Buckling Experiments Laboratory Report

Buckling Experiments Laboratory Report BUCKLING EXPERIMENT The experiment entails subjecting loads to a strut along its centroidal axis. The effects of length, shape, material and fixing conditions on buckling were observed. An analysis was then done basing on the results obtained and graphs drawn to establish various relationships measured and calculated. The buckling load was also determined theoretically for all the struts basing on the geometry and material properties. This was then compared to those found experimentally. Buckling is an instability of a material when subjected to loading which eventually leads to failure. It is characterized by sudden sideways deflection of the structural member. When load is applied on a material, it will become large causing it to become unstable and consequently causing change in shape and this can be said to have buckled. This can happen even when the stress subjected on the material is below that needed to cause failure. Bending and buckling can cause change in shape but the difference comes in the method of applying the load. For the bending case, the load is applied perpendicular to the centroidal axis while in buckling, the load is applied axially causing compressive stress and eventual sideways failure. This feature can be measured as the buckling load. Materials having different properties have different buckling loads which is a function of the length of the column and the second moment of area of its cross section. Buckling loads can be determined experimentally or by way of a prediction without actually loading the material to critical load. Southwell plot is a chart of used to experimentally determine the critical load of a structure without subjecting it to its critical load. It is a non-destructive testing method for buckling. Southwell plot is a graphical representation of deflection(y) against deflection by load applied(y/L). This should in return show a linear relationship and a slight curvature at low values of deflection. Further analysis can be done to obtain buckling load. Critical loads can thus be obtained without actually buckling the load itself reducing risk of damaging the strut. The intercept represents the total eccentricity of the strut which is the eccentricity within the equipment and the strut together with the imposed eccentricity. To compare the theoretical and experimental buckling loads of struts in order to test the theory and show its limits. To show how to use the Southwell plot to find the buckling load and eccentricity of a strut. The potential hazards was assessed and it was observed to be majorly from the experiment   handling of the strut in loading and unloading. This has a potential harm to the colleagues and the staff in the laboratory. This hazard was considered by performing the experiment heavily. Plastic inserts were also used to reduce the adverse possible reaction of the strut on loading. The load was applied slowly with full concentration on the reaction of the material under loading so as not to exceed the buckling limits. The strut was also released by unloading swiftly. Experiment 1 The Load Display was connected and switched on. It was then given some few minutes for the display and the load cell to warm up. The load measuring end was tapped to remove any effects of friction and the display zeroed. The digital calipers was then used to obtain the dimensions of the 750 mm steel strut and its second moment of area calculated. The strut was then fit into the rig with the pinned ends condition. Plastic inserts were then inserted in the channels adjacent to the center of the strut such that when load was applied the strut would not come into contact with the inserts. The large hand wheel was used to load the strut slowly. As the wheel was turning, the load reading and the deflection of the strut was observed heavily. The plastic insert was used to ensure that the strut does not buckle further than 15mm.The peak load on the display was recorded and the hand wheel turned to release the load. This is the reading for buckling on its natural direction. A light load was then applied and gently pushed on the center to force it to buckle in the opposite direction. The load was then increased until the strut buckled end the peak load recorded. The load was then released. The mean of the two buckling loads was thereafter calculated. The procedure was repeated for the other steel struts No 2 to No 6. And for one strut