Essays on Financial Resources

Impact of Policy Changes on Financial Stability of Commercial Banks in India

Paper Due date Abstract The study envisages financial stability of Indian Banks, especially schedule commercial banks, in the backdrop of macro-prudential policy changes. Banks are put under microscopic vision in terms of performing as commercial units while strictly adhering to the policy norms. The effect of regulatory and supervisory policy changes can be evidently seen in stressed performance of banks in the recent years, in-spite of growth in their retail portfolios. The policy changes of increased provisioning for NPAs, improvement in asset account quality, revised guidelines for Net Stable Funding Ratio, restructuring of large accounts and many more have ...

Cost Classification

It should be noted that the conceptual analysis of costs is based on comparison of different pricing models applied by the companies operating within similar business field. The manufacturing costs should be obligatory considered. The cost of manufacturing products of the navigation systems is very high. It may be explained by the fact that materials necessary for production consist of the unmanned, manned system, aircrafts, and space systems. In process of manufacturing and monitoring of the system high-skilled staff is required. Moreover, manufacturers of the details required by the navigation systems receive overhead profits. The non-manufacturing costs are related ...

Volatile Prices of Primary Goods Preventing Economic Development in LDCs

Background The primary goods refer to the products that are obtained directly from agricultural activities and are not subjected to the process of manufacturing. The most important primary products in an economy include those that are obtained from the sector, such as the fishing, agricultural, forestry, and mining industries. In terms of the least developed nations, which are mainly located in Africa, Asia, and the Latin America, the trade characteristics of their economies include the dependence on the developed, industrialized nations, and, significantly, the reliance on primary products. Accordingly, in international trade, the least developed nations’ exports are primary ...

Investment Appraisal

Investment Appraisal This report presents the critical investment appraisal of the new coffee shop venture to be initiated by Tesco Ltd. The report includes a thorough analysis of the café market and industry and also attempts to evaluate the target market and market segmentation. Towards the end, the report also includes the appraisal of the investment and financial analysis of the five-year forecast of the venture.

The British coffee market has grown considerably in the past few years that is evident from the fact that approximately $8 billion was spent by Britons in coffee shops last year. In 2015, ...

Government Actions in Markets

Figure 1 As a result of increasing the passenger movement tax on airlines, the equilibrium price P2 moves to new point P1. (P1>P2) The new quantity of flights is Q1. Therefore demand decreases, Q1 <Q2. Because of the increased prices some consumers denies to purchase tickets choosing other flight companies or using alternative ways of transportation. A tax that is imposed on sellers in fact creates a burden on consumers as well because of the fact that consumers will be forced to pay higher prices. It is clearly shows on the Figure1 that the revenue from sellers ...

About the paper

The paper discusses the use of funds in government accounting and will delineate how the fund balance represents the available spending resources of the entity. In addition, we will also comment on the special purpose fund in government accounting.

Government Fund and Balance of Fund

With regards to government accounting, Funds refer to the independent accounting mechanism with a self balancing set of accounts. The equity account, that represent the difference between assets and liabilities, refers to the fund balance, which the government or the respective department can use for future investment or to meet working capital needs. In fact, the overall objective of fund ...

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Importance of the Non-Profit Sector (NPS)

The sector is the channel by which the altruistic intentions of the affluent and charitable are fulfilled. Most beneficiaries are the groups in society who are incapable of livelihood like the sick, old and very young. The NPS does not have a pressure to minimize expenditure like that of salary. The non-profit organization can provide more employment than a similar sized profit organization. It is labor intensive mostly focused in health and education. (The role of the nonprofit sector, n.d.) It is an important partner to the government in its delivery of social services. It provides ...

Childhood obesity is a growing health concern with the National Conference of State Legislatures (2014) estimating that 31.7% of children and adolescents are either obese or overweight. Consequently, such a health concern has an impact on nursing. This is especially the case considering that obesity is associated with the patient being at a high risk of non-communicable diseases such as diabetes and liver complications (Joshi, 2015). It is therefore important that policy imperatives be developed to tackle the problem. Some of primary areas of concern for a policy touching on childhood obesity include school nutrition, insurance coverage for affected ...

