Wednesday, October 9, 2019

Analysis Of The Medical Marketplace Health And Social Care Essay

My female parent ‘s experience with the medical market place in Nigeria is non unlike the experiences of immature female parents and so many others. In 1987, my female parent gave birth to my oldest brother at the University of Calabar Teaching Hospital. She had been populating in Nigeria for her full life and had late married my male parent a few old ages before. Although my brother was a comparatively healthy babe, he suffered from terrible asthma onslaughts. At the clip, the interventions of asthma onslaughts were unwritten bronchodilators because inhalators were non readily available to be purchased in Nigeria. The customary process for antagonizing reoccurring asthma onslaughts was for one to see their physician, who would order one an unwritten bronchodilator that one could so buy from their local pharmaceutics. So my female parent took my brother to our local baby doctor who examined him and prescribed the unwritten bronchodilator, aminophylline. ( Harmonizing to the NIH , aminophylline is used to forestall and handle wheezing, shortness of breath, and trouble external respiration caused by asthma, chronic bronchitis, emphysema, and other lung diseases. It relaxes and opens air transitions in the lungs, doing it easier to take a breath ) . She so went to our local pharmaceutics to buy the aminophylline with the trade name name Franol. As a pediatrician-in-training, my Dad vehemently agreed with this determination and was the primary force in forcing the visit to the physician. He remembered that there were non many other merchandises on the Nigerian market that would be effectual. My female parent gave him one pill instantly and took him place to rest. Weeks subsequently my ma, a physician-in-training herself, was reading a local medical diary when she came to an article about forgery Franol. The article stated that there was imitative Franol on the market that was being distributed to all the pharmaceuticss in the state. Could I hold given my boy bogus medicine † , my female parent idea. This was in fact the instance. Even though the Franol had the exact same pill signifier and was the exact same medicine that had been successful in so many other instances, the Franol she had given to her boy was forgery. She was devastated: â€Å" I merely could n't believe it † . Unfortunately, this was non her lone experience with imitative medicine ; anti-malarial forgeries were besides common in Nigeria. This occurred in the late eightiess as was mentioned before. One would hold expected that things have gotten much better. Unfortunately, non much had changed when my pa visited earlier this twelvemonth. In fact, as my male parent provinces, some facets have become even more inferior: â€Å" some things are worse as doctors now openly divert patients to their private clinics, something that was barely seen during my clip at that place † . So the basic inquiry that most would inquire is: why has at that place been so small alteration in the efficaciousness of the medical market place? Why can the Nigerian medical market place non germinate to go like that of the United States or others that are smartly regulated? The inquiry is more sophisticated answer than one would anticipate In fact, these inquiries can merely be answered by analysing another inquiry and the cardinal issue of my treatment: how and why does the efficaciousness of the Nigerian medical market place differ from the American system? To be clear, when I mention medical market place, I am specifically mentioning to the buying, merchandising, and efficaciousness of pharmaceuticals and equipment as they are distributed and wheedled in the community to ordain good wellness. Before I delve more profoundly into the issue, it is necessary to set the treatment into context with a elaborate description of Nigeria ( in contrast with the U.S. ) including critical statistics and wellness attention systems, among other things. With a late counted population of more than 144 million people, Nigeria is the most thickly settled state in Africa. Compare this to somewhat more than 300 million in the United States. Located in West Africa, it is somewhat more than twice the size of California and boundary lines the Gulf of Guinea, between Benin and Cameroon. Life anticipation is 44 old ages and 45 per centum of the population is under 15 old ages of age ( Chankova et al. , 1 ) , while life anticipation in the U.S. is about 70 old ages of age. The under-five mortality rate per 1,000 unrecorded births is 201 while the maternal mortality rate is estimate at 800 per 100,000 unrecorded births ( 1 ) . Among the major subscribers to the disease load of the state are malaria, TB, and HIV/AIDS. There are great disparities in wellness position and equity of wellness attention among different population groups in Nigeria. For illustration â€Å" the under-five mortality rate in rural countries is estimated at 243 per 1,000 unrecorded births, compared to 153 per 1,000 in urban countries. While 59 per centum of adult females in urban countries deliver with a physician, nurse, or mid married woman, merely 26 per centum of adult females in rural countries do so † ( 1 ) . Harmonizing to the World Health Organization, the entire outgo on wellness in Nigeria as per centum of GDP is equal to 4.1, about four times less than that of the United State at 15.5 per centum. The national wellness attention policies, schemes, and guidelines have been mostly related to turn to the wellness jobs related to malaria, TB, and HIV/AIDS. â€Å" A five-year strategic program for RBM was developed with chief aims to cut down the morbidity and mortality of malaria by 25 per centum by the terminal of 2005, peculiarly among pregnant adult females ; and to cut down malaria instance human death by 10 per centum in pregnant adult females and kids by the terminal of 2005 † ( 2 ) . However, these attempts have mostly been uneffective because of corruptness and inefficiency. The wellness service proviso in Nigeria includes a broad scope of suppliers in both the populace and private sector, such as public installations, every bit good as community based and religions based organisations. Nigeria is a federation with three grades of authorities: federal, province, and local. Responsibility for wellness service to the populace is based on this organisation. Each degree has a primary