The Creation Of Woman Essays - Bereshit, Book Of Genesis

The Creation Of Woman Then the Lord God said, It is not good that the man should be alone; I will make him a helper as his partner. So out of the ground the Lord God formed every animal of the field and every bird of the air, and brought them to the man to see what he would call them; and whatever the man called every living creature, that was its name. The man gave names to all cattle, and to the birds of the air and to every animal of the field; but for the man there was not found a helper as his partner. So the Lord God caused a deep sleep to fall upon the man, and he slept; then he took one of his ribs and closed up its place with flesh. And the rib that the Lord God had taken from the man he made into a woman and brought her to man. Then the man said, This at last is bone of my bones and flesh of my flesh; this one shall be called Woman, for out of Man this one was taken. Therefore a man leaves his father and his mother and clings to his wife, and they become one flesh. Genesis in the Old Testament is a book of new beginnings. Each story tells something new that has yet to be told because the world was in a state of infancy. When God created man, woman, and all living things, He did so to what he created pleased him. The creation of woman was brought upon so that man would not be alone; woman was mans partner for a lifetime in Gods perspective. Verses 18-24 discuss the creation of woman. Upon doing any research and reading the passage, there were two puzzling thoughts that came to mind. Verse 22, And the rib that the Lord God had taken from the man he made into a woman and brought her to the man, how did God take a simple rib bone and make a complete human being out of it? When thinking to myself about the complexity of the human structure, the systems of the human body, and the miniscule details that the human form demands, how can such intricate workings all come from a single rib bone? It is astonishing to think how this miracle was made. Verse 24: Therefore a man leaves his father and his mother and clings to his wife, and they become one flesh, is the second of my puzzling thoughts. Genesis being the first book of the entire Bible, man and woman have just been created why is there talk about a father and a mother? If man and woman were the two sole existing humans, who are each of their fathers and mothers? The only th ing that came to mind when contemplating over this thought was that it is the foreshadowing of how future relationships would work and how they are expected to work. In reading this passage, it was my understanding that woman was created as an equal to man. She was his partner, I will make him a helper as his partner (Genesis 2: 18). I took the meaning of partner as something/someone just as important as the existence of man. When God created every animal of the field and every bird of the air (Gen.2: 19), He made a second form - a female form - as the partner to assist throughout the scheme of life. Creating a partner for all living things shows that God did not hold one above the other. Each partner has its own uniqueness and responsibilities; man and woman were created as equals. The J writer (Yahwist) wrote this particular passage. According to the Yahwist, the motive for creation was it was not good for the human to be alone. Since this passage was written in the tenth century before Christ, the perspective of what a womans place should be was influenced by the current time period. A womans position was one of support to her husband (The Collegeville..). Woman is intended to be one in whom man finds support and strength (The Collegeville..). This suggests that the woman also stands for the

Angora Goat Facts

Angora Goat Facts The angora goat (Capra hircus aegagrus) is a domestic goat which has been deliberately bred to produce a soft, luxurious coat suitable for human textile manufacture.  Angoras were first developed in Asia Minor, between the Black Sea and the Mediterranean, perhaps as much as 2,500 years ago- references to the use of goat hair as a textile appear in the Hebrew Bible.   Fast Facts: Angora Goats Scientific Name: Capra hircus aegagrus (the name for all domesticated goats)Common Names: Angora goat, mohair goatBasic Animal Group: MammalSize: Height at withers: 36–48 inches  Ã‚  Weight: 70–225 poundsLifespan: 10 yearsDiet:  HerbivoreHabitat: Semi-arid pastures in Asia Minor, US (Texas), South AfricaPopulation: ca 350,000Conservation Status: Not Evaluated   Description The scientific name for Angora goats is Capra hircus aegagrus, but that name is also used to refer to most other domestic goats. All belong to the order Artiodactyle, family Bovidae, subfamily Caprinae, and genus Capra.   Angora goats are small in relation to dairy goats or sheep. Adult females stand 36 inches tall and weigh between 70–110 pounds; males stand 48 inches tall and weigh 180–225 pounds. Their main defining characteristic is long (8–10 inches at shearing) ringlets of hair which are fine, silky, lustrous, and dazzlingly white in color and contain little oil in the fleece.  That hair, known as mohair, is a coveted and expensive resource when converted to textiles and sold in sweaters and other clothing. Raw mohair is graded on the basis of fiber thickness, and the best prices to be obtained are hairs that are between 24 and 25 microns thick. Both males and females are horned unless the farmer removes them. Bucks have horns which can reach two or more feet long and have a pronounced spiral, while female horns are comparatively short, 9–10 inches long and straight or slightly spiraled.   Male angora goat in profile. Dmaroscar / Getty Images Plus Habitat and Distribution Angora goats thrive in mostly semi-arid regions with dry, hot summers and cold winters. They originated in Asia Minor and were first successfully exported to other countries beginning in the mid-19th century. Populations were established in South Africa in 1838, and the US on or near the Edwards Plateau of Texas in 1849. Other substantive populations today are managed in Argentina, Lesotho, Russia, and Australia. These goats are almost all in managed (rather than wild) populations, and they are often artificially inseminated, dehorned, and otherwise controlled. Adult angoras are sheared on a biannual basis, producing weights of up to about 10 pounds per year of long, silky fibers between 8–10 inches long. The goats are quite susceptible to cold and wet weather after they have been sheared, for periods up to 4–6 weeks. Close up of mohair on an angora goat. CookedPhotos / Getty Images Plus Diet and Behavior   Goats are browsers and grazers, and they prefer brush, tree leaves, and rough plants, reaching the lower parts of trees by standing on their hind legs. They are often pastured with sheep and cattle since each species prefers different plants. Angoras can improve pastures and reforestation areas by controlling leafy spurge and destroying a range of nuisance plants such as multiflora roses, sand burs, and Canadian thistle. Goats like to go under or through obstacles, so agricultural specialists suggest that five-wire electric fences, woven-wire, or small-mesh fencing is required to keep them penned in. While most goats are not aggressive towards humans, they can do serious or lethal damage to other goats with their horns, especially during the rutting season. Reproduction and Offspring Angora goats have two sexes, and the male is considerably larger than the female. Billies begin rutting in the fall, a behavior that initiates estrus in the females. Little is known about natural herds and group behaviors since studies have been primarily confined to managed populations. Breeding lasts between late September into December (in the northern hemisphere); gestation typically lasts between 148–150 days. Kids are born between late February through April or early May.   