Introduction

The purpose of this paper is to show how the western media reported the Sino Japanese war and how China and Japan were portrayed. Several news reports portray the Chinese as being aggressive and violent individuals thus presenting the perception of the Chinese as being less victimized in the war. In contrast, the western media portrays the Japanese as being a rational and courteous group of people while their negative roles and atrocities in both world war II and Sino Japanese war have been overlooked. This paper will further identify the underlying reasons for ideological inclinations of wartime reporting. ...

(Student’s Full Name)

According to Peter Capelli, “52% of U.S. employers surveyed say they have difficulty filling positions because of talent shortages” (par. 10). However, at the time that The Wall Street Journal article was written the unemployment rate was around 9%. The writer explains further that American employers are still complaining about “talent shortages” because they would like to employ persons who do not require any “training or ramp-up time” (Capelli par. 10). These employers hardly hire anyone despite having an “abundance of workers to choose from” (Capelli par. 10). The unwillingness of U.S. employers to hire ...

The story of Microsoft started as a small company founded by two high school friends in 1972 and a relatively shorter period, these friends could manage to revolutionary innovations in the history of computer producers. Before them, the computers were using very confusing software for users. Microsoft Company has produced the computer operating system of Windows. The primary strategy Microsoft has followed is to create user-friendly applications and operating system. The software developed by Microsoft has made the use of computer very easy, and that helped the company increase its market share in the global market. Nowadays, Microsoft has ...

The commitment of clients towards the company is probably the most precious asset that the company cannot even show in its books, yet it strives day and night for the same binder from these people they call their customers. This struggle is even more intense today than it was ever before and as per the standards of today, the client also wants to ensure that the company cares not just about the profits it makes but also about the people that it works for. This commitment of any corporation towards the society that it operates in is what we ...

For the purposes of this term paper it was decided to analyze factors affecting marketing strategy of the European brand "Fairy Dragons" that manufactures souvenirs and toys. The fabulous legend about dragon's family that has magical powers and help people was formulated for the promotion of the brand. The brand name clearly relates to the main heroes of that legend - thereby the brand's mission is much broader than the mission of usual souvenir manufacturers. "Fairy Dragons" has taken on additional psychological meaning for the consumer. The brand is presented in retail places near European must sees visited by ...

IFTC entrepreneurship plan

Changing lifestyles present an immense opportunity for Instructional Fitness & Training Center (ITFC) to grow its bottom line. Changing lifestyles are increasingly geared towards healthy living, which is illustrated by the increased focus on health issues such as obesity (Fitness Industry Analysis, 2016). Introducing a line of business dealing in sports nutrition and diet products is therefore an innovative idea. This is because it not only provides a complementary product but also ties in well with the goal of most of the business’ clients, who are primarily fitness enthusiasts to maintain a healthy lifestyle as exemplified by their dedication to ...

Imperial Oil, founded in 1880 is a giant petroleum producing company, with its headquarters located in Calgary, Canada. It is the second largest integrated petroleum company in Canada and has registered a phenomenal growth since its inception. Its operations consist of exploring and producing oil, manufacturing and distributing petroleum products for energy sources, producing chemicals for industrial and domestic use through innovative and sustainable technology. ( Annual report, 2016) reports a cash generation of $22 bn from operations only during 2010-2015. Its performance can be evaluated from the growing dividends paid to its shareholders in last 21 consecutive years. Imperial ...

____________ University

Introductory remarks

Alberta oil is one of the largest oil fields in the world. According to Simon Dyer, “The Canadian oil sands are the second largest proven oil reserve after Saudi Arabia” (Dyer, 2009). The commercial development of the Alberta oil sand had begun in the late 1960s. By the time World War I had arrived, and after the war was over, Canada was almost entirely dependent on oil from foreign countries. Canadians, after the war, began to wonder if the nation had any oil resources of their own. This interest led to the creation of the Alberta Research ...

