08 August, 2018

Diversity And Inclusion Plan: Transforming Military Culture To Embrace Diversity And Inclusion.

Imagine that you are an Organizational Leadership Consultant hired by the U.S. military to lead a key initiative to transform the military culture to embrace diversity and inclusion. To accomplish this, you will outline a plan for transforming the culture, focusing on ONE (1) of the following diversity and inclusion topics of your choice:  sex discrimination in the military,  racial discrimination in the military,  LGBT discrimination in the military, or  post-traumatic stress disorder (PTSD), as a combat-induced disability. Your Diversity and Inclusion Plan should be a minimum of 1,000 words (approximately four pages of text; the title page and references page is not included in this page count). You should use a minimum of four academic, peer-reviewed sources for your plan. Use the outline provided below for your Diversity and Inclusion Plan. Outline for the Diversity and Inclusion Plan: Your plan should include the following components. Provide headings that correspond to each of the following.
1. Title page 
2. Introduction 
3. Objective of the Diversity and Inclusion Plan 
     Indicate the focus of your topic, as an overarching problem within the military culture. 
     Describe your goals for the Diversity and Inclusion Plan 
     Introduce the process you will take to implement this plan. 
4. Evaluation of Diversity and Inclusion in the Military’s Culture 
     Describe the current and/or historical trends that relate to your topic within the military’s culture. 
     Explain the problems or trends identified by your resources. Be sure to cite each source using APA style. 
     Describe the dysfunctional thought-behavior patterns of your topic within the military culture. Analyze these patterns in terms of the cycle of Model I values, behaviors, and outcomes (A link to this model is provided in the unit readings). 
5. Transforming Stereotypes 
Using the Smith and Watson (2009) article, develop a plan for transforming stereotypes as they relate to your topic, by applying the A.R.T. approach. Provide subheadings for Awareness, Recognition, and Transformation. For each of these three stages, explain specific strategies you would use to help people overcome their stereotypes related to your topic. Which strategies might you use to honor the diversity of people from the demographic background(s) relating to your topic? Specifically, which strategies would you use to help people become aware of their Model I dysfunctions (as they relate to your topic), recognize alternatives available through Model II, and transform their stereotypes by implementing Model II values? 
6. Transforming Behaviors 
While transforming stereotypes focuses on changing thinking patterns, transforming behaviors focuses on helping people within a culture to change their words and actions. Using the Katz and Miller (2014) article, develop a plan for transforming behaviors, applying at least three of Katz and Miller’s seven From => To strategies for transforming organizations. (See the unit lesson and the Katz and Miller [2014] article for more information.) Provide subheadings for each of the three “From => To” strategies you choose to incorporate into your Diversity and Inclusion Plan. For each of these three “From => To” strategies, describe how you would apply Model II values, behaviors, and outcomes to achieve that strategy. Explain how that specific approach could help people within the military culture to transform their behaviors and achieve that “From => To” strategy. Be specific as you describe these three strategies and how you would apply Model II values, behaviors, and outcomes for each strategy. Who would be involved in the process? What would the intervention or change process look like? What would be the indicators for identifying whether or not the strategy was achieved? How would these strategies lead to change among people of all demographics related to your topic within the organization culture of the U.S. military? 
7. Conclusion 
Summarize your Diversity and Inclusion Plan, and provide any concluding remarks. Your paper should be in APA style, be sure to cite all your sources. 

      PRIVATIZATION IN PUBLIC SECTOR IN AFGHANISTAN.


      ABSTRACT
      Currently, in Afghanistan, almost 99% of everything is being controlled by the government, and that could be the one reason that lots of things mess up. The reason that I chose this topic is to find ways to be able to start the culture of privatization in my country. Where to start from and have to implement this and more importantly how to convince the government to count on private sectors. My main research objectives are to; bring positive changes in our economic system, to give space to private sectors to use the latest methods, to pave way for real democratic governmental structure, which let the public be involved in government. What I am planning to do is to do my literature review and along with that, distribute questionnaire, mentioning all these problems to collect the replies of public and then will have my comments as result.
      The problem brought about by everything being controlled by the government is massive. The government should focus on making the country more attractive to investors by providing a stable environment. They should be the guys providing stability to the region which attracts people who know how to do business. The government knows how to govern only and should focus on that. When they control virtually everything in Afghanistan they give loopholes from which a lot of public funds can be swindled through corruption. Also these vice discourages the act of democracy which hinders the growth of a nation. The private sector in a country acts a price control between themselves such as the competition makes prices cheaper and more affordable to the people of Afghanistan.
      My choice of topic is aimed at giving the Afghanistan government an insight into what they will benefit if they choose to allow some sectors to be managed by the private organization. These benefits will impact positively to the people of Afghanistan and also the government will reap some benefits. The period of one power controlling everything is a country is long past and my country should not be left behind in embracing the new way of doing things like how other major economies are doing in the World. The leadership of Afghanistan should give a chance to the people of the nation to invest in businesses and employ themselves while also providing employment to others in the society.

      INTRODUCTION
      Privatization of public sectors in Afghanistan is a move which has been received well within and also outside of Afghanistan. It has been a topic of wide discussion since the Afghan Interim Government took power. Aside from the backing it us from donors and the potential increase in the inflow of investors from within the world it faces some problems based on the turmoil the region has faced in the near past. Privatization will solve a lot of issues which is facing the modern day Afghanistan which is far from the glory used to be associated with the region. Privatization of public property involves transferring of state-owned assets to individuals or companies following the laid down procedures so as to remove any doubt and also it is good for the cohesion of the nation as a whole.
      Afghan society is made up of different tribes hence the process of privatization should be equal, fair and transparent. The country can not afford to go back again hence the process should involve every individual or company who have a claim to the public property being privatized.  Privatization will also be able to lift a huge burden from the government such as huge wage bills incurred. The government aims at having only the task of governing the country which has always been impossible in the near past. A good and safe environment will boost trade and make it possible to bring sanity forever in a country which has been ravaged by war for a long period of time. These process will hugely impact the mining sector which will attract billions of Usd from potential investors. In the process, a lot of Afghan youths will get a well-paying job instead of killing each other and make the country ungovernable. These will bring tonnes of monies to the government through the process of taxation and other levies. Having reputable companies working in Afghan will trickle down to the citizens and also the neighbors. Giving Afghan a positive image which has been lacking for years which is required for the country to progress forward. The banking sector is bound to benefit from these movements and also the move of privatization of the banking sector in Afghanistan such as the New Kabul Bank.
      The public sector was bound to have a high level of corruption because the employees taking care of the business aspect of the sector are sure of receiving payment at the end of the month. The employees will do a bad job and also inflate prices and other procurement procedures with an aim of enriching themselves at the cost of the citizens. The private business organization has a strict code of conduct and procurement procedures making it impossible for the organization to lose money. Poor service delivery also goes hand to hand with public sector which is evidently visible in every government-owned property offering service at a fee or free of charge. Privatization of public sector is a step forward towards growing the economy of Afghanistan and moving out of depending on donor funding to run the government operations. It is an idea which is implemented in the right way it will save the government from running bankrupt. The The The United States is looking to privatizing the war against terrorism in Afghanistan when these are implemented the donor funding to the government will reduce making the government more under pressure to be self-sufficient. The assets are worth billions of dollars which if it should privatize the government will be able to collect the huge tax which can help run the country with an aim of making it safe to be another tourist paradise and also investors paradise.
      Research problem and its importance
      My research problem is the widespread of privatization of public sector because of the several problems such as corruption which is evident in the public sector. Under the public sector, millions of funds were lost through corruption a good case study is what happens in The Kabul Bank where 900 million US Dollars was lost. Having a good look into these problem helps me to see the source of the problem in the public sector which can be solved by privatizing of some public sector. Leaving the government of Afghanistan with one duty of keeping everything in order so as that the country can move forward.  The importance of my research is that it will help the people and also the government of Afghanistan identify the source of the problem and also give them a solution to the problem. Privatization is the way to go its where the whole world is or leading to because private organization encourages peace because it is good for business and that is what the Afghanistan people and government need.
      The importance of my research paper is opening the eyes of Afghanistan with an aim of making them better understand the phenomenon of privatization. The process will help in opening up Afghanistan for more possibility which will improve the income to the nation which will be transferred directly to the pockets of the citizens through employment and also better service delivery such as better health care and road network. For a country which has been in a state of war for more than 20 years, these will bring hope to the nation which was on its death bed. My research paper is dedicated to helping the nation and the people to realize that privatization will help the nation which is very rich as per the mineral deposits which has not been mined due to war in the country.

