Financial Risk Essays (Examples)
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
… more with the advancement of globalization. In each regard of their business operations, banks ought to take effective measures in order to diminish risk by pinpointing the prospective causes based on real-world circumstances. Imperatively, the banking sector is deemed to be a significant source of financing for … a significant source of financing for several companies and entrepreneurs. In the past decade, there have been dramatic changes concerning the management of risk in the banking industry. Progressively more financial institutions and managers have augmented the focus on the significance of risk management. In delineation, risk management encompasses the practice of identifying, assessing and listing of risk followed by organized and cost-effective application of resources to curtail, supervise and control the probability and influence of disastrous events or to capitalize … and influence of disastrous events or to capitalize in the realization of prospects (Gizaw, Kebede, and Selvaraj, 2015).
The……
References
References
Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.
Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.
Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318
Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.
Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.
Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.
Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).
Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.
Study Document
Enterprise Risk Management In Wells Fargo During The Pandemic
Enterprise risk Management in Wells Fargo during the Pandemic
Introduction
As Beasley (2020) points out, enterprise risk management (ERM) is especially needed during the COVID 19 pandemic because of the “number of different, but interrelated risk spread all across most organization” (p. 2). COVID 19 is not just a factor that has impacted one business or industry. It has … Wells Fargo specifically because of its role in managing loan products, using interest rates to attract savers, and offering investment advice. “No single risk associated with the COVID-19 pandemic crisis can be managed in isolation,” as Beasley (2020) points out (p.2). This means that from an ERM … in isolation,” as Beasley (2020) points out (p.2). This means that from an ERM perspective the problem has to be approached comprehensively with risk understood at the macro level. This paper will provide 1) a critical analysis, including a comparison and contrast……
References
References
Beasley, M. (2020). How to Leverage ERM Principles to Better Respond to COVID-19-Related Risks. ERM Professional Insights.
Derysh, I. (2020). Watchdog questions why Wells Fargo reported giving only one large PPP loan to a Black-owned business. Retrieved from https://www.salon.com/2020/07/22/watchdog-questions-why-wells-fargo-reported-giving-only-one-large-ppp-loan-to-a-black-owned-business/
English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664
Hall, J. (2007). Internal Auditing and ERM: Fitting in and Adding Value. Retrieved from https://global.theiia.org/about/about-the-iia/Public Documents/Sawyer_Award_2007.pdf
Kaplan, R. & Mikes, A. (2012). Managing risks: A new framework. Harvard Business Review, 3.
Lewis, M. (2010). The Big Short. NY: W. W. Norton.
Lundqvist, S. (2014). Abandoning Silos for Integration: Implementing Enterprise Risk Management and Risk Governance. Lund University.
Morgenson, G. (2020). More Wells Fargo customers say the bank decided to pause their mortgage payments without asking. Retrieved from https://www.nbcnews.com/business/personal-finance/more-wells-fargo-customers-say-bank-decided-pause-their-mortgage-n1234610
Study Document
Financial Planning
… and secondly, because they can solely focus on the saving part as well.
Once the debt is paid off, they can become more financial stable and can make decisions independently. They can direct themselves to other goals since there are so many premium payments of insurance, monthly … educational needs while also assisting them to become more stable and independent in their lives. [1: Solution, I. D. (n.d.). How To Set financial Goals: 6 Simple Steps. InCharge Debt Solution.]
Moreover, these saved up funds from paying off the liabilities can be used for investment purposes … themselves off the burden while investing in better opportunities that can save up cost and have a promising rate of return with lesser risk. These returns can be saved up or re-invested with a tax free IRA, again assisting their financial goals.
Through Chris and Dayna, having better job opportunities, and a raise……
References
References
Doyle, A. (2019, May 14). How much is the average wage in America. The Balance Careers. Retrieved from https://www.thebalancecareers.com/how-much-is-the-average-raise-in-america-4582795
Solution, I. D. (n.d.). How To Set Financial Goals: 6 Simple Steps. InCharge Debt Solution.
Study Document
Twitter Financial Statements Analysis
… a healthy balance sheet. This gives Twitter the flexibility to raise debt capital, because its liquidity will attract investors, and furthermore Twitter’s increasing financial stability reflects a maturing business that implies long term cash flow stability.
