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Loan - Free Essay Examples and Topic Ideas

A loan is a financial agreement between a lender and a borrower, where the borrower receives a sum of money that they are required to repay over a predetermined period of time, typically with interest. Loans can be secured, meaning they require collateral such as a home or car, or unsecured, meaning they do not require collateral. Loans can be used for a variety of purposes, including purchasing a home, financing a business, or consolidating debt. The terms and conditions of a loan, including the interest rate, repayment schedule, and fees, can vary depending on the lender, borrower’s creditworthiness, and type of loan.

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  1. 1
    Payday Loans: a Needed Product Or a Scam?
    Words • 727
    Pages • 3

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    A payday loan is a short-term loan worth $500 or less, and that is due on your next payday. The case “payday loans” is about how Ethan Dorsett, a retired and disabled marine, struggled for 5 years trying to pay back a $2,500 payday loan. The loan escalated and Ethan had to pay $50,000 in interest due. This all happened when Ethan’s wife, Emily, slipped on ice and broke her ankle, she needed surgery. The medical bills were $26,000 and…
    LoanMoney
  2. 2
    Considering the Cancellation of Student Loan Debt
    Words • 1362
    Pages • 5

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    Today, 44 million Americans, or one-eighth of the total population that is older than 18, have student loan debt2. On aggregate, student loan debt accounts for 1.5 trillion of the national debt; however, this figure does not include private student loans which are not reported to the United States government, per the MeasureOne Private Student Loan Report . The U.S. Census Bureau (2018) estimates that one-third of all adults between the ages of 25 and 34 have some sort of…
    LoanStudent Loan Debt
  3. 3
    Core Business Services Offered By Banks
    Words • 1197
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    Core (Centralized Online Real time Exchange) banking system is a back end system that processes daily banking transactions and posts updates to accounts and other financial records. Core banking system typically includes deposits, loan and credit processing capabilities with interfaces to general ledger systems and reporting tools. Banks offer a number of core banking services that improve operations addressing the demands of customers and eradicate the errors arising due to multiple entries. As core banking technology use centralized databases, the…
    BankLoan
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  4. 4
    The Impact of Housing Market Slowdown and Potential Effects of Clampdowns on GDP
    Words • 521
    Pages • 2

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    With the slowdown in the housing industry, the GDP will substantially be affected as well. What could further aggravate the situation is the clampdown of the sub prime lending because of a surge in foreclosures on high risk mortgages. To quote Saskia Scholtes of the Financial Times: “Delinquencies and foreclosures among high-risk borrowers increased at a dramatic rate…. foreclosure rates were already 6. 09 per cent by December, while 5. 52 per cent of borrowers were late on their payments…
    BankingFinanceLoanMoneyTime
  5. 5
    Consumer Confidence
    Words • 541
    Pages • 2

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    The rapid reduction of consumer spending on durables (such as houses, cars, etc) has caused production to fall. Orders for durable goods decreased by 4. 5% from August to September of 2008 to a seasonally adjusted $208. 50 billion, according to the Commerce Department. New-home sales dived 11. 5% to 460,000, the lowest mark in 17 years, Commerce said in a separate report. The Labor Department said new claims for jobless benefits jumped by 32,000 on a seasonally adjusted basis…
    BankingConfidenceLoan
  6. 6
    Instant Cash Advance: Immediate Funds to Tackle Impending Needs
    Words • 394
    Pages • 2

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    Paper Type:400 Word Essay Examples
    Having realized that your financial resources are not quite adequate enough to tackle your short term needs, you will have to look for other alternatives, so as to generate the funds. Getting the funds is not much of a problem, since there are lots of options available. But you must be particular about the loan option that you would want to acquire, which of course must be based on your prevailing circumstances. In this context, the provision of can be…
    BankingFinanceLoanMoney
  7. 7
    Instant Approval Payday Loans- Best Alternative to Raise Funds
    Words • 397
    Pages • 2

