Music Therapy and Child Abuse - 2013 Words

Literature Review The purpose of this study is to assess the relationship between survivors of child abuse in music therapy sessions on reported self-esteem and perceived locus of control. Sawyer and Judd (2012) define child abuse as a â€Å"tragedy that harms children psychologically, emotionally and physically while disrupting healthy development.† Survivors of childhood trauma must live in fear of the accused perpetrator, go to numerous court proceedings, and manage complications associated with changes in family dynamics. Even though it is typically paired with abuse, because child neglect is legally separated, it will not be included in this study when referring to typical abuse (Sawyer Judd, 2012). As cited in an article by Sawyer and†¦show more content†¦These traditional therapies help with client’s psychosocial needs, but often fail to take into account the victims broken relationship with their physical body. Dance is another universal language, simi lar to music therapy (Miles Daniluk, 2002). This study found that a body-inclusive counseling approach is important when working with survivors of child trauma. It is only natural for music therapy to be used to treat survivors of childhood trauma. Music therapy has already been widely used with abused women and men. Hernà ¡ndez-Ruiz, 2005, studied the effect of music therapy on anxiety and sleep patterns of abused women in shelters. Domestic violence effects 22.1% of the women in the United States Hernà ¡ndez-Ruiz, 2005; those who have been abused are more likely to abuse others (Myers, 2005). In this study, Hernà ¡ndez-Ruiz states that these women have the following symptom: Post-Traumatic Stress Disorder (PTSD), maladaptive coping mechanisms, perceived absence of support, anxiety and depression. These are similar symptoms that are suggested for victims of child abuse. The researcher found significant differences between those subjects who received music therapy and those who did not receive music therapy. In another study with women who have experienced intimate partner violence by Teague, Hahna and McKinney in 2006, the researcher studied the effects of music therapy with creative arts on anxiety, depression and self-esteem. Silverman states thatShow MoreRelatedMusic Therapy And How Music Is A Positive Non Pharmacological Way Of Coping With Mental Illness Essay1438 Words   |  6 Pagesdisorder (McDougall T, 2011). Music and emotions go hand in hand. When you think of your favorite song, it usually puts a smile on your face. Music is a powerful influence because it helps us experience feelings we might be avoiding or feelings we don’t even know are there. When ignored, our emotional health suffers. It’s hard for some people to express their emotions, especially painful or sad ones. In this paper, I will explore the benefits of music therapy and how music is a positive non-pharmacologicalRead MoreMusic Therapy And Its Effects854 Words   |  4 PagesMusic therapy is not currently a widely recognized option of treatment. If an individual goes to see a healthcare professional nowadays, it would be highly unlikely that that individual would receive a recommendation for music therapy treatment. Yet, music therapy is an established field of medical science that dates back to the time of the ancient Greeks. So, what is music therapy? Music therapy is defined as â€Å"treatment including creating, singing, moving to, and/or listening to music† (â€Å"What isRead MoreEssay On Complementary Therapies1141 Words   |  5 Pageshealth conditions are often more effectively addressed with the integration of complementary therapies (Burns et al., 2017). Children and families are turning to CAM for hope in managing illnesses and improving quality of life. CAM includes a variety of products and therapies, new and old, many requiring more research regarding their safety and effectiveness. The largest gap in research of int egrative therapies is in the pediatric population (McClafferty et al., 2017). This lack of data regarding theRead MoreEssay Cerebral Palsy1151 Words   |  5 Pagesapparent until the child is a few months old. â€Å"Ten percent of children who have CP acquire the disorder after birth† (www.ucp.org). This acquired CP is usually caused by brain damage that occurs while the child is a few months old. A car accident or child abuse could be a factor in causing CP in a child that is a few months old. Doctors today classify CP into three categories. The most commonly diagnosed CP in children is called spastic cerebral palsy. This mean the child cannot control orRead MoreA Field Project For Our Business And Society Class By Ricardo Montaner And Marlene Rodriguez Miranda1562 Words   |  7 Pagesthe beneficiaries, and promote zoo-interaction, aqua-experience and equestrian activities, as a fundamental right for each child from its start in life or when the special condition is identified. IMPORTANT FACTS ON: HAI, AQUA-EXPERIENCE AND EQUESTRIAN ACTIVITIES. During the last decade it has become more widely accepted that pet ownership and animal assistance in therapy and education might have a multitude of positive effects on humans. Among the well-documented effects of HAI in humans of differentRead MoreRay Charles Addiction827 Words   |  4 PagesCharles was suffering from substance abuse disorder. Substance disorder is defined as a complex behavioral disorder characterized by preoccupation with obtaining alcohol or