Free Essays on The Environmental Effects of the High Dam at Aswan

Presentation: The job and soundness of Egypt 's populace is legitimately connected to the Nile valley and delta. In spite of the fact that these two areas represent less then 5% of Egypt 's land surface (fig. 1), all its agribusiness and water sources are amassed in these regions (White 1988). The water hotspots for the Nile are the Blue Nile (starting at Ethiopian good country) and the White Nile (depleting east focal Africa and Sudan).The waterway courses through Egypt toward the Mediterranean ocean, shaping a delta at its south-east coast. Fig. 1 - The Nile way in the wake of building the Aswan high dam. (White 1988). Preceding the start of emplacement of flood along the Nile in the last century, the waterway had an occasionally fluctuating fluvial system (Hurst 1964). Its every year water release at the coast was above 8*1010 m3, thinking about 10*108 huge amounts of dregs (Eldardir 1994), and was the primary residue hotspot for the east Mediterranean (Stanley and Wingerath 1996). Toward the finish of the nineteenth century two significant residue bearing merchants were dynamic (Damietta and Rosetta, fig. 2) (Stanley 1996). A progression of blasts along the Nile (north of Aswan) were built during the nineteenth century directing stream and route (Elassiouti 1983). Toward the start of the twentieth century the primary dam in Aswan, the low dam, was fabricate. This dam was intended to produce hydroelectric force and, to decline the regular variances in the Nile stream (without conveying any water capacity over starting with one year then onto the next). In like manner, it hasn't put away any huge measures of Nile sediment. During the 1950's the Egyptian government needed to confront a high populace develop rate (~3% per year). Given its restricted assets of arable land in the Nile valley, Egypt was searching for chances to grow its agribusiness, vitality, what's more, related assembling creation. The most straightforward option was to extend the inundated regions and to inc... Free Essays on The Environmental Effects of the High Dam at Aswan Free Essays on The Environmental Effects of the High Dam at Aswan Presentation: The occupation and solidness of Egypt 's populace is legitimately connected to the Nile valley and delta. Despite the fact that these two districts represent less then 5% of Egypt 's land surface (fig. 1), all its agribusiness and water sources are packed in these regions (White 1988). The water hotspots for the Nile are the Blue Nile (beginning at Ethiopian good country) and the White Nile (depleting east focal Africa and Sudan).The stream courses through Egypt toward the Mediterranean ocean, framing a delta at its south-east coast. Fig. 1 - The Nile way in the wake of building the Aswan high dam. (White 1988). Before the start of emplacement of flood along the Nile in the last century, the stream had an occasionally fluctuating fluvial system (Hurst 1964). Its yearly water release at the coast was above 8*1010 m3, thinking about 10*108 huge amounts of residue (Eldardir 1994), and was the principle dregs hotspot for the east Mediterranean (Stanley and Wingerath 1996). Toward the finish of the nineteenth century two significant residue bearing wholesalers were dynamic (Damietta and Rosetta, fig. 2) (Stanley 1996). A progression of blasts along the Nile (north of Aswan) were built during the nineteenth century managing stream and route (Elassiouti 1983). Toward the start of the twentieth century the principal dam in Aswan, the low dam, was construct. This dam was intended to create hydroelectric force and, to decline the regular vacillations in the Nile stream (without conveying any water capacity over starting with one year then onto the next). In like manner, it hasn't put away any huge measures of Nile residue. During the 1950's the Egyptian government needed to confront an exceptionally high populace develop rate (~3% every year). Given its restricted assets of arable land in the Nile valley, Egypt was searching for chances to grow its horticulture, vitality, what's more, related assembling creation. The least demanding option was to extend the inundated territories and to inc...

