Wednesday, December 25, 2019

Lending Ability Of Commercial Financial Institutions

together both the borrowers and the savers in an economy. This is because the banking and non-banking financial institutions accepts deposits or savings from individuals and business and thus creates a pool of funds in the process called credit creation. These funds will be given to borrowers in form of loans at some interest over a give period of time. Rà ¸dseth, A. (2000) stated that the lending ability of commercial financial institutions is controlled by the central bank which is in charge of regulating the amount of money that is circulation in the economy. To increase money circulating in the economy so as to achieve some macroeconomic goals, the central bank may reduce their leading rate (bank rate) and thus encourage the commercial banks to borrow more loans from the central bank and thus expand their lending capacity to the borrowers in the money market. According to Gwartney, J. D. (2009), the concept of loanable funds is defined as the amount of money that is available in the economy in form of savings and can be lent out to borrowers as investment rather than utilize for personal consumption. The loanable funds market is market that brings together both the borrowers and savers and also avail the money available in commercial banks and other leading institutions. The savers work in the loanable funds market by supplying the loanable funds through buying bonds and other securities and giving money to the issues of these securities. On the other hand, the borrowersShow MoreRelatedConsumer Financial Protection Bureau Oversight1512 Words   |  7 PagesSystem should be excluded from Consumer Financial Protection Bureau Oversight are as follows: a) System institutions have not and do not engage in risky behaviors that contributed to the financial crisis of the early 2000s; b) FCA borrower rights regulations that protect the borrower; and, c) System institutions have traditionally generated a limited number of consumer loans. Additionally, a primary factor in the financial crisis was unsustainable mortgage lending. Subprime mortgages increased fromRead MoreCommercial Loans Are Not Your Average Payday Loans1734 Words   |  7 PagesCommercial loans are not your average payday loans. People who seek commercial loans have a business plan in mind; from rental properties like condominiums or duplexes, office expansions or relocations, manufacturing facilities to a local sub or pizza place. Capital is needed and sometimes lots of it! Some Commercial lending institutions include: Small Business Association (SBA) - governmental business lending. Bank of America - touted to be the number one SBA (Small Business Association) lendingRead MoreFactors Hindering Financial Inclusion in Uganda: A Case Study of Kamuli District1618 Words   |  7 PagesFACTORS HINDERING FINANCIAL INCLUSION IN UGANDA: A CASE STUDY OF KAMULI DISTRICT. CHAPTER ONE: INTRODUCTION Background to the Study Uganda’s Vision 2040 highlights access to finance as one of the barriers among others that are affecting the competitiveness of the economy. Most individuals and firms access credit from informal sources. One of the reasons for the limited access to credit is the low level of domestic savings which affects the ability by institutions to offer long term finance. As suchRead MoreWholesale Funding, Bank Runs And Liquidity Freezes1592 Words   |  7 Pages Wholesale Funding, Bank Runs and Liquidity Freezes In the 2007/8 Financial Crisis Name Course Tutor University City/State Date Wholesale Funding, Bank Runs and Liquidity Freezes In the 2007/8 Financial Crisis Introduction Banks make loans which are not quickly sold at high price. The demand deposits by Banks issue allow their depositors to make withdraws at their convenience. Therefore a liquidity mismatch exists between a bank’s liabilities which are more liquid compared to the bank’sRead MoreMonetary and Fiscal Policy Essay1508 Words   |  7 Pageseconomic growth, unemployment and the exchange rates. Different economies in the world experience varying economic difficulties demanding for varying solutions. The economic problems vary with the economical stability of the particular country and the ability to take adequate preventive measures. This has driven the economists to classify the monetary policies into different categories. Here are some of the types of monetary policy: Inflation targeting: This is a type of monetary policy whose primaryRead MoreFinancial Crisis And Its Effects On Financial Institutions871 Words   |  4 PagesThe recent financial crisis has a huge impact on systemic Important Financial Institutions; it’s distressing effect can be felt in almost every business area and process of a bank. A fairly large literature investigates the impact of financial crisis on large, complex and interconnected banks. The great recession did affect banks in different ways, depending on the funding capability of each bank. Kapan and Minoiu (2013) find that banks that were ex ante more dependent on market funding and had lowerRead MoreDiscussion of the Main Reasons that have Resulted in the Bank Disintermediation 1340 Words   |  6 Pagesexpansion of financial sector encourages entrepreneurs to make investments in the real sector by promoting entrepreneurship. If disintermediation removes the majority of banks in a society, all the other areas stated above would be affected and this would affect the society a great deal. †¢ Access to Banking Capital: Lending has been mastered by Banks and disintermediation can limit access to banking capital and ability for Banks to lend thus reducing business available for commercial Banks to supportRead MoreExcessive Growth Of Credit And Asset Prices763 Words   |  4 PagesExcessive growth of credit and asset prices can pose serious risks to an economy which has a high degree of financial integration and openness. There can be various reasons for an excessive credit growth such as excessively loose monetary policy, rapidly growing shadow banking system etc. The following essay will describe some key risks associated with an excessive increase in credit growth and asset price and some policy tools which the central bank should adopt to keep these imbalances in checkRead MoreFinancial System1260 Words   |  6 Pages1. Question 1: â€Å"The role of the financial system in a market economy is to effectively and efficiently move funds from surplus budget units to deficit budget units.† However, in the absence of well-functioning financial intermediaries this transfer of funds may be severely retarded.† Discuss. Within a financial system, surplus and deficit units trade, which facilitates the movement of funds from deficit units to have access to those with the budgeted units. Hence, there is always the incentiveRead MoreU.s. Subprime Mortgage Crisis Essay937 Words   |  4 Pagesto the late-2000s financial crisis, characterized by a rise in subprime mortgage delinquencies and foreclosures, and the resulting decline of securities backed by said mortgages. After U.S. housing sales prices peaked in mid-2006 and began their steep decline, refinancing became more difficult. As adjustable-rate mortgages began to reset at higher interest rates, mortgage delinquencies soared. Securities backed with mortgages, including subprime mortgages, widely held by financial firms, lost most