made from a different material and the other shape. For strut No 4, the experiment was repeated with a fixed to pinned end condition and strut No 3 with fixed to fixed end conditions. The curve of length against average experimental buckling load was plotted for steel struts 1 6. Theoretical buckling load was then calculated for each length and then plotted on the graph. Comments on the effect of length, end conditions, material and 2nd moment of area on the buckling loads were then made. Experiment 2 The Load Display was connected and switched on. It was then given some few minutes for the display and the load cell to warm up. The load measuring end was tapped to remove any effects of friction and the display zeroed. The 750 mm steel strut was obtained. The strut was then fixed on the pinned ends condition. The deflection gauge was then fitted at the midspan of the strut while ensuring that there is 15mm of travel in the natural buckling direction. The strut was then tested in the natural buckling direction while recording the load at deflection intervals of 0.5mm. The table of results was then filled. The Eccentric End fittings were then fitted to strut number 2 with both fittings set to give the smallest eccentricity (5mm) Strut number 2 was fitted and the position of the deflection indicator adjusted to allow for the offset. The test was then repeated with the same strut. The end fittings at both ends of the strut were reversed to give larger eccentricity. The indicator was adjusted and the test repeated. A chart was then created showing load on the vertical axis against deflection on the horizontal axis. The results from each strut was added to the chart. A chart for a Southwell plot was created, deflection (y) against (y/P) where P is the load. The results from each strut was then added to this chart and further analysis done RESULTS AND CALCULATIONS Experiment 1 Theoretical buckling load (N) 174.70 240.40 306.10 280.52 397.56 339.33 332.99 826.75 304.39 359.29 Average Peak buckling load(N) 189.5 198 236 257 286.5 327 283 279 559 1068 Peak buckling load 2(N) 212 204 251 251 288 334 294 292 579 1187 Peak buckling load 1(N) 167 192 221 263 285 320 272 266 539 949 Strut Details 2nd Moment of area 48.103 57.649 63.311 53.636 70.055 50.244 180.746 170.974 53.636 63.311 d 3.11 3.20 3.41 3.23 3.54 3.15 4.84 6.46 3.23 3.41 b 19.19 19.25 19.16 19.10 19.44 19.39 19.13 _ 19.10 19.16 K value 1 1 1 1 1 1 1 1 0.7 0.5 Fixing conditions P-P P-P P-P P-P P-P P-P P-P P-P P-F F-F Youngs modulus (N/mm2) 207000 207000 207000 207000 207000 207000 105000 207000 207000 207000 Material Steel Steel Steel Steel Steel Steel Brass Steel Steel Steel Shape Rect Rect Rect Rect Rect Rect Rect Round Rect Rect Working length 750 700 650 625 600 550 750 650 600 600 Strut no 1 2 3 4 5 6 7 J 4 3 Experiment 2 Deflection (mm) Eccentricity=0 Eccentricity=5mm Eccentricity=7.5mm Load (N) Defl/Ave Load Load (N) Defl/Ave Load Load (N) Defl/Ave Load 0 0 _ 0 _ 0 _ 0.5 50 0.0100 21 0.0238 8 0.0625 1 74 0.0135 27 0.0370 17 0.0588 1.5 95 0.0158 40 0.0375 24 0.0625 2 108 0.0185 48 0.0417 30 0.0667 2.5 116 0.0216 55 0.0455 35 0.0714 3 125 0.0240 53 0.0566 40 0.0750 3.5 131 0.0267 66 0.0530 45 0.0778 4 135 0.0296 71 0.0563 49 0.0816 4.5 139 0.0324 75 0.0600 54 0.0833 5 141 0.0355 81 0.0617 58 0.0862 5.5 144 0.0382 82 0.0671 59 0.0932 6 147 0.0408 88 0.0682 65 0.0923 6.5 149 0.0436 90 0.0722 69 0.0942 7 150 0.0467 92 0.0761 72 0.0972 7.5 152 0.0493 96 0.0781 73 0.1027 8 153 0.0523 97 0.0825 77 0.1039 8.5 154 0.0552 98 0.0867 80 0.1063 9 156 0.0577 103 0.0874 82 0.1098 9.5 157 0.0605 107 0.0888 84 0.1131 10 158 0.0633 107 0.0935 86 0.1163 10.5 159 0.0660 112 0.0938 89 0.1180 11 160 0.0688 113 0.0973 91 0.1209 11.5 160 0.0719 115 0.1000 93 0.1237 12 161 0.0745 117 0.1026 94 0.1277 12.5 161 0.0776 119 0.1050 96 0.1302 13 162 0.0802 120 0.1083 98 0.1327 13.5 162 0.0833 122 0.1107 100 0.1350 14 163 0.0859 123 0.1138 101 0.1386 14.5 163 0.0890 124 0.1169 103 0.1408 15 164 0.0915 125 0.1200 104 0.1442 Moment of inertia (I) of a circle and rectangle were obtained using the formula; DISCUSSION Below is the graph of working length against buckling load for the first experiment. It is observed that as the working length was increasing, the buckling load was decreasing. For the second experiment, A graph drawn for load against deflection shows a nonlinear relationship between the load applied and the deflection of the beam.   