Executive Report Sample

You can use this workbook for analyzing many companies and saving your analysis for each one, like many professionals. Just like them, over time, you can compare a company’s actual performance to your analysis and predictions. Saving your analysis sheets can help sharpen you analytical skills.

The world is full of financial hardship, and American society possesses a great deal of controversy concerning lending. Unfortunately, short term lending, such as payday loans or title loans, creates a structural void within American society. According to Wikipedia, “Structural inequality is defined as a condition where one category of people are attributed an unequal status in relation to other categories of people” (wilipedia.com). When working class Americans apply for a payday, the unequal status between upper and middle class possess a bigger separation financially. The never-ending process of a short term financial fix becomes lifelong debt. Thus, middle class society becomes lower class society. Eventually, working class society will struggle to say above the poverty line. In addition to an imbalance in society classes, short term lending targets consumers who life paycheck to paycheck. In Rigging the Game by Michael Schwalbe, the author explains the reproduction of inequalities. Schwalbe discusses the different kinds of capitals human, social, and cultural (10). The three capitals unknowingly shape Americans social system. Many businesses capitalize on these capitals knowing no laws or regulation exists to stop them from capitalizing on individuals who no faults of their own were born into these unfair capitals. As a result, short term lenders possess the ability to have extremely high interest rates and outrageous fine print penalties because there is little

There are serious pockets of child poverty at a local level: in 100 local wards across the UK

In the UK, particularly in England and Wales, children’s life chances are determined by the economic status of the families into which they are a part of. Children from poor households are more likely to suffer the consequences of their families’ condition. They will have to endure the stigma of poverty in a profoundly lopsided society where the socioeconomic standing of individuals is determined by their capacity to buy. These poor children also have less access to quality educational opportunities (Welbourne, 2012). Furthermore, children living in poverty at present are likely to remain poor for the rest of their lives because of intergenerational cycles of poverty

I am interested in holding an executive board position because I’ve always been passionate about healthcare and having a role in ensuring that people that look like me (minorities) are represented in healthcare fields. I believe that MAPS is doing a great job providing underrepresented pre-health students with knowledge, skills and experiences that are both prerequisite to and concomitant to professional participation in health care fields, therefore I would like to be apart of continuing such greatness. I know that I can contribute more to the organization by becoming a leader in it. Like most pre-med students I am organized, dependable, and committed. However, what sets me apart

The target population includes men and women greater than age 18. Although heart related issues such as cardiovascular disease and CHF most commonly affect persons greater than 65 and estimated 1% of the population can be stricken with disease as early as age 18. Often times drugs may be a factor as well as genetics (Heart, 2013). It is imperative all persons presenting to the ER with chest pain or other heart related issues be cleared for any possible life threating cardiac events.

An article by Hamilton (2012) highlights that because of the stigma associated with being poor and the fear of judgement, some people will spend money on things that are not considered to be essential. For example, several people came forward and described that they did not want their children to be teased or bullied for being different, so they made sure to buy them fashionable clothing items so they would not feel ostracized by their peers. This makes budgeting difficult, and as a result makes it harder to get out of poverty, but a popular reaction to this problem is to blame the parents for wasting money instead of budgeting ‘correctly’. However, families that did attempt to budget and save money were not automatically on their way out of poverty, and depending on their situation, some households still had to choose between paying rent or buying food. This further highlights that households are incredibly varied, so it is unfair to assume that what works for one household works for all of them. Furthermore, research has also found that people are often ashamed of claiming benefits or asking for support, to the point where they try to cope without it for as long as possible (Shildrick et al, 2010). For example, in a documentary called ‘Breadline Kids’ (True Vision, 2014), one woman and her granddaughter had gotten to the point where they could not afford food, but going to the foodbank felt like they were ‘giving up’. This does not fit with May’s claim that “too many people” preferred being dependent on benefits, and shows that the social connotations associated with poverty and needing benefits also affect how different households cope with their

Poverty is an ever increasing issue in the UK and is perceived as a major social problem due to the consequences that it brings with it .The term ‘social problem’ refers