function in this wellness duty, which is non unlike that of the U.S. The first degree of attention is local. Facilities at this degree organize the entry point of the community into the wellness attention system. â€Å" They include wellness centres and clinics, dispensaries, and wellness stations, supplying general preventative, healing, and pre-referral attention. Primary installations are typically staffed by nurses, community wellness officers, community wellness extension workers, and environmental wellness officers. Local Government Areas are mandated by the fundamental law to finance and manage primary wellness attention † ( 2 ) . The following degree is province, including secondary attention installations. Secondary attention installations include â€Å" general infirmaries, supplying general medical and research lab services, every bit good as specialized wellness services, such as surgery, paediatricss, OBs and gynaecology. General infirmaries are typically staffed by doctors, nurses, accoucheuses, research lab and pharmaceutics spe cializers, and community wellness officers. Secondary degree installations serve as referral points for primary wellness attention installations. Each territory or zone is expected to hold at least one secondary degree wellness installation † ( 2 ) . The largest degree of attention is federal or third. The third degree installations form the highest degree of wellness attention in the state and include specializer and instruction infirmaries and federal medical centres. They treat patients referred from the primary and secondary degree and have particular expertness and â€Å" fully fledged technological capacity that enables them to function as referral centres and resource centres for cognition coevals and diffusion. Each province has at least one third installation. Primary and secondary degree of attention is besides provided by the mostly unregulated private wellness sector, which includes a broad scope of suppliers such as physician patterns, clinics, and infirmaries â €  ( 2 ) . Outside of the modern wellness attention system, faith-based organisations support clinics and infirmaries and traditional herb doctors are another often used beginning of attention. Nigeria has one of the largest stocks of human resources for wellness in Africa comparable merely to Egypt and South Africa. There are about 35,000 physicians and 210,000 nurses registered in the state, which translates into 28 physicians and 170 nurses per 100,000 in the population. ( 3 ) . However, this figure is still dwarfed by the United States. In comparing, the U.S has 218 physicians and 958 nurses per 100,000. In add-on, there is a really limited ( about non-existent ) local capacity for research and development of advanced pharmaceutical drugs to be put in to the medical market place. This means that the local fabrication capacity is merely geared towards a little category of common generic merchandises that are comparatively easy to fabricate. Even so, much of that capacity is for secondary packaging instead than for existent fabrication. Harmonizing to my male parent: â€Å" capacity use is merely approximately 40 % due to hapless basic substructure such as electric power coevals † . Imagine what that excess 40 per centum could make. In footings of the medical market place, a prescription is non needed to purchase antibiotics and most common medicines in Nigeria. Prescriptions are merely needed for controlled substances like opiods or benzodiazepines. Peoples can acquire ill and walk into a pharmaceutics inquiring for a peculiar sort of antibiotic. An immediate return of antibiotics is non possible without a prescription in the U.S. As good, Nigeria relies to a great extent on importing of finished pharmaceutical merchandises to run into national drug demands. Therefore, the pharmaceutical supply concatenation is really helter-skelter and until late was really ill regulated. Even so, the current regulative system has really limited capacity, particularly with the widespread corruptness and unequal enforcement of Torahs and ordinances, some of which are long disused. Unlike in the US, go oning instruction is non emphasized. Health attention suppliers frequently are non held decently accountable for their determina tions on attention, mostly because the patients are by and large uninformed and unempowered to be spouses in their attention. Added to all of the above is the fact that there is widespread superstitious notion, ignorance, and poorness. Many people still believe an unwellness to be a expletive visited on them by wicked/evil people or the spirit of their ascendants. There are still deep rooted beliefs in enchantresss. As a consequence, people foremost consult mediums, churches, mosques, traditional medical specialty men/women, and untrained drug shop attenders for intervention of common complaints. Others self-medicate. Often, the people use the infirmary or trained physician ‘s office as a last resort when their conditions are in advanced phases or worse, terminal. Let me besides add that in infirmaries and exigency suites, drugs and other supplies are frequently non-existent. In fact, my pa recounted sing a kids ‘s exigency room 6 old ages back: â€Å" I remember sing a kids ‘s exigency room in 2004 when we visited merely to see a kid with diabetic coma whose parents were told to travel to a pharmaceutics shop in town to purchase their ain insulin, syringe, needle, extract set, and extract, among other supplies needed. As if that was non bad plenty, subsequently he was told by the physicians in the exigency room that the insulin he bought was forgery and that it will non cut down the girl ‘s blood sugar. He now had to travel looking for a echt insulin injection † . An incident like this is can ne'er go on in the United States. If this were to go on in the U.S. and be reported by the imperativeness, there would instantly be an probe into the infirmary ‘s method, people would be arrested and caputs would turn over. But in Nigeria, no one even water chickweeds. Subsequently my male parent recounted some more of his experiences with the medical market place in Nigeria: â€Å" In 2005, I was in another infirmary to see the caput of the infirmary who used to be my co-worker in the section of paediatricss of a teaching infirmary in another metropolis. While chew the fating with him, his caput of surgery came into his office to inform him that they can non make any