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    Paper Type:400 Word Essay Examples
    Is your bank balance zero? Need some immediate cash in hand to deal with emergency situation? Then opt for instant approval payday loans. These loans offer you instant monetary help for meeting your urgent requirements. This financial scheme is swift, convenient and simple to avail finance at the time of financial crises. Characteristics Instant approval payday loans are the best solution for getting financial instantly and without much formalities. One can get finance ranging from ?100 to ?1500 for the…
    BankingLoan
  8. 8
    Business Funding: Alternative Sources and Strategies
    Words • 827
    Pages • 4

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    Paper Type:800 Word Essay Examples
    Funding fuels the business industry and allows for its stability and continuous growth. In the current market economy setting with a global market perspective, small-scale businesses encounter difficulties in terms of survival and competition with transnational companies due to the lack of resource capital. With this in mind, this paper seeks to identify alternative sources for funding and other strategies that a small business enterprise [a used bookstore] may use to be able to keep its head afloat the unsteady…
    BankBusinessEntrepreneurshipFinanceLoan
  9. 9
    Agriculture and Economy of a Country
    Words • 2037
    Pages • 8

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    Paper Type:2000 Word Essay Examples
    In South Africa, agricultural co-operatives have been established to improve the livelihoods of the rural community. At the same time, the government has invested in the steel industry, aiming to create jobs and thereby raise standards of living. In Brazil, small co-operatives have also been established. A contrasting approach to agricultural development is export orientated agriculture in Puerto Rico. In Vietnam, a bottom up approach to developing rural areas is a credit and savings program dedicated at the poorest people.…
    CountryI Love My CountryLoanPuerto Rico
  10. 10
    Banker to the Poor
    Words • 1763
    Pages • 7

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    Paper Type:1800 Word Essay Examples
    In Banker to the Poor, author Muhammad Yunus recalls his early experiences fighting poverty in Bangladesh. He established a micro-credit system through the Grameen Bank, a bank which he began as a mechanism to provide small-scale loans to the villagers by requiring no collateral in terms of private property. Although the interest rate of loans is pegged at 20 percent, Yunus reveals that approximately 98% of those who requested for loans were able to pay their dues. A more interesting…
    BankLoanPoverty
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  11. 11
    Assessing Opportunities and Challenges for Eastwind Trading Company
    Words • 644
    Pages • 3

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    Paper Type:700 Word Essay Examples
    Introduction Eastwind Trading Company stands at a critical juncture, poised to capitalize on the unique product it offers: the Swanson pearls, the last remaining collection of handmade freshwater pearl buttons in the world. This essay delves into the potential opportunities and challenges that accompany this distinctive product line. As we examine the company's current position and future prospects, it becomes evident that while the Swanson pearls offer a competitive advantage, they also present significant hurdles that must be overcome for…
    BankCompanyCompetitive AdvantageLoan
  12. 12
    Roles of Financial Markets and Institutions
    Words • 1606
    Pages • 6

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    Paper Type:1500 Word Essay Examples
    This continuing exercise focuses on the interactions of a single manufacturing firm (Carson Company) in the financial markets. It illustrates how financial markets and institutions are integrated and facilitate the flow of funds in the business and financial environment. At the end of every chapter, this exercise provides a list of questions about Carson Company that require the application of concepts learned within the chapter, as related to the flow of funds. Carson Company is a large manufacturing firm in…
    BankFinanceFinancial MarketsLoan
  13. 13
    New Century’s Strategic Objectives
    Words • 3601
    Pages • 14

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    Paper Type:3500 Word Essay Examples
    1. What appeared to be New Century’s strategic objectives? Describe and evaluate the business model the company had adopted to achieve these objectives. New Century Financial Corporation was founded in 1995 went public in 1996 and was also listed on NASDAQ. New Century’s primary goal was to originate and sell subprime mortgages. The main activities of the company included generating, retaining, selling, and servicing home mortgage loans for subprime borrowers who couldn’t get finance from other sources. By 2006 New…
    BusinessFinanceInvestmentLoanNon Performing Assets
  14. 14
    Importance of Monetary Policy in Pakistan
    Words • 2673
    Pages • 10

