Strategic Analysis of Kiwi Bank

Question: Discuss about the Strategic Analysis of Kiwi Bank ? Answer : Introduction Kiwi bank is a government owned bank in New Zealand which offers services through post offices. The bank started its operations in the year 2002 to improve the banking system of New Zealand (Kiwi Bank, 2017c). Kiwi bank offers real value for money for the customers. The bank has established its shops in post offices in order to provide its service across the country. The bank has more than 800, 000 customers and the figure is consistently growing every week (Vaughan, 2012). There are more than 1000 employees in the bank with 250 PostShops (Kiwi Bank, 2017c). Thus, Kiwi bank unlike other banks offers its services on weekends as well. Kiwi bank offers the services of personal banking, business banking, international services and other banking services. Personal banking services include home loans, personal loans, savings account, credit cards, everyday accounts and investments and insurance. Business banking services include lending, savings accounts, investments, cheque accounts, cred it cards, merchant services and insurance. International services include online and offline transfer of money, foreign exchange as well as foreign currency accounts. Further, the bank also offers internet banking, mobile banking, message alerts, bank statements (online) and a large network of ATMs. The bank is making an attempt to change the traditional banking style and offer better value to the customers. Kiwi bank has won the international 2007 Financial Innovation Award. The mission of the bank is to win the hearts of Kiwis by offering better services, better products, lower fees and better interest rates (Kiwi Bank, 2017b). Kiwi bank has also proved its financial stability by producing a profit of $124 million during global financial crisis (Mackenzie, 2014)). The banks also paid dividends to all of its owners. Evaluating Strategic Business Plan SWOT Analysis Strengths Large network of sales and distribution across the country Strong brand recognition String financial stability Exponential growth Weaknesses Huge investment in the research and development department Opportunities Evolving new market segments Consistently increasing income of the customers Emerging global market Great opportunity to increase growth and profitability Threats Government rules and regulations External business risks such as bad debts from the defaulters Maintaining cash flow Changes in taxation system Increasing cost of labor and technology Rising rate of interest Technological issues Strengths Kiwi bank has huge distribution and sales network across the country which it has developed within a short span of time. The bank has established its strong brand identity across the country through its quality services and strong distribution network (New Zealand Post, 2017). The bank has strong financial stability and the bank has proven its capability by creating profits during the global financial crisis (Scoop, 2017). This proves that the bank has strong financial structure. The bank has been growing its revenue exponentially and has a high growth rate as compared to its competitors (Radio NZ, 2017). Weaknesses In order to penetrate the market segment, the bank has invested huge amount of money in research and development department due to which it is not able to generate high profits, though the bank would be enjoying the profits in the future. Opportunities Kiwi bank has numerous opportunities such as exploring new market segment. The income of the consumer is consistently increasing in the New Zealand which is a great opportunity for the bank. The bank could target the new market segments in order to increase its existing customer network. Another opportunity for the bank is the emerging global markets for market expansion. Thus, there is a huge opportunity for the bank to increase its growth and profitability. Threats The bank faces challenges due to strict government regulations of the country. Kiwi bank has to abide by all the laws and regulation of the country in order to maintain a smooth flow of its operational activity. There are external business risks involved in the banking industry such as bad debts which could again reduce the overall growth and profitability of the company. Cash flow is another challenge faced by bank. In order to maintain banking operations (personal banking and business banking), the bank has to maintain its cash flow so as to meet the needs of the customers. The government makes amendments in the taxation policies which disturbs the activities of the bank. Kiwi bank is facing the challenge of increasing costs of labor, technology changes, marketing and other operational activities which again affects the profitability of the bank. Rate of interest is on a consistent rise which affects the lending rate of the bank and also has an impact on the customers pocket. Furth er, there are technological problems within the company which again hampers the business of bank. Critical Success Factors Kiwi bank strongly focuses on its customers through its outstanding banking services. Banks transaction account services offer great benefits for the customers. The bank charges no fee for account management and charges a