Business Commons^™

The Effect Of Crude Oil Prices On Personal Consumption Expenditure, Eileen Cooney

Economics Student Scholarship

Eileen Cooney ’23
Majors: Quantitative Economics and Political Science
Minor: Finance
Faculty Mentor: Dr. Fang Dong, Economics

The author used the time series models to analyze how growth of personal consumption expenditure is influenced by financial and economic determinants. Results show that both oil price and consumer sentiment play important roles in influencing consumption growth.

2022-April-27-Make Sure Financial Aid Is Ready For Fall Etsu Officials Urge, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY, Tenn. (April 27, 2022) – As the spring semester winds down, East Tennessee State University officials urge current and potential students to make sure their financial aid is ready for the fall semester.  

“Perhaps you have fun summer plans or want to avoid the stress of having unanswered financial questions at the start of a new semester,” said Catherine Morgan, director of Financial Aid and Scholarships at ETSU. “Whatever the case, now is the time to make sure your financial aid is in order before fall 2022.” 

Filing the 2022-2023 Free Application for Federal Student Aid, also known …

The Worker Bee’S Dilemma: Move Out To Move Up?, Tyechia Paul

College of Business and Economics

Theoretical basis

This case is underpinned by multiple motivational theories, including Maslow’s Hierarchy, Alderfer’s existence relatedness growth, equity theory, expectancy theory and Herzberg’s two-factor theory.

Research methodology

This data was gleaned from the protagonist and corporate documents. Names have been changed to conceal the identity of the firm and its employees.

Case overview/synopsis

Vivienne consistently earned high-performance ratings at her firm. She designed the internal firm university, a permanent learning program. She then noticed other employees being promoted based on her work. She was not offered a promotion, so she conducted a job analysis. Based on those findings, Vivienne decided …

Starbucks Strategic Analysis, Jillian Jacoba

Honors Program: Senior Projects (Public)

Starbucks is a multinational chain of coffee shops and roasteries that was founded in 1971. Starbucks has continued to grow for the past 51 years and continues to dominate the coffee industry. This strategic analysis evaluates the general environment using a PESTEL analysis, the industry using Porter’s Five Forces, and the company’s overall strategy and competitive advantages. This paper will evaluate Starbucks’ position in the industry and the strategic choices that have led the company to its extraordinary success.

Nelnet Consulting Project, Ellie Hellman, Kennedy Johnston, Abe Stutzman, Emily Kist, Sam Stott, Tom Hermanek

Honors Program: Senior Projects (Public)

The purpose of this capstone engagement was to do a market analysis of two potential investment opportunities for Nelnet. Our group went through an extensive research process of current players in the market, regulations that exist, financial considerations, and risk analysis. Through the capstone course we were introduced to design thinking and the 10 types of innovation to use as methods of evaluation for the Nelnet consultation. Our team went through processes such as stakeholder analysis, PESTEL analysis, Porter’s Five Forces, and internal resources and capabilities. Our final project consisted of a formal presentation to Nelnet executives and final report …

Researching A Marketing Strategy And Building A Website For Small Business, Trinidad Montez

Honors Projects

Research regarding the process and marketing for the design of a website for a local small business.

Determining The Best Practices Of Social Media For A Small Business: A Case Study On The Salt Cave Of Perrysburg, Michelle Timms

Honors Projects

This study is about finding the best social media practices for a small business. I used The Salt Cave of Perrysburg, which is located in Perrysburg, Ohio, as my testing subject for the implementation of the social media practices that were found through primary research, such as surveys and waiver forms, and secondary research, such as previous research papers, textbooks, and previous surveys. Through primary and secondary research, this paper will describe how to research and then implement the best practices for a small business. With the research I have found, I then implemented those findings to The Salt Cave …