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    Paper Type:2500 Word Essay Examples
    Abstract: Price and output stabilities determine the success of monetary policy in either economy. This paper briefly examines the monetary policy strategies of developing countries It is found that the developing countries follow ill-organized monetary system do not follow the rule-based policy, rather they often formulate and launch policies under some discretionary framework. The fundamental objective of this study is to examine the performance of rule-based monetary policy in developing countries by extracting experience from developed ones. This paper attempts…
    BankInflationLoanMoneyPakistan
  15. 15
    Optimizing Financial Performance: Role and Functions of Intermediaries
    Words • 666
    Pages • 3

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    Paper Type:650 Word Essay Examples
    A financial intermediary is an organization that raises cash from investors and supplies funding for individuals, business and other organizations. A financial intermediary is typically an institution that facilitates the channeling of funds in between lending institutions and borrowers indirectly. That is, savers (lending institutions) provide funds to an intermediary institution (such as banks), and after that organization in turn provides those funds to spenders (debtors). This might remain in the form of loans or mortgages. For corporations, intermediaries are…
    BankBankingEconomicsFinanceLoanMoney
  16. 16
    Ways Of Raising A Home Loan
    Words • 352
    Pages • 2

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    Paper Type:350 Word Essay Examples
    Before you begin looking for a mortgage, become familiar with the different types of loans, rates and terminology. Read the local newspaper’s real estate section and browse online mortgage broker sites that offer information about loans. Make a list of any questions you might have about the information you find. Prepare a monthly budget and determine what mortgage payment you can comfortably afford. This will become your benchmark. Considerations The most important step you can take in the mortgage process…
    FinanceLoan
  17. 17
    Importance of Financial Institution
    Words • 613
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    Nature of financial institutions Financial institutions are the organizations which perform the essential functions of channeling funds from those with surplus funds (suppliers of funds) to those with shortages of funds (user of funds). Financial institutions are active in today’s global markets include commercial banks, insurance companies credit unions, finance companies, savings and loan associations, saving banks, pension funds, mutual funds, and similar organization. Their fundamental role in the financial system is to serve both ultimate lenders and borrowers but…
    EconomicsFinanceFinancial LiteracyLoan
  18. 18
    Marketing to the Bottom of the Pyramid
    Words • 2026
    Pages • 8

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    Paper Type:2000 Word Essay Examples
    Professor C. K. Prahalad’s seminal publication, The Fortune at the Bottom of the Pyramid, suggests an enormous market at the “bottom of the pyramid” (BOP)—a group of some 4 billion people who subsist on less than $2 a day. By some estimates, these “aspirational poor,” who make up three-fourths of the world’s population, represent $14 trillion in purchasing power, more than Germany, the United Kingdom, Italy, France, and Japan put together. Demographically, it is young and growing at 6 percent…
    BankLoanMarketingPoverty
  19. 19
    Unraveling the Global Financial Crisis: Inside Job Analysis
    Words • 982
    Pages • 4

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    Paper Type:1000 Word Essay Examples
    IntroductionThe profound statement by Mahatma Gandhi, "Earth provides enough to satisfy every man's needs, but not every man's greed," encapsulates the essence of Charles Ferguson's documentary, Inside Job. This cinematic exploration delves into the intricate layers of the 2008 global financial crisis, exposing a nexus of interests and practices that plunged the world into economic chaos. This essay will meticulously dissect the documentary, offering a comprehensive analysis of the factors leading to the crisis, its immediate aftermath, and the enduring…
    BankJobLoanMovie Review
  20. 20
    Redefining Global Accounting: Navigating Challenges and Embracing Evolution
    Words • 1269
    Pages • 5

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    Paper Type:1200 Word Essay Examples
    In the ever-evolving landscape of the international accounting profession, there is an ongoing discourse about its effectiveness in meeting the diverse needs of users in the contemporary global business environment. Contrary to the notion that the profession has lost its way, this essay contends that its significance has only intensified in recent decades. It has become an indispensable tool for businesses of all sizes, playing a pivotal role in day-to-day management, facilitating decision-making, and shaping the trajectory of global enterprises.…
    AccountingEmploymentLoan
  21. 21
    Enhancing Efficiency Through Computerized Lending System
    Words • 2582
    Pages • 10