meager amount for transaction. Kiwi banks savings accounts and investments services give the customer an opportunity to earn interest on their tax money. Credit card facility of bank charges very low interest rate giving the time of 55 interest free days to the consumers. Its banking operations allow a consumer to perform their banking operations wherever they want. The visa debit card facility allows them to pay online and overseas for their purchases (Kiwi Bank, 2017a). The business overdraft facility of the bank charges the interest only on the amount which is used by the customer. The business insurance service of the bank offers the customers protection. Advance Research and Development Kiwi bank has made huge investment on its research and development cell in order to identify the needs and requirements of the customers. The bank has very well incorporated the customer requirement within its system in order offer the best services to the customers. The bank has over 250 Post shops across the country which gives it an edge over its competitors (Fulton, 2016). The bank has been consistently thriving to unlock the value in its target market to increase its profitability. In order to do so, the bank has been identifying ways to enhance its relationship with the customers. The bank has devised a strategy of product diversification which aims to offer greater range of products and services to the customers along with value added services. The bank has taken initiative of business markets, identity validation and government services, bancassurance and wealth. Business market aims to expand the current proposition of bank by offering foreign exchange trading and SME lending services to the customers. Identity validation and government services aim to offer ID validation and processing of applications by business. Further, the bank has also invested to build its cost effective processes to improve its operation risk management model. Target Market Kiwi banks primary target market is personal banking market through which the bank has developed over 800,000 customers within a short span of time (Vaughan, 2012). The bank is making consistent efforts in order to penetrate its existing market by enhancing its relationship with the existing customers. Evaluating Implementation of Strategic Business Plan Strategic business plan helps to create goals and objectives for an organization through communication, cultural awareness and regular control and monitor of the activities (Freeman, 2010). Kiwi bank has targeted the personal banking market segment and business banking market segment. Now the bank could spread its wings into the rural business segment order to increase its profitability. Rural business finance, farm development package and Farm start-up package are the financial products through which Kiwi bank could enter new market segment and increase its profitability. Rural Business Finance This product would offer fixed, floating and bill finance options in order to fulfill the unique needs of rural business segment. The customers would benefit through the flexible repayment structure of the program (Rabo Bank, 2017). The tailored interest rate periods would offer value addition to the customers. This program would also offer loan top ups and progressive draw-downs facility to the customers. Further, the customer would also have an option to choose from the conventional interest rates of bank. The service would also offer the customers a flexible line of credit along with low monthly management fee and monthly credit interest (ANZ, 2017)). Farm Development Package The service would aim to bring a complete solution for farmers by giving them access to short term funding through which they can develop their farm in a peaceful manner by complying to the government laws. The farmers would no more have to rely on high interest rate option. The farm development package would ensure that the farmers can invest in their farm activities to ensure environmental sustainability (Rural Finance, 2017). Farm Start-up Package Farmers have been facing challenges to start their business activities. Farm start-up package brings an opportunity for them to develop a realistic business plan. The service would offer them special lending facilities along with banking benefits through which they would be able to attain their farming goals and objectives (SBS Bank, 2016). The service would offer them term loan and overdraft facility up to $50, 000 so that they can set up their pre-operational activity required for the business. The customers would also get an opportunity to attend business planning workshops to support their business activities. In order to implement the plan following methods would be adopted: Strong communication channel Communicating the product awareness across the internal and external customers is an essential component of strategic planning (Hill Jones,2009). The external customers are farmers who are planning to indulge themselves into business activities of farming. The internal customers are the employees and managers of Kiwi bank who needs to understand about the product. Following methods would be adopted for the external customers: Advertisements: The information about the product would be communicated through