American Public University

In this paper, I will discuss the real estate industry development and inefficient use of financial resources in Turkey. Also, the real estate sector causes some damages in nature and misuse of a natural resource. The biggest problem is the short term vision planning businesses have been granted some advantages by the Turkish governments from 1984 to 2016 and the financial markets in Turkey has not been well-developed, and it causes inefficient use of funds. One of the industries using financial resources inefficiently is the real estate business (Finkel & Ersoy, 2016). The population has started increasing rapidly after the ...

Personal Financial Planning

Personal Financial Planning

Develop a workable operational budget Make payment to credit cards Formulate a savings plan Long Term Financial Goals for John and Beth Formulate and implement an investment plan Make payments to an investment plan Complete loan repayment Time Frame for Accomplishing Long-term and Short-term Goals Many economists believe that the time frame for accomplishing long-term and short-term goals should be between one and two years (Kaplan & Atkinson, 2015). In the case of John and Beth, the adequate amount of time that shall be required to formulate a workable financial operational budget shall be 2 weeks, while ...

Staff Development and Team Improvement

Introduction Davis Healthcare is situated at the heart of California in Davis Town, and it offers services to patients who need some tender care after hospitalization. The healthcare has a home environment which helps the patients stay comfortable and recover with time. However, there is a need to improve the quality of health care in the institution. Staff improvement and team development is a sure way of ensuring that the quality of services offered is optimal and to the required standards (Bendaly & Bendaly, 2012). The paper will analyze various improvement methodologies, the information technology used and various benchmarks against ...

Childhood obesity is one of the common lifestyle challenges facing children living in Adams County and various other parts of the United States. Indeed, according to the Centres for Disease Control and Prevention (CDC) (2013, Community overview, para. 1), the prevalence of childhood obesity in Adams County was 18.6% in 2013. Obesity is a risk factor to cardiovascular diseases and other chronic illnesses (Frandsen, Pennington, & Abrams, 2014). Indeed, it is the most common risk factor for type 2 diabetes (DeBruyne, Pinna, & Whitney, 2012). Poor nutritional practices and sedentary lifestyle are some of the most common risk factors for obesity ( ...

Issues

This case concerns the analysis of the validity of the offer and its acceptance under the terms and rules of the contract law made in different forms by virtue of the advertisements in the newspaper.

Contractual relations are comprised out of two primary pillars as the offer and acceptance. In fact, the one party to the contractual relations should provide the other one with the offer. In case the second party accepts this offer this implies that these people have entered into the legal and binding relations. Given the merits of the case, one may see that Philip plays ...

Introduction

The extent of success achieved by adult siblings could be similar or differ from one family to another. This paper seeks to examine the degrees of such similarities or differences and give sociological justifications for their existence among siblings. According to Conley (2004), siblings can grow up in the same family, and one of them becomes very successful in life while the other goes through severe survival hardships. Multiple reasons contribute to the emergence and existence of these disparities in the adult lives of the siblings. This paper, therefore, seeks to explain the reasons behind such differences. Conley, in ...

Business

Question 1 In this case, the first loan agreement was between Agile Corporation and Hi Finance Company. The collateral attached to the loan protects the interest of the lender (HFC) such that if the borrower defaults, the lender can use the collateral against the amount borrowed. When a party enters into such transaction and a valid agreement is made, the transaction is secured. HFC, being the first lender, is referred to as the senior lender and has priority over the collateral. Metro Bank is the second lender hence the loan is junior to that of HFC. The interest of ...

Spirit AeroSystems, Inc. started its existence with the sale of Boeing Commercial Airplanes to investment firm Onex. Providing a tier essential parts for aircraft, the company has built a strong management policy to govern such a huge corporation. The board of directors is a main key governance instrument of the company. Spirit AeroSystems, Inc. has a chairman of the Board and president. Another person may be appointed as a director, president and Chief Executive Officer to perform the main responsibilities that a director has. Since 2013, this position is held by Larry A. Lawson. There is also an independent ...