Angoras typically have one, two, or on rare occasions three kids, once a year, depending on herd size and management strategy. Kids are extremely delicate at birth and need protection for the first few days if the weather is cold or damp. Kids feed on mothers milk until they are weaned at about 16 weeks. Kids become sexually mature at 6–8 months, but only about half have kids of their own in the first year. Angora goats have a lifespan of about 10 years. An Angora goat (Capra hircus aegagrus) nursing a kid. Pelooyen / Getty Images Plus Conservation Status   Angora goats have not been evaluated as to conservation status, and there are at least 350,000 in different managed populations. Few are wild; the majority live in commercial herds which are grown to produce mohair. Sources Breeds of Livestock- Angora Goats. Oklahoma State University, 1999Jensen, Harriet L., George B. Holcomb, and Howard W. Kerr, Jr. Angora Goats: A Small-Scale Agriculture Alternative. Small Farm Program, University of California Davis, 1993.Jordan, R. M. Angora Goats in the Midwest. North Central Regional Extension Publication 375, 1990.  McGregor, B. A. Investigating the Angora Goat Agro-Pastoral Production System in Southern Australia. Small Ruminant Research 163 (2018): 10–14.  McGregor, B. A., and A. M. Howse. The Effects of Mid Pregnancy and Postnatal Nutrition, Birth Parity and Sex on Angora Goat Live Weight Gain, Skin Follicle Development, Mohair Physical Properties and Fleece Value. Small Ruminant Research 169 (2018): 8–18.  Shelton, Maurice. Angora Goat and Mohair Production. San Angelo, TX: Anchor Publishing, 1993.  Visser, Carina, et al. Genetic Diversity and Population Structure in South African, French and Argentinian Angora Goats from Genome-Wide Snp Data. PLOS ONE 11.5 (2016): e0154353.

Recipe for an Indispensable Executive Assistant [Infographic]

Recipe for an Indispensable Executive Assistant [Infographic] This executive assistant infographic from Convene is adorable and right on the mark! Since its already worth about a thousand words, Ill just call out a few of my favorite elements:Supersonic HearingThis is the benevolent flipside to the gate-keeper function. Sure, your job is to keep knucklehead stuff off your bosss desk, but you also get to bring the concerns of your colleagues to their attention, which can improve conditions for everybody.Battery PackHaving an extra battery in my bag to recharge my phone on the go has already changed my life. Especially if you have a special phone for work-related tasks, invest in an external charger (see if you can get it reimbursed as a business expense, even!). Theyre smaller and smaller every day, but lifesavers in the clutch.Titanium SpineKnowing how to stand up for yourself (and your boss), who to stand up to, and when, is a crucial soft skill for an executive assistant. Youve got to make decisions quickly and be able to defend them (though you should also maintain flexibility to accept constructive criticism when appropriate).

Criticaly examine impact of economic globalization on KURDISTAN REGION Essay

Criticaly examine impact of economic globalization on KURDISTAN REGION - Essay Example The concept of economic globalization also greatly influenced the economic growth of this region. The emergence of economic globalization influenced the region’s government to change its economic policies in way that would encourage investments and cross border trade. The Kurdish economy has undergone significant structural changes over the last few decades, and this reshaping process could be attributed to the emergence of economic globalization. This concept has greatly benefited the region to improve the living standards of its people. Today the living standards of Kurds are far better than that of the people from other parts of Iraq. In addition, the Kurdish government has recognized the importance of private sector in enhancing economic stability and sustainability of the region. This paper will critically evaluate the impacts of economic globalization on Kurdistan. 1. Economic Globalisation: Definition Globalization can be defined as â€Å"the intensification of worldwi de social relations which link distance localities in such a way that local happenings are shaped by events occurring many miles away and vice versa† (Giddens 2008, p.64). ... The Kurds were not trusted partners of the regime. There are many examples of actions taken that were not in the best interests either of the Kurds or the region, building less health centres, force evacuation from the villages, no primary highways to name few but many. This has resulted in an under-invested region both economically and socially. The Kurdistan region is unique at the present time in Iraq in having potentially three levels of government, National, Regional and Provincial. Still the roles and responsibilities of these levels of Government are not clear. The Kurdish society always tries to achieve self-dependence and retain the integrity of its borders. This concern is also shared by other national and international interests concern with the future of Iraq. The Kurdistan Regional Government (KRG) receives both cash and in-kind allocations from Baghdad amounting to about 14 percent of projected Iraqi federal revenues (World Bank, 2007). The bulk of Iraq’s federal revenues are based on oil (96 percent in the 2006 budget). However the largest cash allocation to KRG is 17 percent of a divisible pool of funds, representing all federal domestic revenues net of a number of expenditure programs. KRG’s share is based on a national estimate of KRG’s population relative to the rest of Iraq1. 1.2 Current Policies or Economic Development Objectives: â€Å"Economic growth, being a summary measure of all of the activities of an entire society, necessarily depends, in some way, on everything that goes on in a society† (Lucas 1998). In order to analyze the impacts of economic globalization on the Kurdish region, it is vital to identify the current economic development objectives of the Kurdish government. KRG economic development objectives to date are

Management by Objectives Essay Example | Topics and Well Written Essays - 250 words

Management by Objectives - Essay Example By setting objectives and completing them - the employee can enjoy a sense of accomplishment. Assuming a company has clearly conveyed a mission to be an embraceable vision for all employees from top to bottom; setting objectives with the employee and then letting the employee execute them gives the employee a feeling of team work and belonging. Peter Drucker first addressed MBO in 1954 in his book The practice of Management He later readdressed MBO in updated editions, including, Management: Tasks, Responsibilities, Practices originally published 1973. In the book in Drucker is always careful to stress the human element of management. (Drucker, 21973) He stresses the combined power of teamwork when strengths are emphasized. We are all managed in some way, whether it is by our parents, our jobs or our rules of society. A concrete example of management by objectives is from the company where I am employed. The company requires the manager to sit down with each associate and set goals for the year. Some goals are individually driven and some are business driven. For example, an individual goal might be to learn (or job shadow) a different position in the company, whereas a company goal might be to complete audit reports within a 180 days of the start. The individual goal is set by the associate; sometimes with the coaching of the manager, if needed.