other drugs (AOD) and a narrowing of the behavioral repertoire towards excessive consumption and loss of control over consumption. It is usually also accompanied by the development of tolerance and withdrawal and impairment in social and occupational functioning. Ray Charles continued substance abuse caused fights at home, problemsRead MoreDr. Cash And The Depression1610 Words   |  7 PagesJohnny Cash with Major Depressive Disorder as well as Alcohol, Stimulant and Sedative Use Disorder from prior drug and alcohol abu se. It is important to note Johnny states he has been in remission from drugs and alcohol for 40+ years which classifies as sustained remission. I do discuss how he can possibly recover from this disorder. I have chosen the method of family therapy and behavior changes. Mr. Cash will greatly benefit from a strong support system in contrast to the confinement he has chosenRead MoreMusic Education and the Benefits Essay examples1700 Words   |  7 Pages Most understand that music is a useful tool for relaxation and leisure time. Fewer know that learning a musical instrument, or even listening to music for long periods of time, can have a positive impact on one’s academic abilities. Numerous researchers and college professors have looked into this correlation and again and again have produced data that confirms this common theory. Studying music can not only improve academic skills, but sharpen motor skills, memory, and create a well rounded, enrichedRead MorePost Traumatic Stress Disorder ( Ptsd )1538 Words   |  7 Pagesthe treatment and therapy to recover and heal. People don’t consider the psychological impact traumatic events may leave. Children go through many difficult things throughout their lives. About 3% to 15% of girls and 1% to 6% of boys develop PTSD. 65% of the abuse it being neglected , 18% physical abuse, 10% sexual abuse and 7% is from mental abuse. Usually these parents don’t pay attention to their children so they tend to feel worthless and low self worth. Whenever a child is physically abusedRead MoreWilderness Therapy : An Alternative Therapy1442 Words   |  6 PagesWilderness Therapy The wilderness is a place known for peacefulness and can have physical and psychological benefits (Hassell, Moore Macbeth, 2015). Wilderness therapy is an alternative therapy, influenced by Outward Bound, which is an outdoor education company with programs for youth and adults. (Hoag, Massey, Roberts, Logan, 2013). Wilderness therapy combines group work, reflection, challenges and trust building exercises, varied length, and clinical assessment (Russell, 2001). Wilderness

Essay about A Comparison of Beowulf and Grendel - 935 Words

The story of Beowulf is a heroic epic chronicling the illustrious deeds of the great Geatish warrior Beowulf, who voyages across the seas to rid the Danes of an evil monster, Grendel, who has been wreaking havoc and terrorizing the kingdom. Beowulf is glorified for his heroic deeds of ridding the land of a fiendish monster and halting its scourge of evil while the monster is portrayed as a repugnant creature who deserves to die because of its evil actions. In the epic poem, Beowulf the authors portrays Grendel as a cold-hearted beast who thrives on the pain of others. Many have disagreed with such a simplistic and biased representation of Grendel and his role in the epic poem. John Gardner in his book, Grendel set out to change the†¦show more content†¦Grendel, is thus seen as the descendant of an individual who epitomizes resentment and malice in Beowulf. The author states Grendel lives in exile and is seen as â€Å"mankind’s enemy†(Raffel, 22). Grendel is the representation of all that is evil and he is declared to be the â€Å"shepherd of evil and the â€Å"guardian of crime†(Raffel, 33) by the Danes in Beowulf. The author describes Grendel to be an evil, cruel, apathetic creature who’s pleasure lies in attacking and devouring Hrothgar’s men. The author describes Grendel’s malice by painting a gruesome picture of Grendel’s countless attacks on the mead hall in which he exhibits Grendel as a heartless, greedy, and violent being who mercilessly murders the men at the mead hall by tearing them apart, cutting their body into bits and drinking the blood from their veins. The author describes Grendel’s greed by stating Grendel’s thoughts were as â€Å"quick as his greed or his claws†(Raffel, 21). He describes Grendel’s as having eyes that â€Å"gleamed in the darkness and burned with a gruesome light†, swift hard claws and great sharp teeth which paints a picture of Gren del’s frightening appearance in the reader’s mind. In contrast to the traditional story of Beowulf, Grendel in John Gardner’s novel, Grendel is not depicted as a monster but as an intelligent creature capable of human thought, feelings and speech. John Gardner portrays Grendel as an outcastShow MoreRelatedGrendel And Beowulf Comparison1192 Words   |  5 Pagesbest people I know and someone I strive to be more like. Is my Daddy like the hero Beowulf or the monster Grendel? The answer can be found by comparing my Daddy, Beowulf, and Grendel on their character, actions, and the impact they have on others. A persons character says a lot about them, in a way it is what defines them. Your character is what you are known for. Beowulf, a fictional hero in the epic poem, â€Å"Beowulf† is perceived to be a very noble, honorable, good man. No, man would not do justiceRead MoreGrendel vs. Beowulf Comparison901 