Free Essays on Adolescents

Immature DECISION MAKING: Suggestions FOR PREVENTION PROGRAMS MEDIA INFLUENCES The media - TV, radio, motion pictures, music recordings - are a piece of the social condition where the present youngsters grow up, and they can add to setting social standards. Moderator Sarah Brown, chief of the National Campaign to Prevent Teen Pregnancy, called attention to that youthful young people go through as long as seven hours daily sitting in front of the TV and that more seasoned youngsters may go through over seven hours daily tuning in to the radio and CDs or watching music recordings. There is a gigantic measure of sexual allusion and sexual action depicted in the media, and the majority of that sexual movement is between unmarried individuals, as per Brown. In her examination, moderator Monique Ward, right hand teacher of brain research at the University of Michigan, found that 29 percent of connections between TV characters is sexual in nature (Ward, 1995). She brought up that drinking pervades TV, with 70 percent of prime time organize shows depicting in any event one case of liquor utilization. There is likewise some sign that the depiction of cigarette smoking is on the expansion both in films and on TV (Klein et al., 1993; Terre et al., 1991). Little research has been done to report the impact of media depictions of sexual conduct or liquor, tobacco, and medication use on the conduct of adolescents. Ward has discovered some proof that the media may impact social standards. Her examination found that youthful grown-ups who stare at the network shows with high sexual substance, for example, evening dramas and music recordings, will in general have increasingly liberal sexual perspectives and to accept their friends are more explicitly dynamic than do the individuals who don't watch such shows. Publicists burn through a large number of dollars attempting to impact item buys. Various investigations have demonstrated that tobacco publicizing and limited time exercises may urge youngsters to start and t... Free Essays on Adolescents Free Essays on Adolescents Youthful DECISION MAKING: Suggestions FOR PREVENTION PROGRAMS MEDIA INFLUENCES The media - TV, radio, motion pictures, music recordings - are a piece of the social condition wherein the present youngsters grow up, and they can add to setting social standards. Moderator Sarah Brown, executive of the National Campaign to Prevent Teen Pregnancy, brought up that youthful young people go through as long as seven hours daily sitting in front of the TV and that more established adolescents may go through over seven hours daily tuning in to the radio and CDs or watching music recordings. There is a huge measure of sexual insinuation and sexual movement depicted in the media, and a large portion of that sexual action is between unmarried individuals, as per Brown. In her examination, moderator Monique Ward, collaborator educator of brain research at the University of Michigan, found that 29 percent of communications between TV characters is sexual in nature (Ward, 1995). She brought up that drinking pervades TV, with 70 percent of prime time arrange shows depicting in a ny event one example of liquor utilization. There is likewise some sign that the depiction of cigarette smoking is on the expansion both in motion pictures and on TV (Klein et al., 1993; Terre et al., 1991). Little research has been done to record the impact of media depictions of sexual conduct or liquor, tobacco, and medication use on the conduct of young people. Ward has discovered some proof that the media may impact social standards. Her examination found that youthful grown-ups who stare at the network shows with high sexual substance, for example, evening dramas and music recordings, will in general have increasingly liberal sexual mentalities and to accept their friends are more explicitly dynamic than do the individuals who don't watch such shows. Promoters burn through a huge number of dollars attempting to impact item buys. Various examinations have indicated that tobacco publicizing and limited time exercises may urge youngsters to start and t...

Ramifications Of Underhand Scientific Methods The Challenger - 550 Words

Ramifications Of Underhand Scientific Methods: The Challenger (Essay Sample) Content: Student’s Name Course Professor’s Name Date Ramifications of Underhand Scientific Methods: Analysis of the Challenger Science has always pushed the limits of the possible, leading to great success and occasionally attracting the most expensive catastrophes. Astronomy is arguably one of those scientific fields that have challenged the sky as the limit clichà © in underscoring the value of integrity in scientific research. Missions to space undeniably require money, but they are just as dependent on flawless scientific thought process as well. In the Space Shuttle Challenger, scientific thought process was negligently derailed, attracting far-reaching ramifications including loss of lives and money, in addition to tainted reputation. On January 28, 1986, the world watched in horror as seven lives – the astronauts onboard – perished in midair. The Challenger’s seal, O-ring, located in the right Solid Rocket Booster (SRB), failed at liftoff, leading to the leakage of hot, pressurized gas and an inevitable explosion. Pieces of the ship’s hardware broke down above the Atlantic Ocean about 73 seconds into the flight. NASA was grounded for 2.5 years. In less than two minutes, years of research, billions of dollars, and seven lives were brought to a horrific end because someone ignored the need for ethics and integrity. Examples abound of violation of the principles of scientific ethics and rigor in the Challenger case. First, while the engineers at Morton Thiokol recommended delaying the mission citing extremely low temperatures as a risk factor, researchers have hinted that the engineers’ case was potentially flawed (Robinson 81), with others claiming that it was poorly designed, lacked dependable statistical backing, and pegged on misrepresentation of data (Bajorski and Tufte 22). Secondly, after Morton Thiokol management accepted and sent to NASA the engineers’ recommendation that the Challenger was not flight ready, NASA shifted the burden of proof to them. Instead of involving the engineers to prove their claim, the managers at Morton Thiokol simply voted to approve the flight (Robinson 62). Scientific questions require integrity in formulating hypotheses and conducting elaborate research for sound decision-making; an emotional-ridden democratic process is not a viable alternativ e. Decision makers in this case ignored several red flags. Professional advice was to postpone launching the ship until the temperatures were much higher, a decision that was based on experience and the data available to the experts at the time (Robinson 59). Additionally, launch attempts failed severally for over a year up to nearly the last day; a micro switch detected a defect in an exterior hatch-locking mechanism just a day before launching (Boyd par. 4). Besides the engineers’ advice, Bob Ebeling wrote an official memo to NASA titled â€Å"Help† to reiterate that the shuttle and SRB are likely to fail below 40 °F in which they have never been certified to operate (Boyd par. 5). A skeptical audience would ask how safe the flight was after the successive malfunctions, the fact that a space ship had never been launched under extremely low temperatures, and the numerous expert warnings no matter how subtle. Two actors – the management at Mort Thiokol and NASA – could have done something differently to avert this tragedy. Critical analyses have exonerated the engineers (Robinson 59),...

