Open Access. Powered by Scholars. Published by Universities.®
- Keyword
-
- Finance (5)
- Investing (5)
- Poverty (4)
- Entrepreneurship (3)
- Banking (2)
-
- Behavioral Finance (2)
- Business (2)
- CSR (2)
- Economics (2)
- Financial planning (2)
- Fraud (2)
- Micro-loans (2)
- Microcredit (2)
- Nonprofit (2)
- Technology (2)
- Accountability Metrics (1)
- Adjusted Gross Income (1)
- Advancement (1)
- Aligning Interests (1)
- Altcoin (1)
- Architecture (1)
- Asia (1)
- Athletes (1)
- Audit (1)
- Audits (1)
- Austrian Business Cycle (1)
- Baseball (1)
- Behavioral economics (1)
- Biblical finances (1)
- Bitcoin (1)
Articles 1 - 30 of 31
Full-Text Articles in Business
The Effects Of Covid-19 On The Mobile Payment Banking System, Sydney Mason
The Effects Of Covid-19 On The Mobile Payment Banking System, Sydney Mason
Senior Honors Theses
This study includes an examination of the effect of the Coronavirus (COVID-19) pandemic on electronic payment apps. Ever since the pandemic caused a global shutdown, the banking industry was forced to adjust their usual operations and adopt new technological advancements that would allow for contactless payment. Consumers, worried about contracting the virus through the physical exchange of currency, resorted to utilizing payment apps. This contributed to the increase in electronic payment usage. This research addresses the effect of COVID-19 on three different electronic payment apps, Venmo, PayPal, and Zelle. A comparative longitudinal analysis shows the increase in total transactions from …
From Space To Ground Zero: The Application Of Geographic Information Systems And Rocket Cargo Transportation To Disaster Management Operations, Sarah Stout
Senior Honors Theses
This paper provides an overview of the application of space-based technologies, specifically Geographic Information Systems (GIS) technology and rocket cargo launches, to disaster management operations. GIS links data from satellites, remote sensing, and other sources to dashboards, allowing relief teams to monitor relevant demographic, environmental, and disaster details. This information supports multiple aspects of planning and decision-making in the preparedness, response, and relief stages of the disaster management cycle. Rocket cargo transportation, an emerging method of shipping supplies, will allow for supplies to be shipped anywhere in the world in under twenty-four hours. This can be used in a future …
Fringe Lending: The Case For A National Minimum Standard, Don Loos
Fringe Lending: The Case For A National Minimum Standard, Don Loos
Senior Honors Theses
In the American financial sector, the liberalization of usury laws and legal complexity has allowed for controversial fringe financial products to become widely available. Payday loans, car title loans, and short-term, high-interest installment loans, also referred to as fringe loans, have often been classified as “predatory” and unconscionable. The central question in this controversy is whether increased regulation of fringe loans, or their complete prohibition, is effective to protect consumers from a harmful cycle of debt, or whether regulation will cause more harm than good. Since state legislation is ineffective to limit the negative externalities associated with fringe loans, a …
The Impact Of Government Subsidies On Ev Manufacturers, Connor Quinton
The Impact Of Government Subsidies On Ev Manufacturers, Connor Quinton
Senior Honors Theses
Government subsidies play a pivotal role in shaping the landscape of the electric vehicle (EV) industry in the United States. This research delves into the relationship between government support and the financial performance of EV manufacturers. This research aims to examine financial statements and market data to analyze the impact of government subsidies and incentives influence the revenue of EV manufacturers to provide a comprehensive understanding of the economic aspects of these policies on both individual companies and the EV sector as a whole. Beyond the financial aspects, this study will also address the ethical considerations associated with government support …
Tracking The Donor Dollar: A Critical Examination Of Ngo Impact, Joshua Werth
Tracking The Donor Dollar: A Critical Examination Of Ngo Impact, Joshua Werth
Senior Honors Theses
Non-governmental organizations (NGOs) comprise the backbone of civilization. Whether intended or not, governments fail to improve social situations, financial standings, and spirituality comprehensively. NGOs attempt to cover these areas. From Angola to Zambia, countless NGOs exist around the world; however, many fail due to a misplaced focus internally on the annual donations received rather than externally on the disenfranchised. Additionally, even if NGOs manage to stay afloat, they will need help procuring funds and then distributing those resources with the most effective impact for the impoverished. The honors thesis proposed will attempt to determine more effective impact measurements for NGOs, …
Sports Leagues And Organizations’ Financial Recovery From The Covid-19 Pandemic, Matthew Quackenbos
Sports Leagues And Organizations’ Financial Recovery From The Covid-19 Pandemic, Matthew Quackenbos
Senior Honors Theses
The COVID-19 pandemic in 2020 caused a global shutdown that immediately stopped all revenue of hosting sporting events for sports leagues. This resulted in a financial struggle for these leagues and organizations that they had to work to overcome. Using public access to financial statements and records, this report examines the financial impact of the COVID-19 pandemic on sports leagues and organizations and how they were able to recover in the years following the pandemic.
