History of the Violin and Bow Essay Example for Free

History of the Violin and Bow Essay Stringed instruments such as the violin and its accompanying variations have been used in music for thousands of years. The first officially recorded use of the violin was during medieval European times. The earliest form of the violin was referred to as a Fiddle and the person playing it was termed as a Fiddler. During the 15th century though, the violins began taking on a new shape and began to carve its own history in music. The evolution of the violin continued into the 16th century when it developed what was to become its final look and shape. It is this artistic representation of a violin that we still recognize and use in our present time. An Italian from Cremona named Andrea Amati, is recognized as the founder of the most famous violin making school. The violin making school is not a structure per se but more of a school of thought and characterization. It was during this time that an explosion in violin making reached as far as Europe even as Cremona remained as the home of the best violin makers in the world. The most famous of these violin making families are the Amati, Guarneri, Antonio Stradivari, Rugerri, and Bergonzi. In the music world, the finest musicians openly acknowledge the Stradivari and Guarneri violins to be the best violins ever made over the past 150 years. The Violin is a member of the string instrument family and is capable of producing a 3 octave sound range when played by skilled musicians. The sound a violin creates depends on a number of factors, the most important of which are the type of wood used to produce the body of the instrument and the type of metal strings used.. It is usually 14 inches in length and uses metal strings tightened to various degrees on tuning pegs, to produce its exceptional sound quality. A typical violin is composed of the following parts: Chin rest, F-hole, strings, tuning pegs, scroll, tailpiece, fine tuners, bridge, belly, fingerboard, neck, and back plate. The sound is produced by the instrumentalists skimming a bow over the metal strings. Violins are usually constructed to withstand the 17 pounds of downward force that is regularly applied to the 4 metal strings. But just like any stringed instrument, the Violin in itself will fail to make sweet music for the listeners if not strummed with a bow. The bow is the instrument by which a Violinist makes his instrument sing. His expertise in the use of the bow produces the violins varying tones and pitches. How a bow is shaped and the different parts that form the bow all work together to form the best bow for violin playing. A bow is most often described as an arc shaped piece of wood that has a flat horsehair piece stretched and tensioned across the wood. The tips of the bow are pointed on one end and rounded on the other. Although the violin enjoyed various incarnations as it gained popularity and was played by chamber and orchestra musicians, the violin bow did not keep up with these changes. This led to a total redesign that resulted in what is known as the modern bow. The modern bow is believed to have first made its appearance in France during the 19th century at the hands of the Tourte family. The Tourte family is considered by the violin historians to be the bow maker equivalent of the Stradivari family in violin making. The modern bow has more tension and resistance and uses Pemarnbuco wood as wood stick. Sometimes, makers will add subtle modifications to the bow in the hopes of producing a more handy and usable bow. Admittedly, not much has changed in the 150 year history of the bow. The violin and bow can be thought of in terms of milk and cookies or coffee with cream. One always enhances the best aspects of the other in order to produce a very significant experience for the person whose auditory and sensory perceptions participate in the resulting enjoyable final product of the merging of the 2 instruments. Work Cited Psarianos, Peter. (2007). Violin Bow. How Products Are Made. Retrieved October 14, 2007 from http://www. madehow. com/Volume-2/Violin-Bow. html. Skinner, Matthew. (N. A. ). The Violin and It’s History. Retrieved, October 13, 2007 from http://www. nelson. planet. org. nz/~matthew/cbt. html Sprenger, Christoph Sprenger, Raffael. (N. A. ). The History of the Violin. Retrieved October 13, 2007 from http://www. sprengerviolins. com/e/violin_history. htm.

