Math Anxiety and Math Self-Efficacy Essay Example for Free

Math Anxiety and Math Self-Efficacy Essay Objective: This is a descriptive-correlational study which investigated the relationship between math anxieties, math self-efficacies and math achievements of maritime college sophomores in Iloilo, Philippines. Method: This research was conducted at the three campuses of St. Therese- MTC Colleges, namely: Tigbauan, La Fiesta, and Magdalo Sites during the first semester of academic year 2004-2005. The participants of the study consisted of 316 maritime sophomores who were chosen using proportional random sampling. The data for this study were gathered using standardized questionnaires. For mathematics achievement, the mean of their grades in mathematics subjects taken in their first year were used. Basic descriptive statistics, one-way analysis of variance, t-test for independent samples, and Pearson-Product Moment correlation test were used to analyze data. Result: The study found out that the majority of the maritime sophomores belonged to the â€Å"terminal† case of math anxiety or was on the verge of becoming impatient, yet the majority had a high math self-efficacy level. Their math achievements, on the other hand, were generally poor. They differed significantly on their math achievement when grouped according to math anxiety and math self-efficacy. Finally, negative but significant relationship existed between math anxiety and math self-efficacy and math anxiety and math achievement while math self-efficacy and math achievement were positively and significantly related. In other words, those with low math anxiety had high math self-efficacy and consequently they performed better in math than those with high math anxiety and low math self-efficacy. Discussion: Results indicated that the higher math anxiety is the lower is math self-efficacy and math achievement. In the same manner, lower math anxiety results to high math self-efficacy which in turn results to high math achievement. This is consistent with studies done by previous researchers like Richardson and Suinn, (1972), and Suinn, et al, (1972) to name a few. Although three decades and cultural differences separated the studies, still similar results have been observed. This only implies that when it comes to factors related to math performance, time and culture have no bearing on the results. Conclusion: Generally, maritime college sophomores’ math achievements were poor. However, when they were grouped according to math anxiety and math self-efficacy, it showed that those with high self-efficacy had higher math achievement than those with low self-efficacy. Moreover, those with high math anxiety had lower math achievement compared to those with low math anxiety. The study suggests that math educators must look into building students’ confidence in mathematics to overcome their anxiety and thus, improve their overall performance in math.

The Sight Of Science :: essays research papers

The Sight of Science It is a truth universally acknowledged that he whose mind is ahead of his time and above that of his peers may not be understood by his fellow people and be subject to critisizm and persecution. Galilei Galileo, Francis Bacon, and Rene Descartes were among the first to break away from the conventional views of their times to find a place for science in a society and propose the way it should be practiced. All three authors agree on some points but differe markedly on others. Bacon insists on the importa nce of experimentation and relative uselessness of senses and experience, while Decartes thinks them imporatnt for understanding of nature. Galileo stresses the need for separation of science and religion, while Descartes deems the correctness of the method of scientific thought to be most important. Yet all three writers agree that natural science should be freed of the grip of theology and human ethics, what sets them apart from previous generations of scientists and thinkers. In his Discoveries, Bacon goes at great length to discuss the influence the prescientfic mode of thinking has had on generations of scientists, and tries to Descartes asserts that the mathematical method of examining the relationship between objects and expressing them in concise formulas, applied to the entire realm of knowledge, permits him to exercise his own reason to the best of his ability. Since nothing in philosophy is certain, it is evident that he must discover his own philosophical principles. Galileo's views on science and religion, as seen from his Letter to the Grand Dutchess Christina are very radical for his times. He suggests that physical sciences must be separated from theological studies because the goals of the two disicplines are totally different: theology is concerned with salvation of the soul, while the sciences are concerned with understanding of nature. He believes that the clergy apply faith where ther is none involved -- one cannot undersand nature just by quoting the Scripture because the nature, a fruit of God's infinite wisdom., defies the simple explanation men's feeble minds attempt to find in the Bible. To truly understand nature, one has apply the little of the reason that God has given to him and look "between the li nes" for the true meaning of the Bible. There are a number interpretations one can find because the Bible is often general and simplistic; Galileo suggests that the best way to find the true meaning is to disprove the false conclusions by finding contradicions in nature, as determined by accurate experiments rather than fervent meditation. It is a job of scientists to examine nature and it is

A story About Ghost and Vampires Essay

