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The Greatest Economic Disaster

The Great Depression of the 1930s was the greatest economic disaster the United States has ever experienced. The effects were lasting and far-reaching. Though there were multiple factors that contributed to this disaster, one underlies them all. The most contributing factor to the Great Depression was the rampant consumerism of the 1920s because this consumerism led to overproduction of goods, extensions of credit for people to purchase these goods, and speculative investments in stocks of the companies that produced those […]

The Great Depression Impact on Society

Homeless starving families roaming the streets, billions of dollars lost never to be returned, and darkness and depression encompassing all aspects of life. This may sound like an impossible nightmare, but in reality, millions of people suffered through these events thinking only of survival and how to get through the next day. What could cause such horrendous events as these? Well, all of this was a result of what is known as the Stock Market Crash of 1929. In brief, […]

Hegel’s Freedom Fulfillment & James Truth

Do you agree with Hegel that one cannot find true freedom or fulfillment apart from the life of the community? Hegel’s assertion that one cannot find true freedom or fulfillment outside of the life of the community is one with which I agree for several reasons. Our fundamental notions of freedom and fulfillment are shaped by the community. Moreover, the community shapes our efforts to achieve freedom and fulfillment, as well as senses us signals when we have achieved it. […]

Security Transportation

Background Information Crime has escalated to bank sectors, therefore, sharing the limelight with the transit sector. Washington being a location for United States government, home to over 200 foreign companies also where Congress/ Supreme Court holds session, terrorists find it an excellent place to invade and fulfill their agenda (Sperry, 2011). A terrorist attack has been the significant threat that public institutions face and have to act upon. Since video surveillance cannot detect metals, at each bank entry customers, have […]

What is Globalization?

Globalization is the process or the tendency of integration and increasing interaction among governments, companies, states, people and countries driven by growth of ideas, culture and international flow of funds. The process is driven by investments and trade internationally and helped by information technology. It is affected by cultural and social aspects. In certain fields like business it resides in the economic interaction and integration of world markets. It involves technology, capital, data, services and goods. Back in 1820’s, that’s […]

Virgin Money Life Start Project

Over the years, universities have always been facing serious challenges with respect to financial issues. At times, students have ended up giving up their dreams due to disruptions caused by lack of adequate finance. In addition, the respective students after studying for many years end up in the streets due to lack of employment. As a result, they end up indulging in unethical behaviors despite being educated. Virgin money is one of the organizations which offer financial services to South […]

Marketing Strategies for Real Estate Industry

The authors examine whether the Basel capital framework that introduced the ratings-based system for the regulation banks had any profound effect on the link between finance and economic growth. Hassan, Hassan and Kin (2016) review the GDP growth per capita and the rate of international bank lending across 77 countries from 1999 to 2013 to get their results. The results revealed that ever since the Basel 2 capital regulations were implemented, the weight of risk associated with sovereign credit rating […]

Training Methods (Management)

Purpose of the company Today, due to the increased number of educated people who do not have a job, the employees have to show their worth in the company to remain relevant. The allowances that are offered in the workplace depend on the ability of the employees to attract more customers or make more sales. Some companies give the workers commission for every good or service offered to the customer. Just like any other person, the employees have been taking […]

Financial Statement

CHAPTER ONE INTRODUCTION 1. 1BACKGROUND OF THE STUDY For the past fifteen years Ecobank Ghana Limited has been consistently been at the forefront of Ghana Banking Industry. It has won more domestic recognition than more of its much older competitors; grown into what was hitherto Ghana’s largest merchant bank; and gone on to become one of the first bank in the country to become universal bank, offering commercial as well as merchant banking products and services. Ecobank Ghana Limited has […]

Role of Smes in National Development

ABSTRACT SMEs form the backbone of the Indian manufacturing sector and have become engine of economic growth in India. It is estimated that SMEs account for almost 90% of industrial units in India and 40% of value addition in the manufacturing sector. This paper closely analyses the growth and development of the Indian mall scale sector from opening of the economy in 1991. Third part looks into the present scenario of SMEs and the problems they phases like lending, marketing, […]

The Functions of the Deutsche Bundesbank

THE FUNCTIONS OF THE DEUTSCHE BUNDESBANK 1. The bank of issue Only the Bundesbank is entitled to issue banknotes denominated in Deutsche Mark (monopoly of the issue of banknotes). These banknotes are the only legal tender for any amount in Germany. Any person to whom money is owed must accept them in unlimited amounts in settlement of his claim. Coins, by contrast, are legal tender to only a limited extent. The banknotes issued by the Bundesbank therefore constitute the foundation […]

Career Opportunities with Commerce Education

>Commerce Education As a stream of study, Commerce can be studied right after 10 years of schooling. After the 10 years of schooling – commerce is available as an option in 10+2 or the Higher Secondary level. This paves the way for higher studies in commerce related subjects. The undergraduate and postgraduate Education in Commerce is offered at University departments and colleges spread all across the country. Specializations are offered at post graduate and at research levels. A number of […]

Microfinance in Philippines

COUNTRY ANALYSIS UNIT FEDERAL RESERVE BANK OF SAN FRANCISCO JANUARY 2010 Microfinance in the Philippines uring the last few years, the volume of microfinance activity has grown considerably in the Philippines and an increasing number of financial institutions have engaged in retail microfinance operations. While this sector has been traditionally dominated by rural banks, non-governmental organizations (NGOs) and finance cooperatives, in 2009 a number of commercial banks sought entrance into the retail microfinance market. This Asia Focus report reviews the […]

Small Business in Nigeria

Table of Contents Introduction—————————————— 1 Constraint in small business : 1) Exchange rate———————————–2 2) Access to loan ——————————-2 – 3 3) Infrastructure ——————————–3 – 4 4) Technology ———————————-4 – 5 5) Taxation —————————————–6 6) Regulation ————————————–7 7) Policy———————————————8 Conclusion——————————————-9 Recommendation———————————-9 Reference list———————————–10 – 12 Introduction Nigeria is a country with 923,768 sq km ( 356,700 sq miles ) and the population at there is around 144. 7 million. ( Sub Saharan Africa 2008 ). The capital city of Nigeria is […]

Foreign Exchange Practices and Hedging Tools in the Software Industry

“FOREIGN EXCHANGE PRACTICES AND HEDGING TOOLS USED BY THE SOFTWARE INDUSTRY” This report is submitted as a part of the requirements of the MBA Program of Bangalore University. This research has been undertaken by RAJEEV SAMUEL JAYAMANOHAR Reg. No: 04VWCM6068 With the guidance and support of Prof. RATHNAKAR ACHARYA Faculty, ABA ALLIANCE BUSINESS ACADEMY BANGALORE – 560 076 Batch: 2004-2006 ACKNOWLEDGEMENT I would like to express my heartfelt gratitude to our President Prof. Sudhir Angur and Director Dr. B. V. […]

Malaysia Airline

English only July 2007 PRIVATIZATION AND RE-NATIONALIZATION OF MALAYSIA AIRLINES (Submitted by the ICAO Secretariat) 1. BACKGROUND Malaysia Airlines (MAS) was incorporated as Malaysia’s flag carrier in 1971 following the breakdown of Malaysia-Singapore Airlines partnership. Since then, MAS has continued to expand its network and fleet. By mid-1980s, MAS had a total of about 60 domestic and international destinations in its network and a fleet of over 35 aircraft. However, MAS’s balance sheet suffered especially from the loss-making domestic services […]

Introduction of Banking Sector

GENERAL INTRODUCTION ABOUT THE SECTOR The Indian economy is emerging as one of the strongest economy of the world with the GDP growth of more than 8% every year. This has given a great support for the development of banking industry in the country. Due to globalization, competition among the banks has drastically been increased. As India has a substantial upper and middle class income hence the banks have immense opportunities to increase their market shares. The consumer being on […]

Corporate Governance Lessons from the Financial Crisis

The Corporate Governance Lessons from the Financial Crisis Grant Kirkpatrick * This report analyses the impact of failures and weaknesses in corporate governance on the financial crisis, including risk management systems and executive salaries. It concludes that the financial crisis can be to an important extent attributed to failures and weaknesses in corporate governance arrangements which did not serve their purpose to safeguard against excessive risk taking in a number of financial services companies. Accounting standards and regulatory requirements have […]

Performance of Pakistan Banking Sector

Banking industry begins to show signs of slowdown After witnessing a strong growth during last few years, the banking industry has now started showing signs of slowdown, as deposits, assets, investment and profitability of banking sector is on decline while credit risk, market risk, interest risk, NPLs and advances are widening. According to the assessment of the State Bank of Pakistan’s Quarterly Performance Review of the Banking System (July-September 2008), released on Thursday, due to deteriorating macroeconomic factors the performance […]

Small Business in Sub-Saharan Africa: Major Constraints in [Nigeria]

Small Business in Sub-Saharan Africa: Major Constraints in [Nigeria] Introduction The Federal Republic of Nigeria has an area of 923,768. 00 sq kilometres and completely within the tropical zone (About. com 2005). Nigeria has a population which is estimated over 154 million. It is a 12th largest petroleum product producer in the world. Due to the surge in international oil prices during 2007-08, Nigeria administrated an annual GDP of US$352. 3 billion and has the largest GDP compare to all […]

How do Multi-national Corporations Raise Funds?

Sources of Finance Multinational corporations have an array of methods they can utilise to raise capital as a means to fund different operational needs. This essay will critically analyse varied sources of finance, looking at their respective advantages and disadvantages. One of the most common methods entails borrowing funds from a bank (Taylor and Thrift, 2012). Whilst this is one source, it consists of three forms, short, medium or long term lending (Gurkaynak et al, 2005). These different forms serve […]

The Legal Status of a Company under the Law

In the background of the statement referred in the task 1(a). Discuss the legal status of a company under the law. Your answer should include a discussion on relevant cases Corporate personality refers to the fact that as far as the law is concerned, a company really exists. Consequently a corporation can easily prosecute and become sued throughout a unique label, maintain a unique property as well as crucially be responsible for a unique debts. It really is this particular […]

Banks have Changed and Evolved

The growth of the banking sector since its creation in the 1600’s has allowed for banks to change and evolve into being more than just a business. Critically discuss how, through the ages, banks have changed and evolved. Make reference in your answer to how regulation, financial crisis and societies needs have aided this banking evolution. B. 1. What is a bank? There is no comprehensive legal definition of the term ‘bank’, ‘banker’ or ‘banking’. So to define these concepts, […]

Current Money Laundering Threats and Trends

Current money laundering threats and trends Traditional Money Laundering Typologies Structured Transactions Deposited to Financial Institutions It is true to say that the smuggling of prohibited goods will bring a huge amount of money to smugglers. That money, in the end, must be integrated into the economy in order to be used. The transfer of cash through banking system is considered as the most efficient and effective way. The cash can be moved quickly and electronically in a safe environment. […]

Factors Governing Cash Reserves

Each day we are involved in a number of transactions that involve trading, exchanging, buying, selling, receiving and spending, that are centred around money or other forms of currency . Finance is the spine of the present day economy, and the banks act as the branches of the same. The term ‘bank’ finds its roots in Italy and France and has several functions to perform. Apart from the traditional functions of dealing in money by accepting deposits and advancing loans, […]

Application of Salam

Application of Bai’ Salam In Bai’ Salam is a type of product that the bank or financial institution will give the liquidated cash or capital in advance to the needy to produce their commodities and later the commodities will be deliver to them. While in Bai’ Salam itself it can be divided into three difference type of contracts. They are parallel Salam, Hybrid Salam and also Salam financing working capital. Firstly, the parallel Salam is a common salam that use […]

What is a Credit Union?

A credit union is a co-operative financial institution, which is owned and controlled by its members. Credit unions are not-for-profit, and exist to provide a safe, convenient place for members to save money and obtain loans and other financial services at competitive rates. Members of a credit union share a common bond, such as their occupation, where they live or attend church. (Credit Union League 2004). The Jamaica Credit Union League, a co-operative central body embracing all the credit unions […]

The World Financial Industry

1.0 Introduction The number of bank mergers in 1990s has increased 215%. (Becher, D.A., 1999) From 1987 to 1997, the value of mergers and acquisitions in the world financial industry has reached nearly 1.4 trillions of US dollars. (Cybo-Ottone, MurgiaSince, 2000) Since bank mergers become popular, there has a controversy about whether bank acquisitions create value for target and bidder shareholders. This paper gives a literature review about this paradox and it is divided by four parts. First part is […]

Use of Basel III in Banking Laws and Regulations

Basel Accords which are recommendations on banking laws and regulations issued by the Basel Committee on Banking Supervision consists of Basel I, Basel II and Basel III. Basel I was adopted in 1988 and was enforced internationally in 1992. While Basel I is now outdated, Basel II was formed and implemented by a lot of countries. Soon after that Basel III came into place when the world was faced with Global Financial Crisis. Basel I primarily focused on credit risk. […]

The too Big to Fail Problem

“Too big to fail” was a very regular term we all heard during the Great Recession of 2008, but did we truly understand the term? To understand this overused term, we must first define what it means to be a firm that is “Too Big to Fail”. According to Stern and Fieldman, ” ‘too big to fail'(TBTF), a term describes the receipt of discretionary government support by a bank’s uninsured creditors who are not automatically entitled to government support.” (8). […]

Bank Essays