m e n t st.jo seph’ instit u t e o f ma n a g e st. joseph ...4 sjim mandatory disclosure 2020 st....
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St. Joseph’s Institute of Management28/1, Primrose Road, Off M G Road,
Bengaluru - 560 025
MANDATORY DISCLOSURE
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3SJIM Mandatory Disclosure 2020
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1. Name of the Institution
St. Joseph’s Institute of Management
28/1, Primrose Road, Off M G Road, Bangalore – 560 025 Phone No. 080 2559 7781 / 2559 7791 Mobile No. 99722 52765 / 73537 49006 Email:[email protected]
2. Name and address of the Trust/ Society/ Company and the Trustees
Bangalore Jesuit Educational Society
25,MuseumRoad,Bangalore–560025
3. Name and Address of the Vice Chancellor/ Principal/ Director
Dr. Rashmi Nakra
St. Joseph’s Institute of Management
28/1, Primrose Road, Bangalore – 560 025 080–25597791|Email:[email protected]
4. NameoftheaffiliatingUniversity
Nil
5. Governance
GoverningCouncilMembersName & Designation Others
Rev.Dr.StanyD’SouzaSJ.Provincial,KarnatakaJesuitProvince Chairman
RevFrBrianPereiraSJ.VicePresident,BJES ViceChairman
RevDrManojD’SouzaSJ.ExecutiveDirector Secretary
Dr Rashmi NakraDirector Member
RevFr.ArunD’SouzaSJ.SecretaryandTreasurer,BJES Member
Rev.Fr.DanielFernandes,SJ.Principal,St.Joseph’sCollegeofCommerce Member
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Dr R. NarasimhanDean,SJIM Member
Mr.RobinsonD’SouzaAdvocate&LegalConsultant Member
Prof. P. D. JoseAssociateProfessor,IIMBangalore Member
Dr.PallabBandyopadhyayDirector-HumanResources,Citrix Member
Mr.AjitAranhaCFO/DirectorBusinessOperationEMCDataStorageSystems(India)PrivateLtd
Member
Mr.SolomonRavikumarVicePresident–HumanResources,VolvoIndia Member
Mr.BijuYohannanHumanResource,GDCIndia Member
Mr.RajivNoronhaVPandHead(Analytics,TCS) Member
RegionalOfficer,AICTESouthWesternRegionalOffice Member
Nominee AICTESouthWesternRegionalOffice Member
MembersofAcademicAdvisoryBody
S.No. Name Affiliation Membership
1. Rev.Dr.ManojD’Souza,SJ ExecutiveDirector,St.Joseph’sInstituteofManagement Chairman
2. Dr. R. Narasimhan Dean,St.Joseph’sInstituteofManagement Secretary
3. Prof. Suresh Herur Professor,St.Joseph’sInstituteofManagement Member(SJIM)
4. Prof. V.J. Lawrence Professor,St.Joseph’sInstituteofManagement Member(SJIM)
5. Dr.Venkateshraj Professor,St.Joseph’sInstituteofManagement Member(SJIM)
6. Dr.AvilSaldanha Asst.Prof,St.Joseph’sInstituteofManagement Member(SJIM)
7. Dr. C.N. Kshetragna ChiefFacilitator,CareerHi,Chennai Member(Industry)
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8. Mr. Aditya Narayan Mishra DirectorandCEO,CIELHRServices,Bangalore Member(Industry)
9. Mr.KumarVisvanathan Head-SharedServices,Mindtree,Bangalore Member(Industry)
10. Dr. George Antony Dean,FISATBusinessSchool,Angamaly Member(Academic)
11. Dr. Regie Professor,IIMBangalore Member(Academic)
12. Dr. Anantharaman Professor,XIME,Bangalore Member(Academic)
13. Mr. Kenneth Joshua HeadHR,Lenovo,Bangalore Member(Alumni)
14. Mr. Karthik Ponnappa Co-founder,SmarterDharma,Bangalore Member(Alumni)
