine medicate, to take care of the issue intensive and snappy. In any case, the last accept that invest energy and cash to make individuals â€Å"unless cheerful and peace† is commendable. Andrew is a genuine DID persistent who endured the war and fratricidal, likewise with affinity to savagery and suspicion. This film portrays the last psychopharmacological treatment, pretend treatment, which prompted him at last. As per the DSM-IV-TR 5-pivot to determination his indication: lâ Axis I: Schizophrenia and PTSD. Singled, scene. This is evident in the entire film. lâ Axis II: distrustful character issue and reserved character issue. lâ Axis III: the film doesn't specify on the off chance that he overdose or not. Be that as it may, he had been utilized chlorpromazine for a long time and his hands will shake severely when he quit taking the pills. Additionally, his headache might be brought about by ailments, as well. This isn't clear in the film). lâ Axis IV: stressor from tempest or water will cause headache or regurgitation. Some other things about Nazi/German will cause streak back to the concentration camp and recall the Jewish music at that day. lâ Axis V: I am issue that Andrew’s GAF score is lower than 30. This is appalling to such an extent that Andrew has such a sign ificant number of issues. The film is just two hours however we can see the issue from his practices. As indicated by analysis from film: â€Å"patient is profoundly clever, exceptionally whimsical adorned armed force veteran, present for the freedom of Dachau previous U. S. Marshal. K

Boren Fellowship Essay Samples

Boren Fellowship Essay SamplesBoren Fellowship Essay samples are an excellent way to get your ideas across. They're available in many different styles, and the examples will show you how to achieve the best writing style for your requirements.When writing your first essay, it is a good idea to learn more about essay examples so that you can begin developing your own style. There are some things that you will want to consider when you begin to write, such as being concise and precise, and using a written style that is straightforward and easy to understand. These ideas will be especially useful if you are taking your first stab at the profession.Bores usually write as a result of a lack of confidence in their abilities. The key to writing successfully is learning how to trust your abilities. As you become more confident, you will be able to develop a way of writing that can stand out from the competition, and will help you to be accepted into a prestigious institution.One important wa y to improve your writing is to avoid the common errors that students make. This means that you need to avoid using too many technical terms and you should also make sure that you are not using confusing sentences. It is important to note that the faculty of the University are human and are quite prone to making mistakes, but you must do your best to avoid them.When writing your essay, you should also try to have fun. You should write each essay as if you were the author, and you should also include lots of original thoughts and suggestions. If you are not sure what to include, it is best to ask the faculty on what ideas they would like to see included in the project.If you are looking for online essay samples, then you should first search the Internet for them. You should then read through the different examples and choose which ones will be best suited to your needs. You can then copy the writing style that you find most suitable, but of course, try to avoid copying the entire sty le guide.When you are using a sample, make sure that you research the topic before you begin to write. You can start your research by checking out the main keywords that people are using to find information about the subject. Once you have found out which words people are using, you can use these words throughout your writing so that you can focus on the important points that people are searching for.This will ensure that you will be less likely to make a common mistake. However, you need to be aware that it is important to remember that this is only one part of your writing. The final document that you produce will still have to be unique to meet the specific needs of the school.