ten commandments :: essays research papers

The Ten Commandments monument should be removed is because it was put there dishonestly. If the circumstances of this situation were different, in that case I would agree that the Ten Commandments monument should stay. Then I take into consideration how the monument ended up in the public courthouse, and I can see why it should be removed. Perhaps the monument should not go away where it will never be seen again, but taken to a place where it can be seen by anyone that wishes. At the beginning of this whole ordeal, I was right beside those who protested the removal of the monument. I thought about the First Amendment right: Freedom of Religion. Chief Justice Moore and his anonymous helpers took it upon themselves to put the monument there. But after I found out how the monument was placed there without consent of the court. This gave me one good reason why the monument should be moved. The next reason I think it should be moved is for the very reason that it is in a public courthouse. Yes, the first amendment does protect Freedom of Religion but whose religion? It doesn’t state any religion, whether the religion is Christianity, Buddhism, or paganism. Each and every one of us is entitled to the freedom of our own religion. This is a public courthouse where people of all religions come for justice. So another reason why it should be moved is because someone who comes to the courthouse might be offended by the Ten Commandments because they are of another religion. Also, they have to take into consideration the broad meaning of freedom of religion. So, let’s say the monument stays for the very reason of â€Å"Freedom of Religion†. Are Chief Justice Moore and his accomplices going to be okay with someone of the atheist religion sneaking into the courthouse one night and making a display of his religion? This would have to be okay because everyone is entitled to their right to freedom of religion. Before we know what is happening we will have monuments and displays everywhere. This is another reason why the monument should be moved because if it is okay this one time, then where does it stop. I‘m not saying that this monument should be taken away and destroyed, I‘m saying that these people who want it on display should spend less time protesting and more time raising money to have a place built for their precious monument.

Search and Seizure

Abstract â€Å"The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized† (Hudson, 2010, p. 363). In this essay we will explore what is reasonableness under the Fourth Amendment. A discussion of consensual encounters vs. etentions concerning search and seizure, we will also discus important cases that shape the fundamentals procedures of search and seizure. According to Rutledge (2010) p. 109, reasonableness may have up four factors to consider: Justification, scope, place, and manner of execution. He also makes a valid point to state that even if an officer were to have the first three factors, justification, scope, and place the fourth is the most important because it could invalidate the search and seizur e if its not done properly.A justifiable search could have many factors that would allow an officer to conduct a proper search or make a lawful detention and stops. One of them is a search warrant, which carries a limited authority to detain persons present and also search the property detailed on the warrant. Another is a criminal profile; an example would be of a drug dealer that would fit the physical description given to the officer. Anonymous tip, multiple informant’s, an example is like two or more persons able to identify someone that has committed a crime, and of course police observation.However if the officer sees something suspicious he/she has to articulate why such person has broken the law and given him/her probable cause to do a warrantless search or detention on such said person. Scope falls in the actual process of the search, meaning that you could only reasonably search with in the search area, an example that my teacher Mr. Enos discussed in class, was if your searching for alcohol in a vehicle then you could only search were alcohol could be reasonably hidden inside a car.Place refers to a public or private area, an example is you could search the immediate area of a public place like a park, but you can’t search someone’s back yard without a warrant. Lastly the Manner of Execution, which refers too the manner in which the officer caries out the search and his/her understanding of the individuals rights, and example would be that you could do a weapon pat down, which is literally just a pat down of the individuals clothe and don’t actually searching pockets and such.Also it helps the officer to diffuse the situation if the officer was to ask not demand and example would be â€Å"could I pat you down for my own protection? † (Rutledge 2010, p. 111). Consensual encounters are when an individual has agreed to talk to an officer on his/her own free will; such said person can at any time terminate the conversa tion and leave. An officer is able to lawfully approach anyone in a public setting and engage in a conversation. Also Rutledge advises that an officer can knock on the front door of a suspect to attempt a consensual encounter with the suspect, he can also approach a park vehicle to do the same (p. 110).Also its ok to shine a flash light on someone and ask to talk and the reason being I believe is for the safety of the officer and the communities, its reasonable I think to want to know who is lurking in the dark. Also its reasonable that its consensual when you ask people certain things like, for identification, and show of hands, because its for the safety