Petries Film Adaptation Placing A Raisin in the Sun in a New Light - Literature Essay Samples

The American Dream varies for individuals, but for most it includes providing a stable home for their children and ensuring future generations will have more opportunities to become successful. In the play, A Raisin in the Sun by Lorraine Hansberry, she carefully develops the characters to allow readers to understand their struggles and attempts to rise above oppression. Director Daniel Petrie adapted Hansberry’s play into a film and while the original theme of oppression is still conveyed, the delivery of the message is altered and displays the Youngers’ struggle differently. The film adaptation does not entirely present the Youngers’ as utterly impoverished African Americans as Hansberry does, but rather paints the family to be as respectable as possible without making them white. Director Petrie, although he attempts to embody the theme of the obligation of society to fight racial discrimination, he takes a far more passive approach than Lorraine Hansberry. In the play, Beneatha is presented as hope against the oppression she is suppressed by which reinforces her central theme. However, Petrie minimizes her role in establishing the central theme. Beneatha embraces her ethnicity in the play, however Petrie removes this aspect in his film. Daniel Petrie’s directorial decisions in the movie adaptation of A Raisin in the Sun portrays Hansberry’s central message of oppression however he fails to reinforce society’s responsibilities for this oppression. In the film Petrie alters the setting of the Youngers’ living room thus revising Hansberry’s intent to present the family as impoverished. Hansberry conveys the message of oppression through the symbolic use of the setting being limited to the Younger’s living room. The play begins with a physical description of the Younger’s living conditions, making specific references to the poor condition of the furniture. The original furniture that took al l Mr. and Mrs. Younger’s savings to purchase is still standing and showing its wear, â€Å"Now the once loved pattern of the couch upholstery has to fight to show itself from under acres of crocheted doilies and couch covers which have themselves finally come to be more important than the upholstery† (Hansberry, 1.1). Hansberry successful creates an image of poverty as well as creating a symbol of lost hope. The furniture is worn, past its prime and in need of being replaced but the Youngers do not have the financial means of replacing it. Hansberry allows the readers to view the living room as a symbol of the Youngers’ poverty level. What was once purchased as a sign of hope has changed, â€Å"Weariness has in fact won in this room. Everything has been polished, washed, sat on, used, scrubbed too often. All pretenses but the living room itself have long since vanished from the atmosphere of this room† (Hansberry, 1.1). The living room becomes symbolic of the Younger’s plight, they are tired and worn out from trying to advance their position in life. Their chances of acquiring the American Dream has begun to fade. Petrie takes a different approach with the living room setting. Although the furniture is slightly dated, the room looks well maintained and is recognizable as furniture belonging to the middle class. The accessories such as the rug and the doilies do not appear to be hiding any imperfections but rather act as decorations. Petrie succumbs to constraints of society and alludes to their oppression but doesn’t make it the central theme. By portraying the Youngers as close to middle class, the audience is able to continue to support the Youngers’ in their quest for a better life without having to admit there is inequality based solely on the color of the Younger’s skin. This directorial decision in regards to the setting of the living room somewhat reinforces the concept of oppression but revises th e role society has in being part of the solution. Hansberry portrays Beneatha as hope that the future will rise above the oppression; however, Petrie presents her with less conviction diminishing Hansberry’s central theme. Through the conversation Beneatha has with her family in regards to her choice of men, her character is revealed. Beneatha is involved with two men: George who is wealthy and Joseph Asagai who is a mysterious man from Nigeria. Her family expects her to marry George as he will provide her with financial security, but Beneatha rejects this idea. Beneatha explains her intention, â€Å"Oh, I just mean I couldn’t ever really be serious about George. He’s he’s so