Health and Socail P1 Essay

P1 – Explain potential hazards and the harm that may arise from each in a health or social care setting Relating to the physical environment The physical environment is everything that is around you, this includes; 1. The building 2. The air 3. The temperature 4. Objects 5. People 6. Pets The physical environment has a huge impact on the staffs and individuals well-being. The spread of Airborne infections are increased when the ventilation is poor, airborne infections such as colds and influenza, so it is important to have fresh air circulating at all times in a health and social care setting, especially in elderly homes as older people tend to catch things more easily as do younger children. Individuals should never be in a draught and should always be warm enough. Older people, babies and people with disabilities find it harder to keep their body at an adequate temperature; you should always cater to their needs. Fumes and smoke shouldn’t contaminate the air that should be clean. The ventilation should remove stale air and provide air movement. All the rooms in the environment should have central heating; each should be able to be controlled to the specific temperature the individual wants. The lighting in each room should be bright enough and in a position for the individuals in the environment to read and participate in other activities. Emergency lighting should also be in place in case a light breaks or electrical problems occur; it should come on if there is a power failure. When the lighting is poor is can cause numerous problems and is hazardous to those who are in that setting, it will affect those with a vision impairment, with people that have limited vision you should make sure that they are in a well-lit area. Equipment Hazards from equipment could include * Untidiness e.g. toys, equipment left in corridors on stairs or blocking fire exits. * Poor maintenance, e.g. frayed wiring or broken equipment * Unsafe practice, e.g. overload sockets or trailing flexes * Lack of awareness of hazards, e.g. hot surfaces or moving parts All equipment must work and function correctly; it must be full maintained at all times. This could include fire fighting equipment, hoists and medical diagnostic equipment such as ECG or x-ray machines, it is very important that these are checked on a regular basis for any faults because the individual could be wrongly diagnosed. Computers and laptops now play as an important role in the care industry as they do in any other aspect of work. If they are positioned in an awkward place the individual can suffer from strain injuries, they can strain their vision if they have too much exposure to the screen, and incorrect sitting can lead to neck strain and back pains. Anything they need should be in reach or this can cau se them to overstretch and this could cause a fall. Infections You should always follow policies and procedures that are put in place; they are they to keep you and others around you safe. If you do not follow them you could cause unnecessary harm to you, your colleagues or individuals in your work place. Babies and older people are at a much greater risk of complications if they catch food borne infections, the incidence of MRSA in hospitals has highlighted the potentially devastating outcomes and effects of poor personal hygiene practices and over-prescription of antibiotics. On the national statistics website it shows that the number of deaths linked to MRSA in the UK from 1993 to 2006 rose to 1,625. But on the death certificates that mentioned it declined, and then in 2008 there was a fall of 23%. If the bacteria are on the skin then they can spread by touch, if it is in the nose or lungs then it can be passed on by droplet spread, by breathing or coughing over someone. But if the person is healthy then when they leave hospital it can just d isappear, this applies for people living with them; if they are healthy special precautions don’t need to be out in place. If it gets into the bloodstream through a wound then it can cause serious illness such as 1. Bone marrow infection 2. Blood poisoning 3. Septic shock 4. Septic arthritis 5. Meningitis 6. Abscesses anywhere within the body 7. Infection of the heart lining 8. Pneumonia Substances The hazardous waste does not stop after disposing of it as if his disposal of hazardous waste is not correct it could damage the health of all in the environment if not disposed of at all it can lead to infection and a spread of infection also. So when dealing with waste especially hazardous you has to make sure you depose of it correctly. Type of waste | Risk| How to dispose of the waste | Sharps (needles or syringes) | Risk of getting an infection off a dirty needle | All dirty needles must be out in a yellow box it can be small or large, it must be shut once it’s at its limit and it will not open once it has been closed. | Clinical dressings | Infection can occur | Must be placed in a yellow box which must be sealed with arrangements of the collection.| Body fluid (blood, urine, faeces, vomit. | A risk of infection | When cleaning up any of the waste you have to ensure gloves are worn it must be flushed down the toilet and then the toilet must be disinfected and if it was on the floor, disinfect where the waste was.