of the officer and also to expedite the situation along. The definition of Detention according to Rutledge is â€Å" A detention occurs when a person submits to something the officer says or does that would communicate to a reasonable person that he/she is no longer free to leave† (2010 p. 10). However that’s only tr ue when you have a probable cause or reasonable suspicion for such an action. The use of hunches or suspicions with any grounds is not justifiable, also if a person is hanging out in a high crime area you cant just detain them for that, also random car stops for drivers license’s check is unjustifiable, you could do sobriety checkpoints lawfully and also witness checkpoints, that’s when there is a brief stop to pass out flyers to find a suspect/felon or to seek a witness out for a nearby crime (p112).Some of the Cases I thought were interesting and that help shape the methods of Search and Seizure were California vs. Greenwood, Katz vs. U. S, and Whren vs. U. S. California vs. Greenwood was a case in which the Supreme Court of the United States held that the Fourth Amendment does not prohibit the warrantless search and seizure of garbage left for collection outside the premise of a home. What happen in this case was that an investigator had various sources saying that Mr.Greenwood sold illegal drugs out of his home. So the investigator asked the trash collector if he could bring the trash to her, and sure enough there was drug paraphernalia in the trash bags (Wikipidia). In the case of Katz vs. U. S. the issue was a warrantless search and seizure in a violation of the fourth amendment? The situation was as followed Katz used a certain phone booth for interstate bookmaking and those conversations were being tape by some agents and those tapes were used to convict Katz of federal crimes.However Katz contended that the interception of his phone calls were in violation of his fourth amendment rights, and the courts a greed and reverse Katz’s conviction stating that the search had not being pre-approve by the judge and was warrantless therefore illegal (Rutledge p. 158). In the case of Whren vs. US the issue is can a traffic stop be used as a pretext to stop a vehicle for investigative purpose? (Rutledge p. 167). Under cover narcotics officers saw a vehicle make two traffic violations and made stop to issue a warning when they spotted Mr.Whren with crack cocaine in his hands. Whren was arrested and prosecuted, but he fought, saying that the traffic stop was an excuse to make a narcotic investigation. However the court ruled in favor of the officer that they did have the right to the arrest because it did not violate the Fourth Amendment (Rutledge p. 168). In conclusion I have cover several topics in which Search and Seizure have being explain. Such has what is a reasonable search under the Fourth Amendment, and what is a consensual encounter and what is a detention.Also I have covered a couple of cases that have help shape the methods of search and seizures. REFERENCE Hudson, David L. , (2010) THE HANDY LAW ANSWER BOOK, pg. 363, Visible Ink Press Rutledge, Devallis, (2010 by LawTech Publishing) Californias Peace Officers’ Legal and Search & Seizure Field Sourceguide, pg. 109-112, 158, 167-168. Retrieved May12, 2010 http://supreme. justia. com/us/486/35/case. html California vs. Greenwood,486 (paragraph1-2) Search and Seizure Abstract â€Å"The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized† (Hudson, 2010, p. 363). In this essay we will explore what is reasonableness under the Fourth Amendment. A discussion of consensual encounters vs. etentions concerning search and seizure, we will also discus important cases that shape the fundamentals procedures of search and seizure. According to Rutledge (2010) p. 109, reasonableness may have up four factors to consider: Justification, scope, place, and manner of execution. He also makes a valid point to state that even if an officer were to have the first three factors, justification, scope, and place the fourth is the most important because it could invalidate the search and seizur e if its not done properly.A justifiable search could have many factors that would allow an officer to conduct a proper search or make a lawful detention and stops. One of them is a search warrant, which carries a limited authority to detain persons present and also search the property detailed on the warrant. Another is a criminal profile; an example would be of a drug dealer that would fit the physical description given to the officer. Anonymous tip, multiple informant’s, an example is like two or more persons able to identify someone that has committed a crime, and of course police observation.However if the officer sees something suspicious he/she has to articulate why such person has broken the law and given him/her probable cause to do a warrantless search or detention on such said person. Scope falls in the actual process of the search, meaning that you could only reasonably search with in the search area, an example that my teacher Mr. Enos discussed in class, was if your searching for alcohol in a vehicle then you could only search were alcohol could be reasonably hidden inside a car.Place refers to a public or private area, an example is you could search the immediate area of a public place like a park, but you can’t search someone’s back yard without a warrant. Lastly the Manner of Execution, which refers too the manner in which the officer caries out the search and his/her understanding of the individuals rights, and example would be that you could do a weapon pat down, which is literally just a pat down of the individuals clothe and don’t actually searching pockets and such.Also it helps the officer to diffuse the