Tuesday, December 17, 2019

Xacc280 Financial Analysis - 1834 Words

Week 9 Final Assignment: Financial Analysis Korina Mitchell XACC280/Financial Accounting Concepts and Principles July 10, 2010 Tonya Brewer The Coca-Cola company has been in business since its inventor began selling it in drug stores in 1886 (The Coca-Cola Company, 2009). Pepsi-Cola was invented a short time later in 1898, but at the time it was called â€Å"Brad’s drink.† It was later renamed Pepsi-Cola in 1902 (Butler, 2006). Since those early days when the sodas were invented, Coca-Cola and Pepsi have been in competition with each other for the domination of the world’s soda market. Over the course of more than a century, sales have continued to rise for both companies, and they both consistently earn a profit. Both companies†¦show more content†¦This might make both of these companies more attractive to potential creditors and investors. Comparison of Solvency through Total Debt to Total Assets Calculations In addition to knowing the liquidity of the companies, investors may also want to know how solvent each of the companies will be for the long term. The quickest way to measure their solvency is to divide the companies’ total assets by their total liabilities. In the case of PepsiCo, their debt to asset percentage in 2004 was 51.68%, and in 2005 that number increased to 55.08%. Coca-Cola had a similar debt to asset percentage of 50.68% in 2004, and in 2005 their percentage was 55.57%. This means that both companies were competitive in this comparison, although both actually increased their debt percentage slightly. Neither of the two companies had a drastic change, however, so investors may only be mildly concerned with this difference. Additional information about the debt that was incurred might be requested for a potential investor to make an informed decision about which company would provide a be tter investment. Comparison of Retained Earnings through Vertical Analysis One last thing that investors might want to know about PepsiCo and Coca-Cola is what percentage of the income is being retained and reinvested in each company. This information is calculated by determining theShow MoreRelatedFinancial Analysis Xacc280 Final Project1784 Words   |  8 PagesFinancial Analysis/ Final Project XACC/280 Eden Lord Financial Analysis, Final Project Based upon my knowledge learned on financial reporting, I had compared to companies reporting statistics. The two companies in comparison are PepsiCo Incorperated and The Coca-Cola Company in which both have reported annual statistics for 2004 and 2005. During my comparison of net incomes, gross expenses, stock statistics, and assets accumulations, I have suggested some strategies for each business to take intoRead MoreXacc280 Week 9 Financial Analysis1923 Words   |  8 PagesFinancial Analysis Your Name Here XACC 280 Instructor’s Name Introduction: Pepsi Co. and Coca Cola, both are very well known multinational companies. They are so famous that they perhaps don’t need any introduction since almost everyone knows basic info about these companies and their widely used products. Both of these companies have been dealing in the production of flavored waters, plain drinking water and soft drinks for decades nowRead MoreHorizontal and Vertical Analysis1820 Words   |  8 PagesFinancial Analysis XACC280 June 28, 2012 Accounting is the way all companies keep track of their out-going and in-coming finances. Applying accounting principles in any business is incredibly important because it allows for the least amount of mistakes and gives a comprehensive view of all transactions. There are many tools used in accounting, each with it’s own unique function. Statements are used to show a specific time period’s overview of assets, liabilities, and all transactions

