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Financial Essay Topics & Paper Examples

Western Financial Review

In 21st Century, women have learnt to be at par with men in various sectors of work. Viz. , pilots, engineers, scientists, CEOs and COOs in corporate sector. Banking sector is no exception for women to play a vital role in holding huge responsibilities. Gender difference is longer a taboo whereas a mixed and friendly environment began to sustain in corporate culture. All that matters here, how professionally a woman employee performs in working environment which is both rewarding and prospective for a career. For the year 2007, ‘Western Financial Review’ awarded “Outstanding Women Banking” viz. , Jackie Johnson, Executive Vice president of Community State Bank in Edgewood, Iowa, Anne Hofstede, Senior Vice President at United Banker’s Bank in Bloomington,…

Fair Value Accounting

This paper attempts to answer the questions: Is Fair Value Fair? In so answering the question there is a need to determine whether the use of fair value accurately portray the value underlying financial and economic transactions; to determine whether there is basis to have one universal standard of valuing the assets and obligations of all firms; to find out whether accounting standards would allow for both historical and fair value and still produce meaningful information for decision making; and establish one is more important between relevancy and reliability and whether one’s the importance each depend upon the financial user. 2. Analysis and Discussion 2. 1 What is meant by being fair? To be fair means giving what is due…

Financial Issues for Financing SMEs in Pakistan

The small and medium sector enterprises are considered an impetus to economic growth in any country since these enterprises are mostly labour intensive and they tend to boost the employment more than any other sector. The government of Pakistan has identified the SME sector as one of the leading sectors along with agriculture and construction that can generate employment and contribute to overall economic growth. This sector in Pakistan contributes over 30 percent of the gross domestic product, 25 percent in export earnings, and 35 percent in manufacturing value addition. As per industry reports there are approximately 3. 2 million economic establishments across the country of which the SME sector contributes to 90 percent of all private enterprises employing almost…

Financial analysis

The analytical audit of the company’s capital structures of the two companies shows that shows Arizon is highly geared as compared to AT & T. Gearing AT& T is 43. 3% for long term debt and 51. 76% for total equity which is not very high. In case of Arizon, the ratio is very high at 59% for long-term debt to equity while total debt to equity is 74. 91%. The Verizon case indicates that the firm does not have sufficient and steady internal financial resources to finance its assets. These get depleted compelling management to use external financial instruments. This usage of external sources to finance its assets increase chances of the company suffering financial risk that may lead…

A financial quagmire

The whole world is in a financial quagmire. A myriad of financial woes have engulfed financial institutions and any other corporations in this domain all the world round. This financial meltdown came to the light following the collapse of Lehmann Brothers, after which this financial crunch came to be addressed in the open and by all the governments. The United States of America was at the core of this crunch. This was further aggravated by the fact the Bush administration was finalizing on its clench to power. A presidential election was looming and the major rivals; Barack Obama and John McCain were faced with the uphill task of unveiling their plans regarding keeping the crisis at bay and mitigating the…

Financial statement

Accounting mainly involves analyzing, interpretation and reporting of business transaction records. Accounting provides information for decision making to the management. The purpose of accounting is to maintain proper control of finances of an organization. In other words, accounting is an information system whose purpose is to provide essential information about business financial activities. It is primarily involves design of record keeping system, summarized reports based on the recorded data and eventually interpretation of the reports. (Duane and Charles 1991; Martin & Fernando 2002). Four basic financial statements are: Balance sheet: This records assets and liabilities as well as owner’s equity of a business entity. Assets include current assets such as cash, debtors, securities, and prepayments. Long term assets include land,…

The Creation of a Common Market for Financial Services in the European Union

Of all the global achievements in the last 50 years, economic integration in Europe may be considered as the most notable of all. From a continent separated by war and differences in culture, Europe has proceeded to become an economic and political leader today. The formation of the European Union (EU), the accession of the 15 European countries to the Community, and the introduction of a single currency which were all deemed too difficult have all become realities, proving skeptics that there is hope for a united Europe. From the beginning, the idea behind united Europe centered on economic prosperity. While conflicts in European countries were political in nature, it was almost always related to resource allocation. The signing of…

Comments On The Financial Performance Of Rap Ltd

Efficient management strategy reflects in the gross profit sales which increased in the year 2008 with 23% as compared with the year 2009. In the year 2009, RAP Ltd. hasn’t focuses on reduces the cost of goods sold which gives a slightly negative reflection on the gross profit. Slight decrease in the year 2009 gross profit because of economic recession in the economy reflects on the gross profit of RAP Ltd. Moreover, RAP Ltd. high ratio of COGS in the shape of FOH, Purchases etc and also due to internal restructuring. On the whole the gross profit margin is fair enough and one should hope that the percentage of gross profit margin will increase in years to come Meigs (1999)….