commercial ads, newspaper ads, bill boards and social media network. The aim of this activity is to create product awareness among the external customers. Sponsoring an event: In order to reach the potential customers, a small event could be sponsored by Kiwi bank within the rural areas to create awareness among the target audience. The internal customers or employees also need to be communicated about the new products and service of bank so that they can persuade the customers to buy the new service. This could be done through training, meetings and discussion with the managers and employees. Effective Monitoring Control System Now once the plan has been implemented, it also needs to be monitored and controlled on regular basis. Effective monitoring and control system would make sure that each and every step is being carried through appropriate methods. Tracking sales: The sales of the new products could be tracked after six months in order to monitor the results of the plan (Baines Fill, 2014). If the sales are increasing then that suggests that the plan was successful. Tracking the competitor: If the competitors have also adopted the same strategy then that suggests that the strategy has been successful to attain the SMART goal. Evaluating the Outcome Increased base of customers due to product attractiveness The sales of Kiwi bank saw a rise its revenue because the product was a great hit among the customers. The farmers who were planning to set up their business received great help from the service through which many of them have established their farming businesses successfully. The bank has created huge base of loyal and permanent customers through its attractive services. Loss of brand identity Kiwi bank has lost its current brand name because in order to meet the requirement of farmers, the bank could not manage its internal operations effectively. Further, the customers also got confused about the brand perception of the bank. Organizational Structure Level of Hierarchy There are three levels of hierarchy including top level managers, middle managers and front level managers. Kiwi bank has administrator level, executive level and lower most level hierarchy. Administrator level includes bank branch manager, financial planning director, auto remarketing manager, Sr. BDM and Commercial Lending Manager. Executive level includes associate branch manager, commercial loan manager, consumer loan manager, commercial credit analyst, branch coordinator. Lower most level includes taxation executive, head clerk, loan executive. Kiwi bank has a huge network of sales and distribution with over more than 800, 000 customers. The bank has more than 250 Post shops across the country. It has more than 1000 staff members with its ATM services located across the country. The bank operates through post offices which gives it an edge over its competitors. Recommendations In order to enter the international market, the bank needs to create a team of senior management who would handle the market of Australia. The bank needs to have a team of Chief Executive Officer, Chief Operational Officer for specific group, Chief Financial Officer, Chief Risk Officer. A Chief Executive Officer for the Australian operations would be appointed to take care of all the financial, marketing, HR and operational activity of the bank. Another Chief Executive Office would be appointed for the New Zealand region to manage the regional affairs. COO, CFO and CRO would be the part of the top management team to handle the affairs and activities of Australia. Further, a team of CEO, Securities and Banking, Private Bank Head, Chairman, Market Research Analytics, Vice Chairman and Talent Acquisition Head would also be developed specifically for the Australian market. The above organizational structure would help the bank to enter the international market. The above management team would be responsible for developing the entire operational team of administrative profile and lower most profile. References ANZ. (2017). Rural Finance. Retrieved from: https://www.anz.co.nz/rural/rural-finance/ Baines, P., Fill, C. (2014). MARKETING 3E P. UK: OUP Oxford. Freeman, R.E. (2010). Strategic Management:A Stakeholder Approach. Cambridge: Cambridge University Press. Fulton, T. (2016) Kiwibank plans returns to Christchurch central city with standalone branch. Business day. Retrieved from: https://www.stuff.co.nz/business/75821216/Kiwibank-plans-returns-to-Christchurch-central-city-with-first-standalone-branch Hill, C., Jones, G. (2009). Strategic Management Theory: An Integrated Approach. Australia: Cengage Learning. Kiwi Bank. (2017a). Accounts and Services. Retrieved from: https://www.kiwibank.co.nz/business-banking/accounts-services/ Kiwi Bank. (2017b). More about us. Retrieved from: https://www.kiwibank.co.nz/about-us/more-about-us/ Kiwi Bank. (2017c). Our Story. Retrieved from: https://www.kiwibank.co.nz/about-us/investor-centre/our-story.asp Mackenzie, D. (2014). Kiwibank deliver NZ post a profit. Otago Daily Times. Retrieved from: https://www.odt.co.nz/business/kiwibank-delivers-nz-post-profit New Zealand Post. (2017). Grow the Bank. Retrieved from: https://www.nzpost.co.nz/about-us/investor-centre/our-financial-story/where-were-going/grow-bank Rabo Bank. (2017). Loans. Retrieved