| Soiled linen| Another risk of infection | They must be out in the special laundry bags which disintegrate when being washed.| There are a number of substances used in health and social care settings that are hazardous if misused. Cleaning fluids, medications and x-rays are all examples of substances found in health and social care settings. Chemicals can cause burns to the throat and oesophagus if swallowed by accident. Care should be taken at all times when administrating medication as it could be given to the wrong person which could lead to them suffering, or something as simple as the wrong dose. This type of mistake can have a devastating result for example in 2005 2 nurses miscalculated the dose of a drug needed to slow down a baby boys heart rate. He was given 10x the dose and he died. Hazardous working conditions Working conditions are aspects of your job, the hours that you work, the staffing levels and the staff relations. Even though we have tried to improve in the quality of health and social care as a result of regular inspections there are still with staff turnover and staff shortages this can lead to the staff rushing what they are doing with results in them ignoring the policies and procedures, this can lead to a risk of injury or accidents. Pay rates are low for early years workers and health and social care assistants, they are often only paid the minimum wage this can make people feel undervalued and make them less likely to follow policies and procedures. When there are staff shortages it can cause staff to be expected to do overtime, being a care worker or being in care work is physically and mentally demanding and too much of it is likely to cause staff to not perform to the best of their abilities, the more tired the staff are the more likely they are to make mistakes like miscalculating medication does, they will be less alert which could lead to them missing a sign that someone is ill. Stress is another reason of staff shortages, stress can be shown in many different ways people suffer from anxiety, sleep problems, digestive disorders, high blood pressure, and mood swings. None of these are good for a member of staff to be suffering with, it can lead to all sorts of problems in the health and social care setting. The vacancy rates for health and social care are higher than any other employment sectors in England, many care homes cannot recruit sufficient staff, and the shortages of staff have an impact of the quality of care given to those in the environment. Hazardous working practices The jobs you do when caring for people are called working practices. They include: 1. Moving and handling 2. Preparing food 3. Changing nappies 4. Giving injections/supervising 5. Giving injections 6. Supervising individuals with challenging behaviour You should always follow the procedures correctly because if you do not you can out yourself and others at harm. Care workers still suffer injuries related to moving people they care for even despite the manual handling regulations 1992. It was reported in 2003 that 80,000 nurses sustain back injuries at work each year, one third of all reported accidents involve moving and handling. The main hazards with moving and handling are that the handler may slip or trip over, stand in an awkward position, twist and overstretch, this can cause the handler to have neck or back pain, it can cause strain, and sprain or they could fracture a bone this could happen to either the handler or individual. They could end up with a permanent disability. Hazardous security systems Security systems are to keep staff and individuals safe from intruders, security systems are fitted in most health and social care settings. Residential homes normally keep the main door locked and only the people there have special keys and there family, or you have to buzz to get in. although this is a good thing, it could also be a bad thing as in fires it could waste time that could possibly save lives. All confidential information about the residents is withheld on the computer system and should be password protected all the filing cabinets should also be kept locked at all times. Section 2. Residential care There are different types of residential care homes, those for the older generation, people with disabilities and children who are looked after. In each of these settings health and safety has to taken extremely seriously, the carers have to make sure that the residents can escape in a fire, they have to make sure they are not putting one another in danger and that infections do not spread. It is important that the residents are informed about keeping themselves and others safe. In some of the residential homes the residents can come and go as they please but in a place where there may be little children or people that are confused that would not be allowed. They could put themselves in danger of getting ran over or hurt themselves. In winter time or in the colder weather, if they cannot find their way back or they don’t want to go back they could develop hypothermia. Child minder Settings where there are children should be very safe. Little