surgery that twenty-four hours because they have run out of all surgical kits but one, which they are reserving for a desperate exigency † . One must maintain in head that these two incidents occurred in the really best and largest infirmaries in those two several metropoliss. Imagine a sawbones in New York City non being able to execute life-saving surgery because he has merely one surgical kit left to utilize. What tumult would such a thing cause! These two incidents and the aforesaid issues are among the many factors that foster the counterfeiting of drugs and have led to th eir overpowering presence in the Nigerian medical market place. In an interview with my ma, she stated, â€Å" they say that 60-70 % of pharmaceuticals in the market topographic point of Nigeria were imitative † . However, in my interview of my male parent he refuted that statistic: â€Å" of pharmaceutical merchandises in the market, approximately 20 % are estimated to be imitative † . So which statistic is accurate? Well, merely the fact that there is some difference as to the sum of forgeries on the market suggests that there is an innate job with the information that is distributed to the population. My parents are highly educated compared to the mean Nigerian, yet there still seems to be some dissension. â€Å" Everyone involved in contending the illegal trade admit how hard it is to quantify the job and hence step its success † . As stated by Abiodun Raufu of the World Health Organization, the forgery market thrives on ignorance among the people: â€Å" In 2001, most Nigerian consumers were unmindful to the danger of f orgery drugs. ‘Fake drug traders used to boom chiefly because of a deficiency of consciousness ‘ [ stated Dora Akunyil ] . Warnings were broadcast on wireless and telecasting to do the public aware of the dangers and to promote people to describe leery drugs. Newspapers on a regular basis published lists on forgery drugs. Last twelvemonth, fake drugs deserving about two billion naira ( US $ 16 million! ) were voluntarily handed over by forgers or seized after tip-offs from the populace † . Progression is being made but his deficiency of consciousness will finally forestall the cognition of caution from spreading through the population. How does this contrast with the U.S. ? Surprisingly, there is a turning job of forgery drugs in the U.S. every bit good because of the turning disposition of upper category society to seek â€Å" non-traditional † medicine imported from different states. Harmonizing to the National Center for Complementary and Alternative Medi cine: ‘more than one-third ( about 36 % ) of U.S grownups use complementary and alternate medical specialty and that figure is on the rise † . Let ‘s travel back to the about tragic narrative of my older brother and his terrible asthma onslaughts. Although the consequence was about tragic, my ma did what she was supposed to make. She gave her boy medicine that she expected to assist alleviate his symptoms. So whose mistake was it? Depending on who you ask the reply will change, most patients will fault the physician because he was the 1 who wrote the prescription. Others will fault the druggist because he was the 1 who bottled the medicine as if it was the exact same medicine. Still others will fault themselves for giving their kid medicine that hurt them. To this twenty-four hours, my ma blames herself for what occurred and remains cautious when she gives her kids medicine. Even so, indicating the finger is non of import in this state of affairs. More of import than who is to fault is analysing whether the state of affairs is still salvageable. At some point in every issue or treatment, there is a point of no return, where any solution becomes inaccessible. Could the medical market place in Nigeria have already been packed to the top with so many forgery drugs that it will be impossible to blush them all out, or at least to the degree of tolerability? Still, some argue that an chance exists for betterment in the Nigerian pharmaceutical sector and the full wellness attention system. There was a recent U.S. wellness attention reform jurisprudence passed in March 2010. While the jurisprudence ( Patient Protection and Affordable Care Act [ PPACA ] ) remains controversial, the jurisprudence expanded coverage to the antecedently uninsured and those with preexisting medical conditions, provided single authorizations so that those who are healthy can purchase insurance coverage thereby avoiding an unduly big bad pool that the insurance companies may be left with, and developed the program for the constitution of Patient Centered Outcome Research Institute ( PCORI ) to measure comparative effectivity of attention, among many other commissariats ( Kruger ) . Many Nigerian physicians, particularly those in the U.S. have discussed the possibility of suggesting statute law that has elements of this American statute law. There is talk that such a proviso may come up on the national treatment in the following 10 old ages. Besides, Nigeria has been at the head of planetary attempts to contend forgery drugs since Dora Akunyili took over the National Agency for Food and Drug Administration and Control ( NAFDAC ) in 2001 ( Raufu ) . â€Å" Before Akunyili took over, staff abused their place to extort money from honest makers at the same clip as taking payoff from forgers in return for entree to the Nigerian medical specialties market. Akunyili fired the most corrupt of her officers. To promote honestness among her staying 3000 staff and to hike morale, she offered inducements such as preparation abroad, improved installations and a better working environment † . Nevertheless, no affair how promising this sounds, the obliteration of such jobs as counterfeiting is non even remotely close. The solution to these jobs ( which besides reflects what is go oning within the full society ) rests with leading. As my male parent pr ovinces: â€Å" Nigerian leaders and elites non merely steal public money instead than utilize such money to for the greater good of the people, they and their households fly abroad for their wellness attention and their kids ‘s instruction. So they lack the will or involvement to do things better for the generalization of the population † . Furthermore, nil in the medical market place will alter because leading will ne'er basically change for the greater good of the people of Nigeria. The point of no return has been reached.