from: https://www.rabobank.co.nz/banking/rural-loans/ Radio NZ. (2017). NZ Post profit down 19 percent after Kiwibank share sold off. Radio NZ. Retrieved from: https://www.radionz.co.nz/news/business/324893/nz-post-profit-down-19-percent-after-kiwibank-share-sold-off Rural Finance. (2017). Its about adding value to you. Retrieved from: https://www.rural-finance.co.nz/news/its-about-adding-value-to-you/49007 SBS Bank. (2016). Rural Loans. Retrieved from: https://www.sbsbank.co.nz/borrow/agribusiness-rural/rural-loans Scoop. (2017). KGH Kiwibank results for the six months ending 31 Dec 2016. Scoop Independent News. Retrieved from: https://www.scoop.co.nz/stories/BU1702/S00583/kgh-kiwibank-results-for-the-six-months-ending-31-dec-2016.htm Vaughan, G. (2012). How the C-operative Bank wants to be as big as Kiwibank by attracting customers with a caring attitude. Interest. Retrieved from: https://www.interest.co.nz/news/61589/how-co-operative-bank-wants-be-big-kiwibank-attracting-customers-caring-attitude

Rumored News on Grapes of Wrath Essay Topics Discovered

Rumored News on Grapes of Wrath Essay Topics Discovered The Battle Over Grapes of Wrath Essay Topics and How to Win It It is, nonetheless, in danger of being known as a period piece, and should be defined as art as an alternative to sociology. Tom Joad is a really complicated single, who's a great plus and at the identical clip, a monumental load. If it's so, then you might be having some challenging time for a student together with being a writer. For example, the prior preacher, Jim Casy tells Tom that religion denies different facets of life like sexuality. Definitions of Grapes of Wrath Essay Topics Although the outlook remained gloomy, it's evident that the great majority of people were selflessly helping others to be able to survive. As you pay for homework, we provide those options free of charge. Typically, it takes as much as two hours of time to comb through dozens of sites until you discover something exciting to write about. 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Grapes of Wrath Essay Topics Fundamentals Explained You might have liked the book for a story, though it is definitely depressing. Since the story is long and morose, it is crucial to think of essay questions that may engage students and let them relate to the story. And this isn't the close of the story yet. Later on in the story there are many examples of generosity along with evilness. The 30-Second Trick for Grapes of Wrath Essay Topics Steinbeck sets up many metaphors and images he sums up towards the close of the chapter. It's through using Biblical allusions and imagery which he gives The Grapes of Wrath an effective message alongside pure artistic genius. Have a look at our Grapes of Wrath essayto find more on the subject of interrelation. The topic of Steinbeck's fiction isn't the most thoughtful, imaginative, and constructive facets of humanity, but instead the practice of life itself (Wilson 785). The Benefits of Grapes of Wrath Essay Topics This conflict presents a very clear picture of the characteristics of financial injustices in the united states during that m oment. They work hard on the land but don't have the fields on account of their social status. In spite of the harshness of the landscape, it turns into the backdrop against which a broad range of human concerns can be identified and considered. Democracy, on the flip side, is for the rights of the majority, and isn't influenced by the route of the person. Steinbeck does this deliberately to demonstrate the Joads do belong to a bigger group and lots of folks are having the very same difficulties and hardships since they are (Critical 3). Family can also incorporate individuals who are deemed close pals. Ma is pleased with her Okie heritage. The characters of Uncle John and Pa help to create a dam to stop the rising waters from getting into the boxcar they are dwelling in. 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How to Write an Epigram Essay Topic

How to Write an Epigram Essay TopicWriting a Dorian Gray epigram essay is not as easy as you might think. Some people are surprised to learn that there are an epigram and not just an expression. This kind of essay has been a staple in English composition for centuries, so the question should be obvious: what makes it such a good one?Gray is famous because he is obsessed with his beautiful dead mother. He feels guilty for killing her and expresses his feelings through his writing. An epigram is a short piece of writing that describes a feeling or thought in a very straightforward manner.In one famous passage in The Picture of Dorian Gray, he explains his feelings of guilt: 'I have killed her. She was a faultless creature. Why have I been permitted to touch her body?...I'm a murderer, I know.'Writing an epigram essay about Gray's guilt is pretty simple if you know the technique. You can start by describing the thoughts or feelings that you wish to describe in a paragraph or two. You ca n then include the quote in the middle, following the thinking you want to express in a brief sentence. This will make it easier to write an interesting and engaging epigram.The reason for this makes it much easier to write an interesting and engaging epigram