Life of Pi’ is a story that is mainly focused on the aspect of survival. Being trapped together with Richard Parker, a Royal Bengal tiger, Pi’s odds seem to have been pulverized to nothing. Yet as the story progresses, Richard Parker begins to give Pl hope and a reason to survive. Pi’s will to survive returns; If he can survive while living together with a Bengal Tiger, he can survive anything. Although seeming a huge threat to Pl at first, Richard Parker unintentionally takes on the role of ghost and rotects Pl against the vampires that he faces, glvlng him moral support, and thus the will to survive. At the beginning of the story In part two, Pl Immediately faces his first vampire: the hyena. Being trapped on a lifeboat together with an Injured zebra, an orangutan and a hyena, It quickly becomes evident to Pl who stands at the top of the food chain. It does not take long before this vampire starts to rejuvenate Itself by feasting on Pl’s companions. Right when the hyena has set its gaze on Pi, Richard Parker (the ghost) omes into play and kills Pi’s first vampire, unintentionally protecting Pi in the process. Though scared at first, Pi learns to deal with Richard Parker over time and eventually even becomes blessed with his presence. ‘It was Richard Parker who calmed me down. It is the irony of this story that the one who scared me witless to start with was the very same who brought me peace, purpose, I dare say even wholeness. ‘ – Chapter 57, page 204. Richard Parker proves to be Pi’s motivator again and again throughout the story, especially when Pi encounters his next vampire: the Pacific Ocean. The saying; the ocean gives and takes’, can be taken quite literarily in this book. The ocean has given Pi basic offerings, food and water mainly, but seeps the life force out of him simultaneously with its strong razor sharp winds, bone crushing waves, and scorching sun. The ocean tries to break Pi’s spirit several times. For example when Pi spots a cargo ship, resulting in the slightest of hopes only to have it all taken away again as the ship passes and does not notice him. Richard Parker is yet again the one thing that keeps Pi going by merely being there and giving Pi moral support In the arkest of times. â€Å"l love you! † The words burst out pure and unfettered, infinite. The feeling fluttered my chest. â€Å"Truly I do. I love you Richard Parker. If I didnt have you now, I dont know what I would do. I don’t think I would make It. No, I wouldnt. I would die of hopelessness. Don’t give up, Richard Parker, dont give up. I’ll get you to land, I promise, I promise! † – Chapter 86, Page 294. Even though Richard Parker does not know It, he yet again serves as a tremendous motivator to Pl. Last but not least Pl meets his last vampire in Its purest form: the algae Island. Pl becomes enchanted with the Island and It almost seems Ilke he falls under some sort of spell or glamour, luring him Inside with Its delicious edible algae and fresh drinking water. Pl decides to spend his nights on the Island Instead of the boat, yet Is scared that Richard Parker might attack him in his sleep. He therefore decides to sleep In the trees and makes the gruesome discovery that the island feeds on its inhabitants at night.

Effects Of Slavery - Free Essay Example

Sample details Pages: 4 Words: 1117 Downloads: 4 Date added: 2019/05/16 Category Society Essay Level High school Topics: Slavery Essay Did you like this example? Slavery is an enormous obstruction of human rights, yet it is an very large industry that still exists today without the knowledge of many people. Slave owners and traffickers have many techniques in order to hide and run their business. Slavery has many vigorous effects on both the victim and the slave owner including dehumanization, physiological and physical trauma, and excessive amounts of power and superiority. One effect of slavery is dehumanization of an individual under bandage. Slavery dehumanizes one in various ways, making them less than or insignificant. Human trafficking is a modern form of slavery and it is very common today for traffickers to buy and sell women as objects. Some forced labors includes labor or services that are performed or provided by a person and are obtained or maintained through force, fraud, or coercion, or equivalent conduct that would reasonably overbear the will of the person (Harris 16).This shows that an owner has complete control over a slave including the power over their life or death. When one is subject to abuse and confined to their workplace their emotions of the victim are eliminated and irrelevant to the owner, making them vulnerable and easy to use and manipulate. In the Narrative of the Life of Frederick Douglass, Douglass describes how their food was set down upon the ground [and the] children were called, like so many pigs, and like so many p igs they would come and Don’t waste time! Our writers will create an original "Effects Of Slavery" essay for you Create order Rivera 2 devour the mush (Douglass 23-24). This quote is very horrific because it shows how they are treated as though they are animals. Even Douglass refers to himself and all of the other slaves as pigs. He also mentions how they live in terrible living conditions, as they slept on the floor, and were hardly given any clothes or blankets. A slaveholder often times treats a slave as not only their property, but wild animals as well. Slaves are generally branded as items and are subject   to very harsh whippings or beatings and are made a mockery of. Violence is a popular form of punishment in slavery. In Django Unchained, it shows how Django and his wife are brutally branded with the letter r, for runaway, on their cheeks, after they try escaping. Djangos wife was then brutally beaten as he was forced to watch her suffer in pain. Violence and markings are large ways to strip one of their identity, thus causing dehumanization of a slave and making humans into brutes or beasts. It is a large outcome of slavery that remains little-known. Another effect of slavery is psychological and physical trauma. Slaves and human traffickers are isolated, given a false sense of superiority, and are unaware of the situation they are in due to lack of literacy. Psychological trauma includes feelings such as, fear, anger, and hopelessness. In Django Unchained, Django reveals all of the anger that the experience of slavery had built in him when he goes back to the plantation as a free man and kills his former slave owners.   