Interview with Healthcare Administrator

Interview with Healthcare Administrator

The health promotion initiatives are focused to incorporate the set of actions that enhance the health quality and wellbeing of the individuals in society. The objective of health promotion initiatives is to inform the individuals about the various aspects of their daily routines and how can they enhance their routine activities to remain healthy. It also ensures all the things are well-addressed that can influence the health and wellbeing of the individuals. In this manner, these initiatives play a prominent role in the prevention of chronic diseases caused by the prevalence of unhealthy activities (Nader ...

Characteristics of a Healthy Community

According to Foley (2013), a healthy community is composed of different components, wherein the people living in the community have the opportunity to become better for the sake of themselves and their loved ones. Also, a healthy community creates a constant and active community between the leaders and all the members. Specifically, a healthy community has 20 different components (Foley, 2013). A healthy community provides no disparity among members; has a stable economic status, as well as opportunities to make a living; has proper allocation for the educational sector; has sufficient health care providers and health centers; has a ...

Danone, founded in 1919, is a leading French multinational foods and beverage company. Headquartered in French capital of Paris, the company is departmentalized according to its products i.e. medical nutrition, early life nutrition, waters and fresh dairy products. The company operates in more than 120 markets with most of them being in developing countries. Being a multinational corporation, the company is listed on numerous stock exchanges including; the Euronext Paris and the OTCQX market through the American Depository Receipt (ADR) program. Since most stock exchanges have different trading procedures, this may lead to complications in the financial management of ...

Financing and Accounting Comparison

The way how a company spends their financial resources can spell the difference between failure and continuous operational expansion. This is why it is important to compare the financing and accounting methods of a startup firm to one that is already established and continuously earning like UPS.

Accounting Methods

A more sensible accounting method-related variable would be the use of resources or the cash flow statement. The cash flow statement shows how a company is making use of the financial resources that it obtains from its operations (if the company managed to earn a profit for that period), financing activities, and ...

Thesis: Small businesses rely on marketing philosophies and creativity and need relevant knowledge to excel. The following articles on small business operation enforce this statement.

Article One: Small Business Adoption of the Marketing Concept vs. Other Business Strategies

Small and established businesses alike adopt styles of doing business to achieve their goal as an entity. These goals are geared toward the prosperity of business, hence the need to a department handling the idea and practice: the marketing department. Businesses tend to adopt a set of ideas that can offer the greatest value to the business. This article refers to theses sets of ideas as business philosophy. This article is expressive of the ...

Introduction

Throughout this discussion, we will analyze the history of life insurance companies, any major events which impacted the life insurance industry, including the Great Recession of 2007 which lasted for two years, rules or regulations proposed by Congress that govern the present operation of life insurance companies, including any changes of insurance laws, the current Presidential candidates plan on implementing for the life insurance industry and future expectations of the operational life insurance environment.

History

The life insurance industry began in the ancient city of Rome around 100 B.C. The Roman militant leader named Caius Marius, had created a certain ...

The Dhamani Jewels: Strategic Perspectives. Case Study. CONTENTS I. Introduction 3 II. Background 3 III. Alternatives 4

B. Difficulty in developing future strategy 4 C. Poor system of data-collection 5 D. Non-presence in the e-segment 5 IV. Proposed Solution 5 V. Recommendations 6

References 7

Introduction The analyzed case study revealed that although by the standards of luxury jewelry standards Dhamani is a relatively young company, yet, provided that the company management maintains and improves its grasp on strategic planning and marketing, it has bright future. Thus, both the annual revenues, accrued by Dhamani, its market segmentation, location of its stores, ...

Internal Analysis of PetSmart Inc

Resources are considered to be operational incentive, which a business or an organization may have. Identifying with the PetSmart Inc. the resources that the business has are analyzed from the perspective of the tangibles and the intangible resources. According to Ulrich (2013), the choice of the tangible and intangible resources can best fit the description of the internal environment, which the organization has in terms of business management incentives. Tangible resources The domain of the tangible resources is filled with the resources that are seen and can be handled by the metric measures of resource performances. In this case, ...