Analyzing The Value, Function, And Regulation Of Cryptocurrency, Joshua Ide
Analyzing The Value, Function, And Regulation Of Cryptocurrency, Joshua Ide
Senior Honors Theses
Cryptocurrency is an emerging asset in the financial field designed to act as an alternative medium of exchange to fiat currency. The researcher explores the value, function, and regulation of cryptocurrency to explain the complex system and provide insight into the asset’s prospects. The conclusion indicates that cryptocurrency has a wide variety of uses beyond traditional currency transactions. It also indicates that the recent downturn in the cryptocurrency market is correlated to the drop in the stock market that began in 2021 and is prolonged by economists’ fears of a recession in 2023. Future research should monitor whether the cryptocurrency …
The Impact Of Different Worldviews On The Financial Planning Process, Luke Osterhus
The Impact Of Different Worldviews On The Financial Planning Process, Luke Osterhus
Senior Honors Theses
An individual's worldview has an effect on all aspects of their life. Worldview affects the decisions people make, the clothes they wear, the people they interact with, and so much more. What is often overlooked is the impact of worldview on one's view and use of money. Money is universal and everyone has some form of currency or assets. However, the way money is used, whether it is saved, spent, or invested, is often determined by an individual's own concept of money. Additionally, relationships between people are often chosen or influenced by an individual's worldview. Human beings are seen differently …
Effects Of Esg Investing On Returns, Hank De Roover
Effects Of Esg Investing On Returns, Hank De Roover
Senior Honors Theses
Countless researchers have sought to find out if there is a positive correlation between Environmental, Societal, and Governance (ESG) investing and returns that beat the market over the past few decades. To analyze what ESG investing is, the history of the practice, and if there can be any conclusion drawn between ESG investing and returns. A deeper understanding of what goes into returns, including modern portfolio theory, will uncover that ESG securities cannot be efficiently placed on the efficient frontier. Risk associated with ESG stocks cannot only be tied directly to beta, but also to external qualitative forces that make …
Transcendent Financial Planning, Joseph Daughtry
Transcendent Financial Planning, Joseph Daughtry
Senior Honors Theses
Financial planning is a broad discipline that involves many different categories of work. Professionally, the goal of financial planning is to help a client invest according to his/her personal needs in such a way that minimizes risk. From a Christian perspective, financial planning is about stewarding what God has given. Combining these perspectives means helping a client invest their finances in such a way that minimizes risk and accomplishes the goals of God. While simply stated, this is a complex and profound topic. To bring greater clarity, financial planning can be broken down into categories, four of which are retirement …
Impact Of Risk Perception And Risk Tolerance On Investment Portfolio Decisions, Claire Covey
Impact Of Risk Perception And Risk Tolerance On Investment Portfolio Decisions, Claire Covey
Senior Honors Theses
Average individual investor returns drastically underperform standard investment benchmarks, with common attributing factors including relying on instincts and overconfidence in trading ability. Neural processing, financial risk, risk perception, and risk tolerance literature show how instinctual reactions form and how those reactions affect risk decision-making under the Prospect theory. Examining the effect of neural processing and risk framing on subjective risk perception allows a measurement of the indirect impact on risk tolerance. The stable factors of risk tolerance directly impact investment risk decisions. There are implications of accurately assessing risk tolerance in a client/advisor relationship. Advisor application of a proper risk …
Bitcoin As A Viable Alternative To Legacy Reserve Assets: Reasons, Risks, And Adoption, Jeffry Blake Dunson Ii
Bitcoin As A Viable Alternative To Legacy Reserve Assets: Reasons, Risks, And Adoption, Jeffry Blake Dunson Ii
Senior Honors Theses
Reserve assets include commodities, currencies, or other capital held by institutions as a hedge against the fluctuations of external factors. While the United States’ rise to power helped establish the US dollar as the most predominant reserve asset of the past fifty years, current events & the fast pace of technological advancement has exposed some limitations in the system. Blockchain technology has allowed for assets with cryptographically verifiable integrity that fundamentally depart from the US dollar standard and has potential to overhaul reserve assets as we know it. The course of this research details the downsides of legacy reserve assets, …