essay. If you're writing an essay on the life of Gray, you could mention his love of literature and writing. You could also say that he is famous for an epigram that was inspired by his love of literature. And finally, you could use a quote from one of his novels to describe his passion for literature.Another choice you have when you want to use quotes from literature to describe your own literary efforts is to write a summary of one of your own novels. For example, if you've written a piece of fiction about a journey to find oneself, you could use a quote from a book, a play, or something from the author's past to help you describe the journey you are trying to describe. You could even use quotations from the end of the novel to describe the journey. All you need to do is be clear on the main idea of the quote you're using, then show how that idea is expressed in the novel.There are additional tips you can use to make your essay more interesting. To make the exercise easier, you can make your topic relate to some other popular topic that is in demand right now.Lastly, you might want to write a dialogue between two characters instead of showing a single person's actions. This works well because it gives you a chance to get a feel for the perspective of the characters in the novel and the reader should feel like the characters are talking to each other. Sometimes a quote is powerful enough to get across the message clearly if it is used in a dialogue.

Who Is Misleading Us About Boston College Application Essay Topics?

Who Is Misleading Us About Boston College Application Essay Topics? Top Choices of Boston College Application Essay Topics The application text ought to be effective to join the college. Another application is necessary. The essay is easily among the most troublesome portions of the college application approach. College application essays are often the most difficult portion of the application procedure. Boston College Application Essay Topics - Overview Admissions wants to understand about the art that's meaningful to you and the way that it aligns with your life and values. It is possible to also acquire a variety of discounts on our site which will help you to save some more money for future orders or anything you want to spend them on. It is suggested to look for the one which has a very good reputation and offers high-quality papers at very affordable prices. The course can be something linked to history that genuinely fascinates you. The True Meaning of Boston Colleg e Application Essay Topics You need to realize the prompt before you get started writing your essay. Please make sure that your essay is entirely distinct from the one which you submitted on the Common Application. Colleges can tell whenever your essay is only a form essay. College application essay for instance, personal essays. All our sample college essays incorporate the question. If you would like to take part in a particular application, you can speak about that within this essay. Therefore, many students and employees decide to obtain cheap essay rather than writing it themselves. Take a look at the CollegeVine guide on the best way to master the MIT essays for. Application writing isn't the close of the world and you are able to prepare for it. It is not important to us, whether you're too busy on the job concentrating on a passion undertaking, or simply tired of a seemingly infinite stream of assignments. We'll do your assignment quickly and punctually. This has been shown to be an extremely powerful and quick means to assist with a writing assignment and find the business done properly. The Battle Over Boston College Application Essay Topics and How to Win It After you choose the issue you wish to address, make certain you structure your essay around the inception of a course and get creat ive. Should you decide you must chat about one of the cliche essay topics mentioned previously, a very good approach to tell a more prevalent story is to concentrate on one specific moment and build from that point. Who knowsthe solution to that question may be the foundation for your admission essay. Share an essay on any subject of your selection. The sports essay is predictable and ought to be avoided, if at all possible. Similarly, for songs, you wish to prevent cliche themes like in Kelly Clarkson's Stronger. 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Explain your commitments, and you're going to be the type of student colleges find immensely attractive. Students often go into Boston for all its entertainment and cultural pursuits but are delighted to come back to their close-knit college in the place where they feel very at home. Credits in such remedial courses are not going to exempt the student from any essential course in these types of programs. So How About Boston College Application Essay Topics? Our work is to create sure all customers that handle concerns come from the scenario pleased. Perhaps it's developing critical thinking skills through literature that you're able to apply to your preferred profession. Again, strong responses will demonstrate an applicant is thinking about manners in which their BC education does not merely consist of their o wn private knowledge in the classroom, but also of a crucial examination of relevant societal troubles. 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The NewsHour Essay Topics