shallow† (Hansberry, 1.2). Hansberry’s stage direction for this statement is precluded with the stage direction that Beneatha is speaking wearily. The inclusion of this tone reinforces Beneatha’s frustration with societal expectations that she will marry any man who can provide her with financial stability. As a n African American woman, she is on the bottom of the social hierarchy and not expected to rebel against her status. However, Beneatha refuses to submit to society’s expectation that her potential husband should be based on wealth rather than character. Hansberry portrays Beneatha exhausted with societal constraints, conveying the theme of society’s responsibility in suppressing the dreams of African Americans. Although in this scene Petrie uses Hansberry’s exact dialogue, he ignores that critical stage direction that Beneatha would speak wearily. His directorial decision revises the intended tone and shifts her frustration from society onto her family. She seems annoyed with her family for not respecting her analysis of George. She doesn’t appear independent nor as a catalyst for change but rather as immature. She has lost her credibility as hope for change. By removing a single stage direction, Petrie minimizes the impact that Hansberry intends for Bene atha and lessens society’s responsibility for oppression. Hansberry presents Asagai as a protagonist who encourages Beneatha to refuse to accept white societys constraints, however Petrie reduces the significance of Asagai by his directorial decisions. In the play, Joseph Asagai challenges Beneatha to learn more about herself, and her culture. Asagai’s significance in the play is portrayed when he arrives at the Youngers’ apartment. He presents Beneatha with authentic African robes and helps her to drape them properly, he says â€Å"You wear it well†¦.very well†¦ mutilated hair and all† (Hansberry 1.2). Joseph catches Beneatha off guard, she does not understand what is wrong with her hair. She makes the claim that she straightens her hair not because she sees it as â€Å"ugly† (Hansberry, 1.2), but because it is hard to manage. Joseph pushes Beneatha to recognize that in manipulating her natural hair she is trying to blend into the white society, rather than embrace her roots. Joseph encourages Beneatha to accept her heritage and rise above oppressive white society. Its is her interactions with Joseph that lead Beneatha to a drastic show of rebellion as she cuts off her hair into a closely cropped, ethnic style. This is Beneatha’s way of embracing her ethnicity and making a statement to society that African Americans shouldn’t have to change their appearance to be accepted. Hansberry reveals her theme that white society oppresses African Americans by pushing them into assimilating into white society rather than encouraging them to embrace their roots. Petrie not only revises Hansberry’s central theme of society responsibility for oppression by deleting the reveal of haircut scene but also the influence of Asagai. Deleting this scene removes both her assimilation into white society and her defiance of those constraints. Petrie’s decision to make Asagai a minor character fails to reinforce Hansberry’s central theme of the responsibility society pla ys in the oppression of African Americans. Daniel Petrie makes changes in his film version of A Raisin in the Sun, thus affecting Hansberry’s central theme of society’s responsibility of oppression. Petrie revises Hansberry’s play by making slight changes to the setting, character development and interactions. He alters the setting by the presentation of the Youngers furniture to give the appearance that they are less impoverished. Petrie presents Beneatha’s character as foolish and immature rather than Hansberry’s version being an African American women embracing her heritage and rebelling against societal constraints. In the play Joseph Asagai plays a pivotal role in encouraging Beneatha to break through society’s oppression by pushing her to embrace her roots. Petrie, however, downplays Josephs influence and in fact removes the very action that demonstrates Beneatha’s defiance of society’s oppression. Hansberry leads the reader to support the characters and their dete rmination to rise above oppression. Petrie however, presents and develops the characters in a manner which leads the audience to conclude that although this family has been oppressed they are partially responsible. Words are more open for interpretation if they are just in print form. On the other hand, when the words come to life through interactions the tone and attitudes are less open to interpretation.