How Technology Impacts The Financial Planning Profession, Allison Conway
How Technology Impacts The Financial Planning Profession, Allison Conway
Senior Honors Theses
Technology impacts the financial planning field in a distinct way and will continue to change the nature of the industry in the future. Financial planners commonly use various types of technology to improve their service and product quality. This paper will discuss several of these current technologies used by most financial planners, as well as technology that is available today that could be applied to the profession, threats to the field that technology presents such as data security, and future technologies that might have significant implications for planners. It is in the best interest of both client and planner to …
Behavioral Finance For The Individual Investor, Drake Gens
Behavioral Finance For The Individual Investor, Drake Gens
Senior Honors Theses
The Efficient Market Hypothesis (EMH) has been generally accepted in academia despite its well-researched flaws; by understanding how and when markets deviate from efficiency, investors have an opportunity to not only better understand their investing habits, but also possibly generate higher investment returns. Various market anomalies, such as the Value Effect (De Bondt & Thaler, 1985), the Monday Effect (French, 1980), and the January Effect (De Bondt and Thaler, 1958 & 1987), attest to the fact that markets experience periods of deviation from efficiency. Fiévet and Sornette (2016) finding that markets experience inefficiency during periods of significant volatility is confirmed …
The Power Of Investing To Alleviate Poverty, Zachary Sicher
The Power Of Investing To Alleviate Poverty, Zachary Sicher
Senior Honors Theses
Hundreds of millions of people across the world are affected by extreme poverty each day. At the same time, investing has generated more wealth than anything in the history of the world. Because of the great success of investing in generating wealth, there must be a way for investing to be used to assist in the alleviation of poverty. To examine this possibility, one must consider the root causes of poverty, the reasons for the success of investing, and how poverty is currently being alleviated, to effectively develop a way for investing to be used to help alleviate poverty.
Small Business, Big Change: How Start-Ups Positively Affect The Community Around Them, Kaylee Spears
Small Business, Big Change: How Start-Ups Positively Affect The Community Around Them, Kaylee Spears
Senior Honors Theses
Usual measures of success refer commonly to financial means. In a world where success is synonymous with money, small businesses may appear to fall short of the standard. However, these measures do not comprehensively translate to small, family, or start-up companies. Incorrect measurements of success can skew the data when it comes to start-ups and family businesses, but new standards can bring to light just how large an impact small business can make. This thesis seeks to identify better ways to measure success for small businesses through non-financial means, research current examples for relevance, and provide insight for start-ups on …
Payroll Disparity Among Major League Baseball Teams: Building A Competitive Team Despite Limited Resources, Sarah Holtschneider
Payroll Disparity Among Major League Baseball Teams: Building A Competitive Team Despite Limited Resources, Sarah Holtschneider
Senior Honors Theses
There has been an inequality in payroll among Major League Baseball teams for many years that became increasingly evident in the late 1990s. Revenue disparities among teams cause a competitive imbalance for the league and make it harder for small-market teams to compete with large-market teams with much higher payrolls. MLB has attempted to alleviate this disparity, but the implementation of revenue sharing and the competitive balance tax alone is not enough for small-market clubs to build a competitive team. There are a number of ways that small-market clubs can build a competitive team despite limited resources, including employing the …
Success Through Scripture: Redefining Success From A Biblical Perspective, Bobbi Jo Dallas
Success Through Scripture: Redefining Success From A Biblical Perspective, Bobbi Jo Dallas
Senior Honors Theses
