Imagine that you are running for a state office (e.g., governor, senator, or representative) and you have to prepare a position paper for a debate on controversial issues in the news. (Select one (1) of the topics addressed in Weeks 5-9 of this class.) You will want your position paper to demonstrate critical thinking, sound logic, valid claims, personal passion, and credible support that is cited correctly because the paper will be provided to the news media before the debate and will be scrutinized by the media and reported on regarding these criteria. Your professor will serve as your close advisor whose job is to review the paper and provide feedback to you on the paper’s strengths and weaknesses.
Write a two to three (2-3) page (700 to 1,200 words) paper in which you:
Introduce your position using a thesis statement in the first paragraph, including a quote, question, or statistic from your reliable sources and an overview of the main points you will cover. (It’s important to grab the audience’s interest and inform them of what the main and support points are.)
Provide three or four (3-4) major points to support your thesis statement. (Put each major point in a separate paragraph.)
Provide one (1) paragraph in which you identify and answer an expected argument against your view.
Organized arguments and support for claims effectively.
Demonstrate personal passion for your position and critical thinking with persuasive language, sound logic, valid claims, and credible support for the claims.
Provide two to three (2-3) credible and reliable references (in addition to the text) about current events, which have been published in the last five (5) years and are cited correctly in the position paper. (Wikipedia is not an acceptable source.)
Foundation OF THE PROBLEM M-Pesa is one of the astute advancement results of Safari-com Kenya, it is a portable cash exchange that empowers Safari-com endorsers of send and get cash to anybody of the versatile system. It was produced by Vodafone, which holds a 35% offer in Safari-com. The “M” remains for portable. Pesa is Swahili for cash. Since its presentation in March of 2007, the M-PESA cash exchange framework has seen its fame with the un-managed an account populace surge, making the application an awesome achievement everywhere throughout the nation. For instance, between March 2007 and September 2008, M-pesa individual to individual exchanges hit the Sh54 billion check with December alone a year ago representing an extra Sh14 billion. To call M-PESA a win would be putting it mildly. Today you can utilize your telephone to pay for taxicab rides and power, to get cash out of ATMs without owning an ATM card or notwithstanding having a customary financial balance. This has caused nerves in the saving money industry. It is commendable noticing here that the greater part of the Kenya’s live in neighborhood remote zones and don’t approach saving money administrations. The M-PESA benefit does not expect clients to have ledgers. They should simply enroll at an approved M-PESA specialist by giving their Safari-com portable number and their distinguishing proof card. Once enrolled, the client can purchase advanced assets at any M-Pesa specialist and send that electronic money to some other cell phone client in Kenya by SMS. Beneficiaries can either recover this for traditional money at M-Pesa specialist outlets or purchase Safari-com broadcast appointment for themselves and different endorsers. A M-Pesa-empowered cell phone can likewise work as an electronic wallet, holding up to €500 (50,000 Kenyan shillings). The administration has brought down exchange costs for clients as far as cash, time and hazard. A urban inhabitant that used to send cash to his atomic family, different relatives or any other individual utilizing the mail station, transport administrations or companions voyaging home would now be able to dispatch supports rapidly and securely for a little charge. The beneficiary would then be able to get money utilizing a M-pesa operator of decision. The administration is being utilized to make installments for bring down esteem products and enterprises, in this way expanding the speed of business. You can wrangle with a seller in the city and influence an electronic installment for whatever you to purchase. Rather than heading out heartland to pay school charges or provide food for unexpected costs, guardians would now be able to concur with companions or instructors to make installments for their sake in the wake of getting the cash exchanged electronically to them. Individuals who were excessively poor, making it impossible to open a financial balance would now be able to have an exchange account available to them. Just around 2 million Kenyans have financial balances out of a populace of around 36 million. In this manner, the possibility to widen access to money related administrations is enormous. In spite of the fact that the item has is unmistakably picked up noticeable quality among the low salary workers, high wage workers Small and medium associations it has not run down well with the significant Banking key players who are contradicting it. 90% of Kenyans don’t have a record in a standard bank. Crosswise over Africa, just 20% of families have formal financial balances, as per a World Bank study. In Tanzania the rate is as low as 5%, and in Liberia 15%. In any case, the expansion of cell phone benefits around the landmass has opened another approach to expand budgetary administration 1.1 Research questions What are the budgetary needs that M-Pesa meets as a specialist of cash exchange? Is the M-Pesa item dependable and open in meeting the monetary needs in Kenya? 