The 10 Best Devotionals for Teens in 2019

Profession- Social Work - 2056 Words

Social work is a profession that offers workers to engage in a wide range of populations, agencies, or organizations. Social workers can be found in schools, hospitals, or non-profit organizations. There are also opportunities to work in the government, adoption agencies, nursing homes, prisons, or even social planning. These are just a few areas where social workers can be found, and no matter how different their tasks may be, many share one significant and empowering goal: Providing high quality care for all clients while promoting equality and social justice. Another area in which social workers are commonly found is in a hospice setting. Addressing the topic of the end of life can be extremely difficult for many. When it comes to coming to terms with death, learning to cope and dealing with terminal illnesses, hospice could be a considerable option for many. Found in an article from the NASW Journal (National Association of Social Workers), social worker Karyn Walsh quoted from t he NHPCO (National Hospice and Palliative Care Organization) (2003) â€Å"Hospice focuses on caring, not curing and, in most cases, is provided in the patient’s home†(p. 1). Hospices throughout society work hard for their patients in many ways. One very critical aspect of hospice care is explaining how hospice centers operate in general. Most patients receive care in their own home, which happens to be where many patients feel most comfortable. Patients may also be referred to a nursing home or aShow MoreRelatedThe Profession Of Social Work1290 Words   |  6 PagesOne of the main purposes of my interest in the profession of social work is to gain the knowledge and skill set to effectively help, counsel, and accordingly, provide services for all individuals so that their problems and needs are met. The profession of social work can be rigorous, yet it is a rewarding career that I am ready and willing to engage in. With the career being very diverse, it allows me to de vote to my community in a number of ways from working in mental health to provide adequateRead MoreSocial Work As A Profession1309 Words   |  6 PagesSocial work as a profession is a universal and opportunistic field. The field itself ranges from placements in mental health to even education. One of the most prominent and growing areas in the field is medical social work. According to the NASW, social workers in hospitals and medical centers provide frontline services to patients with conditions spanning the entire healthcare continuum. Medical social work includes settings such as hospitals, clinics, nursing homes, rehabilitation centers, etcRead MoreSocial Work Is The Profession735 Words   |  3 PagesI. Social Work is the profession by which to help others in need A. Social Workers Assess and Advocate for others in need B. They work as an intermediary to connect people with helpful services II. Older population A. Any individual over the age of 65 is apart of the older population B. The Older population is growing and there for more services will need to be utilized because people are living longer C. With more services being utilized more cost will incur D. 40% of people need assistance andRead MoreSocial Work As A Profession1928 Words   |  8 PagesSocial work, as a profession, has developed greatly over the years. As an actual profession, social work did not truly begin until the 1900s. In the 1920s schools of social work developed uniform standards for the training and education used. These standards were developed by the American Association of Schools of Social Work, which later merged and became the Council on Social Work Education. This is the group that currently regulates curriculum taught by social work schools. In 1955 the NationalRead MoreSocial Work As A Profession1826 Words   |  8 PagesWistner Social Work as a Profession University of South Alabama â€Æ' Abstract Social Work throughout the professional world has had to battle for it to be recognized as a profession and really made scholars define what a profession really is. Though it took a long amount of time and a lot of people fighting for it, Social Work has finally begun to be recognized as a profession and not just a job. This paper aims to focus on what makes Social Work a profession and what it takes to become a Social WorkerRead MoreSocial Work As A Profession1869 Words   |  8 PagesStatement Cutley S. Thadison Purpose of social work choice of social work as a profession. Social Work is a powerful, selfless profession. We as a profession enable persons within a community achieve positive and beneficial goals. We speak for those who can’t speak for themselves while teaching them how to speak for themselves. The profession of social work is about putting the needs of others before self. I have decided to pursue social work as a profession due to my desire of wanting to help othersRead MoreSocial Work As A Profession907 Words   |  4 PagesA) I would describe social work as a profession that seeks to help individuals, families, and groups in multiple ways. Social work takes into account benefits of society as well as individuals and therefore seeks for a solution to a problem that would be the most moral and right thing to do. The social work profession has multiple careers that assist with several issues such as adoption, mental health, addictions, poverty and homelessness, hospice care, and immigration and aboriginal treatment. EachRead Mor eThe Social Work Profession2035 Words   |  9 PagesIn the social work profession, the primary goal is to