Bond investors tend to also look at the debt-to-equity ratio, as … tend to also look at the debt-to-equity ratio, as a high debt-to-equity ratio is typically associated with a company that would be higher risk. Twitter’s long term debt-to-equity is declining, largely because its profitability, and reductions in R&D spend are putting Twitter in a position of growing … that it would turn to bond markets, but an equity issue of some kind is still an option for Twitter given its current financial health.
1.4 What are the implications of the financial for future strategy and execution of strategy?
Twitter’s financial indicate that the company has turned a corner strategically. Now that……
References
References
Statista (2019) Social networking ad revenue market share of LinkedIn in the United States from 2015 to 2018. Statista. Retrieved March 20, 2020 from https://www.statista.com/statistics/241815/market-share-of-linkedins-us-social-network-ad-revenue/
Yahoo! Finance, various pages (2020).
Study Document
How Amazon Hedges Its Forex Risk
… tend to be offsetting in terms of costs and revenues, there still foreign currency profits that end up being translated back to Amazon’s financial statements. This creates translational risk for the company. The operating offsets mean that Amazon doesn’t need to utilize hedging strategies, but tactics like offsetting costs and revenues, and … doesn’t need to utilize hedging strategies, but tactics like offsetting costs and revenues, and diversification of international operations, help Amazon reduce the translational risk that it faces. This paper will examine what foreign currency exchange rate risk Amazon faces, and what tactics it undertakes to mitigate these risk on its income statement and balance sheet.
Introduction
Amazon has online retail operations in 58 countries around the world, and these are typically … around the world, and these are typically priced in local currency. This has implications for the company’s strategies with respect to foreign exchange risk,……
References
References
Amazon 2019 Annual Report. Retrieved April 29, 2020 from https://s2.q4cdn.com/299287126/files/doc_financials/2020/ar/2019-Annual-Report.pdf
HowMuch.net (2019) Charting the most powerful reserve currencies in the world. HowMuch.net. Retrieved April 29, 2020 from https://howmuch.net/articles/worlds-top-reserve-currencies-2019
Mehta, N., Detroja, P. & Agashe, A. (2018) Amazon changes prices on its products about every 10 minutes – here’s how and why they do it. Business Insider. Retrieved April 29, 2020 from https://www.businessinsider.com/amazon-price-changes-2018-8
Reiff, N. (2020) Hedge. Investopedia. Retrieved April 29, 2020 from https://www.investopedia.com/terms/h/hedge.asp
Roamy (2019) The consequences of Amazon’s pricing power. Medium.com. Retrieved April 29, 2020 from https://medium.com/goods-services/https-medium-com-goods-services-amazons-pricing-power-797e28b63fbd
Statista (2019) Annual net sales of Amazon in selected leading markets from 2014 to 2019. Statista. Retrieved April 29, 2020 from https://www.statista.com/statistics/672782/net-sales-of-amazon-leading-markets/
Study Document
Investing Overseas Market Entry Decision Making
… they will find that Europe has robust legal systems, the opportunity to employ a land and expand strategy, access to capital markets and financial institutions, along with plentiful potential partners or acquisitions in most fields. The member nations of the European Union are sufficiently sophisticated to handle … similar market like the UK or Ireland makes expansion into the EU a viable choice. If all other factors are equal, Europe’s robust financial markets, mature market structures and legal regime all make a strong case for expanding into the EU rather than outside of it.
2. … a strong competitive move for KFC, and allowed it to capture substantial market share in a lot of countries around the world.
5. financial institutions might prefer to provide credit in financial markets outside of their country because they want to gain the benefits of diversification. In general, each country has its own……
References
References
CE Intelligence. (2019) EU – market entry strategies. CE Intelligence.com. Retrieved December 5, 2019 from http://www.ceintelligence.com/content_manager/contentPages/view/eu-market-entry-strategies
Chapman, K. & Edmond, H. (2010) Mergers/acquisitions and restructuring in the EU chemical industry: Patterns and implications. Regional Studies. Vol. 34 (8) 753-767
Conyon, M., Girma, S., Thompson, S. & Wright, P. (2003) The productivity and wage effects of foreign acquisitions in the United Kingdom. The Journal of Industrial Economics. Vol. 50 (1) 85-102.