Words   |  4 Pagestranslation of Beowulf and John Gardner’s Grendel. Both novels are based on the idea of Beowulf killing Grendel. However, the two different points of view telling the story create vastly different novels. Beowulf highlights the heroic and positive world in which Beowulf lives. Whereas Grendel elucidates on the miserable life that Grendel is circumscribed to. The consistent variance in tone skews the events in two completely different directions. The tone between Beowulf and Grendel differ in perceptionRead MoreThe Characters And Comparison Of Beowulf And Grendel747 Words   |  3 PagesSympathetically connecting to Grendel In the both works, Beowulf and Grendel, Grendel is portrayed in different matters.The setting of the works take place in the Anglo-Saxon time period, which was present from the years 450- 1056, and the works introduce phenomenal characters. Beowulf, is a Geatish warrior, casts to Denmark to extinguish the danger that roams through the city, saving the people from the hideous creature. Being described as a brave, courageous,and effective, to protect the humansRead MoreA Comparison of Grendel in Beowulf and John Gardners Grendel 739 Words   |  3 PagesIn both works, Beowulf and Grendel, Grendel himself is generally given the same connotations. He is given kennings, called names, referred to as the evil spawn of Cain, and even viewed as a monster; but why? Why in both books is he a wicked, horrible, person who is harshly excluded from everyone? After stumbling upon John Gardners book, it was halfway expected that some excuse would be made for Grendel; that he wasnt really the in exorable monster the thanes in Beowulf portrayed him as. But allRead More A Comparison of Nihilistic and Christian Archetypes in Beowulf and John Gardners Grendel2146 Words   |  9 PagesGrendel, Beowulf and the Relationship Between Nihilistic and Christian Archetypes The Wisdom god, Woden, went out to the king of trolls†¦and demanded to know how order might triumph over chaos. â€Å"Give me your left eye,† said the king of trolls, â€Å"and I’ll tell you.† Without hesitation, Woden gave up his left eye. â€Å"Now tell me.† The troll said, â€Å"The secret is, Watch with both eyes!† Woden’s left eye was the last sure hope of gods and men in their kingdom of light surrounded by darkness. AllRead MoreBeowulf Monster Vs Hero Essay1557 Words   |  7 Pagesdoes that cancel out their villainy? And vice versa? While Beowulf exhibits a multitude of heroic attributes, his undermining beast like qualities are hard to miss, and essentially pose the question to the reader: What is the relationship between monster and hero, and is there an overlap? The epic Beowulf blurs the lines between what it means to be a hero and villain through the manifestation of an â€Å"evil twin† story between Beowulf and Grendel. Word choice plays a large role in regards to how a characterRead MoreTheme Of Hypocrisy In Beowulf1437 Words   |  6 Pagescorrespond with those standards. The theme of hypocrisy can be detected within the epic poem Beowulf. In this lengthy poem, the Danes are being terrorised by a demon named Grendel. Upon hearing of the Danes predicament, Beowulf, a Geat hero sets out with fourteen other men to help the Danes. All fourteen of them travel across the sea till they reach Denmark, the home of the Danes. Here the monster Grendel has killed and stolen the lives of many. The people of the Danes speak about how these killingsRead MoreAnalysis Of Shakespeare s Beowulf And The Evil 1555 Words   |  7 Pages2016 The Good in Beowulf and the Evil in the Monsters Beowulf is considered to be the oldest surviving poem that is preserved to date. The poem is believed to date back to about the eighth century, and the written manuscript in the eleventh century (Bjork and Obermeir 17; Neidorf 119). Also, Beowulf is commonly believed to be set in Scandinavia before the migration to Britain, even though there are Anglo-Saxon and Scandinavian cultural influences that are apparent when reading the poems storylineRead MoreAnalysis Of Beowulf s Beowulf 968 Words   |  4 PagesSchroder English IV 21 September 2017 Battle Comparison Beowulf is a story about the quests and battles that the main character, Beowulf, endures. Though he faces many challenges, he is able to overcome them because of his superhuman strength and braveness. During the story, Beowulf fights three beasts: Grendel, Grendel’s Mother, and a Dragon. With the strength of 30 men in each hand grip, magical weapons, and the support of Wiglaf, his right hand man, Beowulf is able to defeat all three beasts, butRead MoreBeowulf : A Modern Epic Hero1595 Words   |  7 Pagesin society. Majority of heroes have superhuman abilities compared to abilities of gods’. In the story of Beowulf, readers get to see a young audacious hero show the abilities of loyalty, wisdom, and physical strength. As I read the story, I saw that Beowulf matures into a man who doesn’t simply upkeep about individual magnificence and integrity but cares about his society as a leader. Beowulf is compared to a modern epic hero because he is fighting for a goo d cause, rewarded for doing the right thing

Types of Smiles Free Essays