This shows that slavery is a monstruos infection of cruelty and that the violence involved can destroy a victims sense of morals and emotions. Psychological trauma of a slave can even cause a slave to accept their situation. Douglass describes that in order for a slave to be content, He must be able to detect no inconsistencies in slavery; he must be made to feel that slavery is right; and he can be brought to that only when he ceases to be a man (Douglass 85). Rivera 3 Douglass focuses attention on the fact that slaves are mislead into accepting their situation. Since no sane person would accept these horrific conditions, it is a slave owners goal to destroy the minds of slaves. An owners techniques to making sure this is possible are to simply keep the slave an illiterate and by using of threats and violence. Aside from violence being a form of physical trauma, many slaves also suffer from infections such as STDs or are pulled into   substance abuse. In The fight against sex slavery, Sunitha Krishnan talks about three different toddlers who were sold into slavery and were raped multiple times and by multiple men. She goes on to tell how all three of these children died soon after due to sexually transmitted diseases. Later, she talks about other victims who also died from substance abuse. Krishnan makes it very clear that the effects of slavery are very consequential and lead to many deaths everyday and that these real-life traumas cann ot go unnoticed. The effect of slavery also impacts the slave owner by giving them superiority and power. In the world we live in, it is socially important for one to assert their dominance and masculinity, and slavery allows the owner to do so. Slave owners profit income, control, and labor from human trafficking. Owners continue to maintain their role in slavery as long as the rewards are high and the risks are low (Harris 20). Money is a big way to show power and since people can be hidden more easily, slave owners are able to make a lot of money in the human trafficking industry. Sunitha Krishnan mentions that slavery is a 10 billion dollar industry in modern day slavery. Slavery is a violation of human rights yet slave owners continue recruiting trafficking victims due to their motivation for money. Now, human trafficking and slavery is the third largest organized crime, effecting the rest of the world as well. There are several occasions in Douglass.   Rivera 4 narrative of save owners killing their slaves. One incident was when Mr. Gore, without consultation or deliberation with any one, not even giving Demby an additional call, raised his musket to his face, taking deadly aim at his standing victim, and in an instant poor Demby was no more (Douglass 20). He goes on to tell how everyone in the plantation was horrified, but Mr. Gore still seemed cool and collected. This not only shows excessive abuse of power, but also   that slave owners become numb to all their emotion more than the slaves do. When one is able to gain large profits and abuse their powers to the extent of killing people without penalty, they, along with the slaves, start thinking that what they are doing is right, and backing up their position with the bible. Slavery is a global market that affects many people today, however many people are unaware of the atrocities it causes. It is important to bring awareness to modern day slavery in order to bring an end to it. It is already the third largest industry, but if we keep letting it grow, who knows what could happen to the next generations.

Does Polymer Clay Go Bad

If it is stored correctly, polymer clay lasts indefinitely (a decade or longer). However, it can dry out and its possible to ruin it under certain conditions. Before talking about how to tell whether your clay is beyond help and how you may be able to save it, its helpful to know what polymer clay is. What Is Polymer Clay Made Of? Polymer clay is a type of man-made clay that is popular for making jewelry, models, and other crafts. There are many brands of polymer clay, such as Fimo, Sculpey, Kato, and Cernit, but all brands are PVC or polyvinyl chloride  resin in a phthalate plasticizer base. The clay does not dry out in the air but requires heat to set it. How Polymer Clay Goes Bad Unopened polymer clay wont go bad if it is stored in a cool location. The same is true for opened packages of polymer clay that are stored in sealed plastic containers. However, if the clay spends significant time in a hot place (around 100 F) for an extended length of time, it will cure. If the clay hardens, theres nothing to be done. You cant fix the problem, but you can prevent it. Keep your clay out of the attic or garage or anywhere it could get cooked! As it ages, its natural for the liquid medium to leach out of polymer clay. If the container is sealed, you can work the clay to soften it back up. If the package had any sort of hole, the liquid may have escaped. This clay may be dry and crumbly and too hard to work. But, if its not hardened from heat, its easy to renew the dried out clay. How to Fix Dried out Polymer Clay All you need to do is work a few drops of mineral oil into the clay. Pure mineral oil is best, but baby oil works fine, too. Although I have not tried it, lecithin also is reported to revive dried polymer clay. Working the oil into the clay may take some time and muscle. You can put the clay and oil in a container for a few hours to give the oil time to penetrate. Condition the polymer clay as you would fresh clay. If you get too much oil and want to stiffen the polymer clay, use cardboard or paper to absorb excess oil. This tip works for fresh polymer clay, too. Either allow the clay to rest in a paper bag or sandwiched between two pieces of cardboard. The paper will wick away the oil.