aid and empower individuals or families who are faced with oppression, vulnerable in society, and living in poverty (Code of Ethics, 2008). Social workers strive to improve the welfare of those who need assistance meeting their daily basic essentials for survival. According to Abraham Maslow’s Hierarchy of Basic needs, a person requires five clusters to make them an integrated and self-motivated whole in society. The five clusters include: physiologicalRead MoreThe Profession Of Social Work1761 Words   |  8 Pagesdefining social work, the phrase â€Å"a helping profession† is used quite frequently. The profession is often misconstrued with promoting the distribution of welfare. Often times, this stereotype amuses me because social work is remarkably so much more. Not only do people fail to realize that social work is one of the broadest occupations that offers various work environments, but also they neglect one of the key goals besides the act of helping: empowerment. Yes, the profession of social work strivesRead MoreEvaluation Of The Social Work Profession Essay1400 Words   |  6 PagesThe evaluation stage is an important aspect of the social work profession. Evaluation is important because it allows social workers to see how clients have achieved his or her goals in the intervention stage, thus it allows us to give our current or future clients’ feedback (Birkenmaier, Berg-Weger Dewees, 2014). When working with individuals, families, groups, or communities, the evaluation stage will vary within each of these populations. When working with individuals, the worker would focus

Labor and the World Trade Organization (WTO) Essay

Labor and the World Trade Organization (WTO) Seven years of trade negotiations at last gave birth to the World Trade Organization (WTO) in 1995, the U.S. labor movement was one of its leading skeptics. A world trade organization, labor supporters argued, would only accelerate the headlong rush to laissez-faire by dismantling national regulations. It would overwhelm attempts by nations to defend living standards and the ability of unions to fight for wages and health and safety laws—and it would make it harder for nations to defend the rights of workers to join unions. Labor lobbied hard against the WTO. But now, ironically, the WTO could become a critical venue for advancing workers rights worldwide. For the WTO has the power to review†¦show more content†¦If employers are compelled to treat workers decently, they will deploy them more productively. By that logic, certain labor practices common in undemocratic countries, such as child labor, prison labor, and denial of the right to form unions, can be seen as un fair trade practices—and, potentially, violations of WTO principles that trade should reflect acceptable rules of market competition. Since wages affect all traded products and services, labor issues are central to the ultimate credibility of the WTO as the arbiter of a consistent rule-based international trading system. To the extent that wages are artificially held down because labor rights are abrogated, an indirect subsidy is extracted from these workers by their governments policies, which arguably violate the WTOs free trade philosophy. During the WTOs second-year review in late 1996 in Singapore, the United States actively sought to link labor rights with trade. However, this effort was blocked by a coalition of Third World nations (who saw the initiative as a form of protectionism) and the European Union (which was then dominated by conservative governments). Nonetheless, the attempt put the U.S. government on the side of trade-labor linkage and forced WTO members to officially consider the issue of linkage for the first time. Even Sir Leon Brittain, the Thatcherite vice-president ofShow MoreRelatedThe World Trade Organization Essay1171 Words   |  5 PagesThe World Trade Organization The World Trade Organization (WTO) was established on January 1, 1995 and is the most powerful trade body in the world. It has 133 member nations and 33 nations with observer status who have applied for membership. (Americanlands) On behalf of its members the WTO promotes, monitors and adjudicates international trade (Goldstein 378) in order to establish a free trade system. It covers every field of economic and social endeavors, including: textiles, agricultureRead MoreWto Mission Statement1397 Words   |  6 PagesWorld Trade Organization (WTO) WTO mission statement The World Trade Organization — the WTO — is the international organization whose primary purpose is to open trade for the benefit of all. (About the WTO — a statement by the Director-General, 2012) The WTO has existed under its current name since 1995. (About the WTO — a statement by the Director-General, 2012) The following analysis discusses the period from 1995 to the current time, but focuses on the last 10 years. FurtherRead MoreDisadvantages of World Trade Organization (Wto)987 Words   |  4 PagesDisadvantages of World Trade Organization (WTO) 1. The WTO only serves the interests of transnational corporations The WTO is as democratic as its member governments; and between the members it is ultra-democratic because decisions are taken by consensus — all members have to be persuaded. The rules are written by member governments, no one else has access to the negotiations. However, governments, which are elected democratically by their citizens, do take into account the views of various groupsRead MoreThe World Trade Organization ( Wto )1741 Words   |  7 PagesThe World Trade Organization (WTO) is a global organization that helps countries and producers of