Purpose of Phenomenological Research

Purpose of Phenomenological Research Understanding the meaning of peoples lived experiences is the focus of phenomenology (McConnell-Henry, Chapman, Francis, 2009). Phenomenology is the philosophy or method of inquiry whereby all truths are understood through self awareness (Dictionary.com Unabridged, 2006). Ascribed from the words phenomenon and logos, an implied meaning of phenomenology is the logical interpretation of a phenomenon. Phenomena refer to any observed occurrences that are understood in our minds. Whereas logos is the human ability to think and express thoughts clearly into words (Vivilaki Johnson, 2008). In the mind, phenomena are interpreted logically through the use of logos (Vivilaki Johnson, 2008) to enhance meaning and understanding of lifes experiences (Bryne, 2001). Method Philosophical Base Phenomenology can be viewed as atheoretical in that it may not use a pre-selected theoretical framework (Mapp, 2008; Munhall, 2007). The epistemological and ontological theoretical basics of phenomenology have been established for decades by various philosophers with different methods (Mapp, 2008). Therefore, a thorough understanding of the theoretical underpinnings of phenomenology is essential when establishing the methods for a phenomenological research study. When qualitative researchers explain their methods using the phenomenologist they ascribe to, this foundation allows the unique ability of examining the world from a distinct phenomenological perspective. Thus, the philosophy and theory of the method itself guide the study when phenomenology is the theoretical framework (Munhall Chenail, 2008). From a phenomenological viewpoint, the subjective experience of each person is examined for meaning and understanding, and not quantified into statistical data. While the scientific method has centered on the discovery of knowledge with little regard for the meaning of life experiences (Bryne, 2001), phenomenological studies are rising to provide insight into life experiences, particularly those surrounding health (Vivilaki Johnson, 2008). The three schools of thought related to phenomenology include Husserlian, Heideggerian, and Dutch/Urecht. Edmond Husseri, a mathematician, philosopher, and Father of phenomenology, believed the researcher should contain their beliefs and experiences through a process called transcendental consciousness or bracketing to objectively understand and describe the essence of a participants lived experience (Hunter, 2004; Mapp, 2008). The descriptive approach used in Husserlian phenomenology to explain phenomena is further delineated by van Manen (1990) into two forms, immediate and intermediate. The first form refers to the immediate lived experience and the second form is symbolic and refers to a mediated description such as text or art works, revealing greater analysis (van Manen, 1990). In contrast to Husseri, Martin Heidegger, a pupil of Husseri, meshed hermeneutics with phenomenology possibly due to his early theological background. He believed the researcher used previous beliefs and experiences to interpret the participants experience. Heidegger contended that being-in- the-world made it virtually impossible to bracket beliefs because the researchers prior knowledge, or fore-structure, would facilitate understanding the meaning of lived experiences(Mapp, 2008; McConnell-Henry, et al., 2009). There are two features in the interpretative approach used in Husserlian phenomenology. One part points to what the lived experience reveals and the other part points out the meaning of something already interpreted such as art work or text (van Manen, 1990). Both philosophical views, descriptive and interpretative were used with the Dutch/Urecht school of thought (Mapp, 2008; McConnell-Henry, et al., 2009). The philosopher, van Manen, believed the terms descriptive and interpretative could be used interchangeably. He seemingly concurred with the argument that all description is ultimately interpretation (van Manen, 1990). Each of the three philological underpinnings for phenomenology may overlap their theoretical base and generate confusion. This is no surprise given that the meaning of the lived human experiences is diverse with an endless range of inquiries(Hunter, 2004). Key Assumptions Phenomenology is supported by a number of key assumptions (Munhall, 2007; Orb, 2000). Each person involved in the research study will be referred to as participants. Participants are willing to speak openly and truthfully about their experiences. The phenomenological question is a meaning question that is clear and easily understood by the participant. The therapeutic imperative of nursing (advocacy) takes precedence over the research imperative (advancing knowledge) if conflict develops. The ethical system of deontological (people are not to be treated as means) reflects qualitative nursing. The researcher will continually inform the participant, renegotiate, and ask permission as unexpected changes occur during the study to reflect process consenting. The researcher will make no attempts to engage in problem solving. It is possible for the researcher to discover and understand the participants perception and derive meaning of their lived experience. The researcher acknowledges any beliefs, biases, assumptions, or presuppositions that may that may hinder the veracity of the study. The researcher is an active medium for the voice of their participants without altering their life experiences. The sample is adequate and appropriate reflecting saturation and replication. The researcher will not generalize study results. Appropriate Situations for Use Phenomenology is widely used in various areas of research that deal with human experiences such as nursing, psychology, sociology and education (McConnell-Henry, et al., 2009). Several phenomenological nursing research studies were examined. In one