15. Ms.AmaliSebastian AccountManagement,Expeditors,Bangalore Member(Alumni)
• FrequentlyoftheBoardMeetingandAcademicAdvisoryBody
2 meetings / year
• Organizationalchartandprocesses
Director
Office Manager Library Computer
LabDean
Asst. Manager Librarian Lab
SupervisorMarketing
HODHR HOD Finance HOD
Office Assistant
Asst. Librarian Lab Asst.FacultyFacultyFaculty
• NatureandExtentofinvolvementofFacultyandstudentsinacademicaffairs/improvements
• StudentFeedbackonInstitutionalGovernance/Facultyperformance
Yes
• GrievanceRedressalmechanismforfaculty,staffandstudents
Yes
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• EstablishmentofAntiRagging Committee
Yes
• EstablishmentofOnlineGrievanceRedressalMechanism
Yes
• EstablishmentofGrievanceRedressalCommitteeintheInstitutionandAppointmentofOMBUDSMANbytheUniversity
Yes
• EstablishmentofInternalComplaintCommittee(ICC)
Yes
• EstablishmentofCommitteeforSC/ST
Yes
• InternalQualityAssuranceCell
Yes
6. Programmes• NameofProgrammesapprovedbyAICTE
PGDM
• NameofProgrammesaccreditedbyAICTE
Yes
• Statusofaccreditationofthecourses
NIL
• TotalnumberofCourses
1
• No.ofCoursesforwhich applied for Accreditation
1
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• StatusofAccreditation–AppliedforSARandresultsawaited
• NamePGDM
• Numberofseats180
• Duration2 years
• Cutoffmarks/rankofadmissionduringthelastthreeyears:
Year 2017 2018 2019
YearwiseSanctionedIntake 120 180 180
YearwiseActualAdmissions 120 187 186
Cutoffmarks–Generalquota 50% 50% 50%[SixstudentsmorethantheapprovedintakewereadmittedaspertheprovisioninAPH-2018and2019underTFLscheme(tuitionfeewaiver)]
• PlacementFacilities
Yes
• Campusplacementinlastthreeyearswithminimumsalary,maximumsalaryandaveragesalary
Year 2017 2018 2019
Min.Salary 4.0 4.2 4.5
Max.Salary 7.8 9.5 10.0
AverageSalary 5.0 5.8 6.0
7. Faculty
Rev.Dr.ManojD’Souza,S.J.GeneralManagementExecutiveDirector
Dr. Rashmi NakraMBA,CAIIB,Ph.DDirector
Dr. R NarasimhanPh.D.(IITMadras)StrategicManagementFinance
Mr. Suresh HerurBE,PGDIE(NITIE),FICWAFinance
Mr. V J Lawrence BE,MS,PGDOM,M.I.EOperations&HR
Mr.V.VenkateshrajB.Sc.,BE(IISC),MBAFinance
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Mr.AbrahamKarimpanalB.E.(BITSPilani),MBAMarketing
Mr. V.K. AnandBE, MBAMIS
Ms. Binny CherianM.A.(Eco),PGDBAEconomics
Dr.AvilTerranceSaldanhaBE,PGDM,DIMMarketing
Rev.Dr.CyprianTellis,SJPh.D.BostonCollege,USAHumanResources
Dr.MariaImmanuvelM.Com,MBA,PGDCA,PGDSRM,Ph.DFinance
Dr.AnupKrishnamurthy,Ph.D.(IIMBangalore)Marketing
Dr.CarenRodrigues,Ph.D.(IIMBangalore)HumanResources
Dr.BinduSingh,Ph.D.(IITRoorkee)HumanResources
Dr.PadmavathiKoride,PGDRM,Ph.D.(IISc)Marketing
Fr.JasonFurtado,SJ,M.ComFinance
• AdjunctFaculty
RevDrTonyThampiEducationalqualification:MBA,PhD(US)Department:GeneralManagementWorkExperience:25years
Mr Anil ShenoyEducationalqualification:MBA,CADepartment:FinanceWorkExperience:32years
Mr Rohan PaisEducationalqualification:ICWA,MBADepartment:FinanceWorkExperience:20years
Mr Anik SahaEducationalqualification:B.Tech,PGDM(IIMB)Department:MarketingWorkExperience:19years
MrAnvithMurthyEducationalqualification:B.Tech,PGPM(XLRI)Department:HumanResourcesWorkExperience:15years
