Study Document
Introduction
The banking business sector is enormously impacted by the perceptive and imperceptive factors in an intensely competitive environment. In recent times, this competition has stiffened all the more with the advancement of globalization. In each regard … from past experiences. Presently, banks ought to have a profound cognizance of the need to ascertain measure, supervise and control fundamental credit risk factors (Asfaw and Veni, 2015).
In relation to existent literature, scholars have determined that the factors affecting the success of credit risk can be categorized into two groups including internal factors (micro-economic) and external factors (macro-economic). In accordance to Garr (2013), the different factors that influence credit risk can be classified into macroeconomic factors, industry-specific factors, and bank institution –specific factors.
Macro-economic factors
These are factors that have an influence on the economy of a nation as a whole and comprise of different variables including the prevailing interest rates,……
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.
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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
...Internal factors Appendix
External Analysis
1. PESTEL Analysis
1.1. Political
1.1.1.Global leaders use of social media impacts the political landscape and is able to influence operations. (C-142)
1.1.2. Several high-profile world leaders utilize social media platforms to address their followers, the most notable being U.S. President Donald Trump who tweets regularly to announce global interactions with other political leaders. They also have high interactions and reach with the global community: U.S President Donald Trump had 30.13 million twitter followers as at May 2017 and former U.S. President Barack Obama had 103 million followers as at June 2018 (C-142)
1.1.3. Depending on the political climate in various countries, governments may censor content and access to social media platforms.
1.2. Economics
1.2.1. Generated revenues through advertising, data licensing and other products. products. In 2017, total revenue generated was $2,443, 299, 000 (C-142)
1.2.2. Fluctuating exchange rates and inflation rates can affect overall profit-margins. (C-147)……
References
Thompson, Arthur A.,. (2015). Crafting and Executing Strategy: Concepts and Readings..New York: McGraw-Hill Education, (pp. 138-148)
Study Document
… into the bigger picture.” As a salient example, Seidel cites the case of a health care organization that is required to manage numerous internal issues, including facilitating collaboration among members of multidisciplinary teams, identifying optimal conflict resolution strategies, and what type of leadership is most effective in … a community health center? Or perhaps it will be some combination of all of these.” In sum, organizational behavior concerns not only the internal factors that fuel business success, it also involves external factors that can have a profound impact on its ability to compete effectively. There are also several prominent organizational theories that have been advanced … and (e) expert power (i.e., managers possess unique or specialized skills or knowledge). In other words, this organizational behavior theory focuses on the internal workings of an organization to describe the fashion in which personal and professional dynamics operate on a day-to-day basis……
References
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Jain, AK ‘Organizational Citizenship Behaviour as a Potential Source of Social Power.’ Indian Journal of Industrial Relations, 45, no. 3 (January 2010): 396-401.
Study Document
… a company. It helps to gain an understanding regarding aspects of the framework by examining the political, economic, sociological, technological, legal, and environmental factors affecting a company (Jeannet and Hennessey, 2005).
Political factors
One of the key factors affecting the company will be political stability. New York is a relatively politically stable city. Beauty will have to be located on a … have any kind of insecurity. Typically, in New York, some gangs might impact the security, stability, and operations of the retail store.
Economic factors
Economic factors that will impact the company will include the economic growth rate of both the city and the nation as a whole. This significantly … for the consumer. Third, the rate of inflation will also impact the company in terms of the price levels for the products.
Sociocultural factors
In the contemporary setting, consumer preferences are regularly changing. Therefore, Fero Beauty will……
References
Boone, L. E., & Kurtz, D. L. (2013). Contemporary marketing. Cengage learning.
Jeannet, J. P., & Hennessey, H. D. (2005). Global marketing strategies. New York: Dreamtech Press.
Menon, R. V., Sigurdsson, V., Larsen, N. M., Fagerstrøm, A., & Foxall, G. R. (2016). Consumer attention to price in social commerce: Eye-tracking patterns in retail clothing. Journal of Business Research, 69(11), 5008-5013.
Study Document
...Internal factors Company Description
Company Summary
Valiant Marketing is a new conception in marketing. Our marketing agency will be tilted toward gaining clients to work with LGBT consumers and businesses. Basically, Valiant will work towards connecting businesses in America with the LGBTQ community. Our company will work with major companies, brands, entities and government institutions in the endeavor to comprehend, reach, serve and work with the LGBTQ. By conducting extensive market research across the spectrum of this community, Valiant Marketing will provide our clientele with a profound and substantial understanding of how to realistically link with and engage with this increasing, influential, potent and diverse LGBTQ community.
Mission Statement
Vision Statement
We shall operate our business with excellence in all facets and at all times, treasure the exquisiteness and distinctiveness within the advertising and marketing industry, and we will purpose to sustain our brand name and reputation in the highest regard possible.……
References
NGLCC. (2019). About NGLCC. Retrieved from: https://www.nglcc.org/
Hill, C., & Jones, G. (2011). Essentials of strategic management. Nelson Education.