Financial Engineering

University of Stratchclyde is amongst one of the top ranking universities in the United Kingdom. The university is located right at the heart of Glasgow, Scotland’s biggest and most cosmopolitan city. The University of Stratchclyde was founded in 1796 when John Anderson, Professor of Natural philosophy at Glasgow University left instructions in his will to establish a university which should be a place for useful learning for everyone. His vision was realized when Anderson’s university opened later in the same year he died. The university developed rapidly since its inception and by the 1890s, had become a major technological institution with a wide reputation for research and learning. This rapid expansion meant that there was a need of raising more…

Globalization in the 1970s

Globalization is not a new concept as there have been numerous cycles of globalization stretching as far back as the ancient civilizations. The wave of globalization prior to the oil embargo was after the Second World War. Although this period was marked with rapid economic growth, it came to an end in 1973 after the Arab oil embargo that resulted in a rise in oil prices. Financial globalization particularly can be termed as the integration of country’s local financial system with international financial institutions and markets. The main agents of financial globalization are the governments and hence they need to liberalize any restrictions on their domestic financial sector and capital account of the balance of payments if any form of…

Financial loss

This article is about crime and poverty and it also looks at the crimes that happen to the super rich and why a super rich person would risk everything for more money. There is no clear definition of what crime is but crime can be looked at in many different ways. In his book, what is a crime; Henry states that it has got multiple dimensions since there are the crimes that happen in the society and also those that happen nationally. Crime is harmful acts in the society which cause pain to their victims. (150) Poverty is a state of not being able to provide oneself with basic needs due to lack of money and resources. (Henry 150) It…

Dynamis Fund case study

Compared to individual portfolios, such funds woo investors by offering several advantages namely: professional asset/money management, liquidity and more diversification than most individuals can create or afford in a personal portfolio. The brokerage’s motivation in recommending energy investments can be explained by the high commission that could be earned. Hedge funds charge a fee for assets under management and incentive fees based on a certain percentage of the profits earned. With good stock picking, the brokerage would be able to earn profits in both up and down markets. A regional broker would want to offer hedge funds because they are only lightly regulated and thus the fund managers can use more advanced investment strategies such as a leveraged and derivatives…

Chalice Wines Case

The Chalice Wine Group (CWG) is a wine producer has a prestigious reputation for producing consistently elegant wines. The CWG owns two vineyards (Chalice and Cimarron) and half of a third (Delta), and also owns three wineries (Chalice, Cimarron, and Alicia) and half of a fourth (Opera Valley). Chalice winery is the flagship of the four wineries, and founded in 1969. In June 1993, Chalice was the only publicly-held company in the United States whose principal business is the production and sale of premium wines. The four California wineries are located in different place. Each of them has their own president, typically the winemaker, and separate profit center separately. The Chalice Wine Group has long story with a prestigious reputation…

GASB and FASB Accounting Paper

In this paper I will describe the different between GASB and FASB and their objectives of the two standards. I will also provide how to modified accrual basis of accounting in which they differs from full accrual accounting. The GASB sets generally accepted accounting standards for the government except the federal government and non-profit organizations while the FASB is for private and public organizations. The objective of GASB is to create and set accounting standards that would ensure that financial statements would be accurate for creditors, investors and to the public. The GASB really do not have the power to enforce compliance with the standards but the authorities for its standard are recognized under the code of professional conduct of…

Critical Analysis of Efficiency Market Hypothesis

In this essay, firstly, the Efficient Market Hypothesis (EMH) is given an appraisal in relation to random walk, as well as its definition, revealing theories in context of empirical evidence. A brief explanation of the 3 forms of EMH is highlighted alongside a brief description of its tests for validity. The main focus of discussion is whether or not Technical & Fundamental Analysis can determine abnormal returns by investors strategically using a set of information to formulate buying and selling decisions to beat the efficient market. (Graphs and sets of equations may be applied). Following general empirical studies, the theory of Efficient Market typically asserts that, it would be impossible to consistently outperform the market by means of technical &…