American Public University

Capital structure has an essential place for making a business sustainable today and in the future. The capital structure reflects all the firm's debt and equity obligations. A company might create a capital structure consisting of different capital resources with different risk levels. The components of the capital structure include the followings: senior debt, subordinated debt, mezzanine debt, hybrid financing, convertible debt, convertible equity, preferred equity, and common equity. While creating and managing the capital structure, making decisions on the preference of use the mentioned components has high importance, because each element has a risk level for creating sustainable ...

Acknowledgements

The research was supported by [name of foundation] who provided the information on the company present and past. I would like to thank [name] for assistance with the information, sharing and evaluation the process of strategy building, sharing the ideas about the built strategy and telling what was done before to develop the company. I would also like to show my gratitude to [name] who gave some precious comments about the work of the company that helped to process the research and work out some ideas of improvement.

Approval Sheet

Executive Summary The case study of the Golden Horizon Placement Agency ...

Abstract

Public safety agencies have a tendency to ignore leadership succession planning and the formal development of future leaders. A combination of budget cuts, a lack of internal interest, increased public scrutiny, and politics means that public agencies often do not prepare for leadership changes. The average leadership tenure in the public sector has a reputation for being more extensive than the private sector, which is perhaps one of the reasons why public agencies do not place as much importance on succession planning. The average tenure of leaders in fire and rescue agencies is shortening due to increased job demands ...

Chapter 2: Literature Review

Introduction The chapter consists of all the relevant information that can be collected from past studies and are combined to present a clear view. It is the initial for determining the factors that can be used to synthesize the overall study through findings and discussion. The positivist approach is used to collect and summarize the information from the previous studies and determine the model that can be used to conduct a viable study. The positivist approach emphasizes all the relevant information regarding the topic that is to compare Islamic and Traditional banks using data envelopment analysis. The theoretical framework ...

Strategic Management in Cemex

Strategic management is an essential aspect of any organization that wishes to stay ahead of the competition and increase its growth. This analysis gives an account of Cemex, one of the leading cement producing company in the world. The analysis demonstrates how the company's mission and vision align with its plans to penetrate the Indian and Chinese market through strategic management since the two markets have shown a high market potential despite having a high number of players in the industry. A description of the company objectives and strategic capabilities is outlined and how they can help it achieve ...

Overview of the Project

The project described hereunder is the brainchild of the Broward County Board of Commissioners Facilities Maintenance Division. This is a division that is tasked with offering maintenance services to other government agencies. Some of the government agencies that have benefited from the maintenance services of the division include libraries, motor pools, courthouses, the health departments, office park buildings, fire rescue department and parking garages among others. The Broward County Board of Commissioners Facilities Maintenance Division has a versatile human resource that is comprised of welders, storekeepers, electricians, locksmiths, sign shop, maintenance workers, plumbers, painters, mechanics, and carpenters among others. ...

Communication errors

Communication is among the crucial aspects especially in nursing that promotes optimal care delivery. As such, effective communication among healthcare professionals especially during shift changes helps in preventing various medical errors like medication overdose as well as surgical complications. In addition, effective communication helps in enhancing the clinical outcomes of patients since medical errors are closely associated with various adverse events that have severe health as well as economic consequences on patients. According to Pham et al. (2012), effective communication among healthcare professionals especially during shift changes helps in minimizing the incidences of medical errors and subsequent injuries as ...

In any given society, the role health sector plays are vital; hence, there is the need for strategies to be incorporated to enhance efficiency level in the system. The management of healthcare organizations needs to lay strategies which ensure that the resources in the enterprise are capitalized entirely for productivity in the organization. Human resource in organizations proves to be critical in the mobilization of other resources such as financing and capital resources. In this article, a model for strategic management of human resource in the health sector will be discussed. The model will attempt to link up variables ...

Business Plan for a Gym

Business Plan for a Gym

Executive Summary

The Mountain Fitness Gym is a thriving business-persons gym that focuses on the fitness of all the people from different areas. The gym is famous because it caters for the needs of all the people in the community. However, more than fifty percent of our clients are old people who aspire to be physically fit. The center also caters for the fitness needs of the young people. Currently, the gym has more than 1200 clients who have subscribed to be the gym members. For one to become a member of the gym, he or ...