The Financial Buzz Word - Bancassurance, Vinod Kumar Chib

Management Dynamics

Banks are engaged in their core business of accepting deposits and lending loans, their activities are regulated and restricted by RBI. Bank's core activities are also not so profitable; hence, their bottom-line is shrinking. Thus, they have to think of other activities and sources of income. Bancassurance is the buzzword in the current financial service market, where the banks are forming joint ventures with insurance companies, to encash the wide customer database and the everlasting trust. The insurance companies get sufficient business and premiums through the collaboration, enhancing their presence and market share. On the other hand, the banks are …

Interest Rate Futures In India: Future Trading And Spot Market Volatility, Shailesh Rastogi

Management Dynamics

The introduction of trading in interest rate futures in the country heralds the beginning of a new era in the fixed income derivatives market. Initial hiccups with regard to the product design and variations from the global standards would settle down over a period of time and the product would emerge as a path breaker, paving the way for many more initiatives on the derivatives front. The introduction of trading in interest rate futures in India is one more step towards integration of the Indian Securities Market with the rest of the world. Globally, interest rate derivatives are the darlings …

Innovate Or Die New Mantra Of Modern Day Banking, Shyam Ji Mehrotra

Management Dynamics

Competition, convergence and consolidation are key drivers of banking these days. Competition breeds innovation and innovation breed's competitive advantage. To stay ahead of their competitors, banks like any other industry are trying new ideas (innovations) and reinventing existing products (renovations). 'Innovate or die' is new mantra of modern day banking.

Need For A New Corporate Model In A New Era: Implications For The Financial Sector, Subhash Sharma

Management Dynamics

In the new era of Globalization, we are faced with several cases of 'ethical failures'. New questions are being raised with respect to the foundational premise of the 'Corporate model' that originated to maximize the return to shareholders. Though it has undergone transformation towards the stakeholder concept, it is weak in terms of its'ethical foundations. Executive greed as well as Corporate greed have overtaken the objective of 'wealth creation for society'. Wealth creation for the executives has taken primacy leading to many wrong decisions as indicated by the recent recession experience in America. Many American Corporations have fallen from grace. …

Emerging Challenges For Financial Regulation At National Level, Mritunjay Kumar

Management Dynamics

Through this article effort has been made to identify key regulatory tasks and objectives of RBI as regulator of key financial markets. The Increase in systemic risk due to greater integrity of the Indian market with the global market and with emergence of new markets and instruments have made the task of regulator most difficult as it has to constantly keep up pace with the changing marketplace and prescribe new regulatory safeguards for all market participants. The effort is to make unregulated or poorly regulated markets & instruments under better regulation. However, there are border problem between regulators over the …

Determinants Of Capital Structure: Experience Of Indian Banking Sector, Sumi Khare, Saima Rizvi

Management Dynamics

A company's proportion of short and long-term debt is considered when analyzing capital structure. Capital structure is firm's debt-to-equity ratio, which provides insight into how risky a company is. Capital structure decisions are related to finding out an optimum capital structure for the shareholders of the firms. This study explores on the capital structure for banks listed on the BANKEX index in India. The present study has two objectives: Firstly, to identify important determinants of capital structure and secondly to test for the applicability of trade-off and pecking order theories based on sample data drawn from the Indian Banking Industry …

Banking Industry And Its Service Quality: Customer Perception And Expectation, Naveen Arora

Management Dynamics

This paper examines the customers' expectations and their perceptions related to various services offered by banking industry. Customer satisfaction being the top priority across all industries, we find the determinants of service quality and performance in Banks. Being service industry there may be a big difference between expected and perceived service quality. Expectation of the customers with regards the service can vary based on a range of factors such as prior experience, personal needs and what other people may have told them. The quality of service is determined on five dimensions which are: Reliability, Responsiveness, Assurance, Empathy and Tangibles (Appearance …

Humans Can Be Understood Neither By Analysis Nor By Synthesis, Magoroh Maruyama

Management Dynamics

This is a memo proposing interactive reorientation of our knowledge on humans. I am now planning an article, to be completed in a few months, as outlined below. I am seeking your disagreements as well as other alternatives, i.e. my outline will change depending on inputs for you.