1.2 Research Objectives 1. To discover the impacts/commitments of M-Pesa as a result of Safari com to society 2. Discover the effects of M-Pesa in the saving money part in Kenya 3. To discover who are the primary populace sections focused by M-Pesa item in Kenya 4. To discover the strategies utilized by Safari com as a M-Pesa supplier to fulfill clients needs Method of reasoning OF THE RESEARCH Known as M-pesa, or portable cash, the administration is relied upon to change managing an account in a nation where over 80% of individuals are avoided from the formal money related segment. Aside from exchanging money; an administration much sought after among urban Kenyans supporting relatives in provincial regions, clients of the Safaricom system will have the capacity to keep up to 50,000 shillings (£370) in a “virtual record” on their handsets. Cell phone development in Kenya, as in a large portion of Africa, has been amazing, even among the provincial poor. In June 1999 Kenya had 15,000 portable endorsers. Today it has about 8 million out of a populace of 35 million. In time, M-pesa will enable individuals to get and reimburse cash, and make buys. Organizations will have the capacity to pay compensations specifically into laborers’ telephones; something that has just pulled in light of a legitimate concern for bigger businesses, for example, the tea organizations, whose specialists frequently must be paid in real money as they don’t have financial balances. The M-pesa venture is being observed intently by versatile administrators around the globe as a method for focusing on the multibillion pound universal money exchange industry since quite a while ago commanded by organizations, for example, Western Union and Money gram. As per the World Bank, settlements sent from about 200 million transient specialists to creating nations totalled £102bn in the year 2007. The GSM Association, which speaks to in excess of 700 versatile administrators around the world, trusts this could fourfold by 2012 if exchanges by SMS turn into the standard. Vodafone has entered an association with Citigroup that would soon enable Kenyans in the UK to send cash home by means of instant message. The charge for sending £50 is required to be about £3, not as much as 33% of what some customary administrations charge. SME’s in Kenya are making utilization of M-pesa. This is basically on the grounds that the administration has been observed to be fluid, adaptable, worthy, protected and dependable. M-pesa has likewise affected microfinance establishments since individuals send virtual assets to their gathering pioneer, and the gathering pioneers give the assets to the microfinance association. Clients can send between 100 Kenyan shillings ($1.5) and 35,000 shillings ($530) by means of an instant message to a coveted beneficiary; even somebody utilizing an alternate portable system. The beneficiary at that point can get the money from a Safaricom operator by entering a mystery code and indicating individual recognizable proof. M-pesa gives individuals an excess of access (day in and day out) to their money which could undermine sparing society. Examination demonstrates that the M-PESA-based money exchanges are secure, empower a snappy crisis reaction, are financially savvy and enable groups. Money exchanges give family units access to a more extensive scope of wares. The infusion of money additionally fortified the nearby economy. The part of data innovation in engaging the poor – the capacity of cell phones to send SMS grows the scope of shabby correspondence accessible to poor people. Secluded people group now know how to get settlements by utilizing M-PESA. Groups likewise observe points of interest in utilizing their cell phones to grow early cautioning and security alert frameworks to counteract steers stirring. Ladies likewise observe wage producing openings by offering casual payphone administrations to different individuals from the group. Section 2 Writing REVIEW The expanding velocity of exchanges has been a basic piece of the advancement procedure. At the front line of cash innovation, corporate America is moving past bunch handling and air dispatches, to systems for incorporated bookkeeping and installments preparing frameworks. The meaning of an immediate cash exchange – not with check, but rather by ATM or direct PC association – is pushing relentlessly toward “real time,” on a standard with trades of money, however without the should be physically vis-à-vis. Furthermore, the nearer innovation conveys us to ongoing remote installments, the nearer we are to bona fide 24-hour managing an account and exchanging, and an overall arrangement of benefits that may be utilized for riches stockpiling, in any event for the individuals who will acknowledge some money hazard. Right off the bat, it is the youthful, male, urban transients who are driving the take-up of administrations – client reception. Being early adopters of innovation, these transients are normally better taught and acquire higher wages than those in the town. Since these vagrants are the senders, they can pick the channel for cash exchange. They at that point impact beneficiaries in the rustic zone—who are generally female, less taught and poorer—to likewise utilize M-pesa. M-pesa has been fruitful in light of the fact that it depends on customary practices and structures and modernizes these highlights. It is without a doubt a model in light of indigenous installment rehearses, broadened cell phone systems and a huge appropriation arrange. With this administration, Kenyans can open up an advanced record on the mobile phone, send and get cash, pay charges like power and get credit. Clients can likewise pull back cash from ATMs The appropriation arrange depends on operators who were at that point exhibit in business sectors. Operators get essential preparing from M-pesa. Just three months after the dispatch of M-pesa, the administration had 400 specialists, contrasted with 450 bank offices and 600 ATMs in Kenya. By mid 2009 M-pesa had 3400 operators. Safaricom’s M-pesa benefit in Kenya was one of 10 private segment activities in 2008 to be perceived by the World Business and Development Award as making a noteworthy commitment to the UN Millennium Development Goals. M-pesa has additionally been perceived by a few different honors, including: Stockholm Challenge 2008 – Winner, Economic Development classification ( M-pesa) Kenyan Banking Awards 2007 and 2008 – Special Award for Product Innovation (M-pesa) Worldwide Mobile Awards 2008 – Nominated, Best utilization of Mobile for Social and Economic Development (M-pesa) Worldwide Mobile Awards 2008 – Winner, Best Broadcast Commercial (M-pesa ‘Send Money Home’ TVC) AfricaCom Awards 2008 – Changing Lives honor and Best Solution for Rural Services grant MSK Warrior Awards 2008 – Best Innovation. Kenya’s ind>