Consumer Attitudes Towards Growth Of Amana Takaful Insurance - Free Essay Example

Sample details Pages: 7 Words: 2248 Downloads: 7 Date added: 2017/06/26 Category Statistics Essay Did you like this example? Changing consumer attitude towards growth of Amana Takaful Insurance Introduction The need for safety and security is very basic to human nature. In todayà ¢Ã¢â€š ¬Ã¢â€ž ¢s, world one cannot think of trade and commerce without insurance. No financial planning and risk management can be complete without life insurance. The concept of insurance as it evolved initially was an arrangement of mutual help in times of need and distress rather than a business proposition for risk management as practiced today. Takaful is derived from an Arabic word which means solidarity, whereby a group of participants agree among themselves to support one another jointly against defined loss. In a Takaful arrangement, the participants contribute a sum of money as wholly or partially tabarruà ¢Ã¢â€š ¬Ã¢â€ž ¢ (donation) into a common fund, which will be used mutually to assist the members against a defined loss or damage (Islamic finance service board report 2006) Don’t waste time! Our writers will create an original "Consumer Attitudes Towards Growth Of Amana Takaful Insurance" essay for you Create order Takaful is a risk management concept that is based on mutuality and partnership. When simply translated Takaful means Joint Guarantee in which several parties are involved. It brings people together in a joint effort towards safeguarding the interests of all by pooling in their donations so that the unfortunate few may benefit from the contributions of fellowmen. Thus, they become joint owners of the fund and help safeguard its interests. The rise of Takaful was due to the perennial need for a scheme of insurance void of interest, uncertainty and chance to be replaced with transparency, justness and mutual benefit. Takaful is an Islamic insurance concept which is firmly grounded in Islamic financial principles, observing the rules and regulations of Islamic law. This concept has been practiced in various forms for over 1400 years. (https://www.takaful.lk/takaful_conceptnew.php) Amana Takaful insurance started its operation on 1998 pioneering the Takaful concept in Srilanka. Currently company offers both General and Family insurance solutions. Listed in the Colombo stock exchange and operations have expanded to many part of the country and also in Maldives. Amana Takaful is the first insurance company in Srilanka to pioneer the process of refunding surplus at the end of each policy term. (Amana Takaful Annual Report 2009) The need of Takaful is currently felt in the market with the introduction of many Islamic financial solutions as well as dedicated Islamic financial Units among the conventional institutions; recently the numbers have been on increasing trend. Presently Amana Takaful insurance provider in the country and has been in the forefront of spreading the word of the Takaful way of insurance that has grown to be liked by many and revered by all for more than 10years. Peoples awareness about the Takaful industry in the country has increased during the last decade. Currently Takaful has 18 branches in the country and fully fledge operation in Maldives. With the current peaceful situation in the country economy is expected to grow and Oppurtunities for insurance industry growth is very high. To reap the benefit of the current development Amana Takaful insurance should be equipped with all the resources to face challenges posed by the market. The purpose The purpose of the research is to explore the mechanism to change consumer attitude towards growth of Amana Takaful insurance. Goals of research To identify the reason for customer purchase of Takaful Oppurtunities for Takaful Insurance To Identify The challenges in the market To Identify the required changes in the company for growth Importance of the issue Currently only Takaful operator in the country and being in operation for ten years company profit margin remains very low comparatively to the conventional competitors. Identification of core cause of the situation will be beneficial to plan in long term and identify the appropriate future direction of the company. Literature Review According to Billah (2001) the objective of Takaful is to diversify the risk among the members. In a practical sense, Takaful can be visualized as a method of joint guarantee among participants against loss and damage that may be inflicted upon any of them. The members of the group agree to guarantee jointly that should any of them suffer a catastrophe received certain amount of money to meet the loss and damage Islam aims at establishing a peaceful society. Peace in the society can be ensured only when there is guarantee against à ¢Ã¢â€š ¬Ã‹Å"Riskà ¢Ã¢â€š ¬Ã¢â€ž ¢ (subsistence) for all individual constituting the fund-pooling institute. Insurance is to act as a risk transfer mechanism, to provide peace of mind and protect