MrNatarajanEducationalqualification:MSC,MSDepartment:OperationsWorkExperience:30years
Mr Harsh Kumar JohariEducationalqualification:BNS,PGPX(IIMA)Department:OperationsWorkExperience:25years
MrAjitRaoEducationalqualification:BA,MBADepartment:MarketingWorkExperience:33years
MrNaveenFernandesEducationalqualification:MA,CFPDepartment:FinanceWorkExperience:33years
Ms Smita RamakrishnaEducationalqualification:CA,MBADepartment:FinanceWorkExperience:25years
Mr R SureshEducationalqualification:LLB,MBADepartment:HumanResourcesWorkExperience:25years
Mr Christopher AnandEducationalqualification:PGDBM(XLRI)Department:HumanResourcesWorkExperience:16years
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• PermanentFaculty:StudentRatio
1:16
• NumberofFacultyemployedandleftduringthelastthreeyears
4Employed,2Retiredand2left
8. ProfileofViceChancellor/Director/Principal/Faculty
CheckWebsite:http://sjim.edu.in/faculty.php
9. Fee
Details of fee for 2019 - 21ForNon-Karnatakastudents ForKarnatakastudents
1stinstallment 2,00,000 1stinstallment 2,00,000
2ndinstallment 2,00,000 2ndinstallment 1,90,000
3rdinstallment 2,00,000 3rdinstallment 2,00,000
4thinstallment 2,00,000 4thinstallment 1,90,000
• No.ofFeewaiversgrantedwithamountandnameofstudents
6students–fulltuitionfeewaiver
• NumberofscholarshipofferedbytheInstitution,durationandamount
28 lakhs for 60 students
• Criteriaforfeewaivers/scholarship
Economically weak students
• EstimatedcostofBoardingandLodginginHostels
8,000permonth
10. Admission
• Numberofseatssanctionedwiththeyearofapproval
180
• NumberofStudentsadmittedundervariouscategorieseachyearinthelastthreeyears
Year 2017 2018 2019
Admitted 120 187 186
[SixstudentsmorethantheapprovedintakewereadmittedaspertheprovisioninAPH-2018and2019underTFLscheme(tuitionfeewaiver)]
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• NumberofapplicationsreceivedduringlasttwoyearsforadmissionunderManagementQuotaandnumberadmitted
Year 2018 2019
ApplicationReceived 1045 1078
11. Admission Procedure• Mentiontheadmissiontestbeingfollowed,nameandaddressoftheTestAgencyand
itsURL(website)
MAT,CAT,XAT,ATMA,CMAT
• NumberofseatsallottedtodifferentTestQualifiedcandidateseparately(AIEEE/CET(Stateconductedtest/Universitytests/CMAT/GMAT)/Associationconductedtest)
MAT - 167
CAT - 1
CMAT - 12
• CalendarforadmissionagainstManagement/vacantseats:
Marcheveryyear
• Lastdateofrequestforapplications
Marcheveryyear
• Lastdateofsubmissionofapplications
Marcheveryyear
• Datesforannouncingfinalresults
Marcheveryyear
• Releaseofadmissionlist(mainlistandwaitinglistshallbeannouncedonthesameday)
Marcheveryyear
• Dateforacceptancebythecandidate(timegivenshallinnocasebelessthan15days)
1 Week
• Lastdateforclosingofadmission
Mayendeveryyear
• StartingoftheAcademicsession
1st week of June
• Thewaitinglistshallbeactivatedonlyontheexpiryofdateofmainlist
Yes
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• Thepolicyofrefundofthefee,incaseofwithdrawal,shallbeclearlynotified
Yes
12. Criteria and Weightages for Admission
• Describeeachcriterianwithitsrespectiveweightagesi.e.AdmissionTest,marksinqualifyingexaminationetc.