children are curious and want to see and touch everything, they put things into their mouths lie toys or objects, this can cause them to choke or if they swallow a liquid such as a cleaning detergent they could be poisoned. They could open a gate and go wandering, cupboards, drawers could be opened which have poisonous substances in them, and they could climb and get stuck or distressed. When working in a preschool setting you have to be constantly vigilant and always alert and on the lookout for anything dangerous. Staffs is responsible for all activities the children take part in and therefore have to ensure that they are safe and not hazardous. Public environment Most parks are away from busy roads but there are a few which aren’t, in his case there is a danger of the child opening the gate and running out into the road, you have to watch your child at all times to ensure the safety of him/her. You also have to be vigilant of those in the park also, as there could be bigger children which could run into the child. Also if there is a skate park where the older children and teenagers chill you have to be careful for any empty glass bottles, also if older people are unsteady on their feet this can create a hazard for them. Sometimes people like to vandalize the park equipment and leave it in a dangerous state if you are looking after a child you should always check the park equipment before allowing your child on, this can easily stop an accident which may have happened. You may also have to asses if the child is age appropriate, if not you shouldn’t let the child on it in case of an injury, parks do have an impact absorbing floor normally which cushions the child’s fall, but accidents can still happen and you should always keep a close eye on your child. Some parks are frequente d by drug abusers; they may leave needles on the ground which would be extremely harmful to young children, so it would be a good idea to scan the ground. Dog owners tend to walk their dogs in the parks, dog faeces is a threat to children. There is such thing as toxicara which is a roundworm that can be present in dog faeces; this can potentially result in total blindness in one or both eyes. Parks are an idea place to take children to allow them to get some exercise and socialise with other children. Section 3 * Those receiving care, link to an older person and a young child: Young children are unable to recognize hazards themselves, their coordination is still developing. If substances are left lying around the child could get hold of them, this could lead to devastating consequences or even fatal, the child could be poisoned. You should always put locks on drawers and cupboards to ensure the children cannot get hold of hazardous substances. If things are left lying around such as toys a child could get hold of it and put it into their mouths if it too small or a toy is broken the child could choke. An older person could walk into things if they have limited vision or the lights are not bright enough. You should always make sure that the care setting is suitable and fits the residents needs. The main doors should always be locked in case there are residents who are confused, they may try to leave. An older person can be harmed if they need to be lifted into a bath or onto a bed, care should be taken when handling individuals and procedures should always be followed correctly. Workers in a setting: Workers sometimes come across Violent service users, this can put them at harm and they can be hurt. They could potentially fracture a bone. There may be faulty equipment which could be hazardous to the service provider as if they are lifting a service user and the equipment is broken the whole weight could be out on them and themselves and the individual could hurt themselves. If there is a shortage of staff and it is very busy the workers could feel stressed, stress can cause them to have anxiety and lack of sleep. If a member staff has had lack of sleep this will cause them to feel tired and they may not be als alert as they should be which can cause harm to themselves and the individual. If there are staff shortages tsome members of staff will be asked to work overtime, this can cause them to feel tired which again means that are not as vigilant as they would be. Support staff (eg caterers, cleaners, administrative), Cleaners are at a risk of being harmed by hazardous waste, if someone has soiled there bed sheets the cleaners have to take the sheets off the bed and put it into the wash, they come into contact with it which means germs can be passed. They also have to clean after someone has been sick again they can catch a bug or become unwell. Cleaners have to dispose of used dressing and needles they could catch an infection if they come into with them. * Visitors (eg relatives, friends, volunteers) Visitors need to be signed in and out in case of fires, if there was a fire and they are not signed in no one would know that they are there and they could at risk of being trapped in the building. Visitors are also at risk of catching infections or any bugs that are going around within the care setting. They should be informed of any infections before they visit. *