against losses. Either can handle risk: assumption, combination, transfer, or loss prevention activities. Insurance schemes utilize the combination method by persuading a large number of individuals to pool their risks into a large group to minimize overall riskà ¢Ã¢â€š ¬? (Ali, 2000). According to Al-Omar (1996) the risk sharing is very important with in Islamic finance. The shariahà ¢Ã¢â€š ¬Ã¢â€ž ¢s manages the risk sharing by insisting on the use of well- defined contracts when financial transactions taken place. The contract is to be clear and well formulated to avoid all kinds of misunderstanding and confusion. In this way the uncertainty is lowered and the desire to minimize the risk is met Conventional insurance and Takaful has certain operational differences According to Archer Abdel (2002) the shariahà ¢Ã¢â€š ¬Ã¢â€ž ¢s does not allow certain condition as interest (riba) and gambling or speculation (maysir). From shariahà ¢Ã¢â€š ¬Ã¢â€ž ¢s point of view, business and investments made by Muslims must be conducted in responsible and committed way. Further describing the distinctions Billah (2001) describes the distinction between the conventional insurance and Takaful business is more visible with respect to investment of funds. While insurance companies invest their funds in interest-based avenues and without any regard for the concept of Halal-o-Haram. Takaful companies undertake only shariah compliant business and the profits are distributed in accordance with the initially agreed ratios in the Takaful contract. Likewise they share in any surplus or loss from the pool collectively. Takaful system has a built-in mechanism to counter any over-pricing policies of the insurance companies, because whatever premium charged, the surplus would normally go back to the participants in proportion to their contributions. The nature of the principles of Takaful is different from the conventional insurance because all the operation in Takaful is in line with the Shariah principles. The operation of Takaful is based on the principle of Al - Mudhuraba which is profit and loss sharing techniques which is alternative to interest (Riba) in Conventional Insurance. In Takaful the element of uncertainty is eliminated as subscription and compensation is concerned Takaful in Srilanka Presently Amana Takaful is the only provider of Takaful insurance products and services to the market. Amana Takaful insurance has been in the forefront of spreading the word of the Takaful way of insurance that has grown to be liked by many and revered by all for more than 10years. Peoples awareness about the Takaful industry in the country has increased during the last decade. The versatility of the product range is also a strength that helped to satisfy the needs of customer. Currently Takaful industry lacks an strong and highly capitalized market to meet the growing demand of customers. Sixteen (16) of them are composite companies, Seven (07) of them engage in only General Insurance business and two (02) companies engage only in Long Term (Life). Currently , 43 insurance broking companies were registered with the IBSL in terms of Section 82 of the Act. Insurance Broking companies and Insurance Agents as intermediaries have made a valuable contribution to the industry. Presently the tariff is not observed in the market by the insurers. The gross written premium from Long Term (Life) and General Insurance Business in 2009 is added up to Rs.57,919 Million. In the year 2008, the overall gross written premium was Rs.58,166 Million. Corporate Governance Practice Generally, corporate governance in Islamic insurance institutions distinguish in many forms to that of its conventional counterparts, most importantly Islamic finance institutions need to ensure that they comply with the Shariah (Islamic law) meaning that unlike secular governance practices Shariah would first examine at the transactional structure to find whether the process involves any activities or elements that contradict the profits generation. Also Islamic insurance institutions must invite customers to contribute an active role in the governance process. Regulatory and legislative issues The insurance industry is regulated in terms of the provisions of the Regulation of Insurance Industry Act,No.43 of 2000 (RII Act). The Insurance Board of Sri Lanka (IBSL) was established under this Act in order to develop, supervise and regulate the insurance industry in Sri Lanka. Over the past year, the IBSL has embarked upon several activities to develop, supervise and regulate the insurance industry with a view to ensuring that the best interest of the Policy-holders and potential Policy à ¢Ã¢â€š ¬Ã¢â‚¬Å" holders. During the previous year IBSL has strengthened its monitoring process in order to ensure the financial stability of insurance companies and insurance brokers.By virtue of powers vested in the IBSL in terms of Section 15 of the Act, eighteen (18) Insurance Companies (Insurers) registered with the Insurance Board of