The second graph is of deflection(y) against (y/P) where P is the load. This is the Southwell plot for the beam used. A line of best fit drawn in the Southwell Plot indicates that the points obtained are having an almost linear relationship except at low values of deflection which has a small curvature. The slopes of the graphs, Euler buckling load, were obtained for different eccentricities together with the points of intersection with the y axis which indicates the eccentricity of loading. This represents the imperfection of the strut and the equipment used plus the imposed eccentricity. Southwell plot results Eccentricity (mm) Gradient y-intercept 0 178.18 -1.301 5 164.32 -5.0783 7.5 170.12 -9.6389 Southwell plot; The experiment was a success as the strut was subjected to different loads to determine the buckling load. The effect of material, length of the specimen, shape and fixing conditions were observed. Different graphs were drawn from the results obtained which enhanced further analysis. The Southwell graph was also drawn which was used to obtain eccentricity values and the struts theoretical/Euler buckling load. Wang, C.M., Zhang, Y.Y., Ramesh, S.S. and Kitipornchai, S., 2006. Buckling analysis of micro-and nano-rods/tubes based on nonlocal Timoshenko beam theory. Journal of Physics D: Applied Physics, 39(17), p.3904. Akgà ¶z, B. and Civalek, -., 2011. Strain gradient elasticity and modified couple stress models for buckling analysis of axially loaded micro-scaled beams. International Journal of Engineering Science, 49(11), pp.1268-1280. Roorda, J., 1967. Some thoughts on the Southwell plot. Journal of the Engineering Mechanics Division, 93(6), pp.37-48. Mandal, P. and Calladine, C.R., 2002. Lateral-torsional buckling of beams and the Southwell plot. International Journal of Mechanical Sciences, 44(12), pp.2557-2571. Singer, J., 1989. On the applicability of the Southwell plot to plastic buckling. Experimental Mechanics, 29(2), pp.205-208. Cowper, G.R., 1966, June. The shear coefficient in Timoshenkos beam theory. ASME.

fully just? :: essays research papers

Fully Just? The death penalty debate is an extremely controversial issue affecting the world today. In today’s society, people argue whether the death penalty is an acceptable form of justice. In America, the pros and cons of the death penalty are an ongoing debate. Countless questions arise whenever someone mentions the death penalty. Is Capital Punishment just? The death penalty is just. As a citizen of the United States, I am interested in this issue because I live under the statutes of the American justice system. Someone who disagrees with the death penalty claims that it is wrong to promote murder, yet he or she promotes murder by opposing an equal punishment for those who commit the crime. Not executing criminals who commit horrific crimes is preserving a life that has devalued all life. People have been sentenced to death for various forms of wrongdoing all throughout history. One can trace back execution all the way to the crucifixion of Jesus. Stoning, drowning, burning at the stake, impaling, and beheading are other forms of punishment that people used hundreds of years ago. These previous methods are found cruel and unusual and evolve to what we refer to today as modern capital punishment. Capital Punishment today is the legal infliction of death as a penalty for violating criminal law and is justly so. Since 1976, capital punishment is accomplished through various means; lethal injection (primarily), electrocution, and gas chamber are the most prominent (Death Penalty Information Center). These new methods are more efficient and less inhumane for the party receiving the sentence of death. Thirty-eight states across the country currently take part in capital punishment; thirty-seven of which use lethal injection as the primary means. The law executes both men an d woman for various crimes, but for the most part the severity of the punishment increases with the severity of the crime (Death Penalty Information Center). The crime most punished with the death penalty is murder, and rightfully so. Society is better off without people who commit inhumane crimes. Opponents of the death penalty commonly portray the death penalty as a barbaric "eye for an eye" approach to criminal justice. Although most parts of the world do not take this philosophy literally, our culture still follows the spirit of this law. In America, two out of every three people support the death penalty, about sixty-six percent (Death Penalty Information Center).

