Risk Factor Essays (Examples)
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
Introduction
The banking business sector is enormously impacted by the perceptive and imperceptive factor in an intensely competitive environment. In recent times, this competition has stiffened all the more with the advancement of globalization. In each regard … 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……
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 impacted all businesses and all industries in different ways. Grocery chains like Kroger, for … 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……
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
Risk Management And Insurance
… change over time, a diversified investment portfolio will adjust to reflect the prevailing prices of commodities and services in the economy with inflation factor in. Common stocks represent the value of companies offering goods and services in the economy and their value will generally move in the ……
References
References
Vaughan, E. J., & Vaughan, T. (2007). Fundamentals of risk and insurance. John Wiley & Sons.
Study Document
Emergency Managers And Climate Risk
… earth’s natural systems. Against this backdrop, it is clear that emergency managers face a number of significant challenges in preparing for climate change-associated risk, including most especially the need to overcome misguided and misinformed views about these potential risk to communities across the country. The purpose of this paper is to provide a review of the relevant literature to develop a timely … you enter the field, what can you highly educated individuals do to ensure that you are informed about and planning for ALL high risk hazards, climate risk included?” To this end, an examination of the current issues facing emergency managers planning for climate risk is followed by a discussion concerning some success stories in planning for climate risk as well as a description concerning how these successes were achieved. Finally, an assessment concerning how this information can be applied in a … can be applied in……
References
References
Edwards, F. L. (2011, Spring). Symposium: Preparing for climate change. The Public Manager, 40(1), 20-25.
IPCC Working Group II. (2014). Assessing and managing the risks of climate change. Retrieved from https://www.ipcc.ch/site/assets/uploads/2018/03/WGIIAR5_SPM_Top_Level_ Findings-1.pdf.
Labadie, J. R. (2011). Emergency managers confront climate change. Sustainability, 3, 1250-1264.
Leven, R. & Goldstein, Z. (2019). Kentucky is among the states blocking climate action. As weather gets more extreme, its residents — and U.S. taxpayers — are paying a price. Public Integrity. Retrieved from https://publicintegrity.org/environment/one-disaster-away/a-dangerous-disconnect-disaster-prone-states/ .
Mickus, J. (2017, June 1). A Sugar Creek chronicle: Observing climate change from a Midwestern woodland. Perspectives on Science and Christian Faith, 69(2), 110-114.
The Nature Conservancy. (2020). Pennsylvania climate solutions. Retrieved from https://www. nature.org/en-us/about-us/where-we-work/united-states/pennsylvania/stories-in-pennsylvania/pennsylvania-climate-solutions/.
Study Document
Violence Prevention Programs
… Each incidence of violence is its own unique phenomenon and must be considered on its own terms. There are going to be unique factor at play in every case, and some may be readily explained by strain theory, and some will not be. Other theories, such as … 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 … society, which is cold and unfriendly.
Thus, what makes strain theory helpful is that it provides some insight by highlighting some of the factor that can lead to violence, which in the case of strain theory would be the environmental pressures that can increase and push someone … 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.
Study Document
Using An Epidemiological Approach To Critically Analyze A Population
Introduction
Psychosocial factor. A feeling of workplace well- being serves as a key component of employee strategy. Of late, there has been considerable focus on this … summative one, encompassing physical, societal, and emotional facets within as well as external to the organization (i.e., workplace). Further, it is a key factor determining productivity – psychosocial, organizational climate, which encompasses work climate, social support, and works recognition is believed to have a significant influence on … health problems. \"Psychosocial\" elements like stress, job control, resentment, depression, and despair appear to be linked to physical wellbeing, especially heart ailment. Adverse risk profiles about psychosocial facets group with generic social disadvantage. Owing to the above, the \"psychosocial hypothesis\" puts forward the idea that psychosocial components constitute … physical ailment. It probably has the potential to promote unhealthy behaviors like smoking, or potentially directly result in neuroendocrine perturbations which impact illness risk. Here, it would……
References
References
Cladellas, R., & Castelló, A. (2011). University Professors\\\\\\\\\\\\' Stress and Perceived State of Health in Relation to Teaching Schedules. Electronic Journal of Research in Educational Psychology, 9(23), 217–240.
