Loan Essays (Examples)

Study Document

Enterprise Risk Management In Wells Fargo During The Pandemic

Pages: 15 (4587 words) Sources: 15 Document Type:Essay Document #:32848070

… large corporations have filed for bankruptcy. All of this impacts the banking sector and 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 … industry in the past has been associated with mortgage backed securities and collateralized debt obligations and credit default swaps. The risk of writing loans to high-risk home buyers was mitigated so long as the loans could be bundled and sold to investors: that was the idea that helped fuel the home buying spree leading up to the 2008 … that helped fuel the home buying spree leading up to the 2008 global economic crisis. The bubble burst when creditors began defaulting on loans and the price of credit default swaps skyrocketed. Moral hazard came back to bite a number of high-profile……

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

The Rising Cost Of Public Education In United States

Pages: 7 (2143 words) Sources: 13 Document Type:Essay Document #:91796938

… fall in student enrollments and graduation rates along with late buying of new homes and planning for marriages by young adults sue to loan paybacks. The most effective method to solve this problem are to cut down or eliminate federal funding for education and hiring of part-time … entered students. Moreover, administrative costs, such as hiring part-time or full-time professors and their salaries, rise as well.
When the government keeps adding loans for the educational institutions without deep investigations of the students and their families for the ability to repay their loans afterwards, the loans and debt burden is increased on the governments and the educational institutions both if the family comes out to be defaulter ( Mitchell, … the student has received his graduate degree from an expensive high-grade university (Honu). He will then be more apt to return his student loan to the university from his earnings……

References

Works Cited

Amour, Madeline. “Report: living expenses, not tuition, are the problem.” Inside Higher Ed, 13 May 2020,  https://www.insidehighered.com/news/2020/05/13/living-expenses-are-larger-  barrier-students-tuition-report-finds. Accessed 30 Jul. 2020.

Cude, Katherine. The Rising Cost Of Tuition At Four Year Public Universities: A Comparison Of The Explanations Offered By The Academic Literature And University Decision Makers. 2016. University of Vermont, Undergraduate theses. Scholar Works, https://scholarworks.uvm.edu/cgi/viewcontent.cgi?article=1027&context=castheses

Davidson, Adam. “Is College Tuition Really Too High?” The New York Times Magazine, 8 Sep. 2015,  https://www.nytimes.com/2015/09/13/magazine/is-college-tuition-too-high.html . Accessed 30 Jul. 2020.

Desrochers, Donna, and Kirshstein, Rita. Labor Intensive or Labor Expensive? 2014. American Institutes for Research, Delta Cost Project. Lumina Foundation, https://www.luminafoundation.org/files/resources/deltacostair-labor-expensive-higher- education-staffing-brief-feb2014.pdf

Dickler, Jessica. “Why College Tuition Keeps Rising.” CNBC, 24 Oct. 2019, https://www.cnbc.com/2019/10/24/why-college-tuition-keeps-rising.html, Accessed 30 Jul. 2020.

Hemelt, Steven, and Marcotte, Dave. Rising Tuition And Enrollment In Public Higher Education. 2008. IZA, Discussion Paper. IZA,  http://ftp.iza.org/dp3827.pdf 

Hemelt, Steven, and Marcotte, Dave. “The Impact of Tuition Increases on Enrollment at Public Colleges and Universities.” Educational Evaluation and Policy Analysis, vol. 33, no. 4, Dec. 2011, pp. 435-457.

Hess, Abigail. “The Cost of College Increased by More Than 25% In the Last 10 Years- Here’s Why.” CNBC, 13 Dec. 2019, https://www.cnbc.com/2019/12/13/cost-of-college- increased-by-more-than-25percent-in-the-last-10-years.html. Accessed 30 Jul. 2020.

Study Document

Financial Planning

Pages: 6 (1896 words) Sources: 2 Document Type:Case Study Document #:56724567

… Retirement Planning
It is very important for Howe to pay all their debts and free themselves of the liability since a lot of loan like credit card loan, car loan, student loan, are hampering Howes to save up more. If they have plans for retiring in 22 years, they need to free themselves of all … hampering Howes to save up more. If they have plans for retiring in 22 years, they need to free themselves of all the loans and credit they have on them, thus saving up the interest money that goes out monthly. They can use that money for other … future. There will be one more debt addition because of Pat’s college education, so it’s better they slowly focus on paying off the loans first and then proceed to making progress with the savings once the loan of Pat is also paid off. Since the……

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

Understanding The Factors Affecting The Success Of Credit Risk In

Pages: 11 (3237 words) Sources: 15 Document Type:Research Paper Document #:41178734