The Meaning of a Smile A smile is the universal welcome. They come in many different shapes, sizes, and even meanings. When someone decides to flash their pearly whites at a passerby, what exactly do they mean by it? I smile all day long for my customers, but that doesn’t mean that I am always happy to be around them. We will write a custom essay sample on Types of Smiles or any similar topic only for you Order Now People link smiling to being one of the friendliest gestures one can receive. However, a smile is deceitful and can be taken in many different ways, and wore on many different occasions. Everybody has experienced that moment in their life when they have truly been happy. They smile all day long and can’t even find one reason why. Those smiles are the best ones to see and, oddly enough, they can even improve someones looks. They are simple smiles that brighten up the entire face and put the sparkle in their eyes. Happy smiles cannot be faked or forced and they curve from ear to ear. People that normally wear happy smiles are ones that are able to put the past behind them. Happy people always seem to be happy and they are fun to be around. The people that frequently use this smile often laughs a lot more than most people. They can also be picked out easily in a crowd because their smiles are genuine. This is a smile that reflects a happy and joyful heart. Children are the best at the famous naughty or â€Å"Up-to-no-good† smiles. These smiles can normally be seen when someone has been caught red handed. For most people, these smiles are humorous and can easily be picked out because of the red faces they cause. Naughty smiles cause the eyebrows to raise, cheeks to redden, and they seem to show more teeth than normal. One can typically find an up-to-no-good smile on a student that was just caught cheating on a test, or a toddler that didn’t hide their vegetables very well. These smiles show defeat, yet the person wearing them is willing to fight their way out of trouble. Forced smiles are commonly found in Christmas card photos or around the hallways in a high school. These smiles are fake and clearly take more energy to make than a person originally planned to give. Forced smiles are not attractive and do not hide the fact that the person would rather not be smiling. Fake smiles portray an attitude of â€Å"I am better than you† to anyone that witnesses them. Preteens seem to abuse this smile more than others, then wonder why their parents tell them to â€Å"be nice. High School aged girls have the fake smile perfected, however it looks more like a smirk. It is their way of saying something rude, without saying anything at all. This smile can be paired with an eye roll and a flip of the hair for dramatic effect, but often times the smile alone could kill. When an individual overhears a spicy conversation it sometimes ends with an amused smile. These smiles can either be one of humor or horror, depending on the circumstance. Amused smiles are almost a smug look; the eyes squinted just a little to hide the giggle trying to escape, and the mouth closed yet curved just enough to show a pair of dimples. An amused smile is one to watch for in a crowd or when telling secrets, because often times the one sharing the smile will share the story to someone else. Confidence is a necessary trait in anybody, and a smile to go with it is sometimes a pleasant thing to see on a person. However, some people like to show it off more than others and it quickly turns into a not-so-pleasant smirk. For example, pageant queens and teenage boys with fancy cars. From the moment the girls walk on the stage, or the boys turn on their car, there is a switch that turns on in their head that makes them believe they are â€Å"on top of the world. Their smiles tell all. A smirk looks almost as if the person is boasting. You can tell a smirk from any other smile because the person’s nose is stuck up so high in the air there is a shadow over top of their mouth. These smiles often result in a loss of true friends or a harsh fall back down to Earth. A true confident smile, however, don’t come around very often. Confidence has to build just enough to make the smile look proud, yet subtle. This smile can sometimes take years to develop, but when it’s there it’s hard to remove. The best way to explain a confident smile would be through example. Such as, a high school freshman trying out for the Varsity Dance Team at her school. As she walks into the gym to show off her double turn, she looks nervous (even though she has it perfected). However, after everything is said and done, she nailed it. She now can walk proudly out of that gym with a very confident smile on her face, knowing she made the dance team. A smile radiates from a person no matter what or who it is meant for, however a confident smile radiates from the core and is there for everybody to see. Smiling can be the answer to all of our problems, to everyone around the world. It is there to say what we shouldn’t say out loud, or to just simply show that we are happy. Everybody smiles for some reason, it’s just something we as human beings can’t escape from. It is often interesting to think about why we smile, or why we show emotions at all. Often times, it seems as if smiling is our way of letting all of our emotions escape in one simple gesture. Our smiles are uniquely limitless in meanings, and because of that, we are able to hide behind them and only show what we really want to be seen. How to cite Types of Smiles, Papers

Practice of Cash Converters and its Impact