Sri Lanka (IBSL), are presently underwriting insurance business. Methodology The method which will be used for the research is a combination of qualitative and quantitative. (van Maanen,1983) defined the qualitative method as an array of interpretive techniques which seek to describe, decode, translate and otherwise come to terms with the meaning , not the frequency of certain more or less naturally occurring phenomena in the social world. (Orna and Stevens,1995) describe research can be regarded as being à ¢Ã¢â€š ¬Ã‹Å"searching by means of careful, critical investigation in order to discover something specificà ¢Ã¢â€š ¬Ã¢â€ž ¢. In addition analytical and comparative approaches to research will also be applied where Appropriate by conducting scrutiny on relevant documentation with reasonable broad and in-depth study of the subject matter and making some comparison where necessary. This is to ensure coverage on the locus and focus of the issue under-studied are reasonably justified in holistic nature and thus retaining the scientific characteristics of this study (Mohd Nasir, 2004) Sampling Frame The population that has been identified in this study are the customers , employees, insurance users , financial institutes and potential population to insurance products. Quantitative research is justified here because the findings are expected to be representative of the target population. The larger the sample is, the more likely the results will be representative of a larger population (Rose et al, 2005; Saunders et al, 2000, p.155). The chosen sample, the method of data collection, the time requirements and the financial limitations. Judgemental sampling is a form of convenience sampling based on the judgement of the research in the selection of a relevant respondent to the study (Malhotra Birks, 2006, p.364). Both methods have also been chosen based on their small cost and time requirements (Saunders et al, 2000, p.177). Judgement will be used to analyse the individual motives to Islamic financial products Data collection Method Questionnaire will be design and use for gathering information required and further In order to establish the trueness of this assertion, interviews will be conducted with the sample. Field study using observation and interviews approaches will also be carried out in an effort to validate the above assertion in the hypothesis and thus ensuring the reliability of the findings from this study. The interviews were aimed at getting into the insight of the understudied issue from the perspective of the operators, users, regulators and both external and internal auditors. Secondary Research Research will involve secondary research and data will be gathered using sources such as journal articles, trade press and the internet. The aim will be to explore the mechanism and the possibilities of converting customers toward Amana Takaful insurance. Data collection process Two techniques used for data collection and questionnaire completion will be conducted through Emails and questionnaire delivery/collection techniques. Questionnaires delivered via email are easy to administer and to return. It also is cost advantageous. Email also guarantees that the respondent is representative of the target population. This technique also has the advantage of being more secure in terms of control, access and response (Witmer et al.,1999) and (Saunders et al., 2000). The other technique used is the delivery/collection of questionnaires was direct face to face interview with the sample population. Limitations The major limitation of this study is the methodology used for the sample, the research design, questionnaire design and the data collection. The sample can be seen as one key limitation for this paper in terms of representation and size. Even though the sample chosen limit the irrelevance of the findings, other demographics should have been considered. This would have allowed the results to be more representative of a broader scale. In addition, the size of the sample makes conclusions on open to critique. A large sample would have been tougher to get while including participants from different backgrounds and demographics, though it might have increased the relevance of the findings and the overall credibility of the research. Conducting quantitative research alone can be seen as a limitation as well. The validity of the results from the questionnaires would be better supported with the addition of a focus group or depth-interview. Access and Ethical Issues Access My personal influence will be used to make contact with the relevant individuals within the sample. Further relevant regulatory bodies will be contacted by an introductory letter, outlining the purpose of the research, how they might be able to help and what would be required. Ethical Issues Since the subject area surround some ethical issues pertaining to Islamic belief research will be conducted avoiding these matters and sensitive issues will not be taken up on the research.