      Research Motivation
      My motivation towards the topic is brought about by the suffering which people in Afghanistan have gone through because of the lack of proper services. The country has been faced with turmoil and a state of instability for a long period now. The government-controlled sectors lack the merit of giving citizens proper service and also it has been faced with major corruption scandals. My aim is bringing these to an end and encouraging the people of Afghanistan that privatization is for their own good. I have also been motivated by how privatizations as helped many countries achieve their dreams such as China after the effects brought by communists. These process as helped nations development and improve citizens living standards and have helped countries to become more stable due to the end of conflicts. Afghanistan should embrace privatization with both hands and make it work because it is good for the growth and development of the nation as a whole.
      The sight of developed nations because of the aspect of privatization is my motivation too, I want to see a new rich Afghanistan with a good image. The image which portrays our country as a country which lacks stability and host nation for terrorist needs to change. In that place, a rich developing nation which attracts tourists and also investors to fly to Afghanistan needs to be established. Because we need to leave a better country than the one we inherited which it is possible by privatizing the public sector in the right way. Our country is a rich country unfortunately many parts were left in ruins after the war. Also, the tribes of the nation need to be willing to work together to achieve a better nation than the current state. Some nations are very poor in terms of natural resources but are ahead of our nations because of the existence of goodwill among them to work together which lacks in Afghanistan. I am also motivated in living in a nation which service is easily available and it is also affordable so that our sick people won't have problems accessing a health facility. Also, privatization will help in the fight against corruption
       which has always been a torn in the flesh of the public controlled sector.
      Research Objectives and Questions
      The research which I will be doing is all related to the benefits of privatization in public sectors because due to the corrupt and old system of government many things got damaged. The main thing that is being focused here is how to improve the quality of overall services being provided to the public. Schools and other higher educations centers to get the maximum support and provide the latest material with new methods to get everyone in education. Below are the five main objectives, which I think will be achieved once I am done with my research.
      1. To review the literature on privatization in developing economies
      2. To explore how privatization could promote economic development, growth and quality improvements
      3. To identify the main challenges in the privatization process in Afghanistan
      4. To identify the key opportunities that privatization can bring to Afghanistan
      5. To suggest ways in which privatization can be handled in the most effective way in Afghanistan.

      Research Questions
      Will privatization help in curbing corruption?
      What benefits will people of Afghanistan get through privatization?
      Is it good for the stability of the nation?
      How will the process help the government?
      Will the process help improve revenue for the government?
         
      Research Methodology
      I will use a quantitative approach in investigating the phenomenon I will analyze written materials about how privatization helped other nations forge forward. Because the process of privatization has been proven I will look for facts which analyze how the process was a success in other countries. I will also design a questionnaire which will be used to collect information from the public. These will be done in personal level which will bring information about how individuals fell about the whole procedure. Because it is anonymous so the people will communicate freely without fear of anything. These will help in getting the raw data about how the citizens take these process without being held liable by anyone.
      Research Contributions