EF.com (2019) English proficiency index. EF.com. Retrieved December 5, 2019 from https://www.ef.com/wwen/epi/
Export.gov (2019) European Union – market entry strategy. Export.gov. Retrieved December 5, 2019 from https://www.export.gov/article?id=European-union-Market-Entry-Strategy
Girma, S. (2002) The process of European integration and the determinants of entry by non-EU multinationals in UK manufacturing. DOI:10.1111/1467-9957.00305
Girma, S. (2005) Technology transfer from acquisition FDI and the absorptive capacity of domestic firms: An empirical investigation. Open Economies Review. Vol. 16 (2) 175-187.
Lamson, M. (2016) 5 things you need to know before doing business in Europe. Inc. Magazine. Retrieved December 5, 2019 from https://www.inc.com/melissa-lamson/5-things-you-need-to-know-before-doing-business-in-europe.html
Study Document
US Healthcare Reimbursement And Insurance Issues
… It constitutes one means by which individuals in different nations pay for their healthcare needs. When individuals hailing from poor backgrounds without any financial risk protection get sick or injured, they encounter the following difficulty: they may either make use of healthcare services, further impoverishing themselves by financing … difficulty: they may either make use of healthcare services, further impoverishing themselves by financing these services, or may forego treatment, stay sick/injured, and risk not being able to function properly or go to work. Regardless of the differences in funding and corporate structures in different nations, high-income … negotiating position of the insurer (Dey & Bach, 2019).
The goal of offering improved catastrophic monetary protection that is dependent upon pooling the risk of several individuals who won’t be enduring such events is contrary to the goal of selling highly-personalized insurance to different clients based on … isn’t the sole factor……
References
References
Araujo, M. (2020). Health and medical insurance differences: HMO, PPO, POS, EPO. Retrieved from https://www.thebalance.com/health-and-medical-insurance-2645378
Bertram, M. Y., Lauer, J. A., De Joncheere, K. D., Edejer, T., Hutubessy, R., Kieny, M. P., & Hill, S. R. (2016). Cost-effectiveness thresholds: pros and cons. Bull World Health Organ, 94, 925–930. http://dx.doi.org/10.2471/BLT.15.164418926
Dey, P., & Bach, P. B. (2019). The 6 functions of health insurance. The JAMA Forum, 321(13), 1242-1243. DOI:10.1001/jama.2019.2320
Ho, A. (2015). Health insurance. Encyclopedia of Global Bioethics. Retrieved from https://www.researchgate.net/publication/298022702_Health_Insurance
IMedPub. (2020). Health insurance. Retrieved from https://www.imedpub.com/scholarly/health-insurance-journals-articles-ppts-list.php
Maruthappu, M., Hasan, A., & Zeltner, T. (2016). Enablers and barriers in implementing integrated care. Health System & Reform, 1(4), 250-256. https://doi.org/10.1080/23288604.2015.1077301
Sekhri, N. (2000). Managed care: The US experience. Bulletin of the World Health Organization, 78(6), 830-844. Retrieved from https://www.who.int/bulletin/archives/78(6)830.pdf
Strata Decision Technology. (2020). Healthcare and hospital capital budget. Retrieved from https://www.stratadecision.com/healthcare-and-hospital-capital-budget/
Study Document
The Cost Effectiveness In Cloud Computing Within An Accounting Organization
… the pertinent rules on privacy and safeguarding of data. Any individually distinguishable details will not be exposed to any third party. Moreover, no financial incentives or bribes will be offered to any research participants to be involved (Queirós, Faria, & Almeida, 2017).
Data Analysis Plan & Rationale
……
References
References
Bauer, E., & Adams, R. (2015). Reliability and availability of cloud computing. Hoboken: John Wiley & Sons.
Chang, W. Y., Abu-Amara, H., & Sanford, J. F. (2018). Transforming enterprise cloud services. New York: Springer Science & Business Media.
Chang, V. (Ed.). (2015). Delivery and adoption of cloud computing Services in Contemporary Organizations. IGI Global.
Hsien, W. F., Yang, C. C., & Hwang, M. S. (2016). A Survey of Public Auditing for Secure Data Storage in Cloud Computing. IJ Network Security, 18(1), 133-142.
Jamsa, K. (2016). Cloud computing. New York: Jones & Bartlett Publishers.
Maguire, M., & Delahunt, B. (2017). Doing a thematic analysis: A practical, step-by-step guide for learning and teaching scholars. AISHE-J: The All Ireland Journal of Teaching and Learning in Higher Education, 9(3).