African Americans During The Civil War - 1737 Words

Imagine fighting for a great cause, a cause that would benefit many people. Help benefit the society in which we live in. That s a chance many African Americans dreamed of having. They finally had their chance to prove themselves among the white people. Their opportunity was here, they were going to fight in the Civil War. African Americans fought for both the Confederates and the Union. The Confederates were the people in the southern part of the United States who believed they needed to keep slaves to benefit the economy. The Union were the people in the north part of the United States who believed in the abolishment of slavery. Some of these African Americans were former slaves, others were African Americans who wanted to abolish (or get rid of) slavery. Over 180,000 African Americans served in the Civil War. Many however, were not recognized after the war ended. At the time when the Civil War occurred there were over 4 million slaves in the south. The Union fought to unite the divided country and to free the slaves. The south fought for independence and to decide the future of the southern slavery. In this paper we will look at 2 amazing stories of troubles, sorrows, and triumphs of these brave soldiers. Benjamin Franklin Butler was an unlikely general. At a first glance many would not realize he would have a big impact in the Civil War. Benjamin was bald, overweight, and crosseyed. His uniform was also covered in dirt and many stains. Benjamin was fromShow MoreRelatedAfrican Americans During The Civil War1211 Words   |  5 PagesAfter the Civil War, the United States underwent a period of reconstruction. From the time of 1877 to 1890, the US economy grew exponentially, wealthy business owners like Rockefeller and Vanderbilt built American cities and railroads, and immigrants from all over the world flooded into the country. However, during this period America also faced great amount of poverty, terrible working conditions, mass political corruptions, and a destruction of civil rights for African Americans, women, and immigrantsRead MoreAfrican Americans During The Civil War844 Words   |  4 PagesOver the years, the African American race has greatly evolved from having a lack of individual freedom to having their own sense of individuality. There have been many different events in America that has played some part in the evolution of the black race. After the Civil War, most of the races in America were seen to have separate freedom, but as the years progress African Americans were one of the many to stand up and obtain their individuality. In the process of obtaining individual freedomRead MoreAfrican Americans During The Civil War1434 Words   |  6 PagesMany African-Americans faced huge struggles years after the civil war. Their journey for racial equality began during the Reconstruction Era. The Civil War gave slaves freedom, a new set of huge challenges were put into play in the South. Under President Andrew Johnson, there were many new southern state legislatures that passed â€Å"black codes† to control most of the labor and behavior of the former slaves. Outrage in the North over these restrictive codes destroyed support for presidential reconstructionRead MoreAfrican Americans During The Civil War1423 Words   |  6 PagesAfrican Americans were a very important addition to the American Civil War such as fighting and spying for both the north and the south sides. The American Civil War was a war fought in the United States between the North and South states. The war was from 1861-1865 and was because the South wanted to establish itself as a separate nation. The northern states were called the Union and the southern states were called the Confederate. Between the north and south states were the Border States, whichRead MoreAfrican American During The Civil War1235 Words   |  5 Pages African Americans Suffered During the Civil War Allison Wessels English 11- Period 5 Mrs. Blomme March 11, 2016 African American Suffered During the Civil War Outline: Thesis Statement: African American soldiers fighting in the Civil War. Introduction Introduce main points State thesis statement History of slavery Life of an African American slave Treatment Living conditions Work responsibilities African American soldiers Treatment of African American soldiers vs.Read MoreAfrican Americans During The Civil War1170 Words   |  5 PagesIn 1865, when the civil war ended in America and slavery was abolished, the African American population in the South faced many challenges related to their new found freedom. Following the post-Civil War Reconstruction period, white supremacy resurfaced in the South (AE Television, 2015). Beginning in the early 1900s through 1970 there was a mass exodus of African American s from the South to the North in America. Although some African American s were known to have moved from the South as earlyRead MoreAfrican Americans During The Civil War995 Words   |  4 Pagesbefore the Civil War, so it was a constant battle between African Americans and Whites. Antebellum time period focus on the differences between people in the south and the north. People who wanted slavery to continue, because it was profitable and people who wanted it to end. More simply, whites in the sou th did not want slavery to end, because it was a business that allowed them to make money off of other people s labor. While people in the north were more open to allow African Americans have moreRead MoreAfrican Americans During The Civil War Essay1319 Words   |  6 Pagesamong young African American men with little schooling. Radical changes in crime control and sentencing polices led to an unprecedented buildup of the United States prison population over the last thirty years. African Americans comprise a disproportionate percentage of the individuals imprisoned in State correctional institutions across the United States. . There are 5 main reasons as to why African Americans repeatedly go to prison. These reasons are racial discrimination, the war on drugs, trafficRead MoreAfrican Americans During The Civil War2079 Words   |  9 PagesAfrican Americans in the Civil War Everyday, people wake up and take it for granted. Just the simple and small things in life, people don’t seem to really appreciate. They tend to be ungrateful for the things that have been basically given to them. Many people of today do not realize the severity of how hard it was to get to this point in history. African Americans have had to face very strenuous times in order to make this world a better place. African Americans faced difficult times during theRead MoreAfrican Americans During The Civil War Essay2121 Words   |  9 Pagesthe Civil War, dividing the North and the South over the issues of slavery. In the end of the Civil War, many individuals with every sense of positive intentions gave opportunities and support to freed slaves developing into beneficial members for the nation. The United States came together as a nation to solve the issues of slavery, freedom, and the reorganization problems particular to African Americans. It is seen throughout our history a ll efforts to solve these issues but sadly African Americans