Monday, December 9, 2019

Professional Issue

Questions: A. Does this action violate property rights? B. Who is effected by Joes actions? C. Explain how they are effected? D. If you were in Joes position what would you do? E.Conduct research and explain how we could ascertain information on a website is authentic. Answers: A.No Joe does not violate any intellectual property rights because IP rights give three types of protection in Australia for computer programs that is copyright, patent and circuit layout [1]. Copyright copyright give protection for the code of the computer program, and protect the code from being copied. Patent- patent gives protect to that way through which the program makes computer work. Circuit layout rights- this gives protection to the design and layouts of the electronic circuit. In the present case Joe does not copy any code, way or design. Therefore he does not violate any IP rights [2]. B.Other students and his instructor are affected by the actions of Joe. Joe changes the time limit of his assignment and increases that limit which is not an ethical conduct. Conduct of Joe is not only unethical but its also against the rules. C.Students are affected because it is unfair with them that Joe gets extra time to complete its assignment, and it also affect the grades of Joe because due to more time limit Joe is able to complete his project in better way which is considered as cheating. In case of instructor Joe illegally operate the master account and increase the time limits of his project which results in breaking of rules. D.in case, if I am in Joe position I will never increase the time limit of the project, and try to complete my project within given time frame. What Joe did is not an ethical conduct. E.following are the ways through which we can ascertain whether information present on website is accurate or not: Accuracy- to determine the relevancy of information on website it is important to find who is operating the website. Such as websites operated by government agencies, universities, professional association, publisher, etc contains authentic information. Authority- for determining the authority of the website, it is important to check the information mention on the page about the author and any information related to other person who also contributes on the site. An authentic website always contains information related to contact of author. Objectivity- to determine the accuracy of website it is important to check whether the information is contributed by the same person or organization, and then check there is any reference for the content of information. Currency- it is important to check when the page was updated at last time, and also check whether website has any broken links. These things are the indications of an abandoned page. It is also important to check the number of new links appear on the website [3]. Coverage- to check whether website has covered complete information and compares the information on the other website also. Also compare the information mention on the website with books, journals, report etc. References- we can check the references present on the website for the information they provided [4]. Therefore after following the above steps we can check the accuracy of any website, and also information available on the internet sources. References: IP Australia. Patents for computer-related inventions. Available FTP: https://www.ipaustralia.gov.au/patents/understanding-patents/types-patents/what-can-be-patented/patents-computer-related. IP Australia. Types of IP. Available FTP: https://www.ipaustralia.gov.au/understanding-ip/getting-started-with-ip/types-of-ip. United Nations Framework Convention on Climate Change. Library and Documentation Centre. Available FTP: https://unfccc.int/essential_background/library/items/1420.php. Milstin Undergraduate Liabrary. Evaluating Online Sources. Available FTP: https://library.columbia.edu/locations/undergraduate/evaluating_web.html.

Monday, December 2, 2019

The Arts Journal Critical Perspectives on Contemporary Essay Example For Students