      LITERATURE REVIEW
      According to Mohammad Sabir Sidiqee in his article “is Privatization of New Kabul Bank an Ultimate Solution?” they are many factors to be taken into considerations before privatizing public sectors. This is brought about by factors which goes hand in hand with the process which will include some advantages and also disadvantages before going ahead with the procedure. The shareholders should do an analysis of the effects which will result from the process. Kabul Bank was one of the major private company with headquarters in Kabul and branches across the country. It offered transaction services to the common citizen of Afghanistan. It offered services in Afghani currency, euros and US dollars, it served the private citizens and also public servants such as teachers and also individuals serving in security which include the military and police. They offered three kinds of accounts namely current account, savings account, and deposit accounts. They also offered an easy way of access of the money by the customers such as the Automatic Teller Machines (ATM). These machines were scattered around the nation serving more customers and making it easy for them to get their money. The bank was under the full supervision of the Central Bank of Afghanistan but changed after it changed its name to be The New Kabul Bank Mohammad Sabir Sidiqee. (2016).
      The worst news in the banking sector of near collapse of Kabul Bank in 2010 caused individuals to do panic withdrawal making the amount withdrawn to be equal to be half the amount deposited. The collapse of the bank was due to the high level of corruption and also fraud which was being done in the bank. The collapse of the Kabul Bank has been attributed to the weak and corrupt Da Afghanistan Bank which is the central bank of Afghanistan. They governors were political aligned hence they could not steer the banking sector in the right direction. They failed in providing regulations and leadership to the Kabul Bank which resulted in the collapse. The departments responsible for quality failed to put checks on the Kabul Bank and also their shareholders the reason for that laxity is unknown which caused the bank to collapse. Kabul Bank was taken over by the Islamic Republic of Afghanistan in the year 2010 after the loss of 900 million US dollars over fraud. This loss of millions caused the International Monetary Funds to halt their million loans to the Afghanistan government. The matter was revisited when Mohammed Ghani was the president of the National Unity Government which resulted in the people involve in the corruption to lose everything and also be jailed. These open an atmosphere of goodwill between the government and its citizens which is good for the nation Mohammad Sabir Sidiqee. (2016).
      Private organizations engage in a business with an objective of making money, they do not engage in business for social interests as compared to how the government does business. Privatization of Kabul Bank to The New Kabul Bank a private banking company will result in many people losing their jobs through resigning or being fired. These will be brought about by the high level of pressure to perform which is brought about by the private company. The employees were used to handle their work without pressure and also the organization can have policies which will require non-performing employees to be fired. There are many other disadvantages which will be brought about by the process of privatization also there are some advantages too. The organization will be free from political pressure which will result in the atmosphere which is good for making business decisions which will result into profitability and also welcome investors to the country. This move will also reduce procedures which made the initial Kabul Bank inefficient. This move will help in providing citizens faith in the banking sector which will also involve rapid customer support in providing service, Mohammad Sabir Sidiqee. (2016).
      According to Saul Estrin in his publication “Privatisation in Developing Countries: What Are the Lessons of Recent Experience?” he takes a look about how privatization has helped nations achieve widespread growth. Privatization is also attributed to the wide distribution of resources making it possible for every part of the nation to be evenly developed. As per the article, there was a lack of issues which has come up recently due to privatization because the articles which highlight this topic was written two or one decade ago and they are mainly about developing economies. There is a point of interest which will determine if privatization goes through or not the point includes the process of regulation of the process. The main aim of the government in the process of privatization is to get the firms to earn more profit and also to reduce government intervention. The government only has the power to regulate and also encourage competition by regulating firms which operate in a monopoly market which is not good for economic development. Western Europe led in terms of privatization in the 1980s many upcoming nations took it as an example of what can be realized if the process is undertaken, Saul Estrin. (2016).
      Many nations started privatizing in Africa from 1980s to 1990s it was achieved through pressure from external bodies and also the positive aspects which have been realized from privatization. Some countries were first skeptical that it will result in problems in what I term the fears of the unknown which can be related to what is happening in Afghanistan. These countries who were late in privatization in Africa include Tanzania and Zambia but they eventually privatized after observing the positive effects of the process and they did not want their country to be left. Some countries avoid privatization because the governments are afraid of leaving huge power to be controlled by private citizens. This is a problem which can be brought about by too much power falling into wrong hands which might result in a war.  Privatization in South Asia has been rare which can be attributed with the conservant nature of people from those regions. In the 2000s the very limited amount of nations have undergone a privatization. India has had positive impacts on its revenue which was brought about due to privatization Saul Estrin. (2016).
      Privatization has been linked with firm performance and also witness of efficiency improvement. The process has yielded positive results not only on monetary terms as shown by Saul Estrin. Sometimes success depends on the owner of the new firm which has been privatized because he/she or they are responsible for making decisions and also running the business on a day to day activities. Whether the privatization is partial or complete the level of success varies and depends on how the business is managed. Also, the government regulatory authority should be taken into consideration because they have a major impact on the business. Such as developing a business encouraging an environment which will either promote a business or it will make it impossible to do business such as failure to maintain law and order, Saul Estrin. (2016).
      Many ways have been used to evaluate the performance of privatization. To check if it is working well as required. Methods are such as return on equity, changes in income and costs, labor productivity, output growth and many others. They are problems which are associated with the evaluation of privatization which involves missing data making it impossible to properly evaluate the issue. Which can result in the wrong result obtained but they are many ways to analyze the result of privatization such as observing the amount deposited and
       withdrawn daily. And also looking at the employment rate which will be high because many businesses will be started because the market is a free market. Another way of analyzing the effects of privatization is by directly comparing two companies one controlled by the government and the other one is owned by a private company. The one controlled by government will always result in losses which can be attributed by lazy employees and also a high rate of corruption and general lack of efficiency as compared to a privately owned company which has policies in place to ensure the company makes profit failure to do so the employees who are responsible will face consequences. Making the privately owned company perform better and offer a great quality of service as compared to the government-owned company. There are many techniques to measure which model works better but the privately owned company always comes first compared to government-controlled firms. Which is the hotbed for corruption, inefficiency and also the place where government waste money in funding its operations, Saul Estrin(2016).
      According to a study done between 1984 and 1997 about telecommunication industries in developing nations which comprised of countries from Africa and Latin America. According to the research competition mainly relied on the area covered by the network and also on the costs which they charged. Privatization was found to increase performance when the regulation was coupled with effectiveness to come up with a competitive way of doing business which resulted in the customers having options to choose from. Privatization of telecommunication is widespread in most of the developing nations which can be attributed to the competition which is in that sector, Saul Estrin. (2016).
      Privatization of utilities such as water providing company has been researched in companies based in Pacific and Asian countries. It was established that efficiency was not significantly different between a privately owned company and public controlled company. Another study was performed in 13 different nations and 14 different water providing companies. Questionnaires were used to collect the information upon review there was no major difference between privately controlled companies and their counterparts which were government controlled. There was no major difference in the two sectors providing water utilities which can be attributed to weak regulations, cost of production and also the technology used to provide these water utilities. The nature of the product hinders competitions hence affects the efficiency. Other factors are the bidding procedures which should be made more open and also transparent which can improve service providing in this field Saul Estrin. (2016).
      Another area which has been studied is an area of privatization of electricity generation. Which is a major area of concern so that the economy can grow spontaneously. Generating capacity is the potential of a region or company to develop and produce electricity in another area which is critical to electricity privatization. 36 developing nations was used to do these study which is vital to our topic. They investigated the electricity generated which can be measured and be planned for to be used for other functions. Also, they took into consideration labor productivity which is vital in accessing if the process of electricity privatization is profitable. This area is very critical to the development and should be well investigated. Because if it is not profitable and it is a privately controlled it will cause it to close down due to a high cost of production. Or they can increase the cost of electricity to consumers which will affect the rate of development in the nation. The government should put up strong regulations if they choose to have this sector privatized because of the risks involved Saul Estrin. (2016).
      According to the author of the article, the process of privatization should not affect the wealth distribution, wealth accumulation or the process of development. These are public resources which are to be privatized but should continue offering services in the intended regions it should not bring regional imbalance which is not good for the stability of the country. It should provide profits to the new owners without bringing any major problems with wealth distributions. There are some regions which failed to follow the above principles which resulted in shifting of wealth balances. Such countries are Russia and Republic of Czech which had the public assets transferred to an individual with zero nominal returns. Which can bring consequences and also a shift of wealth which can not be good for the stability of the nation? State assets as always been undervalued which is a problem which can also shift that wealth distribution balance. These assets when sold to private citizens or companies they can produce more than their value which has been witnessed in many instances. There are instances where these state properties have been transferred directly to citizens from that particular area at a zero nominal fee. There are aspects where politics play a central role in these process. Where politicians use their influence to get more properties which result in a shift of wealth balance. Corruption which is brought about by the might in the society has been the undoing of a perfect privatization process. Their greed has made these processes fail in some states making the country poor and enriching themselves and their kids. There is an example of privatization of telecommunication in Mexico which resulted in Carlos Slim enriching himself and making millions of dollars in that process Saul Estrin. (2016).
      The aspect of ownership in the process of privatization has brought a lot of issues. This is because of the corruption and under-hand deals used which results in the unfair process. There have been instances where the values of the assets were valued at a very low amount compared to the actual price of the asset. These happened in the Czech Republic and Russie where some people were given an opportunity to control the state because of the process which made them have ownership of major assets. The process was not transparent which caused internal dealings from people given the mandate of distributing the assets making it not evenly distributed as it was required. Also, employment suffered according to the author Saul where the process of privatization can cause the existing income to shift in distribution which can affect the rate of employment and also employment pattern. Also, there is a possibility that if the privatization process inefficient the employment rate might be recovered through the phase. A study conducted for over 20 years in privatization in India brought positive result where the rate of employment increase and also the process does not affect pension offered to retirees. The process of wealth redistribution analysis should also take into consideration government-controlled firms which receive subsidies from the government that aspect should also be brought into the book so as to provide conclusive findings, Saul Estrin. (2016).
      The process of privatization has effects to access to services and prices as per the author. Privatization can lead to falling in prices if there is an increase in competition. Which benefits the consumers and also the organizations because there will be an increase in consumption which will trickle down to the government through taxation. There may be instances where prices may increase due to the cost recovery issue which will force consumers to spend more to acquire the goods and services. There will be an increased access to the goods and services if the private organization is expanding in new branches. Which can be attributed to more money being spent with an aim of having a huge market share. Price increases are always accompanying telecommunication sector. But it comes with an improved service package which covers a huge geographical location. Government subsidies have been found to benefit the rich more than the poor in the society which is unfortunate. The utility such as privatization of water has been found to increase prices which puts additional expenses to the consumers. But on the bright side, the service has been found to expand to serve more people as compared to government-controlled entities. The people who have benefited from this move are those who live in rural places who had no access to such a service which has helped in developing the agriculture sector and other sectors which require water in large amounts. When there is an increase in access to the service and the prices remain the same there is what is referred to as positive redistribution of services Saul Estrin. (2016).