Project Management Review Assignment Example | Topics and Well Written Essays - 750 words

Project Management Review - Assignment Example This structure helps in creating a framework and provides guidance in terms of schedule development and control. The process of defining the project consists of five steps 1. Defining the project scope: - A project scope is the end result of the project, i.e. a product or service for the client or customer. The scope clearly explains the measurable and tangible result delivered to the end user. 2. Establishing project priorities: - The second step is to establish the project priorities, which determines the shifts in the comparative importance of criterions connected to cost, time, and performance parameters. This also helps in managing the priorities of project trade-offs and in formulating the parameter requirements. 3. The third step involved in defining a project is to create the Work Breakdown Structure. A work breakdown structure is the hierarchal sketch that categorizes the products and work elements engaged in a project. 4. Integration of Work Breakdown Structure with the Org anization is the fourth step of defining a project. The ability of the firm to discharge its work responsibility towards a project is determined at this stage. This is where WBS and the OBS (Organizational Breakdown structure) are integrated. 5. The final stage of the process is coding the Work Breakdown Structure for the information System. At this stage, a range of essentials of the WBS are identified and defined. Reports on the organizational fundamentals, work package, budget and cost are consolidated at all levels of the organizational structure. Lag and Slack According to Francis and Horine (2003), in a series of linked tasks, lag means the ‘delay’ between the linked tasks; and it is necessary to use lag in a network as it is essential for the smooth progress of tasks (p. 80). The lag can be described as a ‘planned delay’. On the other hand, slack explains the extent of time that a task can be belated without affecting its successor tasks. As Chapman (2006, p. 9.22), Gantt chart is prepared to break a large project into a sequence of smaller tasks in an organized way. This chart describes when each task should start and how long it would take. On the other hand, a network diagram is a tool used for demonstrating how the impacts of a project are related and what the consequences of the impact are. Diagrams summarize a large portion of the project body as it is represented as graphical representation. Backward pass: A backward pass is a device used in the project management. It refers to the estimation of late start dates and late finish dates regarding the section of activities that have not been completed. This is calculated using by referring back through the schedule network from the end date of project segment. The end date may be determined by the client or by the supervisor using the forward pass. A backward pass determines the late start date and late finish dates. Scope statement: The project is on arranging a dinner-danc e concert for a local charity. It is going to take place in a four weeks’ time. This concert is reserved specially for 30 couples and the amount collected at this concert goes directly to the needy segment of the local society. The first step involved in the project is to create work breakdown statement of the project scope. The different elements of the project are to be distinguished at first hand. It is easier to understand the different