Ap Us History Ch. 1 Notes

A. P. U. S. History Notes Chapter 1: â€Å"New World Beginnings† Summary: 225 million years ago, Earth was one supercontinent (Pangaea) and ocean. About 10 million years ago, the North America that we know today was formed (geographical shape). The first discoverers of North America were nomadic Asians who wandered over here by way of an exposed land bridge from Russia to Alaska during the Ice Age. Though they were hunters at first, by 5000 BC, they had become hunter-gatherers with a diet of basically corn. Great pre-European Indian cultures included the Pueblos, the Iroquois, the Mound Builders, the Mayans, the Incas, the Aztec, and the Sioux, among others (map of tribes on pg. 8). The Indians revered nature and land, and didn’t carelessly destroy it. Everything was put to use. In 1000 AD, Vikings discovered Newfoundland, but later abandoned it due to unfavorable conditions. Europeans, though, slowly began to proliferate into non-European worlds starting around the 1400s. After Marco Polo came back with stories of China and its riches, Europeans began to explore. First, they set up settlements in Africa, near the coast, where they used African slaves to work on plantations. In 1498, Vasco da Gama reached India, opening a sea route to the Far East. Complications and dangers of this eastern sea route influenced Christopher Columbus to sail west. In doing so, he inadvertently discovered the Americas, though he never knew it. The Portuguese were first to settle in America, but the Spanish later became the dominant nation in the Americas. Spanish Conquistadores swept through Latin and South America, destroying the Aztecs and the Incas. Meanwhile, Magellan’s crew sailed around the world in 1519, becoming the first voyage to do so. As the chapter ended, Spain was very much in control of much of the Americas, though other countries were beginning to challenge the Spanish dominance. Important People: The Aztecs- Native Americans who that lived in what is now Mexico and routinely offered their gods human sacrifices, these people were violent, yet built amazing pyramids and built a great civilization without having a wheel. The Mound Builders- Indians of the Ohio River Valley. The Mississippian settlement- At Cahokia, near present-day East St. Louis, Illionis, was home to about 40,000 people in at 1100 A. D. Hiawatha- This was legendary leader who inspired the Iroquois, a powerful group of Native Americans in the northeaster woodlands of the U. S. The Norse- These Vikings discovered America in about 1000 A. D. , when they discovered modern-day Newfoundland. They abandoned it later due to bad conditions. Marco Polo- Italian adventurer who supposedly sailed to the Far East (China) in 1295 and returned with stories and supplies of the Asian life there (silk, pearls, etc†¦) Bartholomeu Dias- A Portuguese sailor, he was the first to round the southernmost tip of Africa, a feat he did in 1488. Vasco da Gama- In 1498, he reached India and returned home with a small but tantalizing cargo of jewels and spices. Ferdinand of Aragon and Isabella of Castile- The wedded king and queen of Spain, their marriage united the previously non-existing country. Christopher Columbus- An Italian seafarer who persuaded Spain to give him three ships for which to sail west to look for a better route to India, he â€Å"discovered† America in 1492 Vasco Nunez Balboa- Discoverer of the Pacific Ocean in 1513. Ferdinand Magellan- In 1519, his crew began a voyage and eventually ended up becoming the first to circumnavigate the world, even though he died in the Philippines. The sole surviving ship returned to Europe in 1522. Ponce de Leon- In 1513 and 1521, this Spanish Explorer explored Florida, searching for gold (contrary to the myth of his seeking the â€Å"Fountain of Youth†). Francisco Coronado- From 1540 to 1542, he explored the pueblos of Arizona and New Mexico, penetrating as far east as Kansas. He also discovered the Grand Canyon and enormous herds of bison. Hernando de Soto- From 1539 to 1542, he explored Florida and crossed the Mississippi River. He brutally abused Indians and died of fever and battle wounds. Francisco Pizarro- In 1532, he crushed the Incas of Peru and got lots of bounty. Bartolome de Las Casas- A Spanish missionary who was appalled by the method of encomienda, calling it â€Å"a moral pestilence invented by Satan. † Hernan Cortes- Annihilator of the Aztec in 1519. Malinche- A female Indian slave who knew Mayan and Nahuatl, the language of the Aztec. Montezuma- The leader of the Aztecs at the time of Cortes’ invasion who