The Role Of Women In Sports - 1541 Words

Women have always been the minority in the world even today: that is in the work force or even in sports. Title IX, an act that was made by the United States Congress in 1972, said that no one should be denied to play, receive financial aid, or discriminate to any education program or activity that pertains to only one sex (Senne 1). This act was a step towards improving female participation and lessening discrimination, but the stereotypes that most of society believes in still exist. This is one of the main reasons why women are discriminated when it comes to sports; by limited payroll, limited media coverage, and stereotypes. One of the issues that stand in women’s way is the limited payroll they get for competing professionally or†¦show more content†¦Similarly women are receiving less attention and media coverage than men. When someone puts on the television and turns on a sports game, it is most likely going to be a men’s sport. Even when females get their coverage, the commentators are usually talking about their body rather than their skill. In an article, â€Å"Examination of Gender Equality and Female Participation in Sport† by Joshua A. Senne, he talks about how women are referred by their appearance rather than their skill. During a study about the media, the commentators mostly talked about the women’s hair, make-up, and body figure, rather than their ability. This also occurred after the 1996 summer Olympics, where there was a lack of promotion for female athletes and the marketing of women’s sports. These athletes were also only recognized by their p hysical appearance instead of their ability. The tone of these broadcasters was proved in a study that men s events were the standard in the society rather than the women’s. They would list the event as â€Å"other† rather than saying it is a women’s sport. In the study that was conducted, it states that the gender marketing showed that the woman sports were marked as â€Å"other† on an average of 27.5 times, but it s never happened in the men’s sporting events (Senne). There is still coverage of women s sports, but it rarely covered. The title IX project made a pie chart about the comparison of men’s and women’s sports media coverage on the show SportsCenter onShow MoreRelatedRole Of Women On The Sports Network1768 Words   |  8 Pagesunique. This directed me towards women, the difference of women on commercials in the sport network channels rather than feminine networks. I got this assumption from past experience; my mom is an avi d food and HGTV network watcher, while I’m an avid watcher of ESPN. Specific questions were asked to create a foundation that correctly fit the direction intended for the project and its conclusions. In conclusion to the commercial experiment I found that the majority of women on the networks like ESPN haveRead MoreEssay Extreme Roles of Women in Sports1121 Words   |  5 PagesExtreme Roles of Women in Sports Sports are so prevalent and popular these days that we often see them as symbolic of real-life issues and real-life drama. The football field can illustrate the battle between good and evil. The baseball pitcher, nearing retirement, can come back to give one last game and wow the crown one last time before gracefully surrendering the field. Isnt that what sports represent? The good guys (i.e. your baseball team) go to battle against the bad guys. Its not quiteRead MoreThe Role Of Sports For Athletes And Women Athletes1500 Words   |  6 Pagesdominance over their sport competitors by, for instance, buying their best athletes from the dominated countries and sometimes offering those athletes citizenship. There are instances when international corporate entities sponsor and own clubs in other countries, make all management decisions, and secure profits which they return to their home countries thereby leaving host countries further impoverished (Nauright 2012:54).The above global patt ern has not favored most womens’ national and local teamsRead MoreShould Sports Initiatives Be A Great Way? Empower Females?1739 Words   |  7 Pageswhether ‘sports initiatives are a great way to empower females’. Gender is ‘the assignment of masculine and feminine characteristics to bodies in cultural contexts. It is a socially constructed category that involves roles, expectations, and responsibilities that are not biologically determined’ (Grewal Kaplan, 2006). This definition shows us that it is not just physical things that define what gender is but also what roles there are. It is important as one of the big issues in sport in genderRead MoreWomen During The 1950 S1454 Words   |  6 Pagesthe â€Å"Baby Boom† was under way, and women in sports play a very uneven role. In the 1950’s men really preferred the masculine role, they wanted to be the man of the house and with that, the best athlete. It was happening all around the world in the 1950’s, men wanted to show the ladies who really was in charge, and as a result woman in sports were not fairly treated. How are women treated in regard to sports and what stereotypes are shown and what role do these women play in the 1950’s? During the 1950’sRead MoreThe Controversy Of Female Sports806 Words   |  4 PagesIn todays sports, we recognize women as equals to men but it is much harder for women to become recognized due to fans being blinded by the stardom of only male oriented sports. This essay is about the issue of whether women should expose their bodies in revealing calendars. First it is shown that women receive less recognition then males in sports. Secondly in order for women to even participate in sports they need to raise much-needed money to sponsor their participation in competitions. ThereforeRead More