The NewsHour Essay TopicsWriting essay topics for The NewsHour is something many students struggle with, since there are so many things to keep in mind. There are a few traditional essay topics that will help students achieve this goal.One of the primary learning objectives for most students is to understand their country and its history. But most people don't think about what could happen if the government should fail. This is where The NewsHour makes this aspect of their program interesting.When students learn about the complexities of a failed government, they have an understanding that could make them better citizens. Just like education, learning how to deal with these conditions is part of education. Teachers learn to deal with them as well. They also learn how to predict where the next lesson may come from.Another traditional essay topic is in reference to politics. Both parties in a political scenario can and do win and lose elections, and most often, the political parties ha ve very different policy and rhetoric. Because of this, both parties must be analyzed and discussed. Often this comes into play when a student is writing a NewsHour essay, because if both parties would win, which one is it going to affect?Students have to know that it wasn't always like this, and that sometimes there were 'good' presidents and others that were terrible, as well as the entire history of government corruption. That is what makes it important to write on this subject. Many times government policies can be based in lies, and often times if people aren't educated enough to know they are lying, they think it is factual.Sometimes history isn't something that is taught in schools, but has been used as political propaganda for political reasons, and can be used to inspire students during the recent presidential election. It can be used to bring out the worst sides of both parties. Students must be careful and wise in what they study, and how they apply their knowledge to the problems of our society.This isn't just for the short and long periods of time either. In addition to these topics, students can write about anything they want to. The NewsHour provides many different outlets for essays. Students should make sure to discuss each topic thoroughly before submitting it, and to include in their essay points that are relevant to their topic of choice.The NewsHour is a great resource for essays, and they've created plenty of tradition essay topics to learn from. Knowing your subjects and learning from it, are the best way to go, and to make a good essay on the NewsHour offers some wonderful traditional essay topics to make learning something students can enjoy and use in their everyday lives.

The Outsiders 2 Essays - Films, The Outsiders, Greaser, Grease, Plot

The Outsiders 2 In this book analysis, about the book ?The Outsiders? by S. E. Hinton I will discuss character and plot development, as well as the setting, the author's style and my opinions about the book. In this part of the analysis I will give some information about the subjects of the book, and about the author. The author wrote the story when she was just 16 years old, in the 1950s. The book was successful, and it was sold, and still being sold, in many copies as a young adults novel. There was a movie made about it, and today there are still many schools that use this book in junior high and high schools for English classes. There were plays made about the book too. The Outsiders is about a gang. They live in a city in Oklahoma. Ponyboy Curtis, a 14 year old greaser, tells the story. Other characters include Sodapop and Darry, Ponyboy's brothers, Johnny, Dallas, and Two- Bit, that were also gang members and Ponyboy's friends. This story deals with two forms of social classes: the socs, the r ich kids, and the greasers, the poor kids. The socs go around looking for trouble and greasers to beat up, and then the greasers are blamed for it, because they are poor and cannot affect the authorities. I hope you would enjoy and learn something about the book from reading this analysis. Plot Development The plot development in the book, ?The Outsiders? by S.E. Hinton, was easy to follow. In this part of the book analysis I will give some more details about the plot development. There were no hooks or hurdles in the beginning of the book, the first sentence starts right away with the plot?without any forewords. This is the beginning of the first sentence: ?When I stepped out into the bright sunlight from the darkness of the movie house...? (page 9). As you can see, it goes straight to the point without any prologues or any kind of introduction. The plot development in the middle of the story was sensible and easy to understand. It was clear and simple, and the events have occurred in a reasonable order. The ending of the story was a bit expected. I anticipated the death of Johnny because a broken neck usually means death. The death of Dally was not as predictable as Johnny's death because it was said that: ?He was tougher than the rest of us?tougher, colder, meaner.? (page 19). I did not think that such a tough person would get himself killed because of a death