Monday, October 7, 2019

How Far External Auditors are Committed to Code of Conduct in Saudi Thesis

How Far External Auditors are Committed to Code of Conduct in Saudi Arabia, and the Ways which Encourage them to Follow Professional Behaviour - Thesis Example Scope of the study: The study will cover a wide area of auditors’ ethics. This research will involve a detailed study of the accounting and external auditing standards of Saudi Arabia. The code of conduct of the country’s accounting standards will also be studied. Study about the external auditor’s commitment to such code of ethics is the major area of study. Finally, this research will suggest a set of important recommendations that might help to improve the professional behaviour of external auditors in Saudi Arabia, and encourage them to commit code of conduct. World over very few studies were conducted in the field of personal values and accounting ethics. One among such few studies is ‘Effects of personal values on auditors’ ethical decisions.’ The study was mainly conducted among practicing auditors. The study however revealed that personal values and preferences do not influence the ethical decisions in accounting. It explains that other than personal values it is contextual factors that promote unethical behavior in accounting. Another study on ethics and auditing is, ‘Testing the bases of ethical decision-making: a study of the New Zealand auditing profession.’ The study showed that most of the auditors did not avoid a difficult situation. The study also showed that demographic factors like age, gender, job profile, etc. did not influence a person’s ethical behavior in their profession. There was another study that was done to find the relationship between cultural influences on professional ju dgment and auditor client-conflict resolution. The study was focused on auditing professionals of Australia, China, Malaysia and India. There was clear difference witnessed in the behavior of Australian auditors compared to that of the Asian counterparts. This is a slightly different view than the study, ‘Effects of personal values on auditors’ ethical decisions.’ â€Å"New corporate governance rules

Sunday, October 6, 2019

Psychology ADULT DEVELOPEMENT Essay Example | Topics and Well Written Essays - 1000 words

Psychology ADULT DEVELOPEMENT - Essay Example Most of the above mentioned spheres are not only influenced by the age an individual but are also influenced by other factors like the genetics and exposure to a particular environment Early adulthood is the period just after adolescence when the individual is in their early stages of maturation. The physical and mental processes are fresh and vibrant with the completion of maturation of the processes that takes a longer time to mature. Mid adulthood is the period marked by the twenties age bracket. This is when the bodily processes are at their optimum and it is closely followed by commencement of degeneration. The last phase is the late adulthood that is often marked by various symptoms of degeneration as the body is wasting away. This article will look keenly into the various processes that the adult of any one particular phase should look forward to in terms of the physical and mental development with time. It will also undertake to give a number of insights into several means that adults may consider in order to ensure that they optimally develop both physically and mentally. People reach the peak of their physical strength and stamina when they are in the twenties age brackets. ... The muscles look sturdy and healthy while the sin glows with youthfulness. Physiological changes often appear in the late adulthood. The strength and the endurance once associated with the youthful body of the individual gradually vanish with the passing of time. The rate at which the neural processes function reduces gradually with the brain experiencing some degree of atrophy (Knox1999p34).A common phenomenon with the digestive system includes the changes in the gastrointestinal tract that often leads to increased frequency in constipation. At the same time, the circulatory and respiratory systems undergo through some form of degeneration which results into inefficiencies in their functioning. Osteoporosis is another condition that comes with old age and is especially pronounced among women. The muscles weaken while the skin experiences a greater degree of dryness and inflexibility. Sensitivity in the five senses decreases while hair loss is experienced. Cognitive changes Cognition during the early and mid adulthood is usually high with the intellectual capability being at its peak. The changes often occur in the elderly phase of adulthood. It is reported that the response speeds decline with the age of an individual. The working memory is also often compromised in this phase thus resulting into problems associated with cognition. This group of adults also often suffer from disorders that eat up on their cognition. These disorders commonly known as dementias are found in approximately 15% of the individuals aged above 65 years (Cavanaugh 2003pp23-24). Behavior change The behavioral patterns found among the early adults reflect the nature of expectations