Question: Discuss about the Practice of Cash Converters and its Impact. Answer: Introduction In the current scenario, financial institutions including money exchanger plays a very important role in easy running of day to day life of an individual. In order to meet any requirements either of the business or of the daily needs, every person and every organization requires the funds. These funds are obtained through these financial institutions by having the credit appraisal from the respective financial institutions and then according to the score and eligibility the fund is granted along with the schedule of repayment. In the given case study, the class action filed by customers against Cash Converters International Limited, being the renowned company for providing cash advance and cash loans, is discussed and its impact in terms of financial on the company itself and socially and ethically towards the stakeholders have been discussed. This is the very objective of the study and in order to make the study attractive the report has been bifurcated in different parts and therea fter the conclusion has been given. Class Action and Ethics in Practice Class Action is the term used to define the action taken by the group of people against some unjust done to them. In the given case, the class action has been taken by the group of people who have availed the services of the Cash Converters International Limited. The company is registered in Australia in the early eighties and since then has been engaged in the business of providing the cash loans and cash advances to the customers. Cash Converters International Limited main business is of franchising and has been one of the old franchisor in Australia (Cash Converters Webiste, 2016). Through the franchisees the cash loans and advances are given after appraising the financial documents and creditworthiness of the borrower. The main requirement is that the borrower should have the Australian Resident ship card. Being the company listed in the Australian Stock exchange, the customers have the view that the functioning of the company is very much true and fair and will not involve the c ustomers in any circumstances or any habit which is not ethical or which is against the prevailing norms of the business. But their views were wrong. In Actual the practice of the company to extent was not feasible. Some circumstances has happened which has led them to file Class Action. Class Action documented in Annual Report In the annual report of the company for the year ending 2015, the class action has been documented (Cash Converters Webiste, 2016). The main reason is the practice followed by the company. Company gives advance and loans to the borrowers as per result of their bank statement and income statement. All these loans are short term and not more than twelve months. They charges fees and pay the net amount to the borrower. In addition to this they have easily avoided the interest rate cap of forty eight percent and have charged the interest rates as up to six hundred and thirty three percent (Knaus, 2017). Also the fees that they have deducted from the loan amount as Establishment Fees gets included in the repayment schedule and very deceitfully gets the forged documents signed from the customer. This has been noticed by the customers at the very last stage when their earnings are going directly in the repayment of loan and they are having the cash crunch. This has led the customers to file suit against them for and on behalf of 37000 customers as Class Action. The customers belong to the period from 2009 to 2013 (Mauris, 2017). Ethics in Practice Ethics are defined as the set of standards for conduct for humans or organization which basically monitors and directs the behavior of the human or an organization. Ethics in business are thus defined as the standards that monitor and direct the behavior in doing business (Darus, 2015). In the given case study, Cash Converters International Limited have deliberately and knowingly that the act is not lawful have get the documents signed from the customers and have charged higher interest rates. Faced by the cash crunch and long due repayments, even then the customers are receiving the text message and e mail from the company stating the amount available for loan or advance. This has further led the customers to associate with the practice of Gambling or speculation. Borrowers in the view of repaying the loans avails higher amount of loan and thus the amount of principal gets increased and thereby the amount of interest gets high as much as not comparable. Therefore , the practice followed by the company is totally unethical as also mentioned in the theory of Consequential Ethics as the correctness of the act is solely determined by the consequence generated out of it. Thus, the practice is unethical which has led to class action and also the documentation in the Annual Report. Every organization will have the goodwill in terms of monetary as well non monetary terms if it follows ethics in business and have system of good corporate governance in place. On the other hand the company which have indulge its functions in an unethical practice and even violated the laws to higher extent then its repercussions will not only reflected in the financial terms but also in the non financial terms. The major financial impact has been noticed and observed in the annual report for the financial year ending 2015. It is the year in which the fact of class action has been mentioned. The practice that has led to such situations has been followed by the company from 2009 to the year 2013 (Cash Converters