believed that Cortes was the Aztec god Quetzalcoatl. Giovanni Caboto- AKA John Cabot, he explored the northeastern coaster of North America in 1497-98. Giovanni da Verranzo- An Italian explorer dispatched by the French king in 1524 to probe the eastern seaboard of U. S. Don Juan de Onate- Leader of a Spanish group that traversed parts of Mexico, Arizona, New Mexico, and Texas in 1598, he and his men proclaimed the province of New Mexico in 1609 and founded its capital, Santa Fe. Robert de La Salle- Sent by the French, he went on an expedition down the Mississippi in the 1680s. Juan Rodriquez Cabrillo- He explored the California coast in 1542 but failed to find anything of interest. Father Junipero Serra- The Spanish missionary who founded 21 missions in California, in 1769, he founded Mission San Diego, the first of the chain. Key Terms & Words, etc†¦: maize- the Indian word for corn Conquistadores – the Spanish word for â€Å"conqueror,† these explorers claimed much of America for Spain, slaughtering millions of natives in the process encomienda- a euphemism for slavery in which Indians were given to colonists to be â€Å"Christianized. † Dia de la Raza- Spanish for Columbus Day. Lake Bonneville- massive prehistoric lake, all of which remains today in the form of the Great Salt Lake. Treaty of Tordesillas- treaty that settled Spanish and Portuguese differences in the Americas, Portugal got modern-day Brazil; Spain got the rest. Pope’s Rebellion- revolt in which Indians took over New Mexico and held control for nearly half a century. Places and Countries: Timbuktu- Capital of the West African kingdom of Mali, a place located in the Niger River Valley. Madeira, the Canaries, Sao Tome, Pricipe- Areas where sugar plantations were established by Portugal then Spain where African slaves were forced to work. Potosi- A rich silver mine in Bolivia that enriched Spain with lots of wealth. Timeline: |c. 33,000 – 8000 BC |First humans come to Americas from land bridge connecting Asia and Alaska. | |c. 5000 BC |Corn is developed as a stable crop in highland Mexico. | |c. 4000 BC |First civilized societies develop in the Middle East. | |c. 1200 BC |Corn planting reaches present-day American Southwest. | |c. 1000 AD |Norse voyagers discover and briefly settle in Newfoundland (Vinland). | | |Also, corn cultivation reaches Midwest and southeaster Atlantic seaboard. | |c. 100 AD |Height of Mississippian settlement at Cahokia | |c. 1100 – 1300 |Christian crusades arouse European interest in the East. | |1295 |Marco Polo returns to Europe from Asia. | |Late 1400s |Spain unites. | |1488 |Diaz rounds the southern tip of Africa. | |1492 |Columbus land in the Bahamas. | |1494 |Treaty of Tordesillas between Spain and Portugal. | |1498 |da Gama reaches India. | |Cabot explores northeastern coast of North America for England. | |1513 |Balboa claims all lands touched by the Pacific Ocean for Spain. | |1513 & 1521 |Ponce de Leon explores Florida. | |1519 – 1521 |Cortes conquers Mexico for Spain, defeating the Aztecs. | |1522 |Magellan’s crew completes circumnavigation of the world. | |1524 |Verrazano explores eastern seaboard of Norh America for France. | |1532 |Pizarro crushes the Incas. |1534 |Cartier journeys up the St. Lawrence River. | |1539 – 1542 |de Soto explores the Southeast and discoveres the Mississippi River. | |1540 – 1542 |Coronado explores present-day Southwest | |1542 |Cabrillo explores California coast for Spain. | |1565 |Spanish build fortress at St. Augustine. | |Late 1500s |Iroquois Confederacy founded (according to Iroquois legend) | |c. 598 – 1609 |Spanish under Onate conquer Pueblo peoples of Rio Grande Valley. | |1609 |Spanish found New Mexico. | |1680 |Pope’s rebellion of New Mexico. | |1680s |French expedition down Mississippi River under La Salle | |1769 |Father Junipero Serra fo unds Mission San Diego, in California. | Makers of America: – Conquistadores included Hernan Cortes and Francisco Pizarro, who conquered the Aztecs and the Incas respectively. Within half a century of Columbus’ â€Å"discovery† of America, they had claimed, for Spain, territory that stretched form Colorado to Argentina. – They spread from Cuba through Mexico and from Panama, south through Peru. – As the Spanish crown tightened its grip on its colonies, though, the conquistadors lost more and more power. – Most of them never achieved their dreams of glory, though a few received royal titles. – Many of them married Indian women, creating a new class of people called mestizos. – The mestizos formed a bridge between Latin America’s Indian and European races.