situation if the officer was to ask not demand and example would be â€Å"could I pat you down for my own protection? † (Rutledge 2010, p. 111). Consensual encounters are when an individual has agreed to talk to an officer on his/her own free will; such said person can at any time terminate the conversa tion and leave. An officer is able to lawfully approach anyone in a public setting and engage in a conversation. Also Rutledge advises that an officer can knock on the front door of a suspect to attempt a consensual encounter with the suspect, he can also approach a park vehicle to do the same (p. 110).Also its ok to shine a flash light on someone and ask to talk and the reason being I believe is for the safety of the officer and the communities, its reasonable I think to want to know who is lurking in the dark. Also its reasonable that its consensual when you ask people certain things like, for identification, and show of hands, because its for the safety of the officer and also to expedite the situation along. The definition of Detention according to Rutledge is â€Å" A detention occurs when a person submits to something the officer says or does that would communicate to a reasonable person that he/she is no longer free to leave† (2010 p. 10). However that’s only tr ue when you have a probable cause or reasonable suspicion for such an action. The use of hunches or suspicions with any grounds is not justifiable, also if a person is hanging out in a high crime area you cant just detain them for that, also random car stops for drivers license’s check is unjustifiable, you could do sobriety checkpoints lawfully and also witness checkpoints, that’s when there is a brief stop to pass out flyers to find a suspect/felon or to seek a witness out for a nearby crime (p112).Some of the Cases I thought were interesting and that help shape the methods of Search and Seizure were California vs. Greenwood, Katz vs. U. S, and Whren vs. U. S. California vs. Greenwood was a case in which the Supreme Court of the United States held that the Fourth Amendment does not prohibit the warrantless search and seizure of garbage left for collection outside the premise of a home. What happen in this case was that an investigator had various sources saying that Mr.Greenwood sold illegal drugs out of his home. So the investigator asked the trash collector if he could bring the trash to her, and sure enough there was drug paraphernalia in the trash bags (Wikipidia). In the case of Katz vs. U. S. the issue was a warrantless search and seizure in a violation of the fourth amendment? The situation was as followed Katz used a certain phone booth for interstate bookmaking and those conversations were being tape by some agents and those tapes were used to convict Katz of federal crimes.However Katz contended that the interception of his phone calls were in violation of his fourth amendment rights, and the courts a greed and reverse Katz’s conviction stating that the search had not being pre-approve by the judge and was warrantless therefore illegal (Rutledge p. 158). In the case of Whren vs. US the issue is can a traffic stop be used as a pretext to stop a vehicle for investigative purpose? (Rutledge p. 167). Under cover narcotics officers saw a vehicle make two traffic violations and made stop to issue a warning when they spotted Mr.Whren with crack cocaine in his hands. Whren was arrested and prosecuted, but he fought, saying that the traffic stop was an excuse to make a narcotic investigation. However the court ruled in favor of the officer that they did have the right to the arrest because it did not violate the Fourth Amendment (Rutledge p. 168). In conclusion I have cover several topics in which Search and Seizure have being explain. Such has what is a reasonable search under the Fourth Amendment, and what is a consensual encounter and what is a detention.Also I have covered a couple of cases that have help shape the methods of search and seizures. REFERENCE Hudson, David L. , (2010) THE HANDY LAW ANSWER BOOK, pg. 363, Visible Ink Press Rutledge, Devallis, (2010 by LawTech Publishing) Californias Peace Officers’ Legal and Search & Seizure Field Sourceguide, pg. 109-112, 158, 167-168. Retrieved May12, 2010 http://supreme. justia. com/us/486/35/case. html California vs. Greenwood,486 (paragraph1-2)

My Explanation of Sociological Imagination - Free Essay Example

Sample details Pages: 4 Words: 1191 Downloads: 7 Date added: 2019/05/07 Category Sociology Essay Level High school Tags: Sociological Imagination Essay Did you like this example? Sociological imagination concept paper TyJenae Cole SOC 2013030 My Explanation of Sociological Imagination In 1959 Sociological imagination, the relationship between individual experiences and larger social influences, was developed by C. Wright Mills. It emphasizes an interconnection between personal issues and broader issues in history of society. Don’t waste time! Our writers will create an original "My Explanation of Sociological Imagination" essay for you Create order According to The Promise, by C. Wright Mills, the life of an individual is shaped by history and society itself. He explains how people should pay attention to social structures and not just the basics. He uses an example of how men believe their lives are a trap because they are only focused on the specifics of their lives (jobs, family, household etc). He continues on stating that underlying the sense of being trapped are seemingly impersonal in the very structure of continent-wide societies, which implies that their issue isnt personal. If we all see thing as a group we would all be less stressed. The feeling of not being alone is enough to satisfy our nerves. My personal definition of is