study, Clarke (2009) used a reflective diary to provide transparency, self-development, and clarification of her thoughts and feelings as a novice researcher. Another study conducted by Koch (1994) examined the rigor involved in a study of elderly patients who were victims of negligence. A study on spiritual care for the ill patients without religious affiliation identified several implications for policy change to affect current nursing practice and the educational preparation of nurses (Creel, 2007). Research on experienced emergency nurses stressed the importance of knowledge and experience as key to intuition (Lyneham, Parkinson, Denholm, 2008). The final study cited the experience of advance beginner nurses employed in psychiatric facilities with limited educational preparation and the need for change in the ed ucational arena (Waite, 2006). Each of the studies examined were useful in communicating how participants view the world as they experience the studied phenomenon (Munhall, 2007). The results of the studies are most useful when the researcher allows the data to speak to the reader (van Manen, 1990). Most important, the phenomenology studies create hope. In addition, these studies can be used to liberate us from long held beliefs that cut-off the voice of a persons lived experience (Munhall, 2007). Sample Research Questions The questions in phenomenology research are meaning questions and unlike problem questions, they are not designed to be solved. Instead, the questions allow significance and understanding of phenomena. Phenomenological questions are never closed out with a correct answer. These questions remain open to provide new meaning and insight to those who hope to benefit from the response (van Manen, 1990). Phenomenological questions are questions of wonder that resonate in the heart of the researcher whereby the researcher lives the question and becomes the question by questioning over and over again until the question reveals the essence of its nature. In contrast, empirical research allows statistical data to answer the question for masses of people with no regard for the unique lives of participants. The question in phenomenological research focuses on the phenomenon studied and what the experience is really like for the participant. The knowledge derived from the simple question, what is it like? not only helps participants think and talk about their experiences, but it pulls the reader into the phenomenological description and instills wonder about the phenomena revealed and aids understanding of human experiences (van Manen, 1990). Formulating the research question has some similarities to empirical methods in that the research question is formulated according to the chosen philosopher and the aim of the study. For example, if Heidegger is the philosopher, then the question will focus on being in the world. As an example, the question would reflect the experience the being is in and ask: What does it mean to be a human being and have this experience (Munhall, 2007)? According to Munhall (2007), it is imperative that meaning be the primary focus of the study. Sample questions that focus, reflect meaning, and understanding of the phenomenon are as addressed (McConnell-Henry, et al., 2009; Munhall, 2007; van Manen, 1990). What is/are meaning(s) in this experience or phenomenon? What is being described here? What is it like to be a person having this experience? What is it like for those surrounding the person? How is the phenomenon reflected and manifested in human relationships? What is the evolving meaning(s) that surrounds the phenomenon over time and how does this manifest itself in human experience? What is the nature of the lived experience? What does it mean to be a . . . ? What does this . . . mean to you and what do you mean to this . . . ? What does this really mean? Data Analysis Most Common Methods Unlike empirical research, there is no method of procedures that are quickly understood and mastered when conducting phenomenological research (Munhall, 2007). Phenomenology with its emphasis on understanding the lived experience does not lend itself to specific steps in an effort to protect the veracity of the phenomenon (Groenewald, 2004). Description of methods are not designed to be linear procedural steps, but rather a way to understand the approach to phenomenological research (Munhall, 2007; vanManen, 1990). According to van Manen (1990), methods cannot be fixed, but as questions arise during the research, methods may be either discovered or invented. Munhall (2007) purposed a two-fold purpose for developing a phenomenological method of inquiry. Her first intent was to aide students and colleagues in various efforts such as novice researcher understanding, preparation for dissertation proposals, institutional review board approval, and grant applications. Secondly, she wanted qualitative research established with the same credibility and respect as the scientific method (Munhall, 2007). Munhall (2007) derived her analysis method from the work of van Manen. The main philosophical difference between Munhall and van Manen is that Munhall views phenomenological research as a problem solving agent that can effect change in policy and practice. In addition, she believes phenomenological research results can augment the capacity for caring and compassion, and enhance awareness of unknown and erroneous information (Munhall, 2007). An overview of the methods for phenomenological inquiry and data analysis described by Munhall (2007) is compared to the different phenomenological approaches. Table 1 depicts the similarities of three common methods, descriptive/interpretative (van Manen, 1990), descriptive (Waite, 2006), and interpretative hermeneutics (Crist Tanner, 2003). How Results Are Usually Presented Results are written in a narrative format and condensed into a summary of major interpretations. The narrative should reflect