Cases Of Scientists And Technologists Who Became The Head Of Their Countries, Magoroh Maruyama

Management Dynamics

I would like to collect cases of scientists who, in recent years, became heads (presidents, chancellors, prime ministers) of their countries. I need information from you, especially from countries in transition in all parts of the worid, including the newest and smallest country of Gronland (Greenland), and nearly technologizing parts of the world such as India and South Africa. A collection of such cases will be very useful for political and social policy makers.

Quality Of Management Education And Its Determinants - A Study Of Business Schools Of Punjab, Lakhwinder Singh Kang, Surinder Sharma

Management Dynamics

The present study is an endeavour to assess the quality of management education prevailing in Punjab and to identify the factors affecting it. A sample of 200 faculty members teaching in management institutes in Punjab was examined for the said purpose. It has been found that management education being imparted in management institutes in Punjab is of average quality. The factor analysis has identified nine factors; 'Focus on class room teaching and overburdened inadequate faculty', 'Ineffective training of the students', 'Lack of emphasis on extra-curricular activities', 'Academic oriented faculty and weak interface with industry', 'Limited and theory-oriented courses', 'Lack of …

Probing Relations Between S&P Cnx Nifty, Bse 30 And Shanghai Composite, Saif Siddiqui, Neha Seth

Management Dynamics

The study is a continuation of research on the issue of interdependence among the stock markets and indices. If the stock markets of different countries move together, then investing in different national stock markets would not generate any long-term gain to portfolio diversification. The study examines the interdependence between Nifty, BSE 30 and Shanghai Composite. Present research considers a key issue that may interest investors, portfolio managers, corporate executives and policy makers. The study is based on secondary data, which covers the recent period using daily closing figure from 01/06/2004 to 01/06/2009. Interdependency among global stock markets is studied primarily …

Assessing The Impacts Of Self-Help Group Based Microcredit Programmes: Non-Experimental Evidence From The Rural Areas Of Coastal Orissa In India, Debadutta Kumar Panda

Management Dynamics

This impact assessment study of microcredit was conducted by a crossectional data-set drawn from a pool of 200 samples from Puri district of India. A structured pre-tested household schedule was used to gather information from households. The "household" was taken as the unit of analysis; and a comparison between the factual and counterfactual was formed as the base of the study where the statistical means of the target households were compared with that of the control households across various variables. The statistical test of significance was conducted by using z-test. Under the econometric model, probit model was used to understand …

Twelve Concepts Drawn From Life Experiences Useful For Students Of Management Studies, Cynthia Tse Kimberlin

Management Dynamics

A list is given of twelve observations generated by the author's remarks made in Parts 1 and 2 that might prove useful in management discussions. A list of references and other resources follows.

Chance, Choice, And Opportunity: Effective Tools For Management, Cynthia Tse Kimberlin

Management Dynamics

This account offers students and professionals, thoughts on useful strategies in management situations based on the author's life experiences. Since the majority of the readers of Management Dynamics come from India and Southeast Asia, the remarks are directed with them in mind but they could be applied elsewhere as well. The author's career trajectory was not planned. Although 90 per cent happened by chance, chance was not entirely random but led to choice and opportunity. 10 per cent was devoted to strategic planning and preparation. Her expertise lies not in management studies but in the field of ethnomusicology, that is, …

How Bruce Lee Almost Met Chou Enlai: Another View-From A Peace Corps Volunteer In Eritrea, Cynthia Tse Kimberlin

Management Dynamics

Part 2 is an account of the author's two-year tenure as a US Peace Corps Volunteer and subsequent visits to Ethiopia as a US election observer, Fulbright lecturer/researcher, and conferee. The content focuses on circumstances in which the author found herself and how she dealt with them as an outsider and as an American of Chinese descent living and working in Africa. She also alludes to aspects of her Peace Corps experience in Part 1 as they pertain to issues not clarified in Part 2. And occasionally she makes references about events occurring on dates not indicated within the specified …

