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Effective Return on Tax Saving Mutual Fund Schemes Finance Essay

Savings are the tool used by a person or an organization that abstains from present consumption for a future use. Investment is an activity that engaged by people who have savings with the aim of achieving additional income or growth in values. It may be defined as ” a commitment of funds made in the expectation of some positive rate of return”. Investors may have different aim for investing their money such as capital appreciation, regular return, safety, proud of […]

Enabling Environment of Banking Essay Online for Free

The purpose of this research was to assess the banking sector in Rwanda and its enabling environment to attract other banks within East African community. The research was carried out in Kenya Commercial Bank and Equity bank with the following research objectives; examining the nature of Rwandan banking industry, identifying the environmental factors in Rwanda that are conducive for banking sector and assessing the strategies that Rwanda banking industry has used to attract other banks within East African community. The […]

Concept of Consumption and Saving

THE CONCEPT OF CONSUMPTION AND SAVING. Consumption and savings are opposite by nature. The term consumption denotes expenditure and by savings we understand the act of preserving money for the future needs. Most of us are in the habit of meeting the present needs from our income. After that, if there remains anything, then only savings can be done. But in the long run, it is the savings that matters most. CONCEPT OF SAVING The concept of saving is important in […]

One of the Greatest Challenges Finance Essay

One of the greatest challenges in this study was the availability of data for the SADC member countries. To efficiently model the effect that the stock market has on a country’s growth one would ideally need to have both a long time-series as well as sufficient cross- sections of data. However, the SADC region presents difficulties in that many of the region’s exchanges were only recently established, and offer very little time-series data (Allen and Ndikumana, 2000:140). In what follows, […]

Reviewing the Importance of Financial Literacy Finance Essay

Financial literacy is the ability to understand finance. More specifically, it refers to the set of skills and knowledge that allow an individual to make informed and effective decisions through their understanding of finances.[1] By contrast, raising interest in personal finance is now a focus of state-run programs in countries including Australia, Japan, the United Statesand theA UK.[2] Personal finance is to financial literacy what being able to read one’s own handwriting is to literacy. The Organization for Economic Co-operation […]

The Defination of the Fiance Market Finance Essay

Introduction Accounting ratio (finance ratio) is related to two numeric values which is taken from financial statement. This ratio is mainly use for accounting; it can be use in many ratios. With this, we can evaluate overall financial conditions. Accounting ratio is used by managers, current and potential shareholders and creditors. The strength and weakness of a company can be comparing by using accounting ratio through security analysts. If a company are transact in financial market, the market price of […]

Ways and Means of Deposit Mobilization Finance Essay

In wake of the financial meltdown that started in 2008, financial institutions were the worst beneficiaries of the global crises. Pakistan also was not spared and economically suffered a supply shock in the form of all time high oil prices which took the inflation to its all-time height to 22%. To manage these shocks Pakistan immediately hurried to IMF for bailout package for more than 10 billion dollars while SBP played its role by increasing the discount rate and other […]

Literature Review on the Framework of Investment Finance Essay

Graham and Qadd (1934) states that an investment operation is one which is based upon thorough analysis that guarantees safety of amount invested and gives an adequate return. Operations that do not meet these conditions are speculative. Gordon and Sharpe (2002) differentiate between investment and saving. Investment is restricted to “real” investment as that type that increases national output in the future, while saving is consumption forgone. For Reilly and Brown (2002), investment is the current commitment of money for […]

The Profile your Attitude to Investment Risk Finance Essay

Are you willing to take any risk with the capital you are investing? If yes, how much risk are you prepared to take? How would you feel, if your investment(s) lost 0-10%, 21-30% or even more in the short, medium of long term? How long do you wish to invest for? Are you going to need to access your investment within a year, or do you have a longer time frame mind – i.e. 5 – 10 years or even […]

Investment Culture in Mauritius and Around the Globe Finance Essay

This study seeks to understand the Concept of investment culture around the globe and the attitude of Mauritians to investment. It aims to gain knowledge about key factors that influence investment behavior and thus trying to bring an insight and educate the population on the factors that need to be considered when selecting an investment portfolio. The focus will be based mostly on the Study of the Mauritian Population as a whole consisting of at minimum one income-earning member. It […]