paying attention to broader social structures being connected to personal issues.We all need to consider the big picture when facing obstacles in life. It may not be all our fault. We can relive the weight that is on our shoulders and relax. Structural issues are not our fault it is laws and just the way things are set up. Some of those issues can also influence our decision making process. There are multiple things that influence our decision making. Age can affect our decision process. For example, if you ask a 4 year old if they want a candy or one hundred dollars, they will most likely take the cookie because they normally dont understand the value of money. Speaking of money, a persons socioeconomic status can affect decision making. Not making enough money can restrict a persons options. According to the American psychological Association, having a low socioeconomic status can increase negative emotions which can affect our decision making. They give an example of a person being anxious or depressed, which is linked to poverty, they value smaller, short term rewards oppose to long term rewards. Poverty is also interconnected with narrowing a persons focus. They are more focused on money and food on the table which leaves less thinking for other things. This can also affect the amount of education one has. Many teenagers have to dropout of school and work to help pay rent and bills for the house. Their opportunities in life are now limited because they dont even have a high school diploma. Another influence on our decision making is our religion or beliefs. Many religions have a list of dos and donts. For example, muslim women wear hijab so that a man can know her mind and not her body. They dont have a choice in what to wear outside the house because of what they believe in. On another note, muslim women also are rarely employed/ rarely work outside of home. They also dont go to college. This can limit their opportunities in life as well. Their possibility to become a lawyer or a doctor is rare because they dont have the credibility since the stay at home and didnt go to college. Their biographies fit into larger social structures. Our biographies fit into broader social structures because they are interconnected. Accordings to C. Wright Mills sociological imagination, you are never truly alone in the issues/ obstacles you face. Your private issues may also be a public issue. The example often given is if you have trouble finding a job, it can be part of a more public issue. If the issue affects a whole group it may be a public issue. There is a problem with the work system and it is beyond your control. Another example is divorce. The divorce rates stay constant annually. There are apart of a group in society. They all face similar problems such as, infidelity, money, lack of communication and more. There is always a similar amount of couples that go through similar situations. Their personal issues fit into a social structure. In some way we are all connected to a group that go through similar trials and tribulations.We all fit into a social structure, including me. My personal biography has shaped me into the person I am today. I grew up in a house of seven people with only four rooms. We were all really close and had strong bonds. That made me more open to people. I also grew up in a low income household. That affected the way I think of school. I use to think college isnt for me and that I would just graduate and get a job. Eventually, teachers/ counselors informed me of the importance of college and my perception then changed. I began researching and reading up on college and came to the conclusion that I would go to college and major in something im really interested in and pursue a career that I would love while also making good money. Growing up in a low income household showed me that I actually never want to go through that again which lead me to going to a community college for two year sand then transferring to a university eventually. In the story, Sams decision to drop out, as a private issue, was because of him staying out late to avoid conflict at home. His decision to stay out late resulted in him being late to class and eventually not going to class at all.Growing up in a poor neighborhood can cause stress, adhd and other negative impacts on children. On a structural level, sams dropout was due to him growing up in a neighborhood where 80% of the residents were below poverty line. His parents fighting is also a structural issue. Low socioeconomic status leads to stress and the father was under a lot of stress that wasnt a personal issue. He was limited to man resources. This is something that was way beyond his control. The education system was also a structural issue. They had inexperienced teachers, who were also facing structural issues. Children rarely had textbooks and were not taught history and social studies. These are all structural issues that Samuel and his family faced. Sam resorting to crime, as a private trouble, would be him deciding to commit crimes. He could have done other productive things. If he was one of the only people to commit crimes in his community that makes it a personal issue. As a structural issue Sam and the majority of the kids in the neighborhood turn to crimes due to poverty. It isnt just Samuel that is affected. Since the neighborhood is poor there are no places for children to go play or have fun. Their parents dont make enough to buy them food or nice clothes so they decide to steal.This is a structural issue because a group is affected by the way their lives are set up and they have little or no control over the things that occur. They are a group in society that is affected by the social structure.