Life Insurance As An Investment Option, Saima Rizvi

Management Dynamics

Insurance is defined as a cooperative device to spread the loss caused by a particular risk over a number of persons who are exposed to it and who agree to ensure themselves against that risk. The scenario as a whole is changing and life insurance is increasingly being considered as 'an investment option' by investors and companies. The objective of the study is to evaluate life insurance as an investment option post privatization and also to study a shift in people's preferences from other comparable investment avenues. For the purpose of study two populations were selected. First, was the population …

E-Commerce Revolution In The Insurance Industry Product Development, Aftab Alam, Mairaj Salim, Hassan Shah

Management Dynamics

The insurance industry appears to be lagging in the rapid evolution of financial services and e-commerce. However, insurers are still hesitant to approve policies online and are adding these services slowly to their sites for product development. This paper discusses some of the fundamental issues surrounding the use of alternative Internet business models in insurance, benefits, barriers as well as the success factors. An Extensive experience within the insurance industry and ability to deliver cost effective e-commerce solutions which suit our needs, are involved in making the Insurance Products suitable for E-commerce. Above all a Bird's eye description can help …

Policy Selection Behaviour Of Individual Investors Towards Insurance Policies And Marketing Strategies Followed By Insurance Companies, Bhushan Pardeshi

Management Dynamics

The Indian insurance industry underwent a drastic transformation with the entry of private players who captured a significant market share-thanks to the deregulation of the Indian insurance industry. But still the insurers had behaved, more as retail seller; the efforts of telemarketing, marketing executives, banks, brokers & agents, channel partners influenced by the financial behaviour of individual as the buyer is involved in price negotiations and other value added elements. Indian consumers have big influence of emotions and rationality on their buying decisions. Indian Economy is having a huge middle class societal status and salaried persons. Their money value for …

Review Of General Insurance, M. Ramadoss

Management Dynamics

Integrated Development of the insurance industry should be the main focus in the present scenario. One of the reasons, behind the turmoil in the financial world recently, was lack of coordination between various regulators in developed markets in Europe and in the United States. Hopefully, this wonderful thought of 'integration and co-creation' is going to strengthen the industry.

Implementing Enterprise Risk Management In Life Insurance, Sanchit Maini

Management Dynamics

This paper discusses a framework for ERM with particular emphasis on the life insurance industry. The ERM framework involves eight key features ranging from governance aspects to risk management policy, risk tolerance, own risk and solvency assessment, capital assessment on economic and supervisory basis and continuity analysis. Given that the life insurance industry is a regulated industry the supervisory role is an important feature of the ERM framework. The paper highlights the different stages of ERM maturity starting with a compliance orientation and the highest stage with linkage to strategy and value creation. The insurance industry is currently somewhere in …

Country Of Origin Effects On Brand Image And Social Status In An Emerging Market, Amit Gautam

Management Dynamics

Research suggests that country of origin (COO) information serves as a cue from which consumers make influences about product and product attributes. The COO cue triggers a global evaluation of quality, performance or specific product attributes. Consumers inter attributes to the product based on country stereotype and experiences with products from that country. As consumer demand for products in developed countries is reaching the saturation point, companies are looking for new consumers with a strong purchasing power elsewhere. Clearly, through undertaking consumers' differences, companies can better position their product in the marketplace. Hence this research will look at COO effects …

Three Gorges Dam - Stochastic Perspective For The Project Planning Issues, K. L. Chandrasekhar, D. P. Kothari

Management Dynamics

Yangtze River in China has been playing havoc, for centuries, causing devastation and destruction to lives and property due to the monsoon floods. To arrest this and to improve the living conditions for millions of Chinese, the Government has taken a bold initiative to 'tame' this mighty river with the construction of a 600 feet high dam, spanning over a mile and half, and extending the Dam to a distance of 350 miles upstream to tap 18200MW of Hydro Electric Power. The sheer size of the Dam and the complexity in this Project execution has never been witnessed in the …

Twelve Concepts Drawn From Life Experiences Useful For Students, Cynthia Tse Kimberlin

Management Dynamics

A list is given of twelve observations generated by the author's remarks made in Parts 1 and 2 that might prove useful in management discussions.