… consented terms and conditions. In general, credit risk is linked to conventional lending activities of banking institutions and it basically delineated as a loan that has not repaid either partly or in full. Nonetheless, credit risk can also emanate from a financial establishment holding bonds and other … a financial establishment holding bonds and other financial securities. Imperatively, all banking institutions have their personal credit philosophy instituted in an official written loan policy that must be backed and conveyed with a suitable credit philosophy. A credit philosophy is deemed to be effective when all employees … employ a credit risk assessment instrument that facilitates the estimation of the likelihood that the prospective borrowers will end up defaulting in their loan obligations. In the course of this process, the analysis of credit risk is purpose to curtail the potential loss to the acceptable levels … of exposure of the banks……

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

Business Proposal For Coffee Shop And Restaurants

Pages: 9 (2844 words) Sources: 6 Document Type:Business Plan Document #:19528813

...Loan Business Proposal for Coffee Shop & Restaurants: The Madam Walker Theatre
History and Why the Business Fits
My business proposal is to start (re-start) the coffee-shop/restaurant that once existed in Walker Theatre (it was then named “The Coffee Pot”). The Madam Walker Theatre was named after Madam C. J. Sarah Breedlove Walker, an African-American entrepreneur who specialized in hair care and beauty products that were manufactured and sold in the building that now serves as her namesake. She developed and initiated plans for the building to be built and after her death in 1919 the completion of the project fell to her daughter A’Leila Walker. The building opened in 1927 and served as both the headquarters for the Madam C. J. Walker Manufacturing Company—one of the biggest and brightest examples of African-American ingenuity and industry in the 20th century (National Park Service, 2019)—and as an entertainment theatre for the African……

References

References

Benedict-Browne, T. (2019). The Icon of Indiana Avenue. Retrieved from  http://nomeancity.com/walker-theater 

Evans, D. (2010). Social media marketing: An hour a day. John Wiley & Sons.

Hobbs, J. (2017). 15 of Africa's favorite dishes. Retrieved from https://www.cnn.com/travel/article/africa-food dishes/index.html#targetText=Pap%20en%20vleis%2FShisa%20nyama%2C%20South%20Africa&targetText=Chops%2C%20steak%2C%20chicken%2C%20kebabs,and%20suurpap%20(soured%20pap).

Madam Walker Legacy Center. (2019). Retrieved from  https://madamwalkerlegacycenter.com/ 

National Park Service. (2019). Madame C. J. Walker Building. Retrieved from  https://www.nps.gov/nr/travel/indianapolis/walkerbuilding.html 

Trout, J. & Rivkin, S. (2006). Differentiate or die. In The marketing Gurus (ed. Murray). NY: Penguin.

Study Document

Veteran Benefits Administration

Pages: 8 (2549 words) Sources: 6 Document Type:Research Paper Document #:40459915

… various kinds of assistance include compensation and pension pay, rehabilitation assistance, support with finding employment, assistance with furthering educational opportunities, obtaining a home loan, and obtaining life insurance. The VBA was set up to facilitate the VA in its mission to care for soldiers and the families … to veterans; 3) it supports them in pursuing educational opportunities; 4) assists them in finding employment, and 5) helps them in getting a loan to buy a house. Work, family, education, and financial stability are the areas of social need that the VBA specializes in for veterans.
… programs, partnerships, web communications, and training opportunities. This includes rehabilitation opportunities, independent living services, and vocational counseling services.
Fifth, the VBA oversees home loans for veterans so that they can obtain a house at an affordable rate with no money down.
External Support the Organization Relies On
……

References

References

Cohen, S. (2019). Disband the Veterans Administration. Retrieved from  https://www.city-journal.org/veterans-administration-benefits 

Faurer, J., Rogers-Brodersen, A., & Bailie, P. (2014). Managing the re-employment of military veterans through the Transition Assistance Program (TAP). Journal of Business & Economics Research (Online), 12(1), 55.

Hazle, M., Wilcox, S. L., & Hassan, A. M. (2012). Helping veterans and their families fight on!. Advances in Social Work, 13(1), 229-242.