The War On Drugs And America s Drug Problem - 1878 Words

Samuel Spitz D Block 5/19/2016 The War on Drugs Based on the success and failures of the drug policies of the past, what is the best strategy for the United States to implement to help America’s drug problem? Throughout time, United States drug policy has shifted dramatically. From all drugs being legal to Prohibition and the War on Drugs, the US has had conflicting ideas about what is best for society and American citizens when it comes to drugs. The current War on Drugs has resulted in countless arrests and years served in prison, and has disproportionately hurt minority communities, only to result in largely unchanged use and death rates for illicit substances. Marijuana, Heroin, and Cocaine have all become cheaper and more pure†¦show more content†¦In the 19th and early 20th centuries, drug use was not seen as a problem in America. Opiates were used in health elixirs to treat all manners of diseases and ailments. As a result, many house wives became addicted to opiates, as did Civil War soldier s, which was referred to as â€Å"Soldiers’ Disease.† Society did not punish these addicts or believe that they were destroying society. That changed however in 1914 with the Harrison Narcotics Act which essentially made all drugs, with the exception of alcohol and marijuana, illegal to sell or consume without a license. The criminalization of alcohol followed suit with the 18th Amendment and Prohibition. A little more than 20 years after the Harrison Narcotics Act was passed, the 1937 Marihuana Tax Act was passed, effectively making Marijuana illegal for growth, sale, and consumption. This path to a harsher treatment of drugs in America was not wholly successful, as Prohibition did not stop individuals from consuming alcohol and instead helped foster the creation of crime gangs which were overly violent and highly profitable. Although Prohibition was reversed in 1933 with the 21st Amendment, laws against other drugs remained, putting many individuals behind bars witho ut preventing the import, sale, or use of drugs. These problems were exacerbated with the War on Drugs in the Nixon and Reagan Era. The hardline policy of the War on

Double Consciousness and the Stranger Essay - 1565 Words

Throughout history, Georg Simmel and W.E.B. Du Bois have had a significant influence on important theories and ideas developed in the Social Sciences. Perhaps two of the most relevant and well-known concepts developed by both of these theorists are the concepts of â€Å"double consciousness† and â€Å"the stranger†. In this paper I will be analyzing both of these pieces of work to draw upon differences and similarities between the two. The similarities I will be elaborating on are the usage of the paradoxical figure, which both Simmel and Du Bois discuss in their theories, and the coexisting feeling of division from mainstream society. The difference between the two theories that I will be exploring is the perception that mainstream society has of†¦show more content†¦He is fixed within a certain spatial circle- or within a group whose boundaries are analogous to spatial boundaries- but his position within it is fundamentally affected by the fact that he does not belong in it initially and that he brings qualities into it that are not, and cannot be, indigenous to it† (Simmel, 143). Simmel defines the stranger as one that is both close and far; that is physically close, but socially distant. He disassociates his concept from the understanding of the stranger as one who comes and goes. Rather, the stranger he speaks of in this case is one who comes and stays, but has not been socialized under the same conditions as mainstream society. Despite this, the stranger is not a person who is withdrawn from society and is unaware of social norms. Rather, someone is inorganically appended to the society, but still an organic member of the group (ibid, 149). The stranger is seen as and valuable member of society because it is, in no way connected to any one individual. The stranger holds a certain objectivity, and can be confessed to without the threat of judgment on the confessor (ibid, 145). Simmel believes that the role of stranger is hist orically related to certain forms of economic interaction, particularly trade. Because the role of the stranger is never theShow MoreRelatedSimmels versus Du Boiss Theories in the Social Sciences1254 Words   |  6 PagesDu Bois have had a substantial influence on imperative theories and concepts developed in the area of social sciences. Two of the most significant and distinguished concepts fostered by both of these theorists are the concepts of â€Å"double consciousness† and â€Å"the stranger†. 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Microinsurance Free Essays