XStd 10percent
XIIStd 10percent
Degree 20 percent
Workexperience 10percent
All India entrance test score 15 percent
English essay 10 percent
PersonalInterview 25percent
Total 100 percent
• Mentionthecut-offlevelsofpercentageandpercentilescoreofthecandidatesintheadmission test for the last three years
60percentileinentranceexams
• DisplaymarksscoredinTestetc.andinaggregateforallcandidateswhowereadmitted
13. InformationofInfrastructureandotherresourcesavailable
Room No. Facilities CarpetAreainSqm020 Director’sOffice 92.84001 Dean’sOffice 93.03
002-003 AdministrativeOffice 199.07004 OfficeRecordRoom 13.2005 ExaminationRecordRoom 10.69006 ControllerOfExam 21.28007 StaffMeetingRoom 78.07008 ToiletForDisable 22.68009 ToiletMen 24.16010 ToiletMen 28.62011 ToiletLadiesStaff 16.54012 HouseKeeping 6.13013 EveningProgramOffice 21.28014 PlacementOffice 21.28015 FacilityOffice 16.08
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016 FirstAid&SickRoom 22.03017 Pantry 22.12018 StoreRoom 16.08019 Board Room 98.79
Ground Lounge 80.58021 XavierHall 498.42
Ground LobbyDirectorFront 122.68Ground Landscape&Entrance 161.89021 A ToiletGents 25.37021 B ToiletLadies 16.82101 Class Rooms 98.7103 FacultyRooms 87.92102 Class Rooms 98.61104 Class Rooms 69.98105 Class Rooms 78.16113 Class Rooms 98.7114 Class Rooms 98.79109 FacultyRooms 98.7110 FacultyRooms -111 FacultyRooms -112 FacultyRooms -115 FacultyRooms 27.04106 ToiletLadies 21.68107 ToiletLadies 52.32
108 A ToiletLadies 24.16108 LadiesCommonRoom 78.44116 LoyolaAuditorium 494.8
FirstAudi FurnitureStore 18.12FirstAudi Gent‘SToilet 28.62FirstAudi ToiletLadies 18.49FirstAudi Lobby 98.14
201 CounselingRoom 78.34202 Meditation/PrayerRoom 76.86203 Class Rooms 78.34204 Class Rooms 48.7205 Class Rooms 48.61206 Class Rooms 87.83
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207 Class Rooms 69.8208 Class Rooms 78.1209 ToiletLadiesStaff 22.12210 ToiletGentsStudents 24.16211 ToiletGentsStudents 28.62212 ToiletGentsStaff 24.16218 Class Rooms 98.51219 Class Rooms 98.7213 Boy’sCommonRoom 70.26214 FacultyRooms 98.51215 FacultyRooms -216 FacultyRooms -217 FacultyRooms -220 Library 496.93
220 A ToiletGents 25.84220 B ToiletLadies 21.19Lib Lobby 117301 Class Rooms 76.77303 Class Rooms 98.7304 Class Rooms 98.61305 Class Rooms 98.61306 Class Rooms 78.1307 Class Rooms 78.1312 Class Rooms 78.1313 Class Rooms 98.51314 Class Rooms 98.61315 Class Rooms 98.7302 IncubationRoom 78.34308 ToiletGents 22.12309 ToiletGents 24.16310 ToiletGents 28.62311 ToiletGents 24.16316 ComputerServerRoom 25.84
317-318 ComputerLab 276.12319 SeminarHall 138.2320 GuestRooms 23.79321 GuestRooms 42.19
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• BarrierFreeBuiltEnvironmentfordisabledandelderlypersons
Yes
• OccupancyCertificate
Yes
• FireandSafetyCertificate
Yes
• HostelFacilities
Yes
• Library
Books ---- 22,325
Titles ---- 11,568
E-Books ---- 17,200
Journals ---- 65
EJournals ---- 700
• ComputingFacilities
120 Computer with internet connected
• InternetBandwidth
1:1 100mpbs
• Majorsoftwarepackagesavailable
WindowsServer16,Windows10,MicrosoftOffice16,SPSS,
• Specialpurposefacilitiesavailable
• InnovationCell
Yes
• SocialMediaCell
Yes
• ComplianceoftheNationalAcademicDepository(NAD),applicabletoPGCM/PGDMInstitutionsandUniversityDepartments
Yes
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• GamesandSportsFacilities
Basketball,Badminton,Cricket,TableTennis.