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    Paper Type:3000 Word Essay Examples
    As the world becomes increasingly reliant on technology, many establishments are failing to upgrade their computers to keep up with the latest features. This lack of upgrades can hinder their ability to satisfy clients and create a welcoming environment for each member. The current loan transaction processing system employed by RGT Lending Investor Incorporated is manual, causing a two-day processing period. This approach may become outdated with the advent of computers, which can expedite transactions. However, the company only utilizes…
    ElectronicsLoanResearch
  22. 22
    The Impact of College Affordability on Higher Education
    Words • 829
    Pages • 4

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    Paper Type:900 Word Essay Examples
    Entering college is often considered the natural progression after completing high school, but is this transition as straightforward as it seems? Today, a pivotal factor influencing the pursuit of higher education is the financial aspect. In the contemporary landscape, securing a scholarship stands out as an ideal means to navigate through college without the looming burden of accumulating student loan debt. While financial aid exists to support students in their quest for higher education, not all students qualify, leaving some…
    FinanceLoanStudent Loan Debt
  23. 23
    Loan Management System
    Words • 502
    Pages • 2

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    Paper Type:500 Word Essay Examples
    CERTIFICATE This is to certify that Dissertation entitled “Loan Management System” submitted by Ritesh Raikwar is approved as partial fulfilment for the award of Bachelor of Computer Application degree by Devi Ahilya Vishwavidyalaya, Indore. Recommendation The dissertation entitled “Loan Management System” submitted by Ritesh Raikwar is a satisfactory account of the bonafide work done under Dr. Sanjay Tanwani supervision is recommended towards the partial fulfilment for the award of the Bachelor of Computer Application degree by Devi Ahilya Vishwavidyalaya, Indore.…
    LoanManagementTechnology
  24. 24
    The Risks in Business
    Words • 1898
    Pages • 7

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    Paper Type:1800 Word Essay Examples
    Government The corporation has the responsibility to file and pay taxes to the respective government agencies, Bureau of Internal Revenue (BIR) for public information purposes showing transparency and accountability. Environment The facilitation of a clean environment and effective environment protection is a fundamental aspect of good business operations. Gapas Lending Corporation recognizes that its business activities have an impact on the environment, both globally and locally. Therefore, it is a policy to minimize the impact of the operations on the…
    AgricultureBusinessLoanPollution Prevention
  25. 25
    Mortgage of Land as Security Under the Land Use Act 1978
    Words • 6227
    Pages • 23

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    Paper Type:6000 Word Essay Examples
    Abstract The mortgage of land as security is undoubtedly a nightmare to banks, corporate organizations, individuals and other financial institutions in contemporary times because of the multifarious problems posed by the Land Use Act at both the time of creation and the enforcement of landed security. Since the radical title to land has been vested in the Governor with the power to revoke a Right of Occupancy for overriding public interest, the security in the hands of the lender may…
    ContractLoanSecurity
  26. 26
    New Century’s Business Model and Downfall
    Words • 1435
    Pages • 6

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    Paper Type:1400 Word Essay Examples
    Describe and evaluate New Century’s business model? New Century Financial Corporation, headed by founders Brad Morrice, Edward Gotschall, andRobert, was a firm which specialized in subprime mortgages. The company originated, sold, andserviced subprime home mortgage loans. New Century was structured as a real estate investment trust (REIT) and was composed of two operating divisions. The Wholesale Loan Division, known as New Century Mortgage Corporation, comprised 85% of the firm’s loan originations, while the Retail Mortgage Loan Division operated under Home123 Corporation. New Century Mortgage…
    BusinessBusiness ManagementCompanyFinanceLoan
  27. 27
    The 2007-2008 Financial Crisis
    Words • 1379
    Pages • 6

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    Paper Type:1300 Word Essay Examples
    The 2007-2008 Financial Crisis Introduction             The 2007-2008 financial crisis is also referred to as the global financial meltdown of 2008 and is ranked as the worst financial crisis after the great depression. The crisis started in the United States of America before spreading to other continents. It caused enormous economic losses and threatened the total collapse of big banks both in America and abroad. To avert a larger economic crisis, many governments came up with bailout plans aimed at…
    BankLoanThe Financial Crisis
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