the most meaningful aspect of the research study that could shed light on the problem studied and potentiate social change. Participants are generally asked to read the summary to verify the meaning of their lived experiences. Understanding the lived experiences of the people in the world in which they live can have powerful implications for issues such as non-adherent behaviors (Munhall, 2007). Munhall (2007) purports that non-adherent behavior results from not understanding the patient and the meaning of a behavior to the patient. Findings from phenomenology studies should be disseminated to give voice to the lived experiences of the participants (Munhall, 2007). The thrust of phenomenology is to give birth to the ideas of others (Vivilaki Johnson, 2008). Phenomenological research studies are rooted in caring about the experiences of participants and the desire to make a difference. The question upon the completion of the study is So what? These studies command interventions for change that are viable and designed to make a difference (Munhall, 2007).

Banks in the Philippines

————————————————- List of banks in the Philippines From Wikipedia, the free encyclopedia The  Philippines  has a comprehensive banking system encompassing various types of banks, from large  universal banks  to small  rural banks  and even  non-banks. As at 31 March 2011, there are 19 universal banks, 19  commercial banks, 73  thrift banks, 595 rural banks, 40  credit unions  and 15 non-banks with quasi-banking functions, all licensed with the  Bangko Sentral ng Pilipinas(Central Bank of the Philippines) under  Republic Act  No. 791, also known as the General Banking Act of 2000, share roughly the same powers. ————————————————- —————————————â€⠀Ã¢â‚¬â€Ã¢â‚¬â€- Powers of a universal bank A universal bank has the same powers as a commercial bank with the following additional powers: the powers of an  investment house  as provided in existing laws and the power to invest in non-allied enterprises. List of local universal banks Government-owned * Al-Amanah Islamic Investment Bank of the Philippines * Development Bank of the Philippines Land Bank of the Philippines [edit]Private-owned 1. Banco de Oro Universal Bank 2. Metropolitan Bank and Trust Company 3. Bank of the Philippine Islands 4. Philippine National Bank 5. Rizal Commercial Banking Corporation 6. UnionBank of the Philippines 7. China Banking Corporation 8. Citibank 9. East West Bank 10. Philippine Savings Bank 11. Philtrust Bank  (Philippine Trust Company) 12. Security Bank 13. United Coconut Planters Bank 14. Allied Bank Corporation ———————————————â€⠀- [edit]Powers of a commercial bankIn addition to having the powers of a thrift bank, a commercial bank has the power to accept drafts and issue  letters of credit; discount and negotiate  promissory notes, drafts,  bills of exchange, and other evidences of  debt; accept or create demand deposits; receive other types of deposits and deposit substitutes; buy and sell foreign exchange and  gold  or  silver  bullion; acquire marketable  bonds  and other debt securities; and extend credit. [edit]List of local commercial banks * Asia United Bank * Bank of Commerce * BDO Private Bank  (subsidiary of Banco de Oro) * Philippine Bank of Communications Philippine Veterans Bank * Robinsons Bank Corporation [edit]List of foreign banks with commercial banking operations [edit]Branches * Australia and New Zealand Banking Group * Bangkok Bank * Bank of America, N. A. * Bank of China * Chinatrust Commercial Bank * Citibank, N. A. * Deutsche Bank AG * Hongkong and Shanghai Ba nking Corporation * ING Group * JPMorgan Chase * Korea Exchange Bank * Mega International Commercial Bank * Mizuho Corporate Bank * Standard Chartered Bank * The Bank of Tokyo-Mitsubishi UFJ, Ltd. ————————————————- [edit]Thrift banks [edit]Powers of a thrift bankA thrift bank has the power to accept savings and time deposits, act as a correspondent with other financial institutions and as a collection agent for government entities, issue mortgages, engage in real estate transactions and extend credit. In addition, thrift banks may also maintain checking accounts, act as a depository for government entities and local government units and engage in quasi-banking and money market operations subject to the approval of the Bangko Sentral. As per the banker Amit Malhotra, the performance of thrift banks are underrated. [edit]List of local thrift banks [edit]Government-owned * Ph ilippine Postal Savings Bank edit]Privately owned * Accord Savings Bank * Allied Savings Bank  (subsidiary of Allied Bank) * Anchor Savings Bank * Area Development Bank * Asiatrust Development Bank * Bank of Calape * Bank of Cebu * BankOne Savings and Trust Corporation * Bankwise * Bataan Development Bank * Bataan Savings and Loan Bank * BPI Direct Savings Bank  (subsidiary of Bank of the Philippine Islands) * BPI Family Savings Bank  (subsidiary of Bank of the Philippine Islands) * Business and Consumers Bank * Century Savings Bank * Chinabank Savings  (formerly Manila Bank; subsidiary of Chinabank) * City Savings Bank * Citystate Savings Bank Cordillera Savings and Loan Bank * Dumaguete City Development Bank * Dungganon Bank * EIB Savings Bank  (subsidiary of Export and Industry Bank) * Equicom Savings Bank * Express Savings Bank * Farmers Savings and Loan Bank * First Consolidated Bank * GSIS Family Bank  (subsidiary of the  Government Service Insurance System) * Hi yas Bank * Iloilo City Development Bank * Inter-Asia Development Bank * ISLA Bank * Kauswagan Bank * Legazpi Savings Bank, Inc. * Lemery Savings and Loan Bank * Liberty Savings and Loan Association * Life Savings Bank * Luzon Development Bank * Malasiqui Progressive Savings and Loan Bank Malayan Bank * Metro Cebu Public Savings Bank * Micro Enterprise Bank * Microfinance Maximum Savings Bank, Inc. (MAXBANK) * Northpoint Development Bank * Opportunity Microfinance Bank * Optimum