Research question In the developing countries, people are destitute which can be attributed to the political and economic conditions in addition to the situations in the financial and social sector that inhibit the opportunities available for the development.( Islam and Memun,2005,2006).   Micro credit concept with different mechanisms and practices developed by the microfinance institutions helps to reduce the poverty. We will write a custom essay sample on Microinsurance or any similar topic only for you Order Now The impact of the risks on poor people is such that it inhibits the economic and human welfare to a greater extent. Personal, social, and natural risks that involve high expenditures increase the poverty. Services offered by the formal mechanisms provide more benefits at a lower cost than the services when compared to the services of the informal mechanisms, even though the risk factor reduces the effectiveness of the micro credit. Institution and the borrower are connected by a mechanism which is risk protection or insurance. Many of the micro financial institutions focus on the lender’s part of risk and ignore the risk from the borrower’s side. Improvements in this area will protect the risk of the borrower and alleviate poverty. (Mamun.M.Z). Aim of the study The aim of the present study is to investigate the relationship between micro insurance mechanism and sustainable poverty alleviation among the women of Kiberia of the country Kenya. The study also aims to find out whether there is any relationship between the vulnerability and risk management, and the capabilities of the micro financial institutions to manage the risk effectively. Objectives of the study: Overview of the micro insurance Analysis of the micro insurance practices in Kenya Analysis of the provisions of the different models of micro insurance. Analyze the   performance of the micro financial institutions as providers of micro insurance Investigate the socio-economic and psycho-social aspects of the risk To study the cultural and sociological values and attitudes. Research hypothesis of the study The present study focuses on the link between the micro insurance and poverty alleviation, in addition to focusing on such issues as the policies and regulations of the government of Kenya for insurance in general and micro insurance in particular. Hypothesis-1 Micro insurance and its role in the alleviation of poverty: Insurance designed for the people of low-income group and businesses that is characterized by low premiums and low coverage limits. As with the insurance, micro insurance also functions on the concept of risk pooling but by linking many smaller units to larger structures.   The concept of micro insurance enhances the functions of insurance as well as supports the structures for the improved governance. Similar to the general insurance, micro insurance covers a wide variety of risks that include health risk and the property risk. (Alexander S. Preker et.al, 2002). Thus the micro insurance protects the people of the low income group against certain risks for the payment of regular premiums. In addition to its coverage of expenses against health risks, it can also cover to certain hazards of the business. The main challenge associated with the micro insurance is it has to provide a comprehensive protection that is ideal that could be affordable at low premiums. A mixture of mechanisms will help poor people to manage the risks. The new products and services of micro insurance will definitely help poor people to recover the setbacks. Demand assessment in a right way will help to develop an effective design of the products and services of the micro insurance. Micro insurance is the key for the alleviation of poverty. Hypothesis-2 Filling the gap to provide the coverage for the excluded: Some reports on the market opportunities for the sustainable micro insurance products in Kenya, it was found that only a few mechanisms help to cover the losses. To recover the losses people borrow, rather than drawing the hard earned money from their savings. In the formal insurance mechanisms, the claiming process is burdensome for the people who are illiterate and linkage of the formal insurance to the credit increases the cost of premium. The micro insurance mechanisms are popular in that the terms associated with them are understandable, premium payment systems that are flexible, trust and timely pay outs. Poor people use a mixture of the tools to manage the risks as none of the existing strategies have the ability to provide 100% coverage. Micro insurance can play an important and potential role in filling these gaps. To make the mechanism sustainable and effective, there is a need for the providers of the micro insurance to understand the underlying challenges in the mechanism. It is important to Understand the range and effective of the risk, learning the advantages and disadvantages of these mechanisms in social obligations. Hypothesis-3 Transformation of the micro finance institutions to micro insurance- a new way to fight poverty: microfinance is the humanitarian activity for the welfare of the poor people, a small amount of unsecured loans, provided for the people for the income generation. The efficiency of the micro loan mechanism encouraged to bring this endeavor to a large scale. In many countries legislations were enacted to formalize the activities of this sector. However there are some draw backs associated with the micro finance institutions. (MFI). Lack of knowledge in designing the product is the draw back with MFI’s as these institutions have never attempted the risk calculation and designing matters related to insurance. There are no proper policies of the government that help in giving a scope for reinsurance and work commercially in a full fledged way. There is no specific method available with