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Articles 31 - 45 of 45
Full-Text Articles in Finance and Financial Management
Private Student Loan Asset Backed Securities: A Default Curve Analysis, Nicholas Gentile
Private Student Loan Asset Backed Securities: A Default Curve Analysis, Nicholas Gentile
Honors Projects in Finance
Business and mainstream media devote significant attention to the student lending industry and its possible threat to the economy. While the private loan component of student lending may not be largest part of this one trillion dollar industry, it is likely to be the space where evidence supporting the media’s concerns are found. This paper examines the variation in cumulative default rates for private student loan asset backed securities issued between 2001 and 2007, revealing the dynamics of these opaque financial instruments. The study analyzes internal pool data and external economic data, uncovering the primary factors that shape the respective …
The Cost Of Culture The Impact Of National Culture On The Pass-Through Of Commodity Shocks, Christine Gerrity
The Cost Of Culture The Impact Of National Culture On The Pass-Through Of Commodity Shocks, Christine Gerrity
Honors Projects in Finance
This study analyzes the impact of national culture on the pass-through of commodity price shocks to retail goods. In particular, this study explores the commodities of coffee, cotton and steel. Through the use of regression analysis, this study looks to determine the relationship between two key predictive variables: risk tolerance of a country and commodity shocks within a company’s associated commodity market, and their impact on the value of companies within that country. Additional factors are explored at the firm financial level and the firm country level. The purpose of this study is to examine if consumers of one country …
Initial Public Offerings In The Microfinance Industry: Does A Mission Drift Occur?, Sarah Segill
Initial Public Offerings In The Microfinance Industry: Does A Mission Drift Occur?, Sarah Segill
Honors Projects in Finance
This thesis analyzes whether or not there is a mission drift when microfinance organizations become publicly traded entities. One of the most debated criticisms of microfinance institutions (MFIs) today involves becoming for-profit organizations in attempt to raise more capital. Donor funding is limited for non-profit organizations and does not give an MFI much room to grow to serve a maximal number of people. The entry of for-profit microfinance institutions has a great deal of possibility in terms of generating scale, efficiency and innovation. Yet these for-profit institutions can easily lose track of their social mission to serve the poor and …
Relationship Between Interest Rate And Bank Common Stock Return: Evidence From The Top 10 United States Banks And Financial Sector Index, Hieu Trung Tran
Relationship Between Interest Rate And Bank Common Stock Return: Evidence From The Top 10 United States Banks And Financial Sector Index, Hieu Trung Tran
Honors Projects in Finance
This research paper investigates the effect of changes in long-term interest rates on the returns of the top 10 US banks included in the Financial Sector Index. There are three main parts of this paper.
The first part uses the Augmented Dickey-Fuller (ADF) test to test the “Random Walk” of banks’ common stock returns. Based on the test’s results, returns of banks’ common stock do not solely follow the “Random Walk”.
In the second part, the Two-Factor Arbitrage Pricing Theory is employed to test the effect of changes in long-term interest rate on the return of banks’ common stocks. The …
Given Credit Management Behavior, What Effect Does Educational Debt Have On Mortgage Approval Timetables?, Andrew Mcleod
Given Credit Management Behavior, What Effect Does Educational Debt Have On Mortgage Approval Timetables?, Andrew Mcleod
Honors Projects in Finance
Educational debt in the United States is a major concern as many young people enroll in undergraduate institutions beyond their financial means and the gap between the cost of an education and family income widens. Research suggests that an individual’s level of educational debt will have an effect on their financial future, but measuring the extent of damage incurred is much more difficult and needs further examination. This paper analyzes the relationship between the level of educational debt at graduation and time between graduation and home mortgage approval. This paper also examines the relationship between credit management behavior and mortgage …
Cost Of Winning: What Contributing Factors Play The Most Significant Roles In Increasing The Winning Percentage Of A Major League Baseball Team?, Patrick Tartaro
Cost Of Winning: What Contributing Factors Play The Most Significant Roles In Increasing The Winning Percentage Of A Major League Baseball Team?, Patrick Tartaro
Honors Projects in Finance
Over the past decade, discussions of competition disparity in Major League Baseball have been brought to the forefront of many debates regarding the sport. The belief that "large market" teams such as the New York Yankees buy their championships through acquiring star talent at high prices has become a common belief of many followers of the game. This research will answer the pressing question, "What are the most significant factors that correlate to a Major League Baseball Team’s winning percentage?”. I used stepwise regression to identify factors significantly related to winning percentage. Interestingly enough, payroll is not a significant factor …
How One Trade Could Change The World: High Frequency Trading And The Flash Crash Of 2010, Sarah Perlman
How One Trade Could Change The World: High Frequency Trading And The Flash Crash Of 2010, Sarah Perlman
Honors Projects in Finance
Financial markets are controlled directly by a small population of people, but have direct effects on almost every aspect of the global community. Financial markets are now flooded with computerized algorithms that have drastically changed the face of trading. As with any advances in technology, there are always unforeseen events that create new challenges, and adjustments that need to be made. In our increasingly global and technological world, one wrong click of the mouse in New York could affect the stock markets in London, Tokyo, and Brazil. On May 6th, 2010, such a situation occurred and caused the Dow Jones …
Investment Styles, Fees, & Returns Among Individually Managed & Team Managed Mutual Funds, Kendal Cehanowicz
Investment Styles, Fees, & Returns Among Individually Managed & Team Managed Mutual Funds, Kendal Cehanowicz
Honors Projects in Finance