goods deal fairly and smoothly with conducting their business across international borders. It mainly does this through WTO agreements, which are negotiated and signed by a large majority of the trading nations in the world. The purpose of the WTO is to ensure that global trade commences freely, smoothly and predictably while also aiming to create economic peace and stability in the world through a multilateralRead MoreThe Good th e Bad the Wto Essay1348 Words   |  6 PagesThe Good, The Bad, The WTO On May 19,1948, the General Agreement on Tariffs and Trade or GATT was created. This was not an international organization but an inter-governmental treaty. This provided the framework for the conduct of international trade. But this expanded and grew yearly and in April 1994, in the Uruguay Round of Multilateral Trade Negotiations expanded on the GATT and created the World Trade Organization or WTO. The World Trade Organization was created with a goal and ultimateRead MoreInternational Trade900 Words   |  4 PagesFair Trade There is only one international organization that deals with global trade and that is The World Trade Organization (WTO). The WTO deals with the rules countries use when trading between each other. The goal is to help producers of goods and services, exporters, and importers conduct their business (WTO, 2011). The WTO helps with trade negotiations, implementation and monitoring, dispute settlement, building trade capacity, and outreach. The WTO is a great organization with the intentRead More Trade and Environment Essay1539 Words   |  7 Pages Trade and the Environment: The WTO’s effect on the enviroment following the second World War, a document known as GATT, or General Agreement on Tariffs and Trade, was established with hopes of increasing trade and helping ease tensions between nations. Through a system of rounds and meetings, tariffs between countries were lowered, increasing trade. The past half century since the creation of GATT has seen an immense increase in worl dwide trade. Resulting from one of these quot;rounds,quot; whereRead More International Trade Essay814 Words   |  4 PagesInternational Trade In today’s world there are many issues in need of reformation, one of which is international trade, otherwise known as globalization. Although there are a great deal of rules, regulations, and policies imposed on international trade, the manner in which those rules have been enforced is a major controversy that seems to be escalating day by day. At the center of the controversy is the World Trade Organization (WTO). The WTO was established in 1995 in order to transform theRead MoreInternational Trade : Economic Activity Of Nations1627 Words   |  7 PagesInternational trade is important to the overall economic activity of nations, including the growth and domestics’ production. According to the United Nations Conference on Trade and Development (UNCTAD) and WTO, international trade has grown remarkably in recent decades as shown in figure 1 and 2. It can be seen that the growth of trade has led into the rapid economic growth in some countries. The reasons of rapid growth in world trade is due to the reduction of trade barriers at global and regionalRead MoreEssay about World Trade Organization1438 Words   |  6 Pagescontroversies connected to the World Trade Organization (WTO), most American citizens don’t know what the WTO actually is or what it does. Because there’s so much the average person doesn’t understand, we need to look at the background of the WTO before we can discuss any further details; then we will look at possible explanations of why people protest, and finally we’ll focus on whether or not any protests were justified. nbsp;nbsp;nbsp;nbsp;nbsp;The World Trade Organization is designed to create the

Types of Problem The Case of Esther Osei †MyAssignmenthelp.com

Question: Discuss about the Types of Problem Case of Esther Osei. Answer: Introduction: Relevant essay mainly states the problems that were faced by Esther Osei, while repairing a loan of 6,000. The essay directly state the different types of problems that could be faced by an individual of adequate agreement review are not conducted by the loan taken. The case of Esther Osei is a good example, where individuals should adequately check the loan documents before taking any kind of decisions. Relevant cases of frauds also discussed in the essay, which help in highlighting the unethical measures used by loan companies to increase the interest rate. Lastly, the overall evaluation of the Esther Osei case is been conducted. The overall AC also helps in identifying the relevant issues from the case study which could directly help future loan receiver to make adequate decisions. These issues identified from the case could eventually reduce the high interest rate loan Agreement that was conducted by loan providers. Discussion: The overall debt of 6,000 directly grew to 116,000 due to the negligence of Esther Osei in conducting relevant agreement with Broadwick Financial Services. Firstly, Esther Osei Mili borrowed the loan of 6,000 only because of the need for her father's funeral and to buy a cooker for her Clayton home (News 2017). However, there were relevant repayment issues that could be seen from the situation. The overall debt of Esther Osei was out of control due to the high end interest rates claimed by Broadwick Financial Services. Esther Osei mainly stated that loan providing agent came to her and directly provided the loan, where Esther Osei did not even look at the agreement and took the money for a father's funeral. this decision is