Women and Sports Essay912 Words   |  4 PagesWomen and Sports As it becomes increasingly acceptable for women to be athletic in American culture, a new question arises: in which sports should women be allowed to participate? From a physiological standpoint, it has been scientifically proven that female bodies do not differ significantly enough from male bodies to prevent them from participation in any male sports. This division between male and female sports clearly stems from age-old, socially constructed norms of femininity and masculinityRead MoreImpact Of Gender Discrimination On Sports1446 Words   |  6 PagesGENDER DISCRIMINATION IN SPORTS Brooke Lynn Paige Smith Oklahoma State University-Stillwater December 5, 2014 For decades discrimination in sports has been a big issue, especially gender discrimination. Women have been down graded and stereotyped as weak in athletics because men are generally the more entertaining to watch because of their physicality and they seem more determined and motivated to achieve in their sport, but what people should realize is women are just as athletic as menRead MoreEssay on Gender Barriers in Athletics1138 Words   |  5 Pagesfemale) entering a non-traditional sport for their gender/sex (eg women who enter body building, power lifting, boxing; men who enter synchronized swimming or field hockey)? Throughout history it is clear that not only women, but both genders have faced seemingly insurmountable barriers when attempting to break into a sport that is not proper or stereotypical for their gender to participate in. Though as a society we are making strides towards equality in sport, such as the advent of Title IX,Read MoreEssay about Our Biased Culture is Hindering Women in Sports967 Words   |  4 PagesCulture is Hindering Women in Sports Only recently have women been able to compete in a very public way, with established leagues, payrolls and plenty of endorsement opportunities. Title IX has allowed teams of girls for almost every sport as well as better opportunities for sports scholarships to college and many other privileges only given to boys for their talents in sports. Under all these legal provisions and establishments for the encouragement of women in sports, women should now really

Loan Manipulation

Question: Discuss about the Loan Manipulation. Answer: Loan manipulation Manipulation is the process of deflating or inflating the prices of given securities artificially. Loan manipulation is thereby defined as the act of the loan value and its interest to suit the banks need. Manipulation is in many cases illegal (Abu Dhabi Commercial Bank, 2000). It is mostly done by the small banks or lenders due to their ability not to be closely watched and low visibility in the market. How loans are calculated in Islamic Dubai Bank The Holy Qur'an prohibits setting interest on the money loan. It is critical to recognize certain fundamental principles of Islamic banking on which Islamic finance is based. The Shar'ah is based on Quranic commandments as established in the Quran and in the terms and works of the Prophet Muhammad (pbuh).Islamic Dubai Bank management outlaws the riba and there is consensus among economists who profess Islamic faith that the riba is not limited to usury which also includes interests. The Holy book Quran is clear about the banning of riba, which is sometime termed as undue interest: "Believers: fear God and renounce the unpaid proceeds of usury, if you are believers" (Sacred Qur'an, 2 : 278). Any default payment above the actual principal amount is prohibited. Dubai Islamic Bank allows only one kind of loan, and this is known as qard-al-hsan (literally, good loan) in which the bank charges no interest on the borrowed money. Traditional Muslim jurisconsults have built this principle so strictly that any indirect benefits are also prohibited. Loan manipulations history and effects United Arab Emirates financial institutions like Dubai Islamic Bank are facing a new wave of demands that could leave in an anecdote the legal battle waged during the last years by the clauses soil in the interest rates of the mortgage loans. More than a hundred citizens have initiated legal proceedings with several law firms to sue Dubai banks for the effect that would have had the manipulation of the loan processes - reference to which most of the mortgages in our country are linked - in the cost of its mortgages, explained to, lawyer who in 2011 prompted an investigation to determine if the indicator was being calculated according to bank and financial institutions legislation(Abu Dhabi in the UAE, n.d.).More than a hundred citizens have taken legal action against the bank for manipulating the loan processes and interest. Many of the attorneys have succeeded in confirming for the first time that the manipulation of the index affects individuals and companies. Door to interest rebates, which have been mproperly collected according to (Alhosani, n.d.). The ruling, however, does not set the amount of compensation, which has been appealed earlier this month by Dubai Banks, which inherited the mortgage loan from Barclays, after the acquisition of many retail business, and by the Own applicant. It requires the annulment or substitution of 0% of the variable interest portion of the loan, "as a result of an abusive practice (manipulation) and because it is impossible to determine what was the correct data, if extracted from the operation of a Real market, not based on simple estimates of banks (Bayraktar Wang, 2006).In Dubai, 4 million mortgages were signed between 2005 and 2008, a period in which manipulation has been proven Beyond the aforementioned lawsuit, in 2015 and 2016, justice has dismissed four similar lawsuits against