The purpose of this thesis is to reveal how an intimate relationship with God can bring internal and external success. The research will demonstrate that success from a relativistic society does not always produce overall success. Through a secular approach, success is defined differently by each human being and formed by his or her own perception of the subject. However, through a biblical worldview approach, one can achieve internal and external success brought about by a relationship with God. First, the research will recognize a few of the many man-made theories of success and analyze the different components that are …
Funding A Feature: Creating A Film Business Plan, Jordan C. Hunt
Funding A Feature: Creating A Film Business Plan, Jordan C. Hunt
Senior Honors Theses
Every film, from the smallest indie to the biggest studio blockbuster, must be funded, and all investors who finance a movie expect that the movie will give them a return on their investment. In order to seek funding, many filmmakers create a business plan to present to potential investors. Beginning with the film industry as a whole, this paper will define a specific target audience and distribution plan for one film in order to create a business plan. The film, titled Intertwined, is an independent low budget family drama that will primarily raise funds through equity investors. This is …
Microfinance: Combating World Poverty One Small Business At A Time, Alison Basney
Microfinance: Combating World Poverty One Small Business At A Time, Alison Basney
Senior Honors Theses
Poverty is a major problem that reaches millions of people around the world. Although many organizations and individuals work daily to combat this, much of the work done to reduce poverty lacks sustainability and serves only to remedy to the effects of poverty, rather than create a solution to the causes of poverty. Microfinance can be very basically defined as the provision of banking to the impoverished who would not otherwise have access to these services. This purpose of this thesis is to show that microfinance is the ideal solution to the poverty problem by using research and evidence from …
Behavioral Finance And Its Impact On Investing, Jordan Fieger
Behavioral Finance And Its Impact On Investing, Jordan Fieger
Senior Honors Theses
The field of behavioral finance has seen incredible growth over the past half century as it has explored the effect that cognitive psychological biases can have on investors’ financial decisions. Behavioral finance stands in stark contrast to the efficient market hypothesis, as it attributes market inefficiencies to investors who are not perfectly rational human beings. It offers a solution to the observed 3.5% gap that active equity investors miss out on in the market compared to passive index funds, which it attributes to their emotions and psychological biases. These common human biases can be grouped into five major categories: heuristics, …
Microcredit As A Means Of Funding Entrepreneurship In Asia, Sheena Ragoo
Microcredit As A Means Of Funding Entrepreneurship In Asia, Sheena Ragoo
Senior Honors Theses
Microcredit can be a powerful tool to aid impoverished individuals in Asia. Despite the increased globalization and interconnectedness around the world, many parts of Asia suffer from the social and economic problems. However, entrepreneurship programs can help alleviate some of the social ailments. Unfortunately, many individuals in the Asian region do not have the financial means to start their own businesses. Individuals may be able to fund their businesses by means of small loans. Microcredit not only empowers poor individuals, it also gives them the opportunity to be self-employed and become self-sufficient. Women are the main beneficiaries of microcredit financial …
Selecting An Alternative National Banking System Against Fractional Reserve Free Banking: The Greatest Modern Fraud?, Josiah J. Bardy
Selecting An Alternative National Banking System Against Fractional Reserve Free Banking: The Greatest Modern Fraud?, Josiah J. Bardy
Senior Honors Theses
This paper serves as a compilation and analysis of different banking systems with an emphasis on fractional reserve free banking. Contemporary academic literature has debated fractional reserve banking with revisited scrutiny since the 2007–2009 financial crisis. The Austrian School, drawing conclusions from the Austrian business cycle theory, blames central banking for boom-bust economics. One proposed solution, fractional reserve free banking, eliminates the central bank’s control for a purer form of fractional reserve practice; however, this system may be inherently fraudulent and unethical. After completing an economic analysis of the western world’s banking system, this paper then explores an alternative solution.