mainly considered by Esther Osei one of the worst of its kind, which directly altered her future life. There were many instances where Esther Osei had complaint in court regarding the problems faced by thefinance providing company (Chapman and Lounkaew 2015). In addition, there two to three instances where both Broadwick Financial Services and Esther Osei faced in court due to the non payment of loan instalments. there was a certain system used by Broadwick Financial Services, missing out of instalment payments could directly impose more Surcharges and penalties on to the loan amount.This directly increased the loan amount exponential.Moreover, the non payment of interest was also being charged as an interest to the borrower. This directly increased the overall debt of 6,000 to astonishing 116,000 in 18 years. Moreover, it was claimed by Esther Osei that interest rates on the loan was not disclosed adequately to her while discussing for the alone requirement (Moss et al. 2015). This non disclosure of interest rates is relatively problematic in nature, where individuals are not able to identify the actual amount that needs to be paid for the borrowed amount. This mainly increased void in repayment instalments, which directly increased the loan amount of Esther Osei. Esther Osei after seeing the loan amount raised to 116,000 approached North Manchester Law Centre for a settlement. this mainly included irrelevant hearings and discussions with the loan provider, where a deal was cut between Broadwick Financial Services and Esther Osei.This deal when he stated that loan amount could be reduced from 116,000 to the amount offer of the house and an additional 5,000. This mainly helped Esther Osei for reducing the loan amount substantially with the help of North Manchester Law Centre (Schiantarelli, Stacchini and Strahan 2016). The main issue that could be identified from the evaluation of Esther Osei Case is identified as below. Negligence in part of loan receiver: The main issue that could be identified from the case is the negligence that was conducted on part of the loan receiver. Due to personal problems and financial need drove Esther Ose to neglect the overall reading of loan agreement, where the loan provider has increased overall interest rates and provided certain clause in the agreement. This negligence on the part of Esther Ose mainly hampered her future existence in UK, as in the current scenario she needs to sell her house and pay the loan amount to the financing company. ONeill, Dhareshwar and Muralidhar (2017) stated that relevant news has been circulating all over the world where loan providers manipulate the loan Agreement to increase the interest rates and the profitability. This negligence on the part of loan received as directly increased the loan amount from 6,000 to 116,000. Moreover, the loan receiver also neglected the fact that major legal actions could be taken by the loan provider as legal documents have been in there custody. Currently, Esther Ose reached out to North Manchester Law Centre, which helps in reducing the overall loan payments from 116,000 to the amount offer house and an additional 5,000.This overall settlement of the loan could have been done way before than 18 years, which could have reduced the overall loan payments of Esther Ose and saved her house. Lack of information clarity by loan provider: The second issue that was identified from the case study was mainly the Lack of clarity that was provided by the loan provider. There was an agent of Broadwick Financial Services, who seeing the opportunity of getting a loan borrower directly pitched her the loan process. However, the agent of Broadwick Financial Services was not clearly mentioning about all the requirements in the loan process, which included the high interest rate imposed on that loan. Even the spokesperson of North Manchester Law Centre claimed that Esther Osei Should have read the loan Agreement before signing up, as the interest rate was drastically higher than normal rates. This forced Esther Osei to miss out loan repayment, which accumulated in time and came to an astonishing amount of 116,000 after 18 years. Therefore, from the evaluation of the case study it could be understood that loan providers are conducting business, where each and every document needs to be read before entering into any kind of agreeme nt. The Bureau of Investigative Journalism (2017) stated that payday loans have astonishing interest rate of 7000 percent on most of the loans provided to the customer. This mainly indicates that loan providers are not providing all the relevant information regarding the loan agreement to the loan receiver (Bozick and Estacion 2014). Actions taken by finance providing company: There were different types of actions that were taken by thefinance providing company, among which there was no ethical actions taken by Broadwick Financial Services. The company did not ask its financial advisor regarding the steps taken in providing all the relevant information regarding interest rates to Esther Osei. This action mainly states that the company knew about the interest rates and wrongly charged its loan borrowers. In a Press interview North Manchester Law Centre urged loan borrowers of Broadwick Financial Services to look into the interest rates that have been charged by the organisation (Zhang, Tsao and Chen 2014). This mainly states that the organisation is well known for its unethical measures in hiding the interest rates in the loan agreements. The second action that was taken by Broadwick Financial Services was requirement for the