several banks in united arab emirates for loan manipulation including the Dubai Islamic bank. They have been appealed by the applicants.Currently, more than 20 lawsuits have been lodged for abusive practices involving the manipulation of the loan processes in real terms (Brixi, Lust, Woolcock, 2015). Euribor is a daily index that indicates the average interest rate at which banks lend money to the interbank market. It is calculated by crossing the data of the main entities operating in the country and internationally owned companies, which do not include popular rates given. This implies that if the claims against the medium-sized banks thrived, they could claim the big bank to assume its responsibility(Bayraktar Wang, 2006). To date, the United Arab Emirates has fined eight financial institutions for manipulating the index between September 2005 and May 2008. In these four years, more than four million mortgages were signed in united Arab emirates, most linked to the evolution of the Dubai points out that any person affected is entitled to sue (Brixi, Lust, Woolcock, 2015). According to estimates of the bank manipulation, platform driven to inform the mortgaged on how to initiate legal action, if taken as a reference, exclusively to the rates given. If, as advocated by the lawyer, the loan interest is suppressed during the life of the loan, the owner of the house should receive between 50,000 and 60,000 (Faculty Loan Repayment Program, 2002). The institution said in a statement the difficulty of quantifying the volume of profits obtained by banks for this practice, as well as the economic damage of individuals and companies with loans linked to this index. In 2013, being part of a cartel agreed to modify the Euribor. An agreement was reached with the top five banks, who paid 825 million. In total, the bank has had to face 1.310 million for this malpractice(Hull, 2015). The Commission acknowledged in the note in which it issued the latest fine that any person or company affected by this type of anticompetitive behavior is entitled to bring the corresponding complaint to the courts of any Member State to compensate for possible damages. Data collection and methodology There are cases where programs for collecting data on banks cannot be implemented on a regular basis due to operational limitations. Under these circumstances, different alternative approaches can be taken to assess loans (Garci?aMarti?nez, Santos, Toure?, Flores, n.d.). Data Sources Capture: at the level at which loans are manipulated. Market: any situation in which loan is transferred commercially. It may include the fish auction at the port, the product transaction (secondary market) between distributors, processing plants and the consumer market (Low, 2002). Consumers: level at which products are finally consumed. More than a hundred citizens have initiated legal proceedings with several law firms to sue Dubai banks for the effect that would have had the manipulation of the loan processes - reference to which most of the mortgages in our country are linked - in the cost of its mortgages, explained to, lawyer who in 2011 prompted an investigation to determine if the indicator was being calculated according to bank and financial institutions legislation (Salinger, n.d.). The problem of fiscal planning - in which the design of the transfer pricing policy is framed - is that its objective is to create artificially elaborated products that aim at tax evasion and avoidance, providing a tax haven to taxpayers, and Thus achieving the minimization of the tax through the manipulation of their business activities. The collection of data for management purposes should be done with sufficient frequency. For example, data for population monitoring should be collected constantly, while household data can be collected at much longer intervals. These mechanisms completely distort the economic motivations, to the point that ends up paying, not so much to who produces each thing, or to the value added by each entity of the group - something difficult to calculate when prices have suffered distortions -, but to the company of the group Which registers assets, functions and risks in its name (Terterov, 2006). Questionnares on loan manupilation in Dubai( UAE) What type of a loan is this? Long term or short term Interest free of marginal interest How is the loan process beneficial to the loanee? Do you yhink there is loan manipulation on the loan facility given? How long does it take to repay the loan and would you be willing to reduce the duration or increase it? Does Islamic banking benefit you with its facilities? What are the benefits of the loan? Does the bank in question benefit from this loan facility? Who should reign in on loan manupilators? Central banks of Dubai? or The court systems? What is the maximum or minimum punishment on loan manipulators? Is it prudent to manipulate a loan facility for the benefit of the loanee? As a consequence, multinational groups are able to pay a lower effective rate than other firms in the same sector pay. Also, economic groups that exploit public concessions may also be using these mechanisms. Although the manipulation of transfer prices usually has as its main purpose fiscal avoidance; It also has implications for the diversion of profits and illicit financial flows to other jurisdictions, as it is possible to transfer assets abroad as if they were part of normal business activities, sometimes circumventing exchange restrictions through legal mechanisms that Make possible the payments abroad in the form of remuneration for intra-group transactions(Terterov, 2006). Therefore, the use of these mechanisms not only ends up increasing inequalities in countries like United Arab