• Extra-CurricularActivities
• SoftSkillDevelopmentFacilities
• AcademicTimeTablewiththenameoftheFacultymembershandlingtheCourse
• TeachingLoadofeachFaculty
16 hours per week
• InternalContinuousEvaluationSystemandplace
Yes
• Student’sassessmentofFaculty,Systeminplace
Yes
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• ForeachPGDMCoursesStructure:
I TRIMESTER II TRIMESTER III TRIMESTERBusinessCommunication PublicSpeaking-ToastmasterProgram-II PublicSpeaking-ToastmasterProgram-IIIPublicSpeaking-ToastmasterProgram-I BusinessLaws BusinessEthicsBusinessStatistics-1 BusinessStatistics-2 ResearchMethodologyInformationSystemsforManagers Macroeconomics CorporateFinance-IIManagerialEconomics CorporateFinance-I ManagementAccountingFinancialAccounting MarketingManagement-I MarketingManagement-IIOrganizationalBehavior HumanResourceManagement OrganizationalStructureandDesignAdvancedSpreadsheetApplications OperationsManagement OperationResearchBusinessandManagementEnvironment BusinessandManagementEnvironment BusinessandManagementEnvironment
IV TRIMESTER V TRIMESTER VI TRIMESTERStrategicManagement BusinessAnalytics EntrepreneurshipBusinessManagementEnvironment InnovationandTechnologyManagement CounsellingandStressManagementTotalQualityManagement AdvancedSPSSApplicationsPersonalGrowthLab
FINANCE-ELECTIVESAnalysisofFinancialStatements MergersandAcquisitionsCommercialBanking SecurityAnalysisandPortfolioManagementDerivativesManagement TaxationFinancialModellingUsingExcel WealthManagementandPersonalFinancialPlanningInternationalFinance
HUMANRESOURCE-ELECTIVESCompensationandBenefitsManagement OrganizationalDevelopmentandManagementofChangeCompetencyMapping&LeadershipDevelopment PerformanceManagementManpowerPlanningandTalentAcquisition TrainingandDevelopmentandKnowledgeManagementInternationalHumanResourceManagement HRMetricsandAnalyticsLabourLawsandIndustrialRelations
MARKETING-ELECTIVESBusinesstoBusinessMarketing RetailManagementConsumerBehaviour SalesandDistributionDigitalMarketing ServicesMarketingMarketingResearch MarketingofHighTechnologyProductsStrategicBrandManagement
OPERATIONS-ELECTIVESERP-EnterpriseResourcePlanning SupplyChainManagementLeanManagementandSixSigma MaterialsManagementProductivityManagement ServicesOperationsManagementProjectManagement
v Dual Specialization – Marketing, Operations, Marketing, Finance14. Enrollment of students in the last 3 years15. ListofResearchProjects/ConsultancyWorks
•NumberofProjectscarriedout,fundingagency,Grantreceived
•Publications(ifany)outofresearchinlastthreeyearsoutofmastersprojects
•IndustryLinkage
•MoUswithIndustries(minimum3)
16. LoAandsubsequentEoAtillthecurrentAcademicYear
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FacultypublicationsinWebofScienceandScopusJournalsKoride,P.,1. &Gurtoo,A.(2019).AComparisonofBorrowingandDefaultBehaviourBetweenMenandWomen.StudiesinMicroeconomics,7(2),189-209.
Koride,P.,2. &Gurtoo,A.(2019).IndividualborrowinganddefaultbehaviourincreditsurplusandcreditconstrainedenvironmentsJournalofCurrentScience.
Saldanha,A.,3. Saggar,K.,&Aranha,R.(2019).TelevisionViewingPreferencesofKannadaSpeakingPopulationofBangalore–ASpecialEmphasisonKannadaSportsChannel.InternationalJournalofRecentTechnologyandEngineering(IJRTE),Vol.8,No.4.
Aranha, R., Thomas,M.,& 4. Saldanha,A. (2019). Impact of Transformational Leadership on theAffectiveCommitmentofEmployeesintheServiceSector.InternationalJournalofRecentTechnologyandEngineering(IJRTE),Vol.8,No.4.
Krishnamurthy,A.,5. &Kumar,R.S.(2018).ElectronicWord-of-MouthandtheBrandImage:ExploringtheModeratingRoleofInvolvementthroughaConsumerExpectationsLens.JournalofRetailingandConsumerServices,43(July),149-156.
Krishnamurthy,A.,6. &Shainesh,G.(2017).SnubbingtheOldtoEmbracetheNew:TheImpactofCross-buyingontheUsageofExistingServices.JournalofServicesMarketing,31(6),662-675.
Krishnamurthy,A.,7. Sadarangani,P.,&Bagozzi,R.P.(2017).SharedConsumerNeedsAcrossIndiaandChina:APathtoGlobalAdvertisingofServices?ManagementInternationalReview,57(3),473-500.
Pasricha,P.,8. Singh,B.,&Verma,P.(2017). EthicalLeadership,OrganicOrganizationalCulturesandCorporateSocialResponsibility:AnEmpiricalStudyinSocialEnterprises.JournalofBusinessEthics,151(4),941-958.