Saturday, October 5, 2019

Homework2 Essay Example | Topics and Well Written Essays - 250 words - 1

Homework2 - Essay Example The GDP comparison of the Arab nations and the developed countries broken down above helps to deinstitutionalize the myth that the Arab world possesses a stronger economy as a result of having large reserves of oil. The sum totals of all the Arab league nations’ GDP only serve to march that of France and the United Kingdom (Noland & Pack 152). Even when combined together, the GDP of Arab league nations’ still fall below the individual GDP’s of Germany, Japan, and the United states. These figures serve to show that Arab world economy world is not as strong as it gets thought to be when compared to the economies of developed nations. A majority of the Arab league nations’ heavily rely on oil as their major source of GDP and export. Their economies thus are less diversified as they largely depend on oil when compared to the economies of developed countries such as the US, Germany, Japan, France and the UK (Tucker 526). There is need for the countries that fal l in the Arab world to diversify their economies so as to raise the level of their GDP to a competitive level against the developed

Friday, October 4, 2019

Structural Fesign Essay Example | Topics and Well Written Essays - 2250 words

Structural Fesign - Essay Example Structural engineers are thus very important in the construction supply chain. Structural design encompasses the design of the support structure, selection of materials, computation of the member size, evaluation of the effect of the environment on the structural elements, selection of the member types and lastly the configuration of the structure in the most effective, affordable, safe and serviceable manner (Heyman, 1999). The structural designer must work according to the building standardization codes. He may have several designs of which he selects the most affective and affordable design. The design selected must not fail. To ensure proper functionality especially in the factories, the beams must not sag as this may lead to improper functioning or derailing of the cranes. Failure of the structural members results in machines drive shaft fail, machine table misalignment and burning of the bearing due to warbling. Simply supported beams; there are supported vertically at two points. One point is fixed permanently while at the other point, an allowance is given to enable the beam to move horizontally due to expansion (Hosford, 2005). Hollow section: there are several hollow sections that are used in structural design. ... Continuous supported beams; supported at several points. There are several types of beams; these include; Universal beams; they are I shaped beams and are effective as supporting structures, they don't fail easily, they are also referred to as H section beams. Angle sections; they are 'L' shaped are mainly used for roofing where struts and ties are required to make trusses. T-sections; these are structural members that have a 'T' shape. Hollow section: there are several hollow sections that are used in structural design. These include; rectangular hollow section that have a rectangular shape, round hollow section that have a round tubular cross-section and shape, Square sections which have a square cross-section and elliptical cross-section which have an ellipse shape but are hollow inside. Trusses; they are mainly used for roofing; there are sometimes preferred in that they may span for long distances without sagging or deflecting. There are very versatile and can be redesigned easily to add more struts and ties to accommodate greater loads or span longer distances. Bars and rods; bars are rectangular while rods are circular; the are solid unlike the hollow section. Plates. Plates are metallic sheets with a thickness greater than 6mm. Concrete; One of the most widely used structural materials. It is cheap and last long as compared to all the other materials. Concrete comprise of a mix of sand, cement and aggregate in different proportions. The strength of concrete depends on the mixing ratios. Ratios with more sand and cement have greater strength and are used in industrial constructions. Nearly all concrete mixes are reinforced with steel bars. The inherent advantages of reinforcing concrete are; The composite structure resulting from the mix is more

Thursday, October 3, 2019

The Impact of Training and Development on the Employees of the Insurance Sector in Jordan Essay Example for Free

The Impact of Training and Development on the Employees of the Insurance Sector in Jordan Essay The focus of all aspects of Human Resource Development is on developing the most superior workforce so that the organization and individual employees can accomplish their work goals in service to customers , All employees want to be valuable and remain competitive in the labour market at all times. This can only be achieved through employee training and development. Employees will always want to develop career-enhancing skills, which will always lead to employee motivation and retention. There is no doubt that a well-trained and developed staff will be a valuable asset to the company and thereby increasing the chances of his efficiency in discharging his or her duties, so our main focus about the practises of training and development in the insurance sector as it is a very important service sector . And to study the relationship between training and development with job satisfaction and morale among employees , inter personal relationship and customer satisfaction , employee motivation, efficiencies in processes, financial gain , capacity to adopt new technologies and methods , innovation in strategies and products , employee turnover , company image and productivity. METHODOLOGY: We are going to examine two of the most well-known companies in Jordan (Arab insurance company and Jordanian insurance company) through a qualitative research , data will be collected through a couple of interviews with some of the employees of the two companies from many managerial levels and by gathering primary information through literature review from recent journal papers and books. GROUP MEMBERS: * Sara khano * Bashar Kafafi * Lama Daas * Eman Khalil * Shireen Shakaa