Study On Raising Awareness About Microfinance Finance Essay - Free Essay Example

Sample details Pages: 7 Words: 1979 Downloads: 4 Date added: 2017/06/26 Category Finance Essay Type Research paper Did you like this example? The organization involved in microfinance should raise awareness in the community about microfinance and its utility through community meetings, print and electronic media.awareness should also be raised among govt. agencies and other stakeholders to create recognition of microfinance services by lobbying and advocacy. 6.1.2 Capacity Building The organization should train the front line staffs, who are involved in services delivery, who further train the local leadership at the community level to ensure participatory development process. Training should also be given to the borrowers to help them run their enterprise efficiently and profitably. Don’t waste time! Our writers will create an original "Study On Raising Awareness About Microfinance Finance Essay" essay for you Create order Leadership and Motivation Dependency on leadership should be minimized at operational level with proper monitoring in place. The leadership should keep the staff motivated through incentives based performance appraisal. 6.1.4 Market Linkages Access to the market for the microfinance clients should be ensured. This could be both for purchase of raw material and sale of finished goods of small enterprise being financed through microfinance. 6.1.5 Non interest based / Islamic mode of financing Developing new products based on Islamic mode can ensure acceptance of the microfinance programs in communities where the problem of self-exclusion exist. This should be initiated both by govt. and the organization involved. 6.1.6 Diversified Needs of Community The products should be developed according to the needs of the community. One product can not serve different communities because of the diversified needs and economic and demographic conditions. 6.1.7 Savings The organization should mobilize the community to create the habit of savings for future needs. Savings can make a community group independent in lending. 6.1.8 Clarity in vision The microfinance programs should have a clear vision regarding its target groups especially where there are integrated programs. The donors should also fund such organizations that are clear in its vision and services delivery model. 6.1.9 Research and Development The organization should initiate the RD to keep service delivery model and products and need based. The donors should also have RD initiatives to specify funding for products and not for general programs. This will help more focused programs rather than a haphazard program 6.1.10 Human Resource Development Being in the service industry, the microfinance organization should build their human capital for effective service delivery. There should be proper recruitment procedures and career development plans for employees for motivation, efficiency and retention. 6.1.11 Management Information System A proper management information system should be design or all microfinance organizations to ensure uniform and proper data maintenance and reporting. It will also ensure proper monitoring and data cleaning at all stages. 6.1.12 Lack of awareness among government agencies The policy makers at government level are unaware of the importance of microfinance in economic development. They should be oriented through literature, seminars, workshops and exposure visits. 6.1.13 The donors / funding agencies should fund the organization for its capacity building and should push them to work in areas where it needed. It should also push them to conduct need assessment surveys before starting activities in a locality. The survey will also help in developing need-based products and it will be easy for donors to fund for specific products, which will further help in monitoring and impact studies. 6.1.14 The Bank of Khyber with the support of the provincial governments should expand the microfinance scheme up to a desirable limit and streamline the affairs of the current credit operation. The existing loaning system should be revised and improved. The potential cluster/sub sectors for micro finance should be investigated for future operations. 6.1.15 The Bank of Khyber should undertake the cost benefits analysis operation of the micro finance operation in area and should ensure/pursue due compensation for the efforts involved. The area is more viable than commercial operation and can be lucrative at some stages for the bank if properly attended and managed. 6.1.16 The micro finance department of the Bank of Khyber should be re-organized, equipped and strengthened so as to undertake the expand activities in a good manner. 6.1.17 The Bank of Khyber should directly attract international donors for the microfinance programs in different sectors and sub sectors proposals should be launched to the various donor organization through the world. 6.1.18 The Bank should be associated and registered with renown/reputable micro finance organization of the world and their expertise availed. The capacity of the bank is developed to offer advisory services alongside micro finance operations. 6.1.19 The micro finance programs should be properly popularized so that the potential respondents and concerned public/private organization should come forward and promote the micro finance scheme in the target areas. 6.120 The Bank of Khyber required arranging some programs for the women to Become aware from the benefits of this micro finance and deal in the future. 6.2 FINDINGS 6.2.1 Issues related to Governments agencies, Central Bank and Donor were identified as 1: The contribution that microfinance can make towards poverty alleviation and economic development has been recognized yet. 2: Governments agencies and donors/funding agencies do not have a clear vision of the potential of the sector and hence no long-term growth strategy has been developed. 3: Donors prefer to fund big institutions, because of financial viability and organization strength. But most of these big institutions are working in selected areas of the country and the problem of up scaling of out reach is still there. 4: State resource i.e. Zakat and Bait-ul-mal are not being utilized for microfinance. These resources, if canalized properly for microfinance, can add more value than giving it in charity. 6.2.2 Issues related to Microfinance organization were identified as 1: Organization is not mission focussed, especially where there are integrated programs 2: The operational cost is high while organization has a limit to give subsidy. 