Emirates, but also between developed and developing countries in general. For these reasons, in this work we will make a brief review of the normative and conceptual framework linked to transfer prices; A presentation of the problems involved in the valuation of intra-group transactions in the current regulatory framework; And a schematization of transfer pricing structures used for tax evasion and avoidance and profit diversion. Normative and Conceptual Framework The question of the valuation of intra-group transactions was already worrying the members of the United Arab Emirates business league. From this, in 1943 the first rule to solve cases of transfer prices, which exclusively affected commodity issues, arose, and remained more or less standing until the year 2003. According to estimates of the bank manipulation, platform driven to inform the mortgaged on how to initiate legal action, if taken as a reference, exclusively to the rates given. If, as advocated by the lawyer, the loan interest is suppressed during the life of the loan, the owner of the house should receive between 50,000 and 60,000. The institution said in a statement the difficulty of quantifying the volume of profits obtained by banks for this practice, as well as the economic damage of individuals and companies with loans linked to this index. In a research study, the validity of the results depends, among other aspects, on the quality of the data collected. This in turn depends onA good definition of the variables, as well as their measurement scales. k Sources of information and measuring instruments. The sources of information must be reliable and complete, so that, although it will be more expensive and require more effort, we must collect whenever we can the data directly (primary data), although sometimes we will not be more remedied or more profitable, Even at the risk of possible bias, than using secondary data sources. As for the instruments of measurement, we must use known instruments that are known to generate valid and reliable (precise) measures. If information is collected through questionnaires, it is necessary to take measures to obtain good statements, order of questions, etc. Whenever possible, use previously validated questionnaires. Whether the validation of a questionnaire constitutes a research proje ct of enormous complexity: validation of the construct, content and criteria (The SBA's loan management and accounting system, n.d.). We will also have to define the quality control systems that will be performed, before, during and after the data collection. To emphasize the importance of this aspect, often forgotten or considered secondary, has been coined a term like GIGO, initials of Garbage In, Garbage Out, to refer to the fact that if the computer is put trash , Do not expect the results of any analysis, however sophisticated, to be anything but rubbish. The protocol of the research project should include: List of variables Operational definition of the variables and their measurement scales. Source of data and Ways to Collect Data Data will be from gotten fromInstruments of measurement, calibration, sensitivity, specificity, precision, etc.Description of the field work of collection of data, instruction of the people who collect them, how to ensure the homogeneity of data collection, etc. Description of the methods we will use to ensure the quality of the data: before, during and after.The size of a population is given by the number of elements that compose it. Unit of analysis: this is the object for which information is sought. Many times we refer to units of analysis with the name of elements. In statistics, an element or unit of analysis may be something with real existence, such as a car or house, or something more abstract like temperature or a time interval. Given this definition, population can be redefined as the set of units of analysis. Sample: is a subset of units of analysis of a given population, intended to provide information about the population. For this subset of units of analysis to be of statistical utility, certain requirements must meet in the selection of the elements. The choice among the many methods of collecting data on this area depends on the variables to be measured, the source and the resources available. In many cases, there is a natural way of collecting concrete variables. There are cases where programs for collecting data on the industry can not be implemented on a regular basis due to operational limitations. Links between Variables, Sources and Methods The links between variables, sources and methods are collected in three tables. These tables are intended to provide guidance in selecting methods and sources of collection and designing a data collection system. The tables also provide some insight into what types of data can be collected simultaneously from the same source using the same method. methods for summarizing measured or observed data. When it comes to qualitative variables where the categories are determined, the only thing to do is to count the number of cases belonging to each category and normalize in relation to the total number of cases, calculating a proportion, a percentage or a ratio. However, when it comes to quantitative variables, the summary of the data consists of organizing tables that synthesize the original data and are called frequency distributions.Frequency: is the number of times that each value of the variable is presented(Bayraktar Wang, 2006). 1.The researcher may have less control of the session, compared to the one he would have with a single interviewee. It needs to stimulate the conversation process in all the participants and that they hear each other, a task that is not easy. 2. The data obtained are difficult to analyze. The results have to be interpreted within the context in which they occur. Sometimes participants often modify their individual postures after interacting with others. 