Is the “Beijing Model” Applicable in Other Countries?

Introduction The Chinese economical development is under close examination of the experts across the world as the country has succeeded to achieve the leading positions across the world based on its economical model. Some experts believe that Chinese model of economical development may be applied by other countries, while the opponents to this position state that this approach may exist under the circumstances available in China. Since second half of the twentieth century, Chinese development is featured with permanent growth with annual rate of 10%. In the contemporary economical society, the GDP in the country is higher up to ...

Introduction

Sustained huger and food insecurity are harmful to all individuals, but hunger is primarily disruptive to children. Good nutrition is of the utmost importance to a child’s growth and wellbeing. Not having enough of the right kinds of food can have serious consequences for a child’s physical and mental health, educational accomplishments and future economic success. One in five kids is facing difficulties in achieving his or her full potential. Hunger among children in America is due to prevailing states of poverty, rather than the availability of food itself (DoSomething.org). Income inequality and the continued marginalization of ...

As a result of the intense competition in different industries, companies resort to technological tools to help enhance their competitive advantage. ERP is software package used by numerous companies to streamline their business processes both internally and across borders. However, there are numerous challenges associated with the implementation of the ERP systems. One of the critical challenges facing the implementation of the ERP systems is the lack of enough financial and human resources. Financial resources help organizations to keep the system running effectively from the design to the implementation phases. Most organization do not do adequate planning for the ...

COCACOLA COMPANY

Coca-Cola Company Introduction Basing on the report of the EDGAR and United States Security and Exchange Commission, Coca-Cola Company is one of the best non-alcoholic companies leading in various global operation sectors like marketing, manufacturing and distributing its products at global level. The company’s main products include different beverage products that are distributed around the world, and it also distributes concentrates and syrups globally. The company has several objectives. Some of them are serving customers adequately, valuing their interest, protecting company's assets, minimizing business risks and maintaining a sustainable environment that is often friendly to customers.

Segments of the general external environment that affects the company

Coca-Cola Company ...

Introduction

As the pressures of globalization are increasing for all businesses, it is important that different marketplaces and economies should be integrated with one another. For this, it is observed that increasing number developing countries are accessing different market arenas to improve their economic growth by entering into trade relations with other countries. In this regard, this paper is written to make an important discussion about the net benefits provided by international market access to developing countries. Different benefit which a developing country can derive from entering other markets and entering into trade agreements with numerous nations is highlighted in ...

Results and Literature Review

Slavec & Prodan (2012) found out that the strength of an entrepreneur’s social links is a significant factor in financing choice. The bigger the strong-tie network, the less the need for seeking finances to offset debts as the strong ties the entrepreneur has will enable him or her assemble the necessary financial resources. A majority of the respondents indicated that they have strong social ties with family members, financial institutions, accountants and friends whom they play an important role in supplementing the start-up and working capital of their business. This is in line with Slavec & Prodan’s research on ...

Slide 1

The title of my presentation is “Functions of Management”. Slide 2 Management can be described as a social process that involves responsibility for effective and economic planning and regulation of a company in the fulfillment of certain purposes. It a dynamic process and consists of various activities and elements. These activities differ from operative functions such as finance, marketing, purchase, etc., but they are common to every manager regardless of his status or level. Numerous researchers have classified functions of management in a different way. According to Fayol, for example, there are four functions, but the most accepted are ...

Final Assignment

Final Assignment

Question 1: 10 Tips for Changing Health Behavior in Older Adults (Haber, 2013)

One of the challenges regarding this tip is the lack of motivation by the older adult to adopt the new behavior. Overcoming this challenge will require enhanced understanding of the positive implications or outputs of the new behavior, thus, motivation to adopt the new behavior by the target audience. For example, in case of weight loss behavior, I would consider highlighting diseases, which associate with obesity to motivate the older adults on the need to overcome or prevent such diseases.

Modest

One of the challenges regarding this tip is overstating ambitious goals, which might be beyond capabilities of ...