The Arts Journal Critical Perspectives on Contemporary Essay While the text re-examines the British Slave Trade and the manner in which its victims have been portrayed in literature, the articles reviewed focus on the home of the changing images of African people. According to the Arts Forum, a review by Professor Selwyn H. H. Carination stated that these three articles including another represent images of how blacks save themselves at different times during slavery and the post-emancipation period focusing in particular on the effect Of texts, paintings, and films. The Art Journal presented these articles in honor of the Bicentenary of the Abolition of the trans-Atlantic Trade in captive Africans in order to provide a fresh Caribbean perspective on the events encompassing this dark spot in our history. Though each of the three articles reviewed approached it from a different slant each did so convincingly. Additionally, these articles give an in-depth analysis of aspects which may not be considered by the average person. We will write a custom essay on The Arts Journal Critical Perspectives on Contemporary specifically for you for only $16.38 $13.9/page Order now In the first article entitled Visual Expressions of Slavery and Emancipation 1700-1834, Edith (Nancy) Jacobs posits that in the event of depicting art out of its relevant period, some historians reduce the value of it and that even now when society is supposed to be enlightened the artistic images of are not incorporated effectively to represent Caribbean history, She examines the importance of the placement of a variety tot printing techniques used to bombard the general with images of what they (Pro-slavery and abolitionists) wanted to portray. Jacobs concentrates on three major points in the depiction of slaves textually and visually. Firstly, she looks at those paintings commissioned by European patrons that generally portrayed the Blacks as subservient helpless people, who were more like household pets. Secondly, she examines those images distributed by the abolitionists that showed the Blacks in varying states of deprivation: food, clothing and being sold at auctions. Finally, she observes the evolution of the paintings now depicting the Black man as an educated man often shown reading the bible. However, she notes that none Of these truly portray the Black man and the rebellions that occur from 1791 prove this as it contradicted the initial perspective Of the Blacks as docile and helpless. Jacobs presents her argument systematically, tracing the changing perception of the Black man over the period 1700 to 1834. In particular, she addresses the relationship between the pictures depicted and the techniques of the printing devices of the time; an aspect that he average reader may not consider. Her attention to details such as the right side off photo being the weaker visual position upon which the Black man was inevitably placed in the later seventeenth and early eighteenth century in comparison to the opposite occurring in the late eighteenth century demonstrates her point that the media was used to influence the public. The second article by Jean Antoine-Dunne and Bruce Padding entitled Film Representations of the Abolitionist Movement, examines the responses of Caribbean filmmakers to the abolition Of the slave trade and the insurgences associated with it (p. 2). Their argument posits that the film industry is one of the most powerful methods Of communicating ideas and that it influences peoples perception of one another and their cultures. They look at abolition from a Caribbean perspective based on five important, yet not well-known films from the British, French and Spanish territories of the Caribbean. One of the central ideas permeating through the films is the idea of visually shocking the audience out off false historic narrative. They posit that the five films give a more accurate representation of slavery and the circumstances that surround its abolition in the Caribbean. .uf718ae88c2168bb75b1b050a9305913c , .uf718ae88c2168bb75b1b050a9305913c .postImageUrl , .uf718ae88c2168bb75b1b050a9305913c .centered-text-area { min-height: 80px; position: relative; } .uf718ae88c2168bb75b1b050a9305913c , .uf718ae88c2168bb75b1b050a9305913c:hover , .uf718ae88c2168bb75b1b050a9305913c:visited , .uf718ae88c2168bb75b1b050a9305913c:active { border:0!important; } .uf718ae88c2168bb75b1b050a9305913c .clearfix:after { content: ""; display: table; clear: both; } .uf718ae88c2168bb75b1b050a9305913c { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .uf718ae88c2168bb75b1b050a9305913c:active , .uf718ae88c2168bb75b1b050a9305913c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .uf718ae88c2168bb75b1b050a9305913c .centered-text-area { width: 100%; position: relative ; } .uf718ae88c2168bb75b1b050a9305913c .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .uf718ae88c2168bb75b1b050a9305913c .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .uf718ae88c2168bb75b1b050a9305913c .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .uf718ae88c2168bb75b1b050a9305913c:hover .ctaButton { background-color: #34495E!important; } .uf718ae88c2168bb75b1b050a9305913c .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .uf718ae88c2168bb75b1b050a9305913c .uf718ae88c2168bb75b1b050a9305913c-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .uf718ae88c2168bb75b1b050a9305913c:after { content: ""; display: block; clear: both; } READ: Personal Goals EssayThey give enough details of the films to indicate to the reader their similarities and their differences. A general idea which permeates through them is the fact the very manner in which abolition is viewed may be colonial. This leads to the question raised at the beginning fifths course: is history the truth? Or is the truth different for each party, or even each individual involved? Ken Chicory5 Blackened Figures is the final article reviewed, Here he discusses the work of Trinitarian painter Carlisle Harris in the t,eventide century. Harris sees the human body in an abstract form to represent the self as an ever changing, ever improving figure. He makes full use of the African dancing male as a symbol of the triumphant return to humanity in a land abused by colonialism. His experience with the American Civil Rights movement leads to him being a symbol in representing the powerful forces Of African history and culture in the Caribbean (101). He reiterates an idea stated by Jacobs found in the technique of Harris paintings Which he uses to show to the opposite is true; blackness is associated with the corrupt and even evil . Harris paintings are also filled with motion especially dancing that truly represents the rhythm of Caribbean people. Dance is a part of everyones routine; whether one takes it as dancing to ones own tune or anothers. Considering that I am not a student of history per SE. I would say that this journal was very informative. It was not written in a such a way as to make its reading tedious and thus held my interest. Have been introduced to concepts that certainly bear contemplation, as it was not considered before. However, would have liked to have read more about womens contribution to the comment.