      There are also fiscal effects which have been realized because of the process of privatization. Which trickles down and earned as revenue through government projects and also taxation from the privatized sectors of the economy. The increase in income is easy to monitor because it is a fixed amount compared to the initial process where revenue lost because of corrupt public servants who operated the government-controlled ventures. These will help in reducing the household tax burden. Public subsidies are removed due to privatization which benefits the taxpayers who had no access to the services and at the same time reducing surplus goods or services if there are an increase in price. Developing nations face very many regulations which arise due to privatization the government is trying to make sure that the goods or services offered to its people is okay to be used and it will not result in complications.  There are many bodies which have been established to help in the regulation process where samples and abrupt raids done to ensure compliance
       Saul Estrin. (2016).
       Also, the government offers subsidies to sectors which are the heartbeat of the economy to avoid the nations from collapsing economically. There as also been instances where there are regional-wide regulations or worldwide regulations which the privatized company should adhere to failure to do so attracts penalties and sometimes sanctions. Incentives have been used to achieve results in some privatized economies. There are cases where privatization has been done to companies from other countries. These are cases used by the government to attract major players in the world economy. It is like a statement saying we are open for big businesses. These have been noticed in the banking sector in Africa which has brought immense results.
      RESEARCH METHODOLOGY
      The methodology used to acquire data for these research paper is based on quantitative analysis. Where the quantity of the sample was used to check how privatization affects the households in Afghanistan. I used a quantitative method of collecting data from the wider population which is affected by this phenomenon. The method is random and no known criteria are used to collect the raw data from the population. Afghanistan is a huge country and all parts of the nation need to be measured to get accurate results. Also, the wide nature of activities and economies level in the country needs to be taken into consideration so that conclusive results can be achieved. The quantitative analysis will measure the trickle-down effect which is caused by the privatization of the public sector in Afghanistan which has both positive and negative effects on the population. The data collection method should capture exactly how the effects have been felt to the Afghani economy and also its neighbors since there are bilateral trade agreements between the countries surrounding Afghanistan.
      The method used to collect data in these case include conducting experiments, observing and recording events which are well defined such as lines counting individuals and recording their number and the turn over time. Other methods I used to collect data for my research paper includes getting data which is relevant to my topic privatization of the public sector in Afghanistan from the management information systems (MIS). Another technique to get the data is by using closed-end questions. Which can involve face to face interviews where I had to meet the people who have relevant knowledge and ask them questions about the process of privatization in Afghanistan. In the event that I am in a different geographical location, I used phone calls to interview my sources of information. Another critical source of information here is the use of questionnaires. I had to come up with a set of questions which the people whom I want to extract data from will have to fill it up. Then I collect them and went ahead to extract the information I wanted from the questionnaires which have been filled.
      This process is the most important part of the research paper because it is here where the real work is happening. The researcher does the actual research here to support his or her topic. This point is critical and important and the researcher can not afford to get these wrong. These processes involve extracting actual information from the ground. Getting these part wrongly can make the whole paper to be wrong and due diligence should be taken to ensure that the right information is collected. Also, the information collected should also be analyzed well so as to achieve a conclusion which is critical to supporting facts about the topic of research. The information collected through the various method should come up with a conclusion which is reliable and can be related to what is actually happening at the ground level in the topic of discussion.
      Data Collection
      There are many ways of collecting data to be used in our research topic privatization of the public sector in Afghanistan which includes the following.
      Experiments.
      Experiments are the act of doing trials or examination to a variable which affects the topic of discussion. Experiment as a method of data collection to the privatization of the public sector in Afghanistan is very vital because it helped me understand my topic of research better. Also, the relationship between the population and how the process affected their buying and selling patterns. This phenomenon of privatization has affected how trade is conducted in Afghanistan because competition has increased in business. Due to high competition, the people of the nation can get the best deals compared to the previous monopoly owned by the government.
      I created a condition in the transport area where I had several means of transport available to the public in Islamabad and I actively recorded how the customers were boarding the source of transports. I was able to record and notice that the population was choosing the cheaper mode of transport. These were brought about by the urge of the general public to save some money because at the end of the day they will reach their homes despite the amount of money paid. The customers used the price differences to be able to identify the cheaper mode of transport I knew these because I recorded a high number on a cheaper mode of transport as compared to few numbers of customers to the mode of transport costing more. Sticking with this experimentation the young people loved the mode of transport which is faster. I was able to measure these by recording a higher number of young commuters in faster modes of transport as compared to a few old people who choose this mode of transport.
      I also took a number of samples both old, young, men and females and put them in a room. Then I displayed video ads on a television set and noticed their reaction and also recorded them down. These type of experimentation is lab like experimentation where they had a controlled environment. The ads on the television set were of both privately controlled organization and also government controlled organization. I recorded down their reaction which will assist in measuring which type of advertisements attracted more attention from them. The population was more attentive during privately owned organization ads because it was catchy and also had discounts, free gifts and also competitive prices. The population showed not much attention to government-owned organization advertisement which means theirs prefer doing business with privately owned organizations as compared to their government controlled counterparts. Which is a good thing taking into consideration the process of privatization of the public sector in Afghanistan which is happening at the moment.
      Another aspect of experimentation method of data collection is ethnography. It is a concept which involves investigating the buying and selling of the culture of a given geographical location. I used this concept by carrying out experiments of buying behaviors of clients at a different geographical location of the same product. In my case, I used buying of fertilizer in Afghanistan which is a huge country with different economic activities in different geographical locations. I was able to record a varied data based on the different location. Rural areas with good conditions to practice agriculture had a higher percentage of buying fertilizer compared to urban and regions which do not support agriculture the figure was as follows.
      Urban centers had 20%.
      Rural areas which support agriculture had 75%
      Rural area not viable for agriculture had 5%.
      As per the above data the buying power of fertilizer differs for customers based on the geographical locations in which they live in. These can be attributed to the different economic activities which take part in Afghanistan based on the geographical location. I am sure if I used retail sales of domestic animals medication I would have gotten a different data which will define areas where animal rearing takes part in the country.
      Observation
      This is a method which involves observing events which affect out the topic of study. With an aim of getting data which can help us learn more about how the topic of study affects the population. This method helped me a lot because I did not have to mingle with the topic of study I just had to record what I see which is very easy and reliable when you are researching a topic which can come with language barriers. Also, this method came handy when I was researching my topic of research because it is important when handling a population which is not friendly. It is a method of data collection which is the most accurate method of getting data. This is because the subject being investigated is not aware of the process and their real behavior is achieved which makes it perfect. The subject being investigated is not aware of the process being undertaken hence making it a perfect method when collecting data from a population which is hostile.
      I used observation while obtaining data from the health sector in Islamabad. Where I observed how the government controlled health facilities carried out their day-to-day activities. They are related to how they handle their clients where clients have to queue in lines for averagely ten minutes before getting the service they wanted. Which can be compared to the privately controlled health center where customers only have to wait 2 to 3 minutes to be attended to making the privately controlled health facility better in terms of how they offer services. According to the schedule of visiting, clients by friends and family public controlled organization have a time schedule which resembles each other in the public hospital I visited. Privately controlled health center have different visitation times and periods of stay vary from one to the other depending on the policy set by the board of management responsible
       for each of the health facilities.
      The infrastructure in the public controlled health facility was outdated and lacked maintenance which can be attributed to the high level of corruption witnessed in public controlled facilities which triggered the process of privatization. The infrastructure and equipment looked dilapidated which might bring issues to patients. Private controlled health facilities had better equipment and infrastructure which means they are at the better place of giving better services to their clients. According to the cost of the services, public managed organizations charged a smaller fee to their clients that is why there were many customers seeking medical services in public healthcare organizations. The huge influx of individuals seeking medical services in the government-controlled organization can be attributed to the high poverty level in the current Afghanistan population which was brought about by the instability state of the nation for over 20 years.
      There are few numbers of individuals visiting privately controlled health organization which can be attributed to the high charges. Few individuals are able to pay for the services which are offered their hence making it accessible to the few individuals. There are situations where ward beds are full in government-controlled hospitals while privately controlled hospitals have empty wardrooms. The uneven distribution of wealth which brings these issue varies from on geographical area to another. There is an instance where the distribution of people visiting public managed hospitals will be higher in slum dwellings in urban centers and also some rural areas while privately managed hospital will attract the high-income earners and also middle-income earners who can afford their services and also have tight schedules to go with their day to day activities. The busy schedule and also the availability of funds affects the number of the population visiting the private or government controlled health facility. It has a uniform distribution where people living in leafy suburbs will visit a privately controlled healthcare facility. I also was keen to observe the number of vehicles in these two healthcare facilities. The one which is government controlled facility had a fewer number of the privately owned motor vehicle. The vehicles in public hospital carparks were of a cheaper model. The privately owned healthcare facility had many cars which are expensive and owned by people who have money in the society.
      I also observed the companies which offer water services. The companies offering the services privately had a huge customer base also the once that were controlled by the government also had a huge customer base. These can be attributed to the same procedure used in getting the water ready for consumption. Where a nearly equal amount of expenses is incurred in the process.  Since water is cleaned then transported to the client there are no many requirements to be certified in these line of business. There is a short supply of water requirement in Islamabad so privately owned companies help in a big way in supplying this basic commodity sometimes there is a shortage of up to 40% of the water needed. The private organization helps in bridging these gap which the government controlled organization would not be able to cover. The competition ensures fair prices are achieved and also the supply meets demands which are good for both consumers and also the suppliers.
      I used observation method in acquiring data from the education sector. The education sector is the main sector which quality needs to be ensured at all cost since it affects the livelihood and source of skilled and unskilled labor for the whole nation. There were bills passed by the Afghanistan government which says that a private university should have over 50 acres of land to be accredited. The institution needs to have enough space for expansion and also to cover the huge number of students who attend them. Also, the huge land should be able to accommodate all the facilities needed to facilitate learning. I was able to observe these in many of the universities around Afghanistan which had fulfilled all regulations required to have a fully functioning institution of higher learning. These are vital because students need enough space to mingle and also take part in other extra curriculum activities. Also, both primary and secondary level education institutions are required to have a field. Which is vital to the growth of the learner since it will help them in expanding their brains and also some learners will develop their talents which might help them earn a living. I also observed that the number of students attending government controlled schools was high which is attributed to the less fee charged and also these institutions have teachers who are paid by the government and are dedicated to helping the learners to grow.