The Effects Of Oil Spill In The Marine Ecosystem

These components affect living organisms in many ways. Some of the soluble components and emulsions are poisonous, particularly to small organisms that do not have protective coverings or shells- Fish larvae, single celled algae and many kinds of plankton are vulnerable and these are the basic foundation of the marine food chain. In shallow water these toxic substances may directly kill algae, coral and sea grasses.These components may also be passed in the food chain or directly ingested or absorbed through the gills of fish and other larger marine organisms. The effect may be to kill the animal or contaminate its tissues. A thick film of oil on the sea surface may reduce sunlight penetration and reduce photosynthesis. Small particles and emulsions may be ingested or block the feeding mechanisms of invertebrates such as oysters, starfish, sponges and corals. These particles also may have toxic components, so the effects can be physical, chemical or both. The most dramatic impact of oil spills is the coating of larger animals with oil. Animals that breathe at the surface like dolphins, sea turtles and manatees may inhale oil and toxic vapors. Sticky oil may also coat their bodies. Coating with oil is particularly devastating to birds. Even a thin coat of oil compromises the waterproof quality of feathers, causing the bird to become water logged and loose heat. Animals, like some sea turtles, that feed at or near the surface may ingest tar balls and particles that then physically blocks their intestines and may be toxic as well.At the shoreline, shallow waters and coastal estuaries and marshes, the impact of the layer of oil, floating and suspended emulsion and particles can be devastating, coating plants and benthic animals like corals, crabs and shell fish, preventing photosynthesis and breathing and blocking filter feeding mechanisms. These materials become mixed into shoreline sediments and remain in the system for years. ‘Dispersants’ are deter gent like substances that can be applied to an oil slick and accelerate the emulsification, break-up into particles and dispersion of the thick oil. This limits the spread and the distance that a slick moves.However it is important to recognize that the oil does not go away- its all still there, just in the form of smaller particles and emulsion that is less mobile. In addition, dispersants may also be toxic or have deleterious effects on the natural environment, particularly on small single celled organisms. System recovery.Despite these gloomy predictions, the effects of oil spills are not permanent and complete. Marine systems show remarkable resiliency and as the oil becomes sequestered in less active forms (tarballs, buried oil etc.) and is broken down by sunlight and bacterial action, the systems recover. Survivors reproduce and recolonize habitats. Some creatures adapt to tar and oil covered substrates and some crabs and mollusks actually eat the tar and the bacteria and fung i growing upon it, and aid its degredation. The oil in its several forms is dispersed, diluted and broken down until only small pockets and particles remain.Marine systems are by their very nature open- that is connected by the sea, wind and currents to distant uncontaminated regions. Many marine organisms have mobile life phases(floating eggs, larvae) that recolonize and re-establish populations. Some of the creatures affected by a spill also routinely suffer catastrophic mortality from other causes (e.g. some colonial nesting seabirds) and are well adapted to recover. Large mobile animals like sharks, sea turtles, large fish and whales that moved away from the spill move back. Although there may be significant mortality of some of these animals, overall the impact on their populations is usually not permanent.In the well studied cases in the Arabian gulf, Alaska (Exxon Valdez) and English Channel (Torrey Canyon), the appearance of the system returned close to normal within a few y ears. Although there was still oil and tar present in the sediments, and continuing effects among the organisms there was visible recovery of major parts of the system (seagrass beds, rocky intertidal habitats, coral reefs).With the passage of time, approximately a decade or so, and rebalancing of ecosystem and the creatures living in it, the system continues to function and returns to productivity, fisheries recover and many of the organisms are restored to their previous abundance. While such widespread intense disruption may causes changes in the balance of nature- which species are present and how numerous they are- nature itself survives. Although such catastrophic events are very damaging and economically expensive at a human scale, on an ecological time scale they are passing disruptions and on an evolutionary timescale, barely perceptible.Ecosystem effectsClean up efforts have included unprecedented amounts of chemical dispersants,  which are used to break up oil slicks. A lthough detailed effects of the chemical dispersants on wildlife and ecosystems are not well studied, the chemicals used are toxic to a variety of organisms, and they have never been previously used on this wide a scale. Because dispersants break oil up into tiny droplets, marine biologists fear that fish larvae, zooplankton and filter feeders (such as oysters), will be at risk from eating the large quantities of â€Å"non-visible† oil.Chemical dispersants are likely to impact deep-water animals downstream of the well. Oil will likely reduce the amount and health of all prey species, reducing the food available for marine mammals, seabirds and sea turtles. Plankton is the foundation for nearly all life in the Gulf of Mexico (and the ocean), and they will most likely be affected. Contaminants from the spill and the dispersants are likely to concentrate in the upper food chain, affecting whales, dolphins, birds and sharks. FishesScientists have observed fish species moving into near-shore areas with less oil contamination, indicating that they may be fleeing significant habitat impacts in deeper waters. The Gulf is a breeding ground for bluefin tuna, and the oil spill coincides with egg production. Larvae of tuna and other fishes eat anything they see in the water, including oil droplets. Studies on a variety of fish larvae suggests that ingestion of both oil droplets and dispersants causes adverse effects, including mutations, physiological problems and increased mortality.BirdsSeabirds get covered with oil while diving into oily waters to fish. The birds may ingest oil when they eat prey that is covered in or has ingested oil. Once birds are covered with oil, they have difficulty flying, or are completely unable to fly, making feeding and getting away from predators impossible. Many species of birds, including the brown pelican (just taken off the endangered list) face threats from the oil spill on the coastal islands and wetlands of the Gulf that they use as rookeries. Birds’ eggs are getting covered in oil, and the birds are deserting their oiled habitat, leaving their eggs behind.Oil pollution is one of the most serious environmental problems in themarine  environment. Episodic pollution events, such as catastrophic oilspills; in particular, threaten water quality and habitat with a suddenness andseverity rarely matched by other pollutants. Catastrophic spills typicallyresult from transportation accidents such as collisions or groundings of oiltankers.Most oil pollution stems from non-catastrophic events, however, and occursmost frequently during cargo transfer operations. In fact, of the 3.5 Milliontons of oil that ends up in the ocean every year worldwide, only a small percent is a consequence of tanker spills. About 70 percent of oil Pollution isdue to chronic pollution from municipal and industrial wastes or run off,dumping of waste oil, release of oily bilge water, and from other-than-tanker transportation.Whatâ⠂¬â„¢s an oil spill?Oil spills happen when people make mistakes or are careless and cause anoil tanker to leak oil into the ocean. There are a few more ways an oil spillcan occur. Equipment breaking down may cause an oil spill. If theequipment breaks down, the tanker may get stuck on shallow land. Whenthey start to drive the tanker again, they can put a hole in the tanker causingit to leak oil