Low interest loans from non traditional credit providers do exist, many of these are provided by non-for-profit groups. “Six hundred and fifty services nationwide offer no- or low- interest loans through Good Shepherd Microfinance.” (Stephen Long, 2015) Microfinance is a term for financial services targeted to people on low incomes, welfare or otherwise financially excluded and can not obtain traditional loans. They provide a service that is basically the same as pay day loans but without the high interest or short term time frames. The Australian government has a duty to protect vulnerable people from pay day lending, they need to finance programs of Microfinance like Good Shepard who “have reached more than 170,000 people previously excluded from mainstream banking access to loans and savings, with repayment rates consistently above 95%.” (Good Shepard, 2015) If the government can effectively implement government-run alternative credit providers, and step in and finance the already successful programs like Good Shepard, as well as making these alternative services known and accessible to consumers this will greatly reduce the harm pay day lending can cause. An education campaign to accompany the new alternate credit options would also help consumers better understand how pay day loans work and therefore make them aware of the risks they are taking when using the high interest services. However, most of the 1 million Australians using pay day loans are fully aware of how exploitative the industry is, but it is still the most rational or only option they have to obtain money when they are desperate. This is not only deeply concerning because it indicates how many people in our society are financially insecure, but is a clear sign that stricter regulation is not going to solve the problem unless consumers have alternate

In both developing and emerging economies, microfinance has vastly and increasingly been seen as one of the most important means for enhancing the lives of the poor and therefore a major tool for economic and social development mostly in rural areas. Lately, contrary to this widespread belief, critics have raised eyebrows against this growing popularity of microfinance as a major tool for enhancing economic development. Contrary to belief, they are of the opinion that microfinance is a ‘make-belief’ that is hindering economic and social development rather than enhancing it.

We need to take into consideration that income will not always reflect the extent to which a family can afford necessities. So when measuring and accessing whether someone lives in poverty we need to take into account both low income and material deprivation. This is because an individual may not fall below the poverty line, but lacks the basic necessities for everyday life and this needs to be acknowledged as it is an important factor contributing to a good quality of life. But as we know in this context, household income is measured after the effect of taxes and benefits (i.e., disposable income) and is equalized to adjust for differences in household size and composition, (McGuiness, 2017). We know this is a good concept as it is intended to account for the fact that a large household will need a higher level of income to have the same standard of living as a smaller household. Income can be measured before or after housing costs are deducted (BHC or AHC). Its suggested that poverty levels tend to be higher based on income measured after housing costs, because poorer households tend to spend higher proportion of their income on housing.

Unit 1 ‘Do I Make Money or Does Money Make Me?’ includes two readings titled 1. ‘Moneygrams: Recalled Childhood Memories about Money and Adult Money Pathology’ by Adrian Furnham, Ph.D, Sophie von Stumm, Ph.D. and Rebecca Milner, BSc.Hons. The second reading is titled, ‘Poverty and Mental Health: A Quantitative Study of Residential Care Facility Tenants’ by Robert D Wilson Ph.D. The main reading in this unit that actively demonstrates the power that money has on an individual’s overall life evaluation is ‘Poverty and Mental Health: A Quantitative Study of Residential Care Facility Tenants. ‘Poverty has grave implications for people’s health, education, social relations and social inclusion. This reading focuses on the

I just wanted to email you and see if it is at all possible that quiz four could be reopened for the two Sunday sessions? I was under the impression that it would be offered this Sunday since there were not any Sunday sessions last week, similar to what was done the first week of school. I ask this because it is hard to make it to sessions during the weekday nights, and the individuals who usually attend Sunday sessions may have also missed EC quiz four.

In recent times we have seen the income distribution in many developed nations expand, meaning that the gap between rich and poor has grown. Coupled with this is the resultant degradation of economic and social mobility. This serves to show that they there is a tendency for those that are poor, to remain poor. There are a number of causal factors that seemingly predicate this fate of a poverty cycle. The issues that contribute to this range from the education and wellbeing of the individual, societal influences and values, their spending habits, their living conditions as well as their ability to access funding as a means of fuelling entrepreneurial endeavours.

The generation of self-employment in non-farm activities requires investment in working capital. However, at low levels of income, the accumulation of such capital may be difficult. Under such circumstances, loans, by increasing family income, can help the poor to accumulate their own capital and invest in employment-generating activities (Hossain, 1988). Commercial banks and other formal institutions fail to cater for the credit needs of smallholders, however, mainly due to their lending terms and conditions. It is generally the rules and regulations of the formal financial institutions that have created the myth that the poor are not bankable, and since they can’t afford the required collateral, they are considered uncreditworthy (Adera, 1995). Hence despite efforts to overcome the widespread lack of financial services, especially among smallholders in developing countries, and the expansion of credit in the rural areas of these countries, the majority still have only limited access to bank services to support their private initiatives (Braverman and Guasch, 1986). In the recent past, there has been an increased tendency to fund credit programmes in the developing countries aimed at small-scale enterprises. In Kenya, despite emphasis on increasing the availability of credit to small and microenterprises (SMEs), access to credit by such enterprises remains one of the major constraints they face. A 1995 survey of small and