Introduction of Apollo food holdings berhad

The Apollo Food Industry Company which is manufacturing compound chocolate confectionery products and layer cakes based in Malaysia. Apollo’s product mainly divided into two main categories. They are Chocolate Wafer products and Layer cake, Chocolate Layer Cake and Swiss roll products. Apollo Company is the leading company in Malaysia which produce layer cakes and chocolate confectionery products. These cakes are exported very highly to Singapore, Indonesia, Thailand, Philippines, Vietnam, China, Hong Kong, Taiwan, Japan, India, Middle East, Mauritius, and Maldives. The company aim is to always fulfill the customer needs and requirement by using the latest equipments and technology. Introduction of oriental food industry berhad Oriental Food Industries Sdn Bhd was established in 1978. Today the company is in the…

Comparitive study of mutual funds

Investing in mutual funds provides a total solution for the investing needs. With a well-designed portfolio of mutual funds, the investor can have his own pool of professionally managed investments, even with a small initial investment. Mutual fund is a kind of trust that manages the pool of money collected from various investors and it is managed by a team of professional fund managers (usually called an Asset Management Company) for a small fee. An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by money managers, who invest the fund’s capital and…

I declare that I have wholly undertaken the study reported herein under supervision

The Lord has been faithful in granting me the strength, wisdom, knowledge and the courage needed throughout the period of study. My sincerest appreciation goes to my supervisor, MR. MICHAEL NKONYAA for his guidance and constructive criticism through the preparation of the work. He is largely responsible for the success of this work and I am very much grateful. To my husband Solomon Kweku, to my colleagues in MBA Finance 2012/2013 in whose company I stayed and formed my thoughts I say God richly bless you for the fellowship and love we shared. To the Staff and Management of Growth Capital Microfinance, wish to express my sincere gratitude to you for your support and co-operation. Finally, I wish to thank…

The role of risk management

Abstract: This essay is mainly about the role of risk management in addressing any potential risk to the organisation that may cause a lot of losses. Management’s mission is to predict the risk before disaster strikes, which require to study all the information and the details provided by the risk management team. In addition, what are the mistakes that had been committed in some of the examples mentioned in this essay? and did they learn from their mistakes?. Finally, development of communication must be promoted between risk management sector and top management and activating the role of participation in making the right decision. Word Count: 1500 words Risk management is basically a planning tool to manage risks, by evaluating and…

Whole Foods Ratio

Kroger and Whole Foods are the two giants in the grocery industry; however, their capital structure and financial measures paint vastly different pictures. The liquidity ratios, which measure short term solvency of the company, were calculated for both companies. The current ratio for Kroger was calculated to be .76 compared to a current ratio for Whole Foods of 1.60. At a glance, Whole Foods is more able to pay their short term debt obligations compared to Kroger. In the same vein, Whole Foods has a much higher quick ratio at 1.20 compared to .25 for Kroger. The capital structure of the two companies is the main reason for the distinct differences in the liquidity ratios. Kroger has financed the company’s…

Global Economic Crisis: Implications and Challenges to the Philippines

This is a forum where we can wonder, what is really happening in our country? Mr. W.D. Hilton our keynote speaker discussed the possible effects of the Global Economic Crisis in the Philippines. In this paper, I will write some of the highlights when we talked about Global Economic Crisis. The primary target of the said crisis is the people. There are so many people suffering in crisis and covered by clouds of hopelessness. Is there any hope, waiting for us to a brighter prospect of life? There are so many problems that we are experiencing right now. For our country Philippines, the Global Economic Crisis really put our country at stake. There is a big probability that there are…

Earnings before interest and taxes

IJM Land Berhad (187405-T) is the result following a rationalization exercise involving the merger of two highly reputable players in the Malaysian property scene, namely IJM Properties and RB Land and changed its name in June 2008. IJM Land Berhad brings the combined skills of RB Land’s distinct proficiency in township developm ts and IJM’s expertise in high-rise condominiums, niche developments and commercial buildings. Currently, it is the property development arm of IJM Corporation Berhad, one of the largest construction and infrastructure groups in Malaysia. Listed on the main board of the Bursa Malaysia Berhad, IJM Land Berhad is one of the largest property developers in Malaysia with sprawling townships, boutique developments, strategically located commercial buildings, high-rise and exclusive condominiums…

The order of the legal system helps

Legal stability helps ensure that citizens and businesses can manage their affairs efficiently (Lindquist & Cross, 2010). The order of the legal system helps to guarantee that all cases will be heard equally. Legislatures create laws that protect citizens and business, and when these laws are broken, the court system is used to reprimand the offenders. The court system is organized into two court structures, the federal system and state system (Kubasek, Brennan, & Browne 2009). There is a specific order to the organization to the court system and court proceedings, and this order promotes the stability of the legal system. Every player in the court system knows what to expect regarding their trial, and this predictability is important to…