Eatough, E., Way, J., & Chang, C. (2012). Understanding the link between psychosocial work stressors and work-related musculoskeletal complaints. Appl Egron, 43(3), 554-63. Retrieved from https://www.ncbi.nlm.nih.gov/pubmed/21944295
Fernandes, M., & Rocha, M. (2009). Impact of the psychosocial aspects of work on the quality of life of teachers. Brazilian Journal of Psychiatry, 31(1). Retrieved from http://www.scielo.br/scielo.php?script=sci_arttext&pid=S1516-44462009000100005
Goetz, K., Berger, S., Gavartina, A., Zaroti, S., & Szecsenyi, J. (2015). How psychosocial factors affect wellbeing of practice assistants at work in general medical care? – a questionnaire survey. BMC Fam Pract, 16, 166. DOI: 10.1186/s12875-015-0366-y
Himmelfarb Health Sciences Library. (2019). Case-control study. Retrieved from https://himmelfarb.gwu.edu/tutorials/studydesign101/casecontrols.cfm
Jardim, J., & Pereira, A. (2016). Perceived impact of lifelong training in teachers. Interacções, 31(42), 22–31.
Karasek, R., Baker, D., Marxer, F., Ahlbom, A., & Theorell, T. (1981). Job decision latitude, job demands, and cardiovascular disease: a prospective study of Swedish men. Am J Public Health, 71(7), 694-705.
Kessler, R. C., Andrews, G., Colpe, L. J., Hiripi, E., Mroczek, D. K., Normand, S. L. T., … Zaslavsky, A. M. (2002). Short screening scales to monitor population prevalences and trends in non-specific psychological distress. Psychological Medicine, 32(6), 959–976. Retrieved from http://www.ncbi.nlm.nih.gov/pubmed/12214795
Study Document
Stem Cell Transplants Treat Alzheimers And Parkinsons Disease
… whole, stem cell treatment has created great hope among patients diagnosed with multiple degenerative problems and ailments; however, an in-depth assessment of likely risk and risk factor of stem cell-grounded medications is pivotal prior to its widespread approval for clinical administration. For every such medication, the likely patient risk must be appropriately assessed; moreover, distinct inherent stem cell characteristics as well as safety information already acquired about similar product kinds must be … distinct inherent stem cell characteristics as well as safety information already acquired about similar product kinds must be taken into consideration. Furthermore, external risk factor such as production, storage, handling, and therapeutic/clinical risk factor may generally contribute to patient risk. In the course of risk assessment, safety-related knowledge of similar medications based on stem cells might prove highly valuable. Established or recorded risk, established risk factor, and likely or anticipated risk ought to be taken into……
References
References
Alzheimer’s Association. (2015). 2015 Alzheimer\\\\'s disease facts and figures. Alzheimer\\\\'s & Dementia, 11(3), 332-384. doi:10.1016/j.jalz.2015.02.003.
Bali, P., Lahiri, D., Banik, A., Nehru, B., & Anand, A. (2017). Potential for Stem Cells Therapy in Alzheimer’s Disease: Do Neurotrophic Factors Play Critical Role? Current Alzheimer Research, 14(2), 208-220. doi:10.2174/1567205013666160314145347
Goodarzi, P., Aghayan, H. R., Larijani, B., Soleimani, M., Dehpour, A. R., Sahebjam, M., … Arjmand, B. (2015). Stem cell-based approach for the treatment of Parkinson\\\\'s disease. Medical journal of the Islamic Republic of Iran, 29, 168.
Herberts, C. A., Kwa, M. S., & Hermsen, H. P. (2011). Risk factors in the development of stem cell therapy. Journal of Translational Medicine, 9(1). doi:10.1186/1479-5876-9-29
Hwang, S., Gill, S., Pathak, S., & Subramanian, S. (2018, March 30). A Comparison of Stem Cell Therapies for Parkinson Disease | Published in Georgetown Medical Review. Retrieved June 11, 2019, from https://gmr.scholasticahq.com/article/3420-a-comparison-of-stem-cell-therapies-for-parkinson-disease
Railton, D. (2019, February 18). Stem cells: Therapy, controversy, and research. Retrieved June 11, 2019, from https://www.medicalnewstoday.com/articles/200904.php
The Research Journal. (2017, September 20). Alzheimer\\\\'s and Parkinson\\\\'s - the current state of research. Retrieved June 11, 2019, from https://www.pasteur.fr/en/research-journal/reports/alzheimer-s-and-parkinson-s-current-state-research
Study Document
Resilience Theory Essay
… ways to boost resilience include attitudinal and behavioral changes, as well as assessing the environment and reducing the frequency, number, or valence of risk factor.
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 factor 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 of failure, determination, perseverance, and a high tolerance of uncertainty,” (p. 1). Self esteem and self-efficacy are also qualities associated with … a high tolerance of uncertainty,” (p. 1). Self esteem and self-efficacy are also qualities associated with resiliency among youth, and therefore important protective factor for improving outcomes for adolescents (Zimmerman, 2013).……
References
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/
Shean, M. (2015). Current theories relating to resilience and young people. VicHealth. Retrieved from: https://evidenceforlearning.org.au/assets/Grant-Round-II-Resilience/Current-theories-relating-to-resilience-and-young-people.pdf
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.