Mehmood, R., Katib, S. S. I., & Chlamtac, I. (2020). Smart Infrastructure and Applications. New York: Springer International Publishing.
Prabhu, C. S. R. (2015). E-governance: concepts and case studies. New Delhi: PHI Learning Pvt. Ltd.
Study Document
Starbucks
… during the Great Recession. The company’s investment strategies should have reflected its strategic priorities during this period, and an analysis of the company’s financial over this time should illustrate that. Starbucks’ growth since 1998 has mainly been in overseas markets, but the company has also branched out … As a consequence, retained earnings fell from $5.563 billion in 2017…[break]…is facing contraction but does not appear to have built that into its financial plan. The decline in equity to the deep negative levels of today is the result of a company that appears to have thought … a bit from McDonalds, which is viewed far less favorably. However, industry trends will occur regardless, and companies need to undertake the appropriate financial steps in order to ensure that they can meet their ongoing operational needs, and their expansion needs at the same time.
The abrupt … order to ensure that they……
References
References
Cannivet, M. (2019) Starbucks’ big stock buyback limits future upside. Forbes. Retrieved October 4, 2019 from https://www.forbes.com/sites/michaelcannivet/2019/08/29/starbucks-big-stock-buyback-limits-future-upside/#26c434067047
Hawley, J. (2019) Who are Starbucks’ main competitors? Investopedia. Retrieved October 4, 2019 from https://www.investopedia.com/articles/markets/101315/who-are-starbucks-main-competitors.asp
Macrotrends (2019) Starbucks. Macrotrends.com. Retrieved October 4, 2019 from https://www.macrotrends.net/stocks/charts/SBUX/starbucks/financial-statements
Marketwatch (2019) McDonalds Marketwatch. Retrieved October 4, 2019 from https://www.marketwatch.com/investing/stock/mcd/financials
Sharf, S. (2013) Starbucks ordered to pay Kraft $2.8 billion. Forbes. Retrieved October 4, 2019 from https://www.forbes.com/sites/samanthasharf/2013/11/12/starbucks-ordered-to-pay-kraft-2-8-billion/#5516b7fa167d
Starbucks 1999 Annual Report. Retrieved October 4, 2019 from https://s22.q4cdn.com/869488222/files/doc_financials/annual/1999/102640_financials2_99.pdf
The Coffee Brewers (2008) With Starbucks closing 600 shops, is the coffee business still lucrative? The Coffee Brewers. Retrieved October 4, 2019 from https://www.thecoffeebrewers.com/starbucks.html
Study Document
Violence Prevention Programs
… the budget expenses. The program is funded through State and Federal grants and some community-based fundraising. The program is operating at a surplus.
financial, the programs can be seen as operating efficiently. But what about in terms of impact in the community? To understand the actual impact … posits that people are pressured to commit crime by society: they may be unaccepted by others, or they may face severe economic or financial pressures; they may face pressures from family, or from school or from church. They commit crime when the pressure becomes too great and … certainly one perspective to consider. People who commit acts of violence are not prohibited from thinking that the benefits of crime outweigh the risk. People are cable of reason, even if they reason wrongly in some cases—like when they decide to commit an act of violence. Rational … be done without the participant’s……
References
References
Altafim, E. R. P., & Linhares, M. B. M. (2016). Universal violence and childmaltreatment prevention programs for parents: A systematic review. Psychosocial Intervention, 25(1), 27-38.
Alternative Paths. (2020). Violence prevention. Retrieved from https://www.alternativepaths.org/services/diversion-programs/violence-prevention-program
Farrell, A. D., Meyer, A. L., Kung, E. M., & Sullivan, T. N. (2001). Development and evaluation of school-based violence prevention programs. Journal of clinical child psychology, 30(2), 207-220.
Johnson, D. W., & Johnson, R. T. (1995). Why violence prevention programs don't work--and what does. Educational Leadership, 52(5), 63-68.
Lee, C., & Wong, J. S. (2020). Examining the effects of teen dating violence prevention programs: a systematic review and meta-analysis. Journal of Experimental Criminology, 1-40.
Siegel, L. (2018). Criminology, 7th Ed. Cengage Learning.
Stagg, S. J., & Sheridan, D. (2010). Effectiveness of bullying and violence prevention programs: A systematic review. Aaohn Journal, 58(10), 419-424.
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