      The privately owned education centers also have a smaller number of students which can be attributed to the higher fees charged. Which is affordable to the fortunate less who earn good money. The ration of student per teacher is high which is better then the public owned schools. Also, government controlled based in urban centers have a huge student number which can be attributed to the high number of individuals living in informal settlements. I also observed that the time schedule slightly differs between the government-controlled institutions and those that are privately controlled institutions. Some of the privately controlled institutions had a different curriculum which can assist the students in any part of the world since it is recognized worldwide.  The curriculum of government-controlled institutions was the same in all the schools these are to bring about the aspect of easy manageability. The curriculum was set at a central location by the government authority responsible for education with guidelines so as to be able to monitor and control the whole procedure.
      Another aspect I used observation to collect data is in the agriculture sector. The Afghani government had tried to implement some aspect of privatization in agriculture. They started by privatizing Baghlan sugar enterprise which I observed improve the economy in the region and many individuals produced the crops which are needed to produce the sugar. The people surrounding that area are full-time sugar depending farmers due to the availability of the company. Also, the economic value has increased in terms of lands due to the Baghlan sugar enterprise. Also, the land was privatized making it possible for farmers to increase the input with an aim of getting more output.
      Using information from the management information system.
      I also used already available information from management information systems (MIS). I checked on data from different sectors with an aim of getting to understand how the sector is performing after it has been privatized. I took a look at the production of seeds which are distributed to farmers for them to be ready to plant them. From the information, improved seeds were produced at a bigger capacity than previously done. There were many seeds which were produced ready for the expanding markets which I can attribute them to the higher level of advertisements done by the privately owned improved seeds enterprise. Which as an aim of expanding its customer base and in the process it causes the country to improve in its agricultural productivity. Also, it can be attributed to relative calmness which is engulfing Afghanistan slowly region after another region showing stability which improves production. The seeds are also cheaper and easily available to the farmers according to the existing data which shows a wider distribution of the seeds to more remote regions. It is done by setting up shops their or urging customers to come together and be supplied with the quantities of seeds they need.
      I took my time also to go through data from the silo systems of the nation of Afghanistan. It shows a relative improvement of food storage which is preserved in case of a disaster where the country won't be able to feed itself. The Kabul and Balkh silo shows a great improvement in grain stored at these sites and other many storage sites which are privately owned. The process of privatization as helped a great deal in this sector of storing grains for future use. Some private storage companies show a detail improvement in a number of bags available for the public in case the country does not have enough food. These process will help Afghanistan citizens a big deal because of the unreliable weather patterns which have recently changed constantly producing large harvest each year is hard. The amount of grain stored as improved by a percentage of 50% over the previous ten years.  This sector is very vital to the economy because the country must be able to feed itself so that it can improve its economy.
      I also took the time to go through information from the ministry of commerce. This sector is very important because it puts into check the performance of the country in terms of trade. This sector is the sector which is responsible for earning the country foreign exchange through trade. Food enterprise has taken a steady move since its privatization. It has improved by 20% percent in terms of revenue since it was put into the process of privatization. It also doubled its workforce in a period of two years which is a significant growth. Information from the management information system shows a constant increase in the level of production which can be attributed by policies which were developed by the board since the time it was privatized. Also, the rate of competition for part of the pie in this sector is high which shows the eager of investors of getting some of the Afghani food enterprises.
      Samon
       dried fruit enterprise has shown an increase in a number of goods being imported to other nations since it was privatized. The organization has also caused ripples to farmers producing the fruit by increasing their wellbeing by paying them well and on time. Which causes positive responses to individuals who live around the production area. The amount of output from the company has increased by 32% according to their management information system. It also shows that the amount of fruits delivered to the company for processing is constantly increasing in numbers. If the Afghanistan government are able to maintain stability such production companies will be able to employ many youths and help in empowering the society in general. And it will also help in curbing unnecessary conflicts because youths have many times been used for wrong reasons in Afghanistan.
      The management information system shows a constant increase in area covered while providing water to the general public. Which is a positive thing this area has no major price competition so they compete among themselves in the sense of area coverage? The company which can serve many customers is on the front foot. Also, they companies should be reliable they should provide water to their customers constantly there should not be times where water lacks in their taps for more than 24 hours.
      Interviews.
      I was lucky enough to conduct both face-to-face interviews and also telephone interviews. In situations where my target was in a far geographical location, I used telephones to get in touch with them. I interviewed both teachers from privately controlled institutions and also those from public controlled institutions. The teachers from public institutions lacked the motivation to do their duties citing lack of resources and facilities. There has been a constant problem in the public owned schools the teachers are few in numbers compared to students. The teachers from privately owned institutions had enough motivation from the board and also they had enough resources and facilities to handle they teaching perfectly. The teacher to student ratio in this institution is perfect as per the teachers. The issue of monitoring teacher progress is also a problem in government-controlled schools. These can be attributed to the few individuals tasked with going around monitoring teachers progress and Afghanistan is a huge country. While monitoring of private institutions teachers is simple because the board of management has employed a manager to do the actual job of managing the school’s day to day activities.
      Some of the privately owned schools also have a curriculum which suits the needs of each student I got these by interviewing their students. The students told me what they are actually good at and which courses are taught to them to make them perfect in the area in which they are talented in or have interest in. The students are molded to be a perfect example of what they want to be in the privately owned institutions. The management of the privately owned organization also cast lights on the wide range of resources available in their facilities to be able to nature the learner in the best way possible. The students from public schools complained of basic needs such as proper materials to seat on during lessons or lectures and also lack of books. These were brought about by poorly stocked libraries some librarians even went ahead and confessed that the library was last stocked more than ten years ago. Some public institutions even lacked a library and a librarian. Also, lack of security is what I witnessed in some government-controlled institutions there was no security office or personnel and when I asked principal about them he or she went ahead and confessed there was none available because no funds were allocated by the national government to take care of that. Which brings a lot of questions are our kids safe in these public institutions am not sure are they getting better learning to help them with their future that too I am not sure. In private institutions I interviewed security personnel in their offices to be able to gauge if the institution is safe I got great answers for my question all of them being positive.
      I got hold of potential meat customers in Bagh-e Babur in Kabul. They preferred buying meat from a privately owned slaughter-house which they know the owner is a Muslim and the rites of slaughtering the bull or goat were followed. They potential customers do not like meat which has been slaughtered in another government controlled slaughterhouse far away from them then shipped to their butcheries. They take these issue very strongly Ali a local guy from these region of Kabul even prefers going to the slaughterhouse to see the whole process before buying meat for his family. The potential praised the process of privatization in the meat production sector which gave them the opportunity to have an upper hand in choosing quality meat products for their families. I also took my time and interviewed butcheries owners in Kabul. 90% of them talk positively about the process of privatization of meat production in Afghanistan. They now can have a fresher supply of meat from a local private slaughterhouse and also they can be able to get discounts and sometimes meat on credit and pay in the evening. Which has enabled their business to grow over the period of time? Also, they have had an increase in a number of customers as compared to years in the past. The price of meat is relatively stable and cheaper from the local private slaughterhouses which are easy to get access to because no additional transportation charges are incurred.
      I took my time and decided to interview individuals who take part in the transportation industry in the country. I interviewed the crew of millie bus both one and two, I got a different type of information from them relating to how customers behave. The crew told me that most of the potential customers want the best value for their money so they will choose a mode of transport which they will be comfortable with and will not take a lot of their monies. The crew told me the customers vary from time to time example customers in the morning and evening are always restless they want to get home or to work faster. While mid-morning and mid-day customers are not under much pressure. They also gave me a wise observation about the younger and older generation preferences. The younger generation preferred a cheaper mode of transport which goes faster. Their older counterparts prefer the safest means of transport which can be attributed by their advanced age or the experiences which they went through up to the time they are now. I also took my time with the travelers i asked them questions which confirmed what had been told to me earlier in the day by the Millie bus crew. I went ahead and asked the bus crew which is owned by private individuals. The crew told me that customers prefer their services because they offer the best prices and also the best services. This is a result of competition between themselves which the customer benefits the most from it. Their potential has a wide range of preferences to choose from comfort being another factor which is considered by the customers and also the amount charged by the bus company is another factor to be considered. The transportation sector has a wide range of alternatives for the clients to choose from which gives them an upper hand in getting the best service for their money, these can be attributed to the process of privatization in the transport sector.
      I also interview random members of the public who most of them had positive things to say about the privatization of the public sector. They supported the move citing massive corruption which was evident in the public sectors. I also was able to get a guy who lost money through the Kabul bank collapse. The guy fully supported the move citing the old way of doing things made the citizens suffer the way he lost his hard earned money. He supports the issue of corruption and fraud which can be curbed once many of the public sectors are privatized. Members of the public also said the move will help them get more preference when doing their business because the monopoly owned by government-controlled business will end. They said they will be able to get the best value for their money through the process of privatization.
      Questionnaire
      I took my time in designing a questionnaire to cover my topic of interest which is the privatization of the public sector in Afghanistan. I designed the questionnaire to cover a wide range of the population affected by the process of privatization. I took into consideration the huge nature of the country Afghanistan and the many economic and social activities which takes part in this region of the world. The wide sectors in Afghanistan should be able to be taken into consideration to be able to acquire the needed result for the research paper. The questionnaires should be answerable to any individual who has basic knowledge in reading and writing. I used basic English which will not trouble members of the society. I designed a closed-ended questionnaire which is relatively easy for the person to fill it since they have to choose an answer which suits them from their perspective. The person has to tick the right box to be able to complete a particular question.
      My set of a question aimed at extracting how privatization as affected each member of the community whether positively or negatively. I made these questions in a particular way to extra only the required information from the target population. The questionnaires were given randomly to members of the public around the country. And I used the internet to target the younger generations through social media. This is because many of the younger generations prefer
       using their phones and other gadgets rather than using pen and paper to fill out the questionnaire. The period I took in the whole process took me 3 to 4 weeks in giving out the questionnaires to be filled with the general public. The process was smooth I did not face any individual who was arrogant or brought issues to me. Almost 90% of the total people I approached to fill the questionnaire only 10% declined to cite reasons such as being busy which is understandable. The response from the population was good citing the goodwill of the people in helping to push through the process of privatization of the public sector which is a good indicator.