Nelson Mandela Essay Example | Topics and Well Written Essays - 500 words - 3

Nelson Mandela - Essay Example On March 21, 1960, 69 unarmed citizens were murdered by the police as they were peacefully protesting against the pass laws in Sharpeville. This changed the political climate in the country. It resulted in the country’s first state of emergency. The Pan African Congress and the ANC were halted. Thousands of South Africans including Mandela and his friends were detained during the declared state of emergency. Mandela was sentenced to life imprisonment for fighting the apartheid. During his trial, he divorced his wife and got married to a Winnie Madikizela. They were blessed with two girls. They later on divorced in 1996. He spent 27 years of his lifetime in jail. He was freed in 1990. Upon his freedom from jail, he continued his fight against racial segregation and inequality. He also fought against the violence that was growing in South Africa. Mandela was honored with the Nobel Prize in 1993. In 1994, South Africa had its first ever democratic and fair election in which every one was given the opportunity to vote. He came out the victor and was the President. In his time as the President, he advocated for reconciliation, peaceful resolution of grievances by the citizens after years of autocratic laws against South Africans. Most people believe that without Mandela’s leadership, South Africa would probably have slipped into a bloody social war. He served until 1999 but refused to go for a second term. On April 27th, South Africa celebrates Freedom Day to signify their first ever democratic election.

Staffing Technologies in Chern's Company Case Study

Staffing Technologies in Chern's Company - Case Study Example This paper will give recommendations on how to improve Chern’s staffing systems and later give some reflections on the entire Chern’s case study. Chern should employ additional technologies in order to ensure that human resource management personnel concentrate on the essential and critical tasks only. The organization should consider utilizing such technologies in the entire human resources management process (Philips & Gully, 2009). Chern can use an Applicant Tracking System (ATS), automated employee training system and a human resource information system. The three above will basically automated various human resource management functions and bring in efficiency and save time. The ATS is a system mainly used for recruiting purposes and it can handle the entire hiring process depending on its level of sophistication. An ATS will be used to post online vacancy advertisements, screen candidates for the required qualifications and perform online interviews with shortlisted candidates. The different scores for the different candidates can then be put on a dashboard for easier and quicker decision making (Philips & Gully, 2009). An ATS will make hiring easier and will make it possible for Chern to interview as many candidates as possible and increase chances of hiring the best and talented candidate for any position (Philips & Gully, 2009). The employee training system is application or system that is used to induct new employees into their roles as well as monitor their performance. This system is commonly referred to as learning management system can be used to develop employees’ skills and competencies by facilitating training. This system can be a great asset to Chern as it will determine the training needs of individual candidates, recommend training materials and generate a training schedule for the new staffs (Schuler &Jackson, 2008). Chern should also adopt a human resource information system that will assist  the human resource manager in performance evaluation as well as carrying out some tasks such as payroll production and determining hours worked daily. This system can be used as a decision-making tool in planning for promotions and successions.

Business law ( write a short story using the therms) Essay

Business law ( write a short story using the therms) - Essay Example is case had a condition precedent attached to it since the buyer of furniture is demanding that the furniture should be imported by no later than May 01, 2010 at London Port. If Simons Co. fails to export the requested items by the required date than Ajax Co. is declared free from making any payment since the condition precedent has not been fulfilled. Simons Co. being a multinational organization has the ability to borrow funds from international sources. It had initially borrowed fund amounting to $950,000 from Bank of England. So within the contract, Simons Co. contracts Ajax Co. to pay $950,000 to Bank of England if the contract is executed. The Bank of England is basically the creditor beneficiary in this case. On the other hand, by the virtue of law of assignment Ajax Co. transfers his rights to receive the furniture to Magna Co. which is a local dealer of furniture. Simon Co. was facing buoyant demand in its country and had tough time in meeting the contract. So it further refines the terms and condition of the contract with Ajax Co. that it will delegate its responsibility of manufacturing the required amount of furniture to another local corporation since it might not be able to meet the request due to its limited manufacturing capacity. The contract was finalized and it had all the explicit conditions mentioned and in case if some ambiguous terms are found than court will rule the decision against the party who has drafted the