Taxation Of Income On Professional Team Athletes, Crystal M. Williamson
Taxation Of Income On Professional Team Athletes, Crystal M. Williamson
Senior Honors Theses
Taxation of income for the average person can be a daunting task. However, for professional athletes, this task becomes even more tedious. Professional athletes face the jock tax. This means that athletes have to pay taxes in every state in which they play a game, practice, and perform a service that is part of their contract. Professional athletes, like every United States (U.S.) citizen, are required to pay both federal and state income taxes. Since professional athletes are constantly traveling, their state of residence becomes even more important when allocating their income to the respective state. Many question the constitutionality …
The Subprime Mortgage Collapse And Its Effects On The Economy, Joseph Krmpotich
The Subprime Mortgage Collapse And Its Effects On The Economy, Joseph Krmpotich
Senior Honors Theses
The subprime mortgage crisis occurred due to a number of factors. Included in these factors were the issuance of subprime loans, the securitization of mortgages in the investment banking system, and the deregulation and ultimate failure of the shadow banking system. These causes were evident in both historical trends in the stock market as well as the macroeconomic data leading into the crash. They were perpetuated by investors, mortgage brokers, and banks taking on an abnormal amount of risk in the early 2000s for both psychological and behavioral reasons. These causes, while less than obvious at the time, have, with …
Philanthropy Under The Microscope: A Cost-Benefit Analysis Of Small Nonprofits Conducting Financial Statement Audits, Sarah Samaniego
Philanthropy Under The Microscope: A Cost-Benefit Analysis Of Small Nonprofits Conducting Financial Statement Audits, Sarah Samaniego
Senior Honors Theses
External audits are conducted by Certified Public Accountants (CPAs) and ensure the reliability of financial reporting and internal controls of a given organization. Publicly traded corporations are required by the Securities and Exchange Commission (SEC) to conduct a yearly external audit. In addition, some large or government funded not-for-profits must produce audited financial statements upon request. If an organization is not required to conduct an audit, it may still choose to undergo an independent audit. Among those that may voluntarily conduct an audit are small nonprofit organizations. Due to the unique characteristics of small nonprofits, some elements of an external …
The Identification And Exploitation Of Terrorist Financing, Jacob S. Gordon
The Identification And Exploitation Of Terrorist Financing, Jacob S. Gordon
Senior Honors Theses
Terrorism and the threat of terrorist attacks have forced the United States to place a high priority on developing a comprehensive counterterrorism strategy. A crucial component of this overarching strategy focuses on targeting the finances of a terrorist organization, hoping to eliminate or stifle their sources of funding in an effort to render the organization incapable of launching successful operations due to an absence of funding. By analyzing the most common financing options that terrorist groups use, the United States can hone its ability to disrupt the funding operations for terrorist groups. Likewise, developing a method for tracking the laundering …
Sustainable Architecture Design: Environmental And Economic Benefits, Michael Babcock
Sustainable Architecture Design: Environmental And Economic Benefits, Michael Babcock
Senior Honors Theses
This thesis examines the movement of environmentalism, and its impact on architecture and construction. During an interview with a professional architect, a basis for research of sustainable design was devised, when he explained that “good” architecture attempts to holistically integrate the external and built environment. Presently, the main measurement for sustainability is energy efficiency. Therefore, architects constantly implement new technology in an attempt to unify both the external and built environment in an energy efficient manner. Furthermore, this thesis provides an environmental and financial cost analysis of implementing sustainable design and build. Research shows that the life cycle and up-front …
Micro-Loans: A Socially Responsible Corporate Investment, Olivia D. Marshall
Micro-Loans: A Socially Responsible Corporate Investment, Olivia D. Marshall
Senior Honors Theses
This thesis seeks to examine the socially responsible actions of corporations across America in the funding of micro-financing endeavors both of foreign and domestic intent as a means to alleviate poverty. Micro-loans are examined in light of the history of corporate social responsibility and the magnitude of impoverishment across the globe. The overarching purpose of this paper stands to prove that funding micro-loans is a sufficient means of acting socially responsible for corporations nationwide as a sustainable solution to poverty.
Economic Value Added, Michael D. Houle
Economic Value Added, Michael D. Houle
Senior Honors Theses
Economic Value Added (EVA), when applied properly in a company, impacts all departments and decisions. The equation for EVA as well as the adjustments that must be made to current accounting practices is the basis for an understanding of EVA. The success of EVA is displayed as companies that have implemented EVA to varying degrees are compared with companies that have not implemented EVA. Once the argument for the overall superiority of EVA is made, traditional performance measures and current accounting practices are evaluated. Then, the importance of creating value within corporations becomes apparent. Finally, a detailed example of the …