Hill, C. W., Jones, G. R., & Schilling, M. A. (2014). Strategic management: theory: an integrated approach. Cengage Learning.
Study Document
… expansion in different cultures should be consistent with measures that will allow it to achieve that ROI. The company thus needs to conduct internal analysis to see how well its resources are being inbounded, how well operations are performing in processing resources into goods or services, how ……
References
Wheelen, T. L., Hunger, J. D., Hoffman, A. N., & Bamford, C. E. (2010). Strategic management and business policy. Upper Saddle River, NJ: Prentice Hall.
Study Document
… how it will achieve those goals (Ahmed, 2019). The organization can also choose to break down its mission into more specific parts, explaining factors like its operating goals, overall performance objectives, use or allocation of resources, position in the marketplace, and more (Daft, 2013). Its mission statement … a brand identity, communicate the organization’s commitment to social justice or environmental stewardship, and to align itself with strategic partners. When external or internal crises threaten the organization, its worldview can also help……
References
Ahmed, A. (2019). Importance of mission vision in organizational strategy. The Chronicle. Retrieved from: https://smallbusiness.chron.com/ importance-mission-vision-organizational-strategy-16000.html
Daft, R.L. (2013). Organizational theory and design. Boston: Cengage.
Metcalf, T. (n.d.). Contingency theory of organization. The Chronicle. Retrieved from:
Study Document
… is analyzed and monitored departmentally within an organization, and with ERM risk is analyzed and monitored from an organizational standpoint; all the risk factors that an organization faces are interpreted from this comprehensive macro viewpoint. In traditional risk management, the focus is on pure risk and every … seek to avoid risk but rather embraces and takes risks. It does so knowing that it has strong protections in place, including: an internal rule that poses that all capital at stake must be capital that the firm can stand to lose (i.e., no over-leveraging or playing ……
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
… department in the office, one that is trained to vet incoming agents and employees and has extensive knowledge of the counterintelligence field, what factors to identify as potential triggers, and how to go about collecting a pool of potential hires. That pool of talent will be the ……
Bibliography
Counter intelligence for National Security, CIA, 1993. https://www.cia.gov/library/center-for-the-study-of-intelligence/kent-csi/vol2no4/html/v02i4a10p_0001.htm
Johnston, David and James Risen, “U.S.had evidence of espionage,” New York Times, 2001. https://www.nytimes.com/2001/02/23/us/us-had-evidence-of-espionage-but-fbi-failed-to-inspect-itself.html
National Counterintelligence Strategy of the United States of America 2016 (Strategy). https://www.dni.gov/files/NCSC/documents/Regulations/National_CI_Strategy_2016.pdf
Prunckun, Hank. 2012. Counterintelligence Theory and Practice, Lanham: Rowman&Littlefield Publishers Inc. Read the following: Chapters 8 to 14, pages 131 to 217. Appendices A to D, pages 219 to 231.
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Van Cleave, Michelle. “Strategic Counterintelligence: What Is It and What Should We Do About It ?” 2007. CIA Center for the Study of Intelligence. https://www.cia.gov/library/center-for-the-study-of-intelligence/csi-publications/csi-studies/studies/vol51no2/strategic-counterintelligence.html
Study Document
… to boost resilience include attitudinal and behavioral changes, as well as assessing the environment and reducing the frequency, number, or valence of risk factors.
Resiliency is not an inborn trait; it is learned. Among theorists of resilience, “all agree that resilience is not a special quality that …
Features of Resilience
A number of variables have been empirically linked to the quality of resilience in leaders. Ledesma (2014) found the following factors particularly relevant to resilience: “positive self-esteem, hardiness, strong coping skills, a sense of coherence, self-efficacy, optimism, strong social resources, adaptability, risk-taking, low fear … a high tolerance of uncertainty,” (p. 1). Self esteem and self-efficacy are also qualities associated with resiliency among youth, and therefore important protective factors for improving outcomes for adolescents (Zimmerman, 2013). Self-esteem and self-efficacy are also qualities that can be internal cultivated regardless of contextual variables, thereby increasing a person’s locus of control……
References
Ledesma, J. (2014). Conceptual frameworks and research models on resliience in leadership. Sage Open 4(3): https://doi.org/10.1177/2158244014545464
Moore, C. (2020). Resilience theory: What research articles in psychology teach us. Positive Psychology. Retrieved from: https://positivepsychology.com/resilience-theory/
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Van Breda, A.D. (2018). A critical review of resilience theory and its relevance for social work.
Zimmerman, M.A. (2013). Resiliency theory. Health Education Behavior 40(4)L 381-383.
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