Panangala, S. (2018). Department of Veterans Affairs FY2018 Appropriations. Retrieved from  https://fas.org/sgp/crs/misc/R45047.pdf 

U.S. Department of Veterans Affairs. (2014). Retrieved from  https://www.benefits.va.gov/BENEFITS/about.a sp" target="_blank" REL="NOFOLLOW">

Study Document

The Government S Economic Policies Effect Good Or Bad Economy

Pages: 4 (1226 words) Sources: 5 Document Type:Essay Document #:48706943

… the Federal Reserve dropped its target for the federal funds rate to zero percent (Labonte, 2020). The Fed's also created special forms of loans to banks and other financial institutions. These actions were successful as the recession ended in 2009. However, the economy is still recovering slowly. ……

References

References

Federal Reserve. (2020, March 15). Federal open market committee. Retrieved March 30, 2020, from  https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm 

Labonte, M. (2020). Monetary policy and the Federal Reserve: Current policy and conditions (RL30354). Retrieved from Congressional Research Service website:  https://fas.org/sgp/crs/misc/RL30354.pdf 

Madimutsa, C. (2008). The Policy Formulation Process. Retrieved from  https://www.researchgate.net/publication/336927323_The_Policy_Formulation_Proce ss

McGraw-Hill Education. (n.d.). The role of government. Retrieved from  https://www.jasonsclassroom.com/social-studies/cc-basics/chapter-5/lesson-5.3/ 

Suman, S. (2015, October 26). Monetary policy: Objectives, advantages, and disadvantages. Retrieved from  https://www.economicsdiscussion.net/monetary-policy/advantages/monetary-policy-objectives-advantages-and-disadvantages/12768 

Study Document

Federal Reserve Operations And Market Impact

Pages: 4 (1239 words) Sources: 4 Document Type:Essay Document #:28039044

...Loan What tools are used by the Federal Reserve to implement monetary policy?
Monetary policy refers to the actions undertaken by the Federal Reserve, which is the central bank, to control credit and its flow within the United States economy. Significantly, what occurs with money and credit influences interest rates and also the performance of the nation’s economy as a whole (Federal Reserve Education, n.d).
The Federal Reserve presently utilizes numerous tools in the implementation of monetary policy about its statutory obligation to nurture maximum employment and stability in prices. The following are the tools:
1. Open market operations (OMO)
The Fed carries out OMO in domestic markets. The terminology open market implies that the Federal Reserve does not decide on its own concerning the kind of securities dealers it will carry out business with on a certain day. Instead, this choice emanates from an open market whereby the different securities……

References

References

Brandl, M. (2020). Money, banking, financial markets & institutions. New York: Cengage Learning.

Federal Reserve Education. (n.d). Monetary Policy Basics. Retrieved from:  https://www.federalreserveeducation.org/about-the-fed/structure-and-functions/monetary-policy 

Federal Reserve. (2017). Monetary Policy Tools. Retrieved from:  https://www.federalreserve.gov/monetarypolicy/bsd-monetary-policy-tools-201711.htm 

Lumen Learning. (n.d). Macroeconomics: How a Central Bank Executes Monetary Policy. Retrieved from:  https://courses.lumenlearning.com/suny-macroeconomics/chapter/tools-of-monetary-policy/ 

Study Document

Taxation IRAs 401Ks And The IRS

Pages: 4 (1106 words) Sources: 1 Document Type:Essay Document #:25862710

… are built for small business that might struggle with the more complex regular 401K plan. But one of the biggest differences is whether loans are allowed. In a simple 401K, loans are allowed and in a simple IRA they are not. The merits of an employee being able to borrow from their retirement assets … then the simple 401K might make more sense because it would allow them to offer a plan that has the ability to take loans, something that might appeal to employees who are looking to buy homes or who have sudden high medical bills and need to avail ……

References

References

Appleby, D. (2019) Simple IRA vs Simple 401K: What’s the difference? Investopedia. Retrieved April 2, 2020 from  https://www.investopedia.com/articles/retirement/04/060904.asp 

IRS.gov (2020) Retirement topics – IRA contribution limits. Internal Revenue Service. Retrieved April 2, 2020 from  https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits 

IRS.gov (2020) Contribution and deduction limits. Internal Revenue Service. Retrieved April 2, 2020 from  https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work 

Study Document

Veteran Benefits Administration

Pages: 8 (2465 words) Sources: 3 Document Type:Implementation Paper Document #:56829115

… this end, some of the main programs that VBA administers include, but they are not limited to; pension and compensation, rehabilitation and employment, loan guaranty, and insurance. In the year 2016, the National Archives and Records Administration (2016) released a records management inspection report which was categorical ……

References

References

Aziz, A.A., Mohammad Y., Mokhtar, U.A. & Ambari, D.I. (2017). Establishing Policy for the Implementation of Electronic Document and Records Management System in Public Sector in Malaysia: The Influencing Factors. Advanced Science Letters, 23(11), 10732-10736.

National Archives and Records Administration (2016). Department of Veterans Affairs Records Management Program: Records Management Inspection Report. Retrieved from  https://www.archives.gov/files/records-mgmt/pdf/va-2016-inspection.pdf 

U.S. Department of Veteran Affairs (2020). About VBA. Retrieved from  https://www.benefits.va.gov/BENEFITS/about.a sp" target="_blank" REL="NOFOLLOW">

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