Identifying a successful mutual fund investment involves a crucial analysis of alternatives, all of which influence the true benefit of the investment. Major considerations must include performance, management and fees; which ultimately determine investment returns. Studies have shown that team managed mutual funds exhibit similar risk adjusted performance to individually managed mutual funds, however studies lack this comparison of performance based on fund fees and investment objective. This gap in research implies that there is an opportunity to examine how fund management, investment objective, and fund fees affect overall returns to the investor. Using the 2010 Center for Research in …
Stock Exchanges In The Middle East: Risky Business Or Smart Investing?, Jed A. Haddad
Stock Exchanges In The Middle East: Risky Business Or Smart Investing?, Jed A. Haddad
Honors Projects in Finance
The goal of any investor is to obtain the highest possible return for his or her money. However for years, the debate has continued; stocks, bonds, mutual funds; which of these financial instruments will produce the greatest gain to give the investor the highest profit? Historically, stocks have been known to provide investors with high returns. With the world becoming increasingly globalized, international markets have proven to offer investors more options to help diversify their portfolios. The Middle East has been known as a region of recent economic growth and stability. Three prominent examples of such are Kuwait, Israel, and …
Getting The Sharks To Bite In Your Ocean: A Look At Regional Differences In Funding Components In China And The United States, Jennifer Ashley Schwall
Getting The Sharks To Bite In Your Ocean: A Look At Regional Differences In Funding Components In China And The United States, Jennifer Ashley Schwall
Honors Projects in Finance
This study explores the relationship between a venture capital firm’s geographic region and the investment traits that it values. This study’s results will help determine whether venture capital firms, by geographic region, emphasize certain investment traits over others when funding new companies.
The study examines three regions (the East Coast of the United States, the West Coast of the United States and China, specifically Beijing and Shanghai). By surveying available firms in each region, I collected data on which funding components, or investment traits, the sampled respondents valued. To increase the usefulness of my findings, I held constant the stage …
Non-Profit Organizations In A Down Economy: The Financial Performance Of Higher Education Institutions In The New England Area, Yuanjun Li
Honors Projects in Finance
An economic recession affects an entire economy, including the non-profit sector. The impact could result from changes in government support, a decrease in donations, investment income, service fees or a combination. Many private universities and colleges, which rely on tuition and endowment, have been affected by a dip in enrollments, while their endowments shrink because of the recession and declining stock values. This study will examine how an economic recession can affect non-profit organizations, focusing on private, four-year higher education institutions in New England. Different types and sizes of schools will be affected differently. Since the large, well-known schools have …
Financial Literacy: The Impact Of Financial Training In High School On The Credit Behavior Of College Students, Lisa Tenaglia
Financial Literacy: The Impact Of Financial Training In High School On The Credit Behavior Of College Students, Lisa Tenaglia
Honors Projects in Finance
Managing credit is increasingly important not only for adults, but for college students. In recent years with sky rocketing tuition and easily available credit, college students find themselves with increasing debt burdens that result in serious and lasting financial problems. In response, financial literacy programs are emerging in hopes that better educated people will make healthy financial decisions, as well as responsibly manage credit. Research suggests that financial education should begin in high school so that young adults can effectively manage credit during the college years. This study assesses both college students’ financial knowledge and their credit management practices. Specifically, …
Possible Solutions To The Rhode Island State Government’S Unfunded Pension Liability, Derek Blunt
Possible Solutions To The Rhode Island State Government’S Unfunded Pension Liability, Derek Blunt
Honors Projects in Finance
This paper examines the possible causes of the nationwide unfunded public pension liability problem in the U.S., and what solutions are being proposed to combat the issue. After examining the general problems associated with multiple states’ pension systems, a specific analysis of the Rhode Island public pension system will be conducted. Through this investigation, the factors that led to the crisis in Rhode Island will be unveiled, and possible solutions to the state-specific problem will be developed. In order to arrive at a set of final recommendations for the government, a model will be used to evaluate the effects of …
Performance Of Major League Baseball Players During Their “Free Agency” Season, Evan Konstantatos
Performance Of Major League Baseball Players During Their “Free Agency” Season, Evan Konstantatos
Honors Projects in Finance
Do pro athletes try harder and perform better during their free agency year? Each year this question is asked in many professional sports. The purpose and objective of this project is to discover whether Major League Baseball players actually have better statistics during their free agency year. The result will add creditability to one side of the issue at hand. Data collected consists of offensive statistics in the year prior to their free agency year, their free agency year itself and the year after their free agency season. A simple paired T-test was applied for six major offensive categories: HR/AB, …
Measuring Effectiveness Of Quantitative Equity Portfolio Management Methods, Andrew J. Mesale
Measuring Effectiveness Of Quantitative Equity Portfolio Management Methods, Andrew J. Mesale
Honors Projects in Finance
In this paper, I use quantitative computer models to measure the effectiveness of Quantitative Equity Portfolio Management in predicting future stock returns using commonly accepted industry valuation factors. Industry knowledge and practices are first examined in order to determine strengths and weaknesses, as well as to build a foundation for the modeling. In order to assess the accuracy of the model and its inherent concepts, I employ up to ten years of historical data for a sample of stocks. The analysis examines the historical data to determine if there is any correlation between returns and the valuation factors. Results suggest …