MFI that can handle the risks effectively, and the MFI’s do not adjust the premiums on par with inflation. The MFI’s perform tasks like sale of products, collection of the premium and pooling the risk. MFI’s are sustainable in their growth due to their good relations with the clients and they are high performers in terms of cash collection and sales of the product, consequently their product designing and risk pooling is very poor. MFI’s are innovators and practitioners and they have a rich experience and professionalism with poor. They have a better knowledge of adopting the strategies and policies to the target group. It has been shown that MFI does can respond the needs of clients for insurance. These institutions have recognized the fact that insurance has the role protecting the client as well as the institution. The MFI’s have an additional source of income that can improve sustainability. Hypothesis-4 Changing the policies of the insurance with the intervention of the government is a key to success: It is important to establish the concept of micro insurance as a market product and the MFI’s as providers of service. There are several avenues in this sector that require the intervention of the government. The government has to design its policies in such a way that it can assist the commercial insures and MFI’s in an agent partner model and design the schemes based on the strengths of the clients. The generic service business market, with the support of the vertical commodity based business service market by enabling an environment set by government regulations and policies that are relevant to the specific markets offered by the government is a key to the success. Hypothesis-5 Poverty in Kenya reflects challenges and complexities in dealing with the alleviation of poverty and making them sustainable: The women comprise around 50% in Kenya and comprise a vulnerable group that faces unique constraints. Most of the women combine domestic activities with the income generating activities and the lack of time dictates their choice of the enterprise. Most of the women that are involved in the small enterprises lack the investment capital. The other constraints include their illiteracy, lengthy beaurocratic procedures to acquire the license, lack of adequate housing, and the limited resources coupled with heavy family responsibilities. Remedial measures by the government and the institutions will not only increase the participation of women in the small micro enterprises but also improves the quality of the life of the household and the economy of the country as a hole. The intervention of the MFI’s with micro insurance designs will help to improve the poor women as well as the institution. Methodology My research studies comprises of quantitative and qualitative studies. Quantitative studies: Data collection is done mostly through direct observation and interviews. Most of my sources for the secondary analysis include books, articles, newspapers and internet. I choose the sources that are mostly of objective nature. I search for some models and methods to adopt them for my research to find out whether there is any correlation between the micro insurance and poverty alleviation. Qualitative study: Data collected from the interviews will enable me to do my qualitative studies in a realistic manner. I will interview the women from the low income group, personnel from banks government offices, financial institutions, insurance companies that are involved in the insurance related matters. These interviews will help me to gain a knowledge on the needs of the women of low income group, and their view on the operations of the institution of the micro insurance. Time to be spent on my research studies The first nine months will be spent to develop the proposal, methodology and literature review. During this time I will allocate my time also to attend the courses relevant to the subject and research methods as per the recommendations of the university. I will spend four to six weeks to obtain data from the interviews and statistical work. I will spend six months time in the slums of kibera for an intensive field work. Application With this proposal I feel I can apply for a research grant for my research studies. References Alexander S. Preker, Guy Carrin, David Dror, Melitta Jakab, William Hsiao, Dyna Arhin-Tenkorang (2002). â€Å"Effectiveness of community health financing in meeting the cost of illness†. Bulletin of the World Health Organisation 80 (2): 143–150. Geneva: WHO. Islam, Nazrul and Mamun, M. Z. (2006). Prospects of health Insurance Initiatives in Bangladesh: An Empirical Study, Proceedings of the Tenth Annual Conference of Asia-Pacific Risk and Insurance Association (APRIA), July 30- August 2, 2006, Meiji University, Tokyo, Japan. Islam, Nazrul and Mamun, M. Z. (2005). Factors for Not Buying Life Insurance Policies in a Developing Country: A Case of Bangladesh. Journal of Business Administration, Institute of Business Administration, University of Dhaka, Bangladesh, Vol. 31, No. 1 2, pp. 1-22, January April 2005. Ziaulhaq Mamun.M, Contribution of Micro-Insurance Augementing The poverty alleviation A Draft Paper Prepared for the 11th APRIA Conference at National Chengchi University, Taipei, Taiwan (July 25-28, 2007) How to cite Microinsurance, Essay examples