Finance and Financial Management Commons^™

A Tale Of Two Cities, Maybe Three A Look At Financial Literacy And Economic Development In Three Mississippi Cities: Fulton, Clarksdale, And Oxford, Kellie Reed Cleveland

Honors Theses

This paper