                                                                            Questionnaire  
      Questions Answers  
      Which gender are you? Male Female  
      How old are you? Under 25 Between 25 and 40 Over 40  
      Do you shop in private organizations? Yes No  
      Where are you studying? Government nstitution Private institution I dont study  
      Where do you work? Private organization Government employee Unemployed  
      Where do your kids study? Private institutions Public institutions I dont have kids who attend school  
       
       
       
       
       
       
       
       
       
       
       
       
       


      Data Analysis
      RESULTS

      DISCUSSION

      CONCLUSIONS

      ACKNOWLEDGMENTS

      REFERENCES
      Mohammad Sabir Sidiqee. (2016). Is Privatization of New Kabul Bank an Ultimate Solution?. Retrieved from https://www.khaama.com/is-privatization-of-new-kabul-bank-an-ultimate-solution-0577/
      Saul Estrin. (2016). Privatisation in Developing Countries: What Are the Lessons of Recent Experience? Retrieved from https://poseidon01.ssrn.com/delivery.php?ID=954020088007068030014091082028005070039012064010087068076124127038086093058095009090113002084028006080031001018087006021087097024125106124093013118092119006025093124022116094004105&EXT=pdf
      Abdul-Qayum Mohmand. (2012). THE PROSPECTS FOR ECONOMIC DEVELOPMENT IN AFGHANISTAN. Retrived from  https://asiafoundation.org/resources/pdfs/ProspectsofEconomicDevelopmentinAfghanistanOccasionalPaperfinal.pdf
      PARUL KUMAR. (ND). What is the Use of Experimental Method in Data Collection? Retrived from http://www.preservearticles.com/2012022523770/what-is-the-use-of-experimental-method-in-data-collection.html
      Nadia Siddiqui and Stephen Gorard. (2017). Comparing government and private schools in Pakistan: The way forward for universal education. Retrived from https://www.sciencedirect.com/science/article/pii/S0883035516307534





      WHY MORTGAGE INDUSTRY IS BEHIND THE TECH CURVE.


      ABSTRACT
      These article is going to shine some light on the use of mortgage technology in the modern mortgage industry. There are many modern technologies being developed in our current world, software developers have not left behind the mortgage industry behind. Cutting edge technology is available for a fee and also some technology is open-source so it is free of charge. The problem is that many lenders/mortgages are not willing to embrace the new technologies because they are skeptical about losing their money. This is brought about by lack of knowledge about how these technologies operate.  Information is vital to sparkle lenders/mortgages to embrace the modern technologies to be able to acquire new clients and retain their clients. The world is moving towards automation of everything so for lenders to stay in business they need to start doing business like the rest of the modern world.

      Lenders/mortgages business owners urgently need to be given knowledge on how the modern mortgage technology work, they should not be left behind because they are part and parcel of the current society. The general population needs them to be able to be supported in order to start a business or also in case of an emergency.  They make up a very vital part of the society so they also need to be educated to be able to sustain their business and offer services to the general public. Lenders/mortgages need to understand how the system works so as to remove the fear of the unknown which has clouded their way of reasoning and make them skeptical towards this new modern technology. They should also understand that the use of technology can make their business compete locally, nationally and also internationally because our world is a global village according to modern mortgage technology.

      INTRODUCTION
      Over the past 15 to 20 years mortgage technology has been slowly changing compared to the usage of technology in other sectors. The mortgage industry has been slowly accepting upcoming technology only after other industries have tested and proved that the technology is work well. Some of the mortgage industries who are brave enough to roll out a technology will implement it first on a small branch of the organization. If found to be working well the technology is rolled completely on the whole organization. Getting lenders and mortgage companies to accept the use of modern technology is very hard which is attributed to the many risks involved in this industry.

      The lenders/mortgages are skeptical because they are involved in a risky business which can result in loses. So they need to be extra vigilant in what they are involved in before allowing these techniques to be used. Also, it can be attributed to the conservant nature of borrowers who are of old age but it slowly changing because a number of younger people who request loans is going up. And also the older generation has been accepting use of technology both the owners of those lending organization and the borrowers too. It has also changed because youths have been empowered to be a business owner and they understand what their fellow youths need hence they have rolled out the use of tech in their lending or mortgage business making it more attractive.

      WHY ROLL OUT MODERN MORGAGE TECHNOLOGY?
      There are very many reasons which can push the organization or business owner to start using technology in the places of business. There are advantages which can be directly attributed to the use of technology as they involve both the owner of the business firm and also the customers who relate to the firm using the technology available. Some of the advantages are as follows:-

      Client’s experience, customers to the organization want to experience the service provided in the best way they understand. Most of the potential customers love mobile technology because they are used to accessing it. They want to experience service delivery from the lenders/mortgages in the way they are conversant with. So using mobile-friendly technology will make a mortgage or lending firm a hit based on current statistics of mobile phones.