of a friend, although it was said a short time before the death of Dally that: ?Johnny was the only thing Dally loved.? (page 160). The climaxes at the end of the story were the deaths of Johnny and Dally. Here are quotations about the deaths: Johnny's death: ?The pillow seemed to sink a little, and Johnny died.? (page 157). Dally's death: ?He was jerked half around by the impact of the bullets, then slowly crumpled with a look of grim triumph on his face. He was dead before he hit the ground.? (page 162). To conclude I can say that the plot development was simple and easy to understand and to follow. The author organized it in a way that fits the actual content of the plot. Character Development The characters in the book, ?The Outsiders? by S.E. Hinton, were not very heroic?they were just humans?it was easy to believe that this is the way they should be. The characters in the plot give the reader a feeling this can be a true story. The author has created the personality of the characters through the descriptions of Ponyboy?the narrator?and through their actions. Following are some examples of these methods of getting familiar with a character. Here is an example for a description of Ponyboy: ?Steve Randle was seventeen, tall and lean, with thick greasy hair he kept combed in complicated swirls. He was cocky, smart, and Soda's best buddy since grade school. Steve's specialty was cars...? (page 17). The reader can find this kind of descriptions almost everywhere in the story, but especially in the beginning. I think the

Free Essays on Civil Rights 1964

in 1964, a month and a day before the historic Civil Rights Act of 1964 would be signed into law by President Lyndon B. Johnson. She speaks for the mood of a race, a race that for centuries has built the nation of America, literally, with blood, sweat, and passive acceptance. She speaks for black Americans who have been second class citizens in their own home too long. She speaks for the race that would be patient no longer that would be accepting no more. Mrs. Hamer speaks for the African Americans who stood up in the 1950's and refused to sit down. They were the people who led the greatest movement in modern American history - the civil rights movement. It was a movement that would be more than a fragment of history, it was a movement that would become a measure of our lives (Shipler 12). When Martin Luther King Jr. stirred up the conscience of a nation, he gave voice to a long lain dormant morality in America, a voice that the government could no longer ignore. The government fin ally answered on July 2nd with the Civil Rights Act of 1964. The Civil Rights Act of 1964 is historically significant because it stands as a defining piece of civil rights legislation, being the first time the national government had declared equality for blacks. The civil rights movement was a campaign led by a number of organizations, supported by many individuals, to end discrimination and achieve equality for American Blacks (Mooney 776). The forefront of the struggle came during the 1950's and the 1960's when the feeling of oppression intensified and efforts increased to gain access to public accommodations, increased voting rights, and better educational opportunities (Mooney... Free Essays on Civil Rights 1964 Free Essays on Civil Rights 1964 When the Government Stood Up For Civil Rights "All my life I've been sick and tired, and now I'm just sick and tired of being sick and tired. No one can honestly say Negroes are satisfied. We've only been patient, but how much more patience can we have?" Mrs. Hamer said these words in 1964, a month and a day before the historic Civil Rights Act of 1964 would be signed into law by President Lyndon B. Johnson. She speaks for the mood of a race, a race that for centuries has built the nation of America, literally, with blood, sweat, and passive acceptance. She speaks for black Americans who have been second class citizens in their own home too long. She speaks for the race that would be patient no longer that would be accepting no more. Mrs. Hamer speaks for the African Americans who stood up in the 1950's and refused to sit down. They were the people who led the greatest movement in modern American history - the civil rights movement. It was a movement that would be more than a fragmen t of history, it was a movement that would become a measure of our lives (Shipler 12). When Martin Luther King Jr. stirred up the conscience of a nation, he gave voice to a long lain dormant morality in America, a voice that the government could no longer ignore. The government finally answered on July 2nd with the Civil Rights Act of 1964. The Civil Rights Act of 1964 is historically significant because it stands as a defining piece of civil rights legislation, being the first time the national government had declared equality for blacks. The civil rights movement was a campaign led by a number of organizations, supported by many individuals, to end discrimination and achieve equality for American Blacks (Mooney 776). The forefront of the struggle came during the 1950's and the 1960's when the feeling of oppression intensified and efforts increased to gain access to public accommodations, increased voting rights, and better educational opportunities (Mooney...