Development Bank * Pacific Ace Savings Bank * Palawan Development Bank * Pampanga Development Bank * Penafrancia Savings and Loan Association * Philam Savings Bank  (subsidiary of  Philam Life) * Philippine Business Bank * Philippine Savings Bank  (Metrobank Group) * Planters Development Bank * Premiere Development Bank  (to be acquired by Security Bank) * Progress Savings and Loan Association * Queen City Development Bank Quezon Coconut Producers Savings and Loan Bank * RCBC Savings Bank (subsidiary of Rizal Commercial Banking Corporation) * Robinsons Savings Bank  (subsidiary of  JG Summit Holdings) * Sampaguita Savings and Loan Association * San Pablo City Development Bank * Sandigan Savings Bank * Silangan Savings and Loan Bank * Sterling Bank of Asia * The Real Bank * Tower Development Bank * UCPB Savings Bank  (subsidiary of United Coconut Planters Bank) * University Savings and Loan Bank * Village Savings and Loan Association * Vizcaya Savings and Loan Association * Wealth Development Bank * Winbank * World Partners Bank edit]List of foreign banks with thrift banking operations * Citibank  (through Citibank Savings) * HSBC  (through HSBC Savings Bank) * United Overseas Bank ————————————————- [edit]Cooperative and rural banks Rural and cooperative banks are the more popular type of banks in the rural communities. Their role is to promote and expand the rural economy in an orderly and effective manner by providing the people in the rural communities with basic financial services. Rural and cooperative banks help farmers through the stages of production, from buying seedlings to marketing of their produce.Rural banks and cooperative banks are differentiated from each other by ownership. While rural banks are privately owned and managed, cooperative banks are organized/owned by cooperatives or federation of cooperatives. A rural bank has the power to provide adequate credit facilities to farmers and merchants or to cooperatives of such farmers and merchants and, in general, to the people of the rural communities of which the rural bank operates in. [edit]List of cooperative banks * Agusan del Norte Cooperative Bank * Bataan Cooperative Bank * Banco Cooperativa de Zamboanga * Camiguin Cooperative Bank * Capiz Settlers Cooperative Bank Cooperative Bank of Agusan del Sur * Cooperative Bank of Aklan * Cooperative Bank of Aurora * Coopera tive Bank of Benguet * Cooperative Bank of Bohol * Cooperative Bank of Bukidnon * Cooperative Bank of Bulacan * Cooperative Bank of Cagayan * Cooperative Bank of Camarines Norte * Cooperative Bank of Camarines Sur * Cooperative Bank of Cavite * Cooperative Bank of Cebu * Cooperative Bank of Davao del Sur * Cooperative Bank of Ilocos Norte * Cooperative Bank of Iloilo * Cooperative Bank of La Union * Cooperative Bank of Lanao del Norte * Cooperative Bank of Misamis Oriental * Cooperative Bank of Mountain Province Cooperative Bank of Negros Oriental * Cooperative Bank of Cotabato * Cooperative Bank of Nueva Ecija * Cooperative Bank of Palawan * Cooperative Bank of Pampanga * Cooperative Bank of Quezon Province * Cooperative Bank of Surigao del Sur * Cooperative Bank of Tarlac * Cooperative Bank of Zambales * Cooperative Bank of Zamboanga del Norte * Cooperative Bank of Zamboanga del Sur * Countryside Cooperative Bank of Batangas * First Isabela Cooperative Bank * Ilocos Sur Cooperativ e Bank * Leyte Cooperative Bank * Metro South Cooperative Bank * National Teachers and Employees Cooperative Bank * Occidental Mindoro Cooperative Bank Samahang Nayon Cooperative Bank of Nueva Vizcaya * Sorsogon Provincial Cooperative Bank * Southern Leyte Cooperative Bank [edit]List of rural banks [edit]Agusan del Norte * Green Bank [edit]Agusan del Sur * Peoples Bank of Caraga, Inc. [edit]Aklan * Rural Bank of Altavas * Rural Bank of Balete * Rural Bank of Banga (Aklan) * Rural Bank of Makato * Rural Bank of New Washington * Rural Bank of Malinao – Microsavers Bank [edit]Albay * Camalig Bank * Cagsawa Rural Bank * Ibalon Rural Bank * Rural Bank of Guinobatan [edit]Bataan * Balanga Rural Bank * Orani Rural Bank * Rural Bank of Abucay * Rural Bank of Bagac [edit]Batangas 5 Speed Rural Bank * Balayan Bay Rural Bank * Banco Batangan * Banco ng Masa * Bangko Kabayan * Batangas Rural Bank for Cooperatives * Bolbok Rural Bank * Calaca Rural Bank * Classic Rural Bank * Dynamic Bank * Empire Rural Bank * Excel Rural Bank * Farmers Rural Bank * First Coconut Rural Bank * Limcoma Rural Bank * Lipa Bank * Lipa Public Bank * Lobo Rural Bank * Malarayat Rural Bank * Mount Makiling Rural Bank * New Rural Bank of Agoncillo * President Jose P. Laurel Rural Bank * Progressive Rural Bank * Rural Bank of Alitagtag * Rural Bank of Padre Garcia * Sto Rosario Rural BAnk * Women's Rural Bank, Inc. [edit]Bohol First Consolidated Bank [edit]Biliran * Rural Bank of Naval, Inc. [edit]Benguet * Benguet Center Bank * Diamond Rural Bank * Highland Rural Bank * Rural Bank of Baguio [edit]Bukidnon * Malaybalay Rural Bank * Asian Hills Bank [edit]Bulacan * Agricom Rural Bank * Apex Rural Bank * Baliuag Rural Bank * Banco Rural de General Tinio * Bangko Luzon * Bangko Rural ng Kalumpit * Rural Bank of San Pascual inc. * Delmont Bank  (Rural bank of  San Jose del Monte City) * East Coast Rural Bank of Hagonoy * Emerald Rural Bank * Fil-Agro Rural Bank * Gateway Rural Bank * Meyacaua yan Second Rural Bank, Inc. * La Consolacion Rural Bank Rural Bank of Angat * Rural Bank of Dona Remedios Trinidad * Silahis Bank * Rural Bank of Bustos * Rural Bank of Pandi [edit]Cagayan * Providence Rural Bank * Rural Bank of Gattaran * Claveria Rural Bank * Rural Bank of Sanchez Mira [edit]Camarines Sur * Bangko Rural ng Magarao * Bangko Rural ng Pasacao * First Naga Rural Bank * G-7 Bank * Municipal Rural Bank of Libmanan * Municipal Rural Bank of Nabua * Penafrancia Rural Bank of Calabanga * Rural Bank of Sipocot * Rural Bank of Pamplona * Rural Bank of Minalabac * Rural Bank of San Fernando * Rural Bank of Cabusao * Rural Bank of San Jose * Rural Bank of Pili * Rural Bank of Milaor Rural Bank of Ragay * Rural Bank of Iriga [edit]Camiguin * Mambajao Community Rural Bank * Philippine Intercity Rural Bank [edit]Capiz * Farmer's Bank of Capiz * President Roxas Rural Bank, Inc. * Rural Bank of Mambusao, Inc. * Rural Bank of Panay, Inc. * Rural Bank of Dao, Inc. * Rural Bank of Pil ar, Inc. * Rural Bank of Pilar, Inc. , Roxas City Branch * Rural Bank of Ivisan, Inc. * Rural Bank of Cuartero, Inc. * Rural Bank of Jamindan, Inc. * Rural Bank of Sapian, Inc. [edit]Cavite * Advance Rural Bank * Bangko Mabuhay * Capitol City Rural Bank of Trece Martires * Cavite Rural Banking Corporation * Cebuana Lhuillier Rural Bank Central Equity Rural Bank * Community Bank * First Reliance Bank * GMA Rural Bank of Cavite * Imus Rural Bank * Masuerte Rural Bank of Bacoor * Rural Bank of Amadeo * Rural Bank of Magallanes * Rural Bank of Maragondon * Unlad Rural Bank of Noveleta, Inc. [edit]Cebu * Frontier Rural Bank * Aspac Rural Bank * Banco Maximo * Banco of East Asia * Banco Rural de Isla Cordova * Cardinal Rural Bank * Coastal Bank * Community Rural Bank of Catmon * Community Rural Bank of Medellin * First Agro Industrial Rural Bank * Frontier Rural Bank * Lapu Lapu Rural Bank * Mactan Rural Bank * Philippine Countryside Rural Bank * Pilipino Rural Bank Plaza Rural Bank * Upl and Rural Bank [edit]Compostela Valley * Rural Bank, Inc. * Money Mall Rural Bank * Rural Bank of Montevista(Davao), Inc * Rural Bank of Compostela(Davao), Inc * Rural Bank of Mawab [edit]Davao del Norte * First Tagum Rural Bank, Inc. * Century Rural Bank [edit]Davao del Sur * First Tagum Rural Bank, Inc. * Community Rural Bank of Magsaysay * One Network Bank * Rural Bank of Digos, Inc. [edit]Davao Oriental * First Tagum Rural Bank, Inc. * Rural Bank of Baganga [edit]Ifugao * Lagawe Highlands Rural Bank [edit]Ilocos Norte * Banco Dingras * Ilocandia Community Bank * Cooperative Bank of Ilocos Norte San Nicolas Cooperative Bank of Ilocos Norte-Laoag City * Cooperative Bank of Ilocos Norte-Batac City [edit]Ilocos Sur * Cordillera Bank * Vigan Banco Rural Incorporada * Rural Bank of Tagudin, Inc * Rural Bank of Cabugao, Inc. * Rural Bank of Sta. Maria, Inc * Sadiri Rural Bank, Inc. * Rural Bank of Magsingal, Inc. * Ilocos Sur Cooperative Bank [edit]Iloilo * Rural Bank of Guimbal (Iloil o) * Racso's Bank * Bangko Buena Consolidated * Rural Bank of Santa Barbara (Iloilo) * Community Rural Bank of San Joaquin * Farmers Trader Rural Bank * First Midland Rural Bank * Janiuay Rural Bank * LifeBank * Progressive Rural Bank * Rural Bank of Alimodian Rural Bank of Anilao * Rural Bank of Badiangan * Rural Bank of Leganes * Rural Bank of Oton [edit]Isabela * Banco Agricola * Golden Rural Bank of the Philippines * Mallig Plains Rural Bank * Philippine Rural Banking Corporation * Rural Bank of Alicia * Rural Bank of Angadanan * Rural Bank of Benito Soliven * Providence Rural Bank * Rural Bank of Magsaysay, Isa. Inc. * Rural Bank of Cauayan, Inc. [edit]Laguna * Rural Bank of Bay,Inc. * Binan Rural Bank * Card Rural Bank * De La O Rural Bank * Entrepreneur Rural Bank * First United Farmers Bank * Key Rural Bank * Ormon Bank * PlanBank Rural Bank of Canlubang Planters Provident Rural Bank of Santa Cruz * Rural Bank of Alaminos * Laguna Prestige Banking Corporation * Rural Bank of Lumban * Rural Bank of Mabitac, Inc. * Rural Bank of Nagcarlan * Rural Bank of Paete * Rural Bank of Pagsanjan * Rural Bank of Calauan * Rural Bank of Calamba * Malarayat Bank * Rural Bank Of Magdalena (Laguna) * CARD Bank [edit]Lanao del Sur * Bagong Bangko Rural ng Malabang * Maranao Rural Bank [edit]Leyte * First Interstate Bank * Rural Bank of Dulag * Rural Bank of Hindang * Rural Bank of Hilongos * Rural Bank of Bato * Rural Bank of Burauen * Rural Bank of Ormoc * Rural Bank of Naval, Carigara Branch edit]Southern Leyte * Rural Bank of Maasin * Rural Bank of Malitbog * Rural Bank of Padre Burgos * Rural Bank of Hinundayan * Rural Bank of San Juan [edit]Maguindanao * New Settlers Bank [edit]Metro Manila * AMA Bank * Baclaran Rural Bank * Banco de Jesus Rural Bank * Banco San Juan * Bangko Pasig * BMS Rural Bank * Builders Rural Bank * Country Rural Bank of Taguig * Enterprise Capital Rural Bank * Filipino Savers Bank * Finman Rural Bank * First Country Rural Bank * First Macro Bank * Insular Rural Bank * MVSM Bank (A Rural Bank Since 1953) * Rodriguez Rural Bank * Rural Bank of Alabang * Bank of Makati * Tambunting Bank edit]Misamis Occidental * Community Rural Bank of Clarin * First Community Cooperative Bank of Misamis Occidental * Panguil Bay Rural Bank of Ozamiz * Rural Bank of Bonifacio * Rural Bank of Tudela * Bank of Misamis. The merging of Rural Bank of Tudela, Mis. Occ. and Rural Bank of Kolambogan, Lanao del Nort * Rural Bank of Plaridel [edit]Misamis Oriental * Bangko Rural ng Tagoloan * Community Rural Bank of Naawan * Philippine Farmers Bank * Rural Bank of Talisayan * first Valley Bank [edit]Mountain Province * Rural Bank of Sagada [edit]Negros Occidental * Rural Bank of Marayo * Community Rural Bank of Magallon First Community Bank * First State Rural Bank * Nation Bank * New Rural Bank of Binalbagan, Inc. * New Rural Bank of Victorias * Rural Bank of Bacolod City [edit]Negros Oriental * Central Visayas Rural Bank * Dumaguete Rural Bank * R ural Bank of Amlan * Rural Bank of Ayungon * Rural Bank of Bacong * Rural Bank of Guihulngan * Rural Bank of Valencia * Rural Bank of Manjuyod * Rural Bank of Larena * Rural Bank of Basay * Rural Bank of Pamplona * Rural Bank of Santa Catalina * SG Bank [edit]Nueva Ecija * Aliaga Farmers Rural Bank * Banco Rural de General Tinio * Bangko Luzon Inc. * Cabanatuan City Rural Bank * Citizen's Rural Bank Cooperative Bank of Nueva Ecija * Cuyapo Rural Bank * FARM Bank * GM Bank Inc. * Kabalikat Rural Bank * Masagana Rural Bank * Merchant Rural Bank of Talavera * Millennium Bank * New