Top Gun ( La Times ) - 957 Words

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Identify The Regional Economic Issues Evident At 7 Eleven - Sample

Question: Discuss about the Identify The Regional Economic Issues Evident At 7 Eleven. Answer: Introduction: As stated by Hill, Jones and Schilling, (2014), regionalisation is the process of engaging within a close geographic region in order to gain advantage of the common ground trade, economic agreements and partnership that would provide benefit to the member nations operating in the particular region. The initiative of the regional partnership agreement is to acquire economic benefits from the pool of consumers of the particular region. 7 Eleven is an international chain of convenience stores that operates in franchises and licenses in over 18 countries. The organisation has been operating in Australia for more than four decades (7eleven.com.au, 2017). A number of issues have been filed against the organisation related to the wage theft. The purpose of this report is to identify the regional economic issues evident at 7 Eleven and propose a number of recommendations that would eventually help the organisation to carry out its organisational activities in a proper way. Overview of the organization: 7 Eleven is a company that has the members like directors or CEO. A company has some legal liabilities that it has to adhere. There are strict standards under the Corporations Act that requires reporting to Australian Securities and Investment Commission. For most trading businesses, a company is more limited by shares and liability of the shareholders than their own value of shares. 7 Eleven is such a company that has to obliged by the rules and regulations designed meant for the companies to operate. It operates in different parts of the world by the major means of franchise. In fact, the Company has been ranked in No. 3 spot in Entrepreneur Magazines 31st Annual Franchise 500 (7eleven.com.au, 2017). 7 Eleven has been operating in the market of Australia since 1977. It is a privately owned company by the Withers and the Barlow family. It has the license of operating with franchises in 7 Eleven stores in Australia from the US based 7 Eleven Inc. In the recent time, the company has more than 630 stores operating all over the country including Queensland, New South Wales, the Australian Capital Territory, Victoria and Western Australia (7eleven.com.au, 2017). It has more than 190 million transactions a year and has been serving six customers per second. The organisation generates sales of approximately $3.6 billion. Impact of Regional Economic Issues: Regional economic integration is the agreement among the countries in the geographic region aims at removing the tariffs and non-tariffs barriers that a free flow of the goods and services carries on. As commented by Whalley, (1998), that in the last few decades the proliferation of the regional trade bloc has unprecedented contribution towards regional economy and have secured the free flow of goods and services. Economic and social crisis has haunted regions of Australia. There has been a change in the political landscape of Australia by the rise of Pauline Hansons One Nation and Independents. Focus has been made on increasing the global presence but the major objective always remained at considering the well being of the people working for the organization. However, in the lieu of greater expansion, major organisations are now exposed to domestic competition (Abc.net.au, 2016). As a result of the increasing competition, the organisations are being found to compromise on the cost o f the workers that directly determine the allocation of the resources. As argued by Wallis, (2015), in Australia the financial and the labour market has been more evident in this respect. The major organisations are considering the wage of the employees and workers determined by the market. The provision of compromising the wage with the workers seemed to create greater distress in the overall business activities. Similar issues have been identified in the organisational activities of 7 Eleven. In the last couple of years, since 2015, 7 Eleven, operating in Australia has been criticized with respect to a number of parameters. In 2015, it was reported that the company has been conducting certain ill employment practices. The investigation showed that the employees and the workers were underpaid. The workers are found to paid around A$ 10 to $A 14 per hour (Business Victoria, 2016). The legal issue that has been identified against 7 Eleven is that the major franchisees were found to maintain the pay record that would show that the employees have been paid ethically but what actually included in the report was record of half of the hours of work that the employees did in the complete week. Therefore, it clearly signifies that the employees are paid half compared to what they should actually being paid. In fact, to add to unethical practices, it was also found that the workers were often not paid loadings and penalty rates that are legally entitled to pay to the workers, for ex ample, for overtime or night duty or even on the public holidays. Identification of critical issues: The economic and the monetary union entail economic integration and cooperation. Economic union requires the free flow of products from the major country to the member country. This definitely requires the adoption of a common trade policy like considering the tax rate, common monetary and fiscal policy. The Australian economy has increased at a rate of 2.3% in the last 2014-2015. This clearly gives evidence that the labour market would flourish because of the presence of a strong growth ahead. Major organisations are facing issues in terms of adjusting with the domestic and global economic reforms. As evident by reading Williams, Hickey and Nader, (2011) that there has been an increase in the GDP from 6.1% to 11.5%; but the prices of main commodity exchange has declined to a great extent over the past few years. This created constrain in the prices and expenses of the commodity from a higher level. This created a situation where the common people and the households have been found t o become softer towards their domestic spending (Australian Institute of Company Directors, 2016). Major businesses have been considering their spending and investment. Government is also focused on the fiscal consolidation as the world economy is getting fragile (Smh.com.au, 2016). The IMF has downgraded the outlook of the global growth in the past few years it has resulted in the decline from 3.8% to 3.6% (Frei, 2008). The value of Australian dollar has also fallen by over 23% that automatically