3. The technique requires carefully trained interviewers. 4. Groups can vary considerably. Each focus group may have unique characteristics; Some may become apathetic, other stimulants, others show resistance, etc. To avoid as much as possible, it is recommended that participants be selected with a diversity of experience and personal characteristics. Questions have to be stimulating for people to respond. They agree on semi-open questions, because without suggesting answers, the interviewer retains the purpose of the focus group. So me examples are: What do you think about ? How did they feel before ? What do you suggest to improve ?; When the environment is emotionally charged and the search for information can generate or intensify conflicts 2. When the researcher has no group control or has lost it over the group 3. When statistical projections are needed 4. When other methodologies can produce higher quality of information. loan Manipulation Graph in Commercial Banks in Dubai An everyday issue that tends to be problematic for many is the proper handling of bank accounts. To handle them intelligently is not required to be an expert in finance, but simply pay attention to all the basics. Here are a few steps that can help you manage your accounts in the best way possible. To apply these tips with the greatest effectiveness, you can buy a notebook in which these data are noted and always kept close at hand. recommendations and conclusion Know the accounts. The first thing to do is to know how many accounts we have, what banks they are, what kind they are (credit, debit, checking account, savings, investment, etc.) and how much money we have in them. At this point it is convenient to review the contract for each of the accounts. It specifies the conditions of the services and clauses that indicate what is entitled, and what is required. Review the statements(Brixi, Lust, Woolcock, 2015). Whether you receive your printed statement or you check it via the inte rnet, it is essential to be aware of the operations and write down and keep receipts of what we spend or pay. If you have access to your online statement, we recommend checking it more than once a month, to better control your expenses. If we do this, we will know exactly what we are paying for and there will be no surprises. Be cautious. Security is one of the fundamental points in the good management of bank accounts. Customers must take good care of their passwords, do not share them or carry them with you in the wallet or purse. When you make a payment do not lose sight of your card and try to keep them well to avoid misplacement. Using Internet banking. At present, banks offer a lot of online services for their account-holders. You can perform operations such as "balance inquiry", "cash transfer", "statement of account" and miscellaneous payments. Take advantage of these services, they will help you to make transactions easier and more efficiently. Once we know our accounts well and know what they offer us and what they ask for in return, we can have a bigger picture that will allow us to know if they are convenient or not(Brixi, Lust, Woolcock, 2015). We will know how well we are tapping our resources and where our money is.At this point it is advisable to have a savings account with liquid funds available for any eventuality, as well as (if possible) an investment account that allows us to mobilize the assets and make them grow.Having everything in order we will understand better the operations month by month and in case of a wrong charge, we will be easier to detect it to make the opportune clarification. References Abu Dhabi Commercial Bank. (2000) (1st ed.). Abu Dhabi in the UAE (1st ed.). Alhosani, W. Anti-money laundering (1st ed.). Asia Dept, I. (2013).United Arab Emirates (1st ed.). Washington: International Monetary Fund. Bayraktar, N. Wang, Y. (2006).Banking sector openness and economic growth (1st ed.). [Washington, D.C.]: World Bank, World Bank Institute, Poverty Reduction and Economic Management Division. Brixi, H., Lust, E., Woolcock, M. (2015).Trust, voice, and incentives (1st ed.). Washington, DC: World Bank Group. Dept, I. (2016). United Arab Emirates (1st ed.). Washington, D.C.: International Monetary Fund. Dept, I. (2016). United Arab Emirates (1st ed.). Washington, D.C.: International Monetary Fund. Faculty Loan Repayment Program. (2002) (1st ed.). [Washington, D.C.]. Garci?aMarti?nez, P., Santos, A., Toure?, A., Flores, J. United Arab Emirates (1st ed.). Huang, H. Xu, C. Financial institutions, financial contagion, and financial crises (1st ed.). Hull, J. (2015). Risk management and financial institutions (1st ed.). Hoboken: Wiley. Jasim, M. (2000).Role of Small and Medium Sized Enterprises (SMEs) in Developing the National Economy UAE Experience \ Economic Horizons .- 2013, Vol 33, No. 124, pp. 9-36 (1st ed.). Abu Dhabi: The Federation of U.A.E. Chambers of Commerce and Industry. Low, K. (2002). Coping with identified budgetary time constraints (1st ed.). McNett, J. (2005). The Blackwell encyclopedia of management (1st ed.). Malden, Mass.: Blackwell Pub. Salinger, L. Encyclopedia of white-collar and corporate crime (1st ed.). Schiantarelli, F., Stacchini, M., Strahan, P. Bank quality, judicial efficiency and borrower runs (1st ed.). Terterov, M. (2006).Doing business with the United Arab Emirates (1st ed.). London: GMB. Terterov, M. (2006).Doing Business with the United Arab Emirates (1st ed.). London: Blue Ibex Ltd. The SBA's loan management and accounting system (1st ed.).