Rural Bank of Guimba * New Rural Bank of San Leonardo * Producers Rural Bank of San Jose City * Rural Bank of Laur * Rural Bank of Lupao * Rural Bank of Quezon * Rural Bank of Makati * Rural Bank of Sto. Domingo * Small & Medium Enterprise Bank * Towncall Rural Bank * Westmont Bank [edit]Nueva Vizcaya * Agri Business Rural Bank * Rural Bank of Aritao * Rural Bank of Solano * Cooperative Bank of Nueva Vizcaya [edit]Oriental Mindoro Oriental Tamaraw Rural Bank of Naujan * Rural Bank of Baco * Rural Bank of Gloria * Rural Bank of Bansud * Rural Bank of Pinamalayan * Rural Bank of Pola * Rural Bank of Naujan * Rural Bank of Victoria * Rural Bank of Socorro * Rural Bank of Bongabong [edit]Pampanga * Rural Bank of Porac * Banco Nuestra Senora del Pilar * Bank of Florida * Bangko San Lus (2nd Rural Bank of San Luis) * Crown Bank * Delta Civic Bank * Guagua Rural Bank * Guagua Savers Bank * Rural Bank of Angeles * Rural Bank of Apalit * Rural Bank of San Luis * Unity Bank [edit]Pangasinan * Banco Rural de San Antonio * Bangko Pangasinan * Bani Rural Bank BHF Rural Bank * Corfarm Rural Bank of Umingan * CSF Rural Bank of Bayambang * Gulf Bank * Kaluyagan Rural Bank * Kaunlaran Rural Bank * Pangasinan Bank * People's Rural Bank of Binmaley * Rural Bank of Agno * Rural Bank of Alaminos * Rural Bank of Anda * Rural Bank of Dasol * Rural Bank of Bautista * Rural Bank of Mangaldan [edit]Quezon * St. Jude Cooperative Bank * Quezon Capital Rural Bank * Grand-Agri Rural Bank * Mega Rural Bank * Polillo Island Rural Bank * Quezon Capital Rural Bank * Quezon Traders Rural Bank of Candelaria * Rural Bank of Alabat * Rural Bank of Atimonan * Rural Bank of Candelaria * Rural Bank of Dolores Rural Bank of Lucban * Rural Bank of Mauban * Rural Bank of Sariaya * Rural Bank of Tagkawayan * Tiaong Rural Bank [edit]Rizal * Binangonan Rural Bank * Eastern Rizal Rural Bank * Filidian Rural Bank * Rural Bank of Cardona * Growers Rural Bank * Tanay Rural Bank * Rizal Rural Bank (Taytay), Inc. * Rural Bank of Angono * Rural Bank of Antipolo * Rural Bank of Cainta * Rural Bank of Montalban * Rural Bank of Pililla [edit]Romblon * Community Rural Bank of Romblon [edit]Sarangani * Rural Bank of DAR Beneficiaries Cooperative * Rural Bank of Alabel * Sarangani Rural Bank, Inc. [edit]South Cotabato * Peninsula Rural Bank People's Rural Bank * Partner Rural Bank, Surallah, So. Cot. * Rural Bank of Norala (Norala, So. Cot. ), Inc. [edit]Southern Leyte * Community Rural Bank of Maasin [edit]Sultan Kudarat * Partner Rural Bank, Tacurong City [edit]Surigao del Sur * Bangko Carrascal * Enterprise Bank  www. ebi. ph]] * Cantilan Bank, Inc. [edit]Surigao del Norte * Surigaonon Rural Banking Corporation * Evergreen Rural Bank,Inc. * Siargao Bank * Rural Bank of Placer [edit]Tarlac * Bangko Santo Nino * Camiling Rural Bank * First Provincial Bank * Rural Bank of Tarlac * Rural Bank of Victoria * Rural Bank of Pura * Rural Bank of La Paz * St. Michael Rural Bank edit]Zambales * Community Rural Bank of San Felipe * Countryside Rural Bank of Palauig * Maharlika Rural Bank * Rural Bank of Cabangan * Zambank * Unity Bank * Rural Bank of Candelaria Zambales, Inc. * Rural Bank of San Narcisco, Inc. * Rural Bank of San Marcelino, Inc. [edit]Zamboanga del Norte * Rural Bank of Labason * Community Rural Bank of Dapitan City * Rural Bank of Roxas * Katipunan Rural Bank * Rizal Rural Bank * Rural Ban k of Dipolog City * Rural Bank of Siocon * Rural Bank of Liloy [edit]Zamboanga del Sur * Rural Bank of Pagadian City * Rural Bank of Salug Valley [edit]Zamboanga Sibugay * Rural Bank of Kabasalan Inc. edit]Zamboanga City * Rural Bank of Siocon Inc. * Rural Bank of Zamboanga * Banco Cooperativa de Zamboanga ————————————————- [edit]Defunct or merged banks * Citytrust  Savings Bank (acquired by Bank of the Philippine Islands) * Acme Savings Bank(Acquired by the Sy Group of Companies and Renamed  Banco De Oro) * Far East Bank and Trust Company  (acquired by Bank of the Philippine Islands) * People's Bank and Trust Company(acquired by Bank of the Philippine Islands) * SolidBank Corporation (acquired by Metropolitan Bank and Trust Co) * G7 Bank * Insular Savings Bank  (acquired by Citibank) International Exchange Bank  (acquired by Union Bank of the Philippines) * Insu lar Bank of Asia and America (Merged with  Philippine Commercial International Bank) * Monte de Piedad Savings Bank  (acquired by Keppel Bank) * Mindanao Development Bank(Merged with  Equitable Banking Corporation) * Ecology Bank(Merged with  Equitable Banking Corporation) * Keppel Bank  (acquired by  GE Capital Finance) * Philippine Commercial International Bank  (merged with Equitable Bank forming  Equitable PCI Bank  and now merged with  Banco De Oro) * PCIBank Savings (bought by the HSBC Group and renamed HSBC Savings Bank. * DBS Bank Philippines Ltd. (acquired by BPI) * Equitable Banking Corporation  (merged with PCI Bank forming  Equitable PCI Bank  and now merged with  Banco De Oro) * Prudential Bank  (acquired by Bank of the Philippine Islands) * Urban Bank  (forced to close then merged with Export and Industry Bank) * Equitable PCI Bank  (merged with Banco de Oro) * Export and Industry Bank * American Express Bank  (Renamed BDO Elite Savi ngs Bank) * Equitable Savings Bank  (merged with BDO) * Banco Santander Central Hispano (Philippine subsidiary acquired by  Banco De Oro  and renamed BDO Private Bank) * Dao Heng Bank  (acquired by Banco e Oro) * 1st E Bank  (Philippine Branches acquired by Banco de Oro) * United Overseas Bank  (66 out of 67 Branches merged with  Banco De Oro * BDO Elite Savings Bank (merged with BDO along with Equitable Savings, Equitable PCI and PCI Capital Corp) * GE Money Bank  (acquired by Banco de Oro) * Green Bank of Caraga(Acquired by East West Bank) * LBC Development Bank * Traders Royal Bank (Acquired by Bank of Commerce) * Capitol Bank (acquired by RCBC, now named as RCBC Savings Bank) * Asianbank (acquired by Metrobank)