created an impact of the price of the commodity because weaker exchange rate can lead to long-term challenges for the Australian economy. In order to combat against the increasing fiscal and economic challenges in the market, 7 Eleven has been found to undertake certain initiatives. For instance, the organisation has recently being reported to replace the cashier and the employees with technological amenities. As commented by Munson and Jackson, (2015), that there are major organisations that undertake the approach of technology for carrying out organisational activities but not on the cost of the employees rights. For instance, the organisation has planned to completely rely on the payment option by cards or mobile and removing the cashiers from their respective positions. This approach has been undertaken by major other organisations as well to fight against certain challenges like lack of workers or for reducing the work load of the employees, but the approach undertaken by 7 Eleven is to slash away the employees and rely completely on the technology which is a wrong approach (Williams, Hickey Nader, 2011). Recommendations to improve organizational performance: With the analysis of the issues and the challenges faced by 7 Eleven, it is important that the organisation undertakes certain serious approaches towards their business activities that would help it to improve its organisational performance. Some of the major steps that the organisation could easily undertake can be mentioned here: Conducting a comprehensive market analysis: The Trans Pacific partnership agreement between the major organizations in the Trans-Pacific Regions, like Australia, Japan, Canada and others that negotiated in strengthening the regulatory coherence among the major organisations to promote economic development and also focus on the transparency of the laws and regulations in terms of employment. This would create better opportunities and benefits for both the workers and the consumers. Commitment to regional approach: 7 Eleven needs to focus on the development of the production and supply chain. This would eventually create better employment scope and would also improve the standard of living of the workers and employees. Enhancing conservation effort and facilitating the cross border integration shall be beneficial for the domestic market. 7 Eleven could focus on building up their own supply chain that would eventually reduce their overall expenses and the organisation would be able to pay the right amount of money to the workers. Addressing new market challenges: It is also important to promote innovation and take a competitive approach towards the organisational activities. Coming up with technological advancement and considering digital economy, are some of the steps that the organisation would easily undertake in order to fight against the increasing competition. Taking the opportunities of the market: The economic reforms have also focused on the part that ensures the development of the businesses in all level. It can be recommended that an organisation can easily take the benefits and opportunities of the market to ensure proper advantages and benefits to the organisation and the employees working in it. Conclusion: A detailed analysis on the organisational activities has been carried on in this report. It has been found that the organisation has been operating in the regions of Australia as a means of franchise of the company. The organisation has been certain issues in terms of its operational activities. The poor condition of the employees has lead to the situation that created major dispute in the organisational management. There are major evidences that clearly show how the situation of the employees has been degraded in the organisation. This is the reason that the organisation has come under criticism. It has to be understood that economic reforms and crisis are common but it shall remain the major objective of an organisation to consider the situation of the employees as well and design organisational policies likewise. In order to overcome these distresses, certain recommendations have been made. It is expected that if 7 Eleven undertakes these approaches, it would improve the organisat ional activities in the future. References: 7eleven.com.au (2017) About us. Retrieved from: https://www.7eleven.com.au/about-us [Accessed on 29-5-2017] Abc.net.au (2016) 7-Eleven: More workers speak out about 'cash back' scams Retrieved from: https://www.abc.net.au/news/2016-12-14/7-eleven-workers-speak-out-about-cash-back-scam/8113622 [Accessed on 29-5-2017] Australian Institute of Company Directors, (2016). Guiding Principles of Good Governance, AICD Retrieved from: https://www.companydirectors.com.au/director-resource-centre/governance-and-director-issues/guiding-principles-of-good-governance [Accessed on 29-5-2017] Australian Securities and Investments Commission, (2016) Corporate Governance on ASIC Retrieved from: https://asic.gov.au/regulatory-resources/corporate-governance/ [Accessed on 29-5-2017] Business Victoria, (2016). Setting up a Business, Business Victoria Retrieved from: https://www.business.vic.gov.au/setting-up-a-business/business-structure [Accessed on 29-5-2017] DFAT, (2016). Trans-Pacific Partnership Agreement, Department of Foreign Affairs and Trade Retrieved from: https://dfat.gov.au/trade/agreements/tpp/Documents/tpp-overview.pdf [Accessed on 29-5-2017] Economist, (2016). The Economists Guide to Britains EU Referendum Retrieved from: https://www.economist.com/news/britain/21700592-brexit-briefs [Accessed on 29-5-2017]. Frei, F. X. (2008). The four things a service business must get right.Harvard business review,86(4), 70-80. Hill, C. W., Jones, G. R., Schilling, M. A. (2014).Strategic management: theory: an integrated approach. Cengage Learning. Munson, C. L., Jackson, J. (2015). Quantity discounts: An overview and practical guide for buyers and sellers.Foundations and Trends in Technology, Information and Operations Management,8(12), 1-130. Smh.com.au (2016) How 7 eleven is ripping off its workers Retrieved from: https://www.smh.com.au/interactive/2015/7-eleven-revealed/ [Accessed on 29-5-2017] Wallis, M. (2015). Why corporations should have their special status reviewed. The Conversation at the Conversation Retrieved from: https://theconversation.com/why-corporations-should-have-their-special-status-reviewed-42644 [Accessed on 29-5-2017]. Whalley, J. (1998). Why do countries seek regional trade agreements?. InThe regionalization of the world economy(pp. 63-90). University of Chicago Press. Williams, T., Hickey, M., Nader, T. (2011).Cambridge HSC Business Studies 2ed Toolkit. Cambridge University Press.