Nationality, immigration and asylum law Coursework

Nationality, immigration and asylum law - Coursework Example At the same time, he suffers serious eye problems to such an extent that if medical facilities are not available he may go blind. To further add his misery, last week, a co-worker has threatened him to report to immigration authorities being stayed illegally. He engulfs with a fear of being deported from UK. UK Border Agency (UKBA) treats the claim of asylum as human rights claim. Insertion of Humanitarian Protection makes Immigration Rules practicable. The asylum application should contain one of the following grounds: a) whether qualifies for asylum under paragraph 334 of the Immigration Rules b) whether the applicant qualifies for Humanitarian Protection under paragraph 339C of the Immigration Rules c) whether the applicant qualifies for discretionary leave on other ECHR grounds d) Is it applicable under article 3 that fall outside the scope of the Immigration Rules on Humanitarian Protection and e) whether the individual circumstances are so compelling that a grant of discretiona ry leave is appropriate which is rare1. Mentioned process in asylum cases should strictly be applied by the incumbents irrespective of the fact that neither ECHR nor Humanitarian Protection has been mentioned specifically by the applicant. The other category of the applicants should seek shelter under the umbrella of Humanitarian Protection or other ECHR. ... In cited cases possibility of seeking assurances from the concerned authorities of the country of return is utmost important under the ECHR and the Immigration Rules. However, a deportee may contact to Asylum Operational Policy Unit via a senior caseworker before being returned to his / her country of origin4. The issues of human rights for the non-UK nationals are crucial in the sense that they have to face language barriers, lack of information on their rights, discourse on migration and asylum make it more complex. As per the practice in vogue, if detainee is detained in prison, custody suites or removal centers requires an independent inspection and investigation5. The lack of awareness about the immigration laws amongst the legal / illegal immigrants put them in knee-deep waters. In a report titled â€Å"Our Hidden Borders† written by Latif and Martynowicz examines in details the current law, policy and practice on the detention of offenders of immigration law and asylum seekers in line with the UK commitments under international human rights law. The findings of investigative report speak for itself about human rights concerns / violations6. The report in question discussed the policies, law and practice that govern the UK Border Agency and the involvement of Police Service of Northern Ireland. Each and every individual since birth has the right of liberty and security. No one shall usurp the rights of others by way of arbitrary arrest or detention. No one can be deprived of his / her liberty provided such grounds exits and in accordance with the prevalent law of the land. It is the right of the detainee to know the cause of arrest at the time of his /

Could Islamic Banking help avert the financial crisis Essay

Could Islamic Banking help avert the financial crisis - Essay Example Also, the focus will be on the Islamic economy to bring out how such factors will bring stability that the world is in need of (In Ahmed, In Asutay & In Wilson, 2014). The world could be in the midst of financial crisis which puts a lot pressure on the world’s economic recession. Islamic credit brought a lot of worries and confusion in that period of 2007 when economic depression was experienced making United States’ markets to rupture. An experience of the economic crisis is very threatening in that it brings into a stand still all the economic development due to increased prosperity and employment especially in the western economies and more so this leads into too much loss in the world economy (Kettell, 2011). Examining this topic will help in the understanding and appreciating of the roles of banking in diverse backgrounds (Kim & McKenzie, 2010). This can help borrow some knowledge in terms of rules and regulation that govern the banking activities in Arabic countries which can then be implemented in our banks. For example, Islamic banking holds fast on the principles of Sharia Law in which it is characterized by prevention of interest application on the loans given, and more so limiting excessive financial speculation (In Ahmed, In Asutay & In Wilson, 2014).The study of this topic gives me an understanding of international finance in that it gives the major causes of financial crisis, it impacts and also its effects (El, 2011). The financial crisis of 2007 had two major effects to the United States. First is that banks were unwilling to give or lend money which in turn increased the prices of borrowing. For example, the bonds that had been issued against different mortgages turned down $1.9 billion, in just a year, to $500 million in the year 2008 (Venardos, 2010). Second is that very many financial institutions became devastated, especially in the private finance initiative industry, single-line insurers