      Mortgage and lenders need to comply with regulations. The need to comply with many regulations which vary from region to region and country to country. Lenders and mortgages understand the changing nature of these regulations which happens from time to time. Having the correct modern mortgage technology will allow you to understand and easily configure your gadgets to accept those regulations. The understand the play of their industry that slight failure to comply with those regulations will invite a huge fine.

      There is efficiency provided by the use of modern mortgage technology. With the current low rates and other future expected drop in mortgage, the lending and mortgage industry are bracing for a storm. Use of technology will help in cutting costs and making sure the lending and mortgages firms to stay in business. Use of modern mortgage technology will help them realize an increase in profits margin, which is why these mortgage and lending organizations are in business.

      Improved communication cycle. The mortgage technology brings to the table faster decision-making process which used to take longer in the past. First decision making will allow the organization to determine if the applicant is eligible for the loan. If they are eligible for the loan or not the technology will allow faster communication to the applicant pertaining their application. Also moving of money to the client has been made easier and also the process of the loan repayment is faster than it used to be. Clients do not want to be exposed to a procedure which requires them to fill a lot of forms to be able to apply for the loans. They just want to click some links and button and loan application is done also they want a shorter procedure which involves checking their mail or SMS for feedback whether the loan application has been accepted or not. Finally, they also need to check their online accounts if it is funded there should not have to go to banks with long lines to be able to bank their cheques.



      COMPARISON BETWEEN MORTGAGE/LENDERS WITH OTHER INDUSTRIES IN LEVERAGING NEW TECHNOLOGY.
      Mortgage/lenders have been slow in accepting new technology available in the market compared to other industries because of very many reasons which are brought about by lack of correct information about the technology. In this article, I have been illuminating them about many positive aspects which are brought about by the use of modern mortgage technology. Other industries are at the top of sponsoring developers to design them technology which will help them cut cost and be the best in the market compared to the mortgage industry where everything is calm. There are no many trendsetters in the mortgage industry which can spearhead a revolution in how they do their day to day business. The market is ripe for a revolution in the mortgage industry because statistics show that the number of mobile phones available in the world exceeds the number of human beings currently living on planet earth.

      Use of technology brings about simple and easy application intake. These modern mortgage technology has enabled its users to have an easy access to forms from mortgage business firms. The forms are available in web portals users can log in and fill it while online or they can download it in form of the pdf file and fill it then scan it and mail to the lending or mortgage firm. These procedure has been used in other industries it is slowly being accepted in mortgage and lenders firms. These allow easier process which used to involve a lot of steps in the past. It has minimized time wastage to both the applicant and the firm, also it has helped in reducing space which used to be crowded while waiting to apply for loans.

      The decision-making process has been made to be faster. The use of modern mortgage technology has allowed lending and mortgage firms to be quick in processing the loans because they are able to access the applicant information faster. They are able to vet the client by checking is past loan history based on databases which are available to these firms. The credit score of the applicant will be used which is available in some databases to check if the client satisfies the score required to be loaned the amount they have requested. Also, the work history can be checked and analyzed if the applicant can be able to finance the loan repayment. Applicant does not need to attach their payslips like they used to attach them in the past.  These reduce the chance of the applicant providing false information for the safety of the organization.

      Using the modern mortgage technology allows processing and closing of the application faster. There are some instances where the system checks if the applicant is eligible and automatically allow the users the loans and sends it to their account or deny them and provide them with a reason why. This system works without any human being interference has been working in other industries and are slowly being introduced to mortgage and lending firms. These type of system will cut costs in mortgage/lending firms which will make the organizations be more profitable.

      RECOMMENDATION
      I will recommend mortgage and lending business to acquire modern mortgage technology because it brings a lot to the lending and mortgage business. There should embrace modern ways of transacting they finances and also how they check the creditworthiness. They also need to reconsider who they refer to as potential clients. There are a lot of data available they should have their employees analyze how blockchain works. The blockchain is an open source technology which offers open ledger technology which means everybody can see transactions happening theirs. These will help them expand their business they should also get a good website if they do not have one yet. These will give them global visibility, if they choose to integrate blockchain on how they do business it will be a plus for their organization.

      Blockchain will give them a platform in vetting their clients from abroad and see how much they have been transacting and evaluating if they are able to finance the loan repayment. This platform will allow them to monitor other potential clients and also ascertain information given to them by the potential clients. Also, it will help them when dispatching the loan amount to their client and also they will be able to receive funds. The fees are also low compared to other online payment processors. Their cash will also increase in value because the price of cryptocurrencies are said to go up because it is the payment revolution which is about to take on the banking scene. But exercise caution and choose the right type of cryptocurrencies don't be a victim of online fraud.  Make sure there is a team or individual who is conversant with this technology before giving a go-ahead to the organization to embrace the blockchain technology.

      CONCLUSION
      In conclusion, the mortgage and lending firms need to embrace modern mortgage technology to be able to compete on an even platform with other industries. They should start launching technologies in some branches of their business before implementing to all their processes. The customers are ripe for this revolution they are waiting for the leader in this industry to spearhead the revolution and they will support them. Other industries are using cutting-edge latest technology these should fuel the revolution of the same to happen in mortgage and lending industries. The potential market is ready for the change because their life is surrounding with technology which is easily accessible than driving or walking to the lending or mortgage firms. The technology also gives the organization the ability to make a follow up of their clients regarding the loan repayment. They do not need higher people to take their messages to their clients there is the direct link connecting them at all times without any additional charges. There is a lot of developed technology which suits the needs of the lending and mortgage firms such as tools which can calculate the interests based on current inflations. These tools are available some are free to use online which can be used by the borrower online before making the application for the loan.

      REFERENCES

      Kenan R, Partner B & Partner J. (2016).  The future of technology in mortgage originations. Retrieved from  http://www.oliverwyman.com/content/dam/oliver-wyman/global/en/2016/aug/Oliver-Wyman-The-Future-of-Technology-in-Mortgage-Originations.pdf
      Semyon G. (2014). How Technology Has Evolved in the Last Decade. Retrieved from https://learn.filtered.com/blog/how-technology-has-evolved-in-the-last-decade
      Donny L. (2018). The Evolution of Technology: Past, Present, and Future. Retrieved from http://www.discovertec.com/blog/the-evolution-of-technology
      Andreas F, Matthew P, Philipp S, James V. (2018). The Role of Technology in Mortgage Lending. Retrieved from https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr836.pdf

      Article about Catteries



      Image result for CatteryWhen you are planning to go for vacation planning where or what to do with your pet is very critical. There are places which allow visitors to come with their pets during vacations but many places do not allow pets to accompany the owners. So if you want to visit a place make sure you understand if they allow pets or not. If they do not allow pets plan in advance where you can leave your per during that period which you are not around. Planning is very vital at this stage because you are depending on other people to look after your pet. Your pet needs to be also comfortable the time you are not around to look after them so you need to vet every potential cattery which can offer you their services during this period. Do not take the wellbeing of your pet for granted you should find a suitable cattery where it suits well with the needs of your pet.

      Look for a Cattery which has many positive reviews. Make sure you look for a cattery which people love using their services. One with many positive reviews is tested and tried cattery where you can be guaranteed that your pet will be safe. Look for a place your family or friends have one used them and make sure to ask them if their pet was okay there. And also ask them if they can advise you to use the services of that particular Cattery. The place should be very comfortable for the pet the positive reviews should show that they feed the pets well. And also that they have a veterinary doctor who takes care of the pets if they get sick or just regularly do random checks.

      You also need to book a cattery early. Places which offer best quality services are always full so make a point of searching and booking the right cattery id advance say six months or one year prior to the vacation. These places sell like hot cakes so you need to get yours sorted early to avoid rushing and in that process falling to the wrong people offering sub-standard pet nursing services. Which might even cause the life of your pet which will be your own doing lack of proper planning. Also, make sure you have enough money these services do not come cheaply so you need to have enough money to get the best service providers in the market. The budget constraint should not make it hard for you to get the best service for your pet. Save in advance and make sure you afford the best in the market better safe than sorry.