Life... The Before After free essay sample

Growing up, I thought that Heaven was just a fairytale, and that Jesus and the stories from the bible were just stories that people like to tell. I was born from a non-Christian family, but was adopted to a Christian family. Every Sunday, I would go to church with my parents and I would listen to what my Sunday school teacher say about Jesus, but at that time I didn’t realize that I needed to get save in order to get to Heaven. I thought church was like school, it didn’t really mean a thing to me. But as I grew older I became to realize that I was a sinner and that there was a missing piece in my life. On December 24, 2001, I was swimming in our pool outside our house when I overheard my mom sharing the gospel to my niece. I didn’t understand what she was talking about, so after they finished talking, my niece prayed and I thought that was quite weird, so I waited until my niece left and I went inside the house to ask my mom what was that all about. We will write a custom essay sample on Life The Before After or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I would never forget that question my mom asked me, â€Å"Do you know where you’re going after you die?† at that moment, that’s when I realize I had no idea where I would go after death. I knew the right answer for that question, but in my heart I didn’t really know where I would spend eternity. That day my mom shared the gospel to me. One verse that I would never forget is Romans 6:23- â€Å"For the wages of sin is death; but the gift of God is eternal life through Jesus Christ our Lord.† Realizing that I was a sinner and that I needed Christ in my life, as a 5th grader of Capt. Price Elementary School in Guam, I received the gift of God and placed my trust in his son Jesus Christ. I was happy about my new faith, but as I grew older, went to Jr. High and then Senior High, I started to lose my faith. I became in love with the world, I wanted to be part of it. During my teen years in high school, I started hanging out with the wrong crowd, I literally became a hypocrite. I had 3 or probably more personalities than any other person on this planet. At school, I was a person who caused trouble, gossiped, cussed, and did things that I knew was wrong. When I’m at home, I continue my sin but in secret. I started being rebellious to my parents, and then when I went to church, I pretend to be a good Christian. I knew that I needed to repent and ask God for forgiveness, but I just couldn’t. I was too caught up in the world. Then on February 06, 2009, God gave me a lesson to learn. That night of Feb.06, 2009, God took my mother home. My heart broke with regret and I became bitter against God. I was only 17 years old in my junior year in high school. At that time I was being completely selfish, and I was so angry at God for not letting my mom live to see me graduate from high school. My senior year in high school, I was still enjoying the world, I didn’t care what others thought about me, or how much I was hurting my family. Then finally graduation day came and I still hadn’t applied for college. During the summer that’s when I decided that I needed a way out of my life and I thought that going to a Christian college would help. I ended up applying for Harvest Baptist Bible College, which was the last school on this earth I’ve ever wanted to attend. As I attended classes here, each day I became aware that I’d backslid and that I needed to return to God. Then Dr. Vaughan came and preached for our summit meeting. During that week, God convicted my heart. Two nights in a row Dr. Vaughan talked about forgiveness and obedience. Those two nights I cried remembering all the wrongs I’ve done, how I hated God for taking my mother and how I hated my mom for leaving without saying goodbye. I cried of my disobedience to my parents, and most of all I cried because of the sins I’ve lived in and realizing that I needed to be forgiven and how I nearly threw away all the things I’ve learned about God, how wonderful and merciful he is. On October 05, 2010, I rededicated my life to God. Since then, I’ve been yearning to learn more about God and wanting to be close to him. I thank God for being so merciful to me and for having other Christians to help me grow and help me when I’m going on the wrong path. God has been working in my life tremendously; I’ve learned that forgiveness is not a feeling but a choice and I chose to forgive my mother, knowing that I will see her again in heaven some sweet day. I asked my dad for forgiveness, something that I’ve never done before. I’ve seen how God has been working in the lives of those around me, and I know that wherever He wants me to be, He will lead me there.