3: The investment in human resources is very nominal. Organizations find it hard to retain staff because of thee absence of staff career planning and development. 4: Very organization has institutionalized their system and procedures, rest are driven by single leaders who, in most cases have no succession plan. 5: There is no research and development to identify the changing needs of the clients to develop products according to their needs. 6: Most organization have concentrated in urban areas as the cost of delivery is relatively low as compared to rural areas, but there are no need assessment surveys. 6.2.3 Issues related to the target clients were identified as: 1: Lack of awareness of micro finances institutions among then people. 2: Miss-utilization of borrowed money -Responsibility 3: Poor entrepreneurial skills to manage the enterprise. People know what enterprise to start or what activity to carry out but they lack resource management skills. 4: Self-exclusion is another constraint in scaling up of microfinance services , as some people do not accept interest based loans due to religious factor. 6.3 CONCLUSION Microfinance in its broadest terms can be defined as provision of a range of financial services such as deposits, loans, payment services, money transfers and insurance to poor and low income households, and their micro enterprises. Primarily, the microfinance customers are large in number, scattered in far-flung areas with very minute transaction sizes. Only government or state bank alone cannot reach out to millions of potential Microfinance beneficiaries; a whole well knitted network with almost doorstep reach is required, which is only possible when the commercial banks will be involved in microfinance Micro Finance has proved to be one of the most effective tools for facilitating socio-economic development through increased access to financial services.The main objective of the micro finance is to improve the access of target households and entrepreneurs to credit facility in income generation activities and micro enterprise. The improved access to credit would enable the e xpansion of existing and establishment of new business activities and enterprise resulting in higher level of income and employment. While a commercial bank is a financial institution that offers a broad range of deposit accounts, including checking, savings, and time deposits, and extends loans to individuals and businesses. The Bank of Khyber (BOK) has actively sought highly experienced staff from the development sector as resources for its microfinance unit. In this way it has combined local development knowledge with the strength of a commercial bank. The micro finance scheme offered by The Bank of Khyber timergara improve the life of the people of the dir area which is backward area and it was a very good opportunity for the citizen of the district dir who take the advantage of the facility. The Bank of Khyber was in a strong position as compared to the other commercial banks to other banks in the district dir to offer micro finance facility as they have establish their m arket during the period and have experience. The main credit scheme has enormous impact on the socio-economic interest condition of the target group and the scheme has uplifted the socio-economic interest of the target economy. There is a potential of expanding the micro finance scheme many times of the existing quantum, which needs to be prudently, captured. The loans establish and improve many trading and servicing organization in the vast majority.The microfinance initiative has received an overwhelming response from the respondents. There is need to extreme line the existing and expand the scheme up to a desirable extent in an effective and sustainable manner. The borrowers taken the microfinance loans from the bank of Khyber branch were more but we select 25 borrowers from the whole population, in this 25 respondents about all were male, there were no female because of some problems and limitations, the age of these respondents were different from 18 years top above than 60 years, their education were also different some have primary, middle, high and some were F.Sc by qualification there economic resources were also vary such as business, agriculture land ,transport and livestocts etc, the nature of their business were also of retailing, wholesaling and offering services, these people has been taken the loan for different purposes i.e. starting of new business or expanding and for stability of the existing business.We also find monthly income profile before and after borrowing the increase in the profitability of the respondents which was increased due to microfinance loans of The Bank of Khyber and the loan disbursed by the BoK to the people were of different range from 50000 to about 200000 were given to the people of the area at the mark up rate of about 14% which was affordable for some people and some it is for them , the loans were given to the people on some terms and conditions this was also difficult for about most and also it was not a pr oblem for some people, but this microfinance improve the life of people from about every side. Access to financial services significantly impacts the lives of the poor, the challenge is to mobilize this knowledge and apply it on a much vaster scale Microfinance is a viable tool for poverty alleviation and economic development. The environment of Pakistan is suitable for microfinance both in social and commercial sector terms but ample attention has not been given yet to this sector, which has leaded to insufficient resource allocation to this powerful tool of poverty alleviation. In NWFP with most of its population living in rural areas, the poverty level is the highest i.e. 31% urban and 44% rural, which indicates more need of microfinance programs. Unfortunately the pace of progress is very slow in terms of outreach, which has contributed to unemployment and underemployment. Unemployment and underemployment leads to economic chaos and the gap between the rich and poor is widening. This gap leads to frustration and ultimately damages the social fabric of the society. Sustainable development needs balanced and participatory economic and social activities, which can be ensured through effective community mobilization, capacity building, creating conductive environment for economic activities, developing linkages with the service providers and financial assistance for the meeting the capital requirement for business activities because stakes of the majority will be involved and according to Mark twain when you find that you are on the sides of the majority, it is time to reform