Singh,B.,9. &Rao,M.K.(2017).Togearupfirmperformanceinbankingindustry:theroleofdynamiccapability.GlobalBusinessReview,18(4),1019-1040.
Singh, B.,10. &Rao,M.K. (2016). Effects of intellectual capital on dynamic capabilities. Journal oforganizationalchangemanagement.Journaloforganizationalchangemanagement,29(2),129-149.
Vihari,N.S.,11. Singh,B.,&Rao,M.K.(2016).Relationshipbetweenhumancapitalmanagementandorganisationalperformance:empiricalevidencefromselectIndianbanks.InternationalJournalofLearningandIntellectualCapital,13(1),1-2.
Rodrigues,C.&Krishnamurthy,A.,12. (2016).Mirror,mirroronthewall:Identity-imageinteractionsandthesalesforceinhighthreatSituations.EuropeanManagementReview,13(4),307-323.
D’Souza,M.J.,13. &Rodrigues,P.(2015).InvestigatingtheEffectivenessoftheFlippedClassroominanIntroductoryProgrammingCourse.NewEducationalReview,40(2),129-139.
D’Souza,M.J.,14. &Rodrigues,P.(2015).Extremepedagogy:Anagileteaching-learningmethodologyforengineeringeducation.IndianJournalofScienceandTechnology,8(9),828-833.
D’Souza,M.J.,15. &Rodrigues,P.(2015).EngagingMillennialStudentsinanEngineeringClassroomusingExtremePedagogy.IndianJournalofScienceandTechnology,8(24),1-6.
D’Souza,M.J.,16. &Rodrigues,P.(2014).eXtremeTeaching-LearningParadigm:Apedagogicalframeworkforhighereducation.InternationalJournalofAppliedEngineeringResearch,10(69),153-156.
Kulkarni,M.&17. Rodrigues,C., (2014). EngagementwithDisability:Analysis ofAnnual Reports ofIndianOrganizations.TheInternationalJournalofHumanResourceManagement,25(11),1547-1566.
St. Joseph’s Institute of Management belongs to the world-wide network of Jesuiteducationalinstitutionsunderthebanner,SocietyofJesus.InBangalore,St.Joseph’sisabrandnameforgoodeducationsince1858.InthatyeartheFrenchForeignMissionarySocietyfoundedtheSt.Joseph’sEuropeanHighSchoolfortheeducationofAngloIndianboysandstudentsofforeignorigin.In1882,theSt.Joseph’sCollegefounditsbirthandsubsequentlySt.Joseph’sIndianHighSchool.FromthenonthegrowthofJoseph’swasonanevenkeel.
Interestingly,theJesuitFatherscameintothepictureonlyin1937.Inthatyear,theFrenchFathershandedovertheSt.Joseph’sCollegeandSchoolstotheSocietyofJesus,whicheventuallytooktheregisterednameofBangaloreJesuitEducationalSociety.
Ascanbeseen,therefore,St.Joseph’sisablendoftwomissionarycultures-theFrenchFathers known for their gentle handling and undying loyalty and the Jesuit Fathers,renownedfordisciplineandscholarship.Henceitisnotsurprisingtoseeawarmemorialas one enters St. Joseph’sEuropeanHighSchool (nowSt. Joseph’sBoysHighSchool)doinghonourtothestudentheroesoftheSchoolwhodiedintheFirstWorldWar.Theplaquereads:“Itisjustandhonourabletolaydownone’slifeforone’scountry”.
The Jesuitswere slow to come intoManagement education for a long time since theyfeltthatthedisciplinewasintheserviceofMammon.Butwhentheyrealisedthatitwasin thatdubiousarea that their servicesweremostneeded, theycame inunreservedly.Today,JesuitInstitutessuchasXLRI,XIMB,LIBAandothersareknownbothforgoodeducationandhumanity.
SJIMchampionsqualityeducationwithastrongvaluebaseandsocialbias.Coursesareofferedatmoderateratestogiveweakerstudentswithability,anopportunitytostudy.Thecollegealsoensuresthatnodeservingstudenthastogoawaymerelyongroundsofpaucityoffunds.
WebelievethatastudentgetsbondedwiththeAlmaMateronlywhentheygiveapartofthemselvestothatdearmother!
HERITAGE