payment of 116,000 from Esther Osei with a weekly payment of 75. This will mainly take Esther Osei around 242 years to pay the overal l loan amount. There is no consideration conducted on the part of Broadwick Financial Services, where it directly claimed the house of Esther Osei. Long time taken to provide relevant decisions: The last issue that was found from the case of Esther Osei and Broadwick Financial Services was the overall time taken for an adequate decision. The decision taken by Esther Osei and Broadwick Financial Services mainly came after 18 years, which directly increase the overall interest on loan amount, which in turn raise the loan instalment. There were many instances where Esther Osei was not able to pay the instalment amount, where relevant actions needed to be taken by the financing company. However, in the 18 years there was some hearing involved, which resulted is no adequate action. This mainly forced Esther Osei to approach North Manchester Law Centre Follow settlement, which could help in reducing the excessive loan amount which was accumulated in 18 years. The decision of settlement could have been conducted by Esther Osei much sooner, which could help in saving her house. Mann (2015) mentioned that relevant court actions are taken on loan providers who increase the interest ra tes without noticing the loan receivers. Therefore, it was relatively high time for Esther Osei to make the adequate decision and reduce the loan amount from 116,000 to the amount offer of the house and an additional 5,000. Recommendation for Loan receivers After the evaluation of the case study, there are relevant actions that need to be taken by loan receivers before signing into any loan Agreement. The overall interest rates that is imposed by the loan provider needs to be identified which is essential for detecting the actual loan repayments conducted by the individual.However, in case of Esther Osei the interest rate rules to 30% and a total interest rate of 18 years was around 102%. This mainly states that identifying the actual interest rates is compulsory for all the loan receivers. The second measures that needs to be used by the loan receiver is the determination of actual interest payment that is conducted after the repayment of loan. This could eventually help in identifying the minimum instalment payments that needs to be conducted by loan receivers (Cornelius and Frank 2015). The third measure that needs to be taken by the loan receivers is the charges and surcharges that is imposed if any instalment as missed out. The det ermination of the charges for instalment miss out would eventually help in identifying the extra penalties that needs to be conducted when loan instalments are not paid. This could eventually help in reducing the unethical measures that could be taken by loan providers Conclusion: Evaluation of the overall case study mainly helps in identifying the Actual problems that is faced by individuals taking loan from loan providers. The fine lines used in the agreement directly helps in identifying the relevant unethical measures that is taken by loan providers. There have been several cases in USA and UK, which could directly help in identifying the problems related to debt accumulation. Therefore, the case of Esther Osei directly depicts the relevant problems that are faced by individual taking loans without reading the fine lines in the agreement. The loan of 6,000 in 18 years grew to 116,000, which only indicates that relevant interest rates were not disclosed to the individual, Therefore, it is advisable to evaluate the loan Agreement before signing, as it might help in identifying any kind of unethical measures taken by the loan provider. References: Bozick, R. and Estacion, A., 2014. Do student loans delay marriage? Debt repayment and family formation in young adulthood.Demographic Research,30, p.1865. Chapman, B. and Lounkaew, K., 2015. An analysis of Stafford loan repayment burdens.Economics of Education Review,45, pp.89-102. Cornelius, L.M. and Frank, S.A., 2015. Perspectives on Student Loan Debt Levels: Student Loan Debt Levels and Their Implications for Borrowers, Society, and the Economy.Educational Considerations,42(2), p.5. Mann, R.J., 2015.Payment Systems and Other Financial Transactions, Cases, Materials, and Problems. Wolters Kluwer Law Business. Moss, T.W., Neubaum, D.O. and Meyskens, M., 2015. The effect of virtuous and entrepreneurial orientations onmicrofinance lending and repayment: A signaling theory perspective.Entrepreneurship Theory and Practice,39(1), pp.27-52. News, M. (2017).How 6000 loan became a 116,000 debt. [online] men. Available at: https://www.manchestereveningnews.co.uk/news/greater-manchester-news/how-6000-loan-became-a-116000-1035792 [Accessed 6 Sep. 2017]. ONeill, J., Dhareshwar, A. and Muralidhar, S.H., 2017. Working Digital Money into a Cash Economy: The Collaborative Work of Loan Payment.Computer Supported Cooperative Work (CSCW),26(4-6), pp.733-768. Schiantarelli, F., Stacchini, M. and Strahan, P.E., 2016.Bank quality, judicial efficiency and borrower runs: Loan repayment delays in Italy(No. w22034). National Bureau of Economic Research. The Bureau of Investigative Journalism. (2017).Payday loans companies charging up to 7,000% experience huge growth. [online] Available at: https://www.thebureauinvestigates.com/stories/2013-09-05/payday-loans-companies-charging-up-to-7-000-experience-huge-growth [Accessed 6 Sep. 2017]. Zhang, Q., Tsao, Y.C. and Chen, T.H., 2014. Economic order quantity under advance payment.Applied Mathematical Modelling,38(24), pp.5910-5921.