      The most critical step involves you visiting the cattery to see how things are done on the ground. The business brochures might seem attractive but you need to visit the place to assess it yourself before making any monetary commitment. The Cattery should have a regulation where there do not accept violent pets to make it safe for other pets. Also, ensure the place is clean and also clean water is available. Make sure you observe how pets already there are treating and also the pets should have enough space to play and also to sleep. Finally, take your pet food if it is on a special diet but many Cattery offers food and remembers your pet’s blanket.

      Understanding soft dog crates.


      Dog crates have many positive aspects in puppies training such as learning how to use the potty I am sure no one wants a dog or puppy which will soil their carpet in the house. Soft dog crates give an opportunity for the puppy to train and also to be taught the house rules before being allowed to access every part of your house at any given time. Training these puppies while young is very important because it will be a new member of your house soon, so it needs to be taught what is expected of him/her before being allowed to access the house.

      Image result for Dog cratesThere are many best soft crates on softdogcrates.com you just need to choose the right one for your dog. The choice should be based on the size of the dog, this is important because the crate needs to fit perfectly into the crate it should not be oversized or small. Your future plans and also the activity level of the dog needs to be taken into account while buying the dog crates because the crate can last for long.

      The comfort of the dog while using the crate is very important the dog needs to be as comfortable as possible the crate should not bring it discomfort. You should choose from a variety of soft dog crates to get the one best suited for the comfort of your dog because the crate might come handy if you are traveling long distance. The crate should be strong enough to support the dog if the owner is traveling with the dog on a faraway journey.

      The dog crates should have a perfect circulation of air at all times to avoid the dog getting sick or being a victim of opportunistic diseases. The fabric on the downside of soft dog crates should be removable so that it can be washed and spread outside for aeration purposes and also for maintenance. The crate also needs to be developed with two doors one on the side and another on top of the crate for easy access to the dog at all times.

      How to write an entry-level CNA resume



      Whichever job you are applying for the employers need to have a copy of your resume. CNA job description for a resume is very important taking into consideration the sensitivity of the healthcare industry. The CNA resume skills should be what is needed in the CNA job description the people vetting the recruits should have an eagle eye so that they can avoid mistakes. Mistakes in this industry can have very major consequences to the whole organization.  Which contains your education history, employment history, and qualification achieved through education or practicals are done in fieldwork.  When you submit it you are providing written evidence about how qualified you are to be employed for the advertised position.
      The CNA resume objective is to provide evidence if you are a healthcare professional or not. If you attended. CNA stands for Certified Nursing Assistant if full. The objective of the resume is to show if the person applying for the job opening is a qualified CNA. Healthcare industry is very cautious when employing their employees this is explained by the apparent reason that the industry deals with caring for human health. And when something relates to the life of a human being it becomes complicated since there are no opportunities in learning through trial and error. The CNA resume needs to be truthful and discuss actual academic or qualifications achievement belonging to the person who wrote them down.
      The people tasked with the work of going through the resumes should be very keen on identifying non-factual data included in the resume. And if the resume belonging to a CNA is found to have some irregularities they are to be canceled from being considered for the job immediately. Do you want to be checked by a CNA who is not fully confirmed to practice? The answer will be a straight no because it is your life which is at stake here and no one should joke around with such matters. It can cause deaths if not vetted in a proper manner.
      CNA resume no experience is a very difficult applicant to vet because there is no option showing how they behave in the field while practicing what they are to be employed to do. The applicant needs to be more in detailed explaining their educational background because this information will be used while vetting them for the job they are applying. Also, their behavior will come handy while trying to figure out if the individual is suitable to handle things in the healthcare industry. CNA resume no experience can be given a short practice work to evaluate them during their interview. This is vital since healthcare industry needs a person with steady hands when blood starts coming out they should be able to handle themselves and do the job which they are employed to do.
      When applying for a healthcare related job and you are a CNA make sure you include all your skills on your resume. The CNA resume skills will guide the team leader where to assign you on your first duty in case your resume is accepted and you are given the job. So make sure you include the skills which you are sure about and you have already done them in the past. Including the skills which you are not sure about and being deployed to a facility which require those skills can me you blunder. And as we all understand healthcare is a very sensible area so do not try to impress while writing down your CNA resume skills write down skills you are sure about. Do you want to be a laughing stock at work? Am sure you don't want to be that guy who your colleagues refer to as clueless.
      CNA should avoid lying when writing their CNA resumes, they should be honest since this resume can get back and haunt them if they lie. If there are irregularities in the resume the applicant will be canceled immediately. Irregularities might be institutions written down on the resume doesn't resemble any existing institutions. Also if the name of courses they took does not resemble by the one set up by the healthcare regulating bodies. The applicant might also include a non-existing organization in his or her work experience. The CNA recruit should avoid the vice at all cost because if they lie on the skill set to get the job. And they are given the job they might cause deaths with lack of required skill set needed to attend to the sick which might cause the kin of the individual to sue the healthcare organization. Which can end in termination or even possible jail term and the healthcare organization suffering negative publicity.

      Garden design program



      Image result for Garden designWhen coming up with a blueprint for your landscape am sure if you have done other past landscaping project you have heard about garden design program. Garden design programs came in many different styles some serving the same use while others complimenting what other garden design programs cannot cover. If you are faced with complicated landscaping task make sure you do not forget your laptop installed with the correct software at home. Make sure you carry it because you don't know how much the software can help you accomplish your work using the shortest time possible. There are those landscaping jobs with many different gardens which can be technical to handle if you don't have the right equipment. And nowadays everything has been made simple by use of technology landscaping as not been left out of it.

       Commonly used garden designing software.

      There is some software commonly used to design gardens, which include the following.
      Home Designer Program. This is a powerful tool for designing landscapes and also a garden. It has many packages which suit the needs of individuals who are interested in buying them. It allows the users to achieve the right plan which is very important when it comes to landscaping.
      Gardena garden program. It is a web-based application which you don't need to have it installed on your computer. The program keeps people involved in their programs which means that they are not interested in making money using their program. Gardena is only interested in getting more traffic to their website so that they can promote their products and get paid too. So both the users and Gardena are in a win/win situation because no one is on the losing side.
      Marshalls garden program. It is a versatile tool which allows the user to be able to view their gardens in the 3D view. It also allows the user to feel the real feeling of walking in their garden during the process. It acts like a 3D video game giving the users a real feeling of the garden plus it is free.

      Benefits which garden design program bring to the table.

      Garden design program has brought a lot of positive influence on how day-to-day landscaping jobs are done which include the following.
      Image result for Garden designUsing garden design program has enabled users to come up with solid design plans. These solid plan makes it simple when rolling out the actual process of doing the garden landscaping since the solid plan will act as a guide in the actual undertaking. It makes it possible for the person doing the landscaping to accurately state how much time will be spent on the project and also how much money will be incurred. The solid plan is the blueprint where it guides the people tasked with the building of the actual designs.
      It gives the builder an upper hand of remembering and referring back to the plan when they forgot something or hit a snag in the development task. The availability of the whole plan documented makes it easier in building the same landscape which was designed on the software. Because the people responsible for the building have the blueprint and the visualized design on how the garden should look like. These make it possible to come up with a masterpiece which will make the owner of the garden happy hence it supports customers satisfaction.
      Using garden design program will save you time. Both the owner and the developer will be saved the time of trial and error. The developer will come up with the design on the computer the owner will accept or make changes such that when work commences there is no time wasted in asking for clients view on the progress of the design. All the designs will be ready and the client would have given the developer a go-ahead to commence with the work. Also, the developer will save his or her time by not constantly thinking about how to implement some styles since everything is already developed he or she only need to copy the whole process from the blueprint.
      It also saves the client on the budget. Since the design is out and the proposed budget is also available the client can easily monitor the work progress and check if it is going on with the plan. It also gives him or her an opportunity to access if they are able to finance the undertaking or not which helps in saving time and money wastage. Also, the client is given a chance to monitor the work even if they don't understand how it is done and in that process in encourages customer involvement.