Webiste, 2016).. The company has the following in terms of the financial impact: The Net profit of the company has been relatively decreased by one hundred and eighty eight percent in the year ending 2015 as compared to the year ending 2014 (Cash Converters Webiste, 2016).. The profitability has been decreased mainly due to the fact that the settlement made in the class action comes out with twenty three million dollar which has been recognized as an expense in the Statement of Profit and Loss Account and has been correspondingly recognized as Liability in the Balance Sheet (Chettle, 2015). Earnings per share have been greatly decreased due the decrease in the Net Profit attributable to the shareholders of the company (Cash Converters Webiste, 2016).. This has further reduced the interest of the investors to invest in the company as the shareholders wealth has been greatly decreased. Thus, share price of the company has also been decreased. Cash Flows have the positive impact in the year 2015. The cash flows generated through the three activities namely investment, operating and financing have positive results and shows that the company is still cash rich company (Cash Converters Webiste, 2016). But on the other hand the cash flow position has been hampered due to the repayment of the different borrowers in the next year. Due to which the bank who has extended the credit facilities has taken their amount back being in a position of getting it as Non Performing Assets. Social Responsibility and Sustainability Corporate Social Responsibility is regarded as significant term in the todays era. It not only takes into account the growth and profitability of an organization but also considers the various interests of the society and the relevant environment. This consideration towards the society and the environment includes the effect of the activities and working of the organization towards the stakeholders, shareholders, customers, employees and all others. Corporate Sustainability is the term which is closely linked with the term of Corporate Social Responsibility. Corporate Sustainability is very broader in terms and is defined as the processes that balance the requirement of profit motive with the protection of environment and equitable distribution of resources in the Society. Both the concept being interchangeable shall be incorporated by every organization to ensure the ethic and corporate governance in system (Cocris, 2010). In general, the financial institutions shall have the policy documenting the social responsibility. It includes moral responsibility of the companies and employees, compliance with the statutory compliance, fulfilling the daily needs and requirements of the changing world and most importantly the management of these activities. In the given case study, Cash Converters being financial institution have followed and practiced the business of franchising but have deviated from these two concepts. The concepts major emphasis is on the stakeholders including the customers of the organization. The company has not considered its responsibility towards the society and environment rather has treated it as medium for earning profits by any means including cheating. Therefore, neither the company has followed neither the concept of corporate social responsibility nor the concept of sustainability and thus has led to the situation of class action. Conclusion Financial Institutions help every individual, company or any other person to meet their needs depending upon their profile. Cash Converters International Limited being well known company has been in the business of franchising since 1984 and is engaged in providing loans and advances to the prospective borrowers. Over the time the practice followed by the company has initiated the sense of gambling among the borrowers and which has ended up with the class action filed against the company. Due to this, the financial position and performance of the company has deteriorated. This has further thrown light on the non incorporation of corporate social responsibility and sustainability. Thus, to conclude every company shall have ethics in all functions of the organization. Reference Cash Converters Website, (2016), Annual Reports available on https://www.cashconverters.com/Investors/AnnualReports accessed on 11-04-2017. Knaus C, (2017), Cash Converters Profits Dive after move to stamp out high fee pay day loans, available at https://www.theguardian.com/australia-news/2017/mar/08/cash-converters-profits-dive-after-move-to-stamp-out-high-fee-payday-loans accessed on 12-04-2017. Mauris, (2017), Cash Converters Class Action in Queensland, available on https://www.mauriceblackburn.com.au/current-class-actions/cash-converters-class-action-in-queensland/ accessed on 12-04-2017. Chettle N, (2015), Cash Converters to refund thousands of people for charging up to 633% interest in loans, available on https://www.abc.net.au/news/2015-06-18/cash-converters-reach-settlement-partial-refund-loans/6556018 accessed on 12-04-2017. Darus F, (2015), Ethical and Social Responsibility of Financial Institutions : Influence of Internal and External Pressure, available on https://www.sciencedirect.com/science/article/pii/S2212567115010990 accessed on 12-04-2017. Cocris V, (2010), Corporate Social Responsibility and Sustainability in Romanian Commercial Banks, available on https://anale.feaa.uaic.ro/anale/resurse/fin4cocris.pdf accessed on 11-04-2017.