Colosseum, Arch of Titus, Basilica of Constantine, Palace...

The Western civilization as we know it traces back to Europe, as well as the Mediterranean. More specifically, it is comprised of mainly Western Europe and North America. The Western culture as a whole exemplifies the social norms, political systems, heritage, and customs. Much of those influences have arisen by no other than the contributions done by Rome. Rome has not only shaped a significant amount of the Western civilization in various ways such as the architecture, forming of a republic, diffusion of culture, and spread of Christianity, but has also shaped the entire way of living done throughout the civilization. The Romans were known for having original ideas, being initiative, and finding ways to creating never before done architecture. It was so well done and detailed, that it soon became a type of Roman art form. The most famous known structures in Roman architecture are the Colosseum and the Arch of Titus. The structures that still stand still to this day are the Basilica of Constantine and the Palace of Diocletian. The architecture was a key way of reflecting how culturally superior, wealthy, and skilled Rome really was. The Roman use of concrete, brick, and arches allowed popular building designs like the basilica and amphitheater to be done. Some more examples in which concrete, brink, and arches were utilized were on bridges, temples, theaters, as well as walls. All of those structures are still very significant today and will continue to be in years to

The Importance of Bank Lending Essay Example

Essays on The Importance of Bank Lending Essay The paper "The Importance of Bank Lending" is an outstanding example of an essay on finance and accounting. The importance of bank lending can never be overstated. Bank loans are essential to the economic growth of any country around the world. As bank loan provides the capital for various businesses to expand or those that never existed to start. It also meets the payrolls that keep many nations around the world working.   Then what is a bank loan?In finance, a bank loan usually is a fixed term with given regular fixed repayment.   A bank loan is typically extended for a fixed term with a pre-agreed schedule of interest and capital repayments. Interest is normally payable on the initial sum borrowed, irrespective of the falling balance as repayments are performed. Compared to other borrowings from the bank such as bank overdraft, bank loan has a relatively lower rate of interest. Through loans likewise, a large sum of money can be borrowed as long as there is a pre-agreed schedu le of interest and capital repayments.   A bank loan is supposed to be paid at the stated time, or the borrower of the loan faces risks.A bank loan can also be defined as a sum of money borrowed by a business or customer from a bank, often particular purpose must be stated to be provided with the loan, such as an individual or a business may state that they need a loan to purchase a vehicle then using such basis the individual is provided with the loan after an agreed interest on the sum taken. The role of a bank loan is to offer the bank customer with the required funds to achieve the purpose of the loan and to give the bank interest income. Most bank lending is accepted on collateral in one way or another and hence protects the bank from risk in the case of loan default by the customer. It is also important to note that the interest to be charged on the loan is determined depending on the two things. One, the bank loan interest depends on the rate of interest the bank offers as dictated by the Federal Bank. Secondly, the determination of the amount of interest rate to a bank loan is on the amount borrowed and the payment period. There are several kinds of bank lending available to customers. The most common types are home loans given on both fixed and adjustable-rate, car loans on both new and used vehicles, credit cards, student loans, personal loans and business bank loans in several different forms.The initial step in attaining a bank loan is by the customer of the bank accepting the terms that will be set on the loan then filling the loan application form. The application of the bank loan will include financial information, personal information, and questions about the purpose of the loan. After customer's, the application will go into underwriting, here the bank will decide on whether or not to loan the client and at what rate of interest given the period applied for. Many banks will analyze the customer's credit rating and offer a bank loan.