Need for Investment and Various Alternatives for Investment Finance Essay

Investment Management is a broad term that encompasses employing, monitoring and evaluating the performance of assets held in various financial instruments. It deals with financial instruments and the major entities involved include financial institutions, insurance firms, banks, individuals, etc. The markets these days being highly volatile, investment management is of prime importance generating returns on assets by combating the risk involved due to surrounding factors. The paper basically focuses on the need for investment, various alternatives for investment, timing of […]

The Nature and Role of the Financial System Finance Essay

Financial system is a mechanism where economic exchange activities can be done. The economic activities can be done through the interaction between financial institutions and the financial market. The purposes of this interaction are to mobilize fund and providing payment facilities for the financing of commercial activities. With the emergence of Islamic finance, the dual financial systems being introduce. In dual financial system the conventional financial systems operating side by side with the Islamic financial systems. The Islamic Financial system […]

The Role of Financial Markets and Financial Institutions Finance Essay

What is financial market? In the economics, the financial market is a mechanism that allows the people to sell and buy the financial commodities, securities and other fungible items of value at a low transaction costs and at prices that reflect the efficient-market hypothesis. The financial markets can be divided into different subtypes, there are capital markets, stock markets, bond markets, commodity markets, money markets, derivatives markets, future markets, insurance markets and foreign exchange markets. Next, the capital markets consist […]

Role of Land Reforms in Indian Economics

Introduction The reforms of land as a natural resource in a country pictures out that every country has to work for the economic development of them through proper use of the resources. Land is a national resource for every country and they are responsible to secure the livelihood and economic welfare of its population. On the other hand it is also important to facilitate services for the people in a manner so that they live with the interest and should […]

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 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, […]

Gamuda Berhad and Wct Berhad Example for Free

Accounting Ratios are the ratios show the relationship between accounting data in a balance sheet, profit and loss account in a particular organization. The accounting ratios are used to measure the performance in an organization. There are five different categories for calculating five different aspects of the business performance, it is profitability of company, liquidity of company, asset management of company, debts management and capital gearing of company, and market value of investment to ordinary shareholders/common stockholders. First, profitability of […]

Abu Dhabi Securities Exchange Market Example for Free

Abu Dhabi Securities Market was established in 2000, the market has a legal personality and financial autonomy, and administrative and supervisor,y and executive powers necessary for the exercise of its functions. “Market aims to provide an opportunity to invest savings and funds in securities in the interest of the national economy and ensure the safety and accuracy of transactions and ensures the interaction of the forces of supply and demand to determine prices and to protect investors and strengthen the […]

ARE FINACNIAL MARKETS of VALUE to DEVELOPING COUNTRIES?

Operating financial markets in developing countries during the 1990s is a momentous phenomenon. The dramatic increase in the influence of neo-liberal thinking has recently led to reform of the financial market in dozens of develop countries. Many of the financial market reforms that have received so much attention by policy makers, economist and investor don’t touch the very poor. To make the poor a part of the process of economies development, institutions that are specifically designed to make small loans […]

The Significance of the Rate of Interest in the Determination of Firms’ Investment Decisions

Discuss the relevant significance of the rate of interest in the determination of firms’ investment decisions What are the policy implications of this for a government, which wishes to promote economic growth? Alternative Theories of Business Investment Behaviour 4 Keynes on Animal Spirits 8 The concepts entailing the investment decisions made by firms, and the significance of interest rates in the preceding represents a broad as well as complex series of issues, factors, agents, inputs, policies, and other factors that […]

Rural Financial Intermediation of Ghana

CHAPTER ONE INTRODUCTION 1.1 Background of the study The rural sector comprises nearly 80% of Ghana’s population of 18.5 million, with rural economic activities providing employment and incomes for an estimated 60% of rural dwellers (World Bank, 2001). At the same time, nearly 30 percent of rural inhabitants live below the poverty line. However, financial services remain significantly limited at present, mainly provided by informal groups and rural banks. After relatively successful macroeconomic and financial sector reforms, the absence of […]

Pension Retirement Mauritius

The National Pension Fund and its financial implications on the economy of Mauritius Chapter 1: Introduction The philosophy of the National Pension Fund (NPF) includes the idea that one ought to earn a reasonable proportion after pension age of what one earned during one’s working life. If you have contributed to the NPF and built up your pension points, you will get a pension which, when added to your old-age pension will be a reasonable. The National Pension Fund scheme […]

Saving Essays