Study Document
Urinary Tract Infection And Osteoporosis In Women
… enable relatively easy movement of bacteria into the bladder.
On the contrary, osteoporosis is a condition that weakens the bones and enhances the risk of unexpected and sudden fractures. Such fractures emerge because the condition results in increased loss of bone strength and mass. In most cases, … at least once. In addition, between 10%-13% of women in the United States experience a urinary tract infection each year with a lifetime risk of 50% (Eells et al., 2014). As a result, urinary tract infections among women in the United States contribute to more than 6 … conditions as well as treatment and management. Health promotion initiatives have involved health education initiatives that seek to educate women on the major risk factor for the condition, its associated complications, and prevention measures. Public health education initiatives toward prevention of osteoporosis include promoting suitable health behaviors and … Public health education initiatives……
References
References
Baars et al. (2019, February 3). The Contribution of Complementary and Alternative Medicine to Reduce Antibiotic Use: A Narrative Review of Health Concepts, Prevention, and Treatment Strategies. Evidence-based Complementary and Alternative Medicine, 1-29. doi: 10.1155/2019/5365608
Carbone et al. (2015, November). Urinary Tract Stones and Osteoporosis: Findings From the Women’s Health Initiative. Journal of Bone and Mineral Research, 30(11), 2096-2102.
Eells, S.J., Bharadwa, K., McKinnell, J.A. & Miller, L.G. (2014, January 15). Recurrent Urinary Tract Infections Among Women: Comparative Effectiveness of 5 Prevention and Management Strategies Using a Markov Chain Monte Carlo Model. Clinical Infectious Diseases, 58(2), 147-160.
Harvard Health Publishing. (2017, May). Urinary Tract Infection in Women. Retrieved from Harvard Medical School website: https://www.health.harvard.edu/a_to_z/urinary-tract-infection-in-women-a-to-z
Khadilkar, A. & Mandlik, R.M. (2015). Epidemiology and Treatment of Osteoporosis in Women: An Indian Perspective. International Journal of Women’s Health, 7, 841-850.
Tian et al. (2017, October). Prevalence of Osteoporosis and Related Lifestyle and Metabolic Factors of Postmenopausal Women and Elderl Men. Medicine, 96(43), doi: 10.1097/MD.0000000000008294
U.S. Preventive Services Task Force. (2018, June 26). Screening for Osteoporosis to Prevent Fractures – U.S. Preventive Services Task Force Recommendation Statement. JAMA, 319(24), 2521-2531.
Study Document
Gangs Formation And Functioning
… discerning differences between youngsters who decided to enter a street gang and those who didn't, in Merseyside.
Economic hardships and societal marginalization were factor that contributed to the growing rate of institutional restraint and inequality among Merseyside youth. Consequently, a large number of male youth aged between … without ambition or identity. Gaining entry into a gang, therefore, became the means of taking back control of their lives using engaging in risk offensive/delinquent conduct, as well as a means for acquiring the identity of a "bad" boy that helped them derive intrinsic pleasure and gave … them derive intrinsic pleasure and gave them a criminally seductive feeling. Young females were attracted to such bad boys, excited by the indirect risk while continuing to abide by the law.
This research work sheds light on a major and alarming socio-psychological motivator triggered by marginalization. According … sheds light on a major……
References
References
Alleyne, E., & Wood, J. L. (2013). Gang-related crime: The social, psychological, and behavioral correlates. Psychology, Crime & Law, 19(7), 611-627.
FBI, (n.d.). Gangs. Retrieved from https://www.fbi.gov/investigate/violent-crime/gangs#The-Gang%20Threat on 12 June 2020
Finelli, G. A. (2019). Slash, Shoot, Kill Gang Recruitment of Children, and the Penalties Gangs Face. Family Court Review, 57(2), 243-257.
Hesketh, R. F. (2018). A critical exploration of why some individuals with similar backgrounds do or do not become involved in deviant street groups and the potential implications for their future life choices. (Doctoral dissertation, University of Chester, United Kingdom).
Hesketh, R.F. (2019). Joining gangs: living on the edge?. Journal of Criminological Research, Policy and Practice, Vol. 5 No. 4; 280-294.
Higginson, A., Benier, K., Shenderovich, Y., Bedford, L., Mazerolle, L., & Murray, J. (2018). Factors associated with youth gang membership in low?and middle?income countries: a systematic review. Campbell Systematic Reviews, 14(1), 1-128.
Howell, J. C. (2010). Gang Prevention: An Overview of Research and Programs. Juvenile Justice Bulletin. Office of Juvenile Justice and Delinquency Prevention.
Klein, M.W. (1995). The American street gang: Its nature, prevalence, and control. New York: Oxford University Press.
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