Interest Essay Examples - Free Research Paper Topics on StudyDriver.com

Today’s Financial Environment

INTRODUCTION Today’s financial environment is highly risk prone. The volatility of economic variables such as interest rates, exchange rates, commodity prices etc has increased because of the increased internationalization of businesses. In order to have a stable business a firm must identify and manage its risk carefully. Risk is defined as the doubtfulness of returns. Any firm faces two types of risks. Business risk Financial risk A business risk includes the risk of competition, risk of a new technology hampering […]

Understand the Impact of Macroeconomic Factor

The impact of globalization has caused the transfers of funds and investment activities to be no longer limited in one country only. Those activities are now expanded to all over the world. Based on the stock valuation model, macroeconomic forces may have systematic influences on stock prices via their influences on expected discounted future cash flows. Study by Nil Gunsel and Sadik Cukur et al, (2007) the relations between them may be motivated using the arbitrage pricing theory (APT) model […]

The Sampling and Data Collection Procedures Used in Market Research

This study is based on 60 monthly observations from April 2005 to March 2010 inclusive. The period was chosen to provide enough observations to obtain reliable parameter estimates. The totality of the data was obtained from Yahoo Finance, Bank of England, and Office for National Statistics. Despite that historical Stock data is available on daily, weekly and monthly basis; monthly data was obtained because historical data for some other independent variables like inflation and money supply were only available monthly. […]

The Sources of Finance Available to an Organization

Sources of Finance Finance is essential for a business’s operation, development and expansion. Finance is the core limiting factor for most businesses and therefore it is crucial for businesses to manage their financial resources properly. Finance is available to a business from a variety of sources both internal and external. Internal sources of finance Funds which are available within the organisation and consist of: Personal savings Business borrows personal money of a shareholder, partner or owner for a business’s financial […]

The Large Movements of Volatility Spreading by the European Monetary Union

Over the last months, European Monetary Union (EMU) countries have experienced large movements in their spreads with an unrecorded degree of volatility. Academic research consensuses agree these movements haven’t been the result of the same causes over time; for instance, at the beginning of the crisis investors required higher premiums, making the market price of risk increase. There were a preference for few riskier assets, making sovereign securities the favorites at the expense of corporate bonds and other riskier assets; […]

THE LEGAL ELEMENTS of FINANCING in BUSINESS

Balance sheet: This financial information sheet is very important as it illustrates the company’s financial status and stability, as it summarises how the company is being operated, as well as listing its liabilities and assets (Alexander and Britton, 2004). The term balance sheet explains its intention of presenting financial data as its two parts are intended to balance and show equality, and would normally include the following information: (International Labour Office, 1991) Current assets Fixed assets Current liabilities Long-term liabilities […]

The Management of Fianancial Resources and Decisions

Sources of Finance Js and Co. must be very aware of the importance to use the appropriate sources of financing meeting the needs of your company. Sources of finance to business There are different sources of finance,namely : Short term finance- Trade credit Commercial banks -overdraft Fixed deposits for a period of 1 year or less Advances received from customers Various short-term provisions Operating lease. Medium term finance- Debentures/bonds Public deposits/fixed deposits for duration of three years Commercial banks – […]

Why Shareholder Wealth Maximization is Important

My opinion is that the shareholder wealth maximization should be a superior objective over stakeholder interest because that is a common trend of firm’s development in a comparative market. However, in the reality companies do not just focus on the shareholders. To understand and make it clearer, we should pay attention to several definitions of shareholder, stakeholder and theories of shareholder and stakeholder and what the differences between them are, and what debates between them? First, what is a shareholder? […]

The Furniture Industry and Finance

From the last many years globalization has caused a vast impact on many industries. UK furniture industry also changed a lot with such a globalization trend. The addition of the technology and the changes in interior designing boosted the furniture business to a greater degree. Moreover, the globalization increased the choice for a consumer and the market started to be more competitive as earlier. (Drayse 2008) Jools Furniture Industries Ltd The overall growth rate and the position in market seem […]

The Effect on Global Financial Markets

Introduction The effect on global financial markets erupted in the beginning of 2008 and it still prevails round the globe. When I was in India during 2008, I still remember the stock market shooting up by 4000pts in a single day and fell by 3000 pts a week later. I want to give an example, For the entire week Mr. Mukesh Ambani was the richest man in the world. This was caused due to the increase in supply of money. […]

The Connection between Macroeconomic Variables and Stock Price

Over the past few decades, the connection between macroeconomic variables and the movement of stock prices has been a subject of interest among academics and researchers. It is often argued that stock prices are determined by some fundamental macroeconomic variables such as interest rate (Base Lending Rate, BRL), exchange rate, inflation (Consumer Price Index, CPI), industrial production index and money supply (M2). In fact, investors generally believe that macroeconomic events have a large influence on the volatility of the stock […]

Assessing the Current State of the Worlds Financial System

The world financial system, has suffered a severe and virtually unprecedented blow leading to the failure of a number of major institutions and forcing government intervention on a massive scale in a number of countries. Adrian Turner, chairman of the FSA in the UK attributes the current financial crisis to: ..an interplay between macroeconomic imbalances which have become particularly prevalent over the last 10-15 years, and financial market developments which have been going on for 30 years but which accelerated […]

The Definitions of Financial Intermediaries in the Economy

Definitions of financial intermediary is financial institutions accept money from the depositor or investor funds and borrowers, and the relationship between the income for those seeking in their capital and those seeking credit. Financial intermediaries including savings and credit unions, architecture and loan association, savings Banks, commercial Banks, life insurance company’s credit departments and investment companies. Besides that financial intermediaries are the institutions which are intermediaries between savers and investors, moving funds between the two. Examples include banks, insurance companies, […]

Taking a Look at Global Financial Market and Investment

Fundamental set of choice for Strategy of investment would probably consist of: options, futures, straddles, leaps, precious metals (bullion or shares) or some other similar investments which need a detailed understanding associated with the relevant instruments as well as market segments to possess an opportunity to achieve success. Besides such, I might furthermore think about the pursuing mainly because Replacement Investment: hedge resources, maintained futures resources, private equity attractions, currency funds, direct participation programs (limited partnerships), and other funds that […]

The Capital and Money Markets in the Economy

There were two group of markets can be found in financial market. They were the capital market and the money market. Although they both come from financial market but they consist of differences. In capital market, we will found the stocks and bond market but in general it is the market for securities where long term funds can be raised by companies or government. To raise the funds, a person needs to purchase a price-set bond in order to borrow […]

Spry Plc

1.0 Introduction Spry Plc. as a large listed company, the directors identify that there are some large projects which have great chances for success if the company has enough of funds to take over it. The estimated finance needed for the projects is approximately £200 millions; the company has to search for outside sources in order to reinvested profits in existing undertaking. There are some subjects to be reported on this piece of work is either debt or equity to […]

Security Valuation of APN News and Media Ltd

This report discusses the security valuation of a media and publishing company called APN News and Media ltd. The research follows the three step valuation process and top down approach which starts by analysis of the economy and moves further for analyzing the industry and filters down to the company analysis and valuation of the stock. The First part of the report presents an in depth analysis of financial ratios for APN News and Media ltd and its two competitors […]

Short Term and Long Term Debt Financing

The aim of this paper is to propose two sources of short term and long term debt for Ditchling Ltd. The paper will seek to identify the reasons of finance in the company and suggest the most appropriate sources based on those reasons. 2.0 BUSINESS BACKGROUND Ditchling Ltd is a Residential Care Service which is registered and regulated by the Care Quality Commission. It delivers professional high quality support services to adults with learning disabilities and associated challenging behaviour in […]

Sources of Finance for Industry in Italy

The Industries in Italy are very much developed and modernized. These are also one of the main sources for the GDP of Italy. Also they provide the highest employment opportunities. The main sources of finance for the industry are the subsidized loans, medium term loans. These loans are provided by the govt. as well as the different banks at variable and fixed rates. Evolution of Banking in Italy The firstA banksA were probably the religiousA templesA of the ancient world, and were probably established […]

Report into the Financial Performance of Sage Group

The sage report discusses the financial performance of the Sage Group as a whole for the financial year 2007. The group has a significant presence in 20 countries worldwide, providing services to 5.8m customers to help managing their businesses more efficiently and effectively through the provision of their products and quality services. Sage is one of the efficient leading and prominent worldwide supplier of business management software to SMEs. It is the leading supplier in chosen market segments concentrating primarily […]

Report for Potential Investors in Tesco Plc

The purpose of this report is for potential investors who are considering buying shares in Tesco plc. The report creates an overall picture of Tesco’s financial position and provides an assessment of Tesco’s performance over the last three years. The information used to assess the financial position of Tesco was gathered from the Annual report of the last three years. This information was downloaded from the official Tesco website. From that, the ratios were calculated from the financial statements within […]

Relationship between Assets and Liabilities on Balance Sheet

Cement industry indeed a very important part of industrial sector that plays a essential role in the economic development. Though the cement industry in Pakistan observed its lows and highs in recent past it improved during the last couple of years and floated once again. A basic economic decision deal with a financial intermediary is the mixture of assets to buy and liabilities to sell, a decision that reflects a complex set of economic and institutional considerations. When viewed as […]

Progress Interest-free Banks in Pakistan

Introduction: This chapter high light the concept, principle and future of the Interest-free banking around the world particularly and importantly in Pakistan, which is officially; “The Islamic Republic of Pakistan” (www.pakistan.gov.pk). World is experiencing a large-level of growth in Interest-free banking and finance not only in Muslim countries but also in economically big Non Muslim countries like UK , USA and AUSTRALIA where Muslims are in minorities. The attraction which interest-free banking has, encouraging the world. It’s unique concept of […]

Mortgage Home Buyers

Introduction: Buying a home depends on a person financial capability whereby if one is financially stable one can own a large and well designed house. Many people are now using mortgage system to buy homes. Mortgage is a legal agreement by which a bank or an organization lends money to a person in order to buy a house and then the individual must pay the money back over a given period of time with interest. This paper focuses on the […]

Managing the Development of Small Businesses in Terms of Inflation

Managing the development of small business ventures Nowadays, businesses are growing day by day. But inflation is becoming challenges in front of small and large types of businesses like there are many countries which are facing this problem. There are lots of countries which are increasing the price of their products day by day because of inflation. Inflation: There are negative and positive effects of inflation on small and large type of businesses. Some of businesses want to earn more […]

Liquidity Risk

What is liquidity risk and how managers deal with it? COMMERCIAL AND INVESTMENT BANKING 1. Introduction Technological progress and internationalization has led to rapid innovations in financial markets and regulations. This changing environment in which banks find themselves presents great opportunities but also a wide range of risks while operating. Such risks are interest rate risk, market risk, credit risk, off-balance-sheet risk, technology and operational risk, foreign exchange risk, country or sovereign risk, liquidity risk and insolvency risk. In this […]

Islamic Accounting

Question – 01 What distinguishes Islamic accounting and conventional accounting? Briefly discuss the additional objectives of Islamic accounting. Answer – 01 It could be stated that both Islamic accounting as well as conventional accounting are both in the business of providing information to end customers. The main differences lie in the following factors: Objective of providing information Islamic accounting enables users to ensure that Islamic organizations abide by the principles of the Shari’ah in all of its dealings and enables […]

Islamic Bank in Uae

Introduction With the start of century new development in the economic front happened and the most important was Islamic bank. Financial institution around the world saw new things emerging from Islamic bank such as Islamic socioeconomic, benefits and believes to stop interest rates and unethical activities of financial institution. Islamic bank provide new methods and new form of investment for development of economy. Islamic bank has given world and financial institution new air to breath. Islamic banking has made some […]

Inter-Market Arbitrage

Finance 1 Inter-Market Arbitrage The question posed is to examine whether a trader with $1 million can profit from inter-market arbitrage. The following facts are available: – New York Citibank: $ 1.2223/ London Barclays Bank:$ 1.8457/A£ Frankfurt Deutsche Bank: 1.5100/A£ To resolve the question, the commencement of the process is to begin with calculating the a cross rate, which is arrived at by calculating the ratio of the exchange rate of currency A to the dollar divided by the exchange […]

Disadvantages to NestlA© S.A. for Applying International Trade Financial Risk NestlA© S.A. is a Swiss multinational (MNC) food and beverage company. Due to the fact that using international trade in its business, any major event occur in the financial markets will affects its liquidities or liabilities such as currency fluctuation, interest rate, derivatives, and/or hedging, pension funding obligations/retirement benefits, banking/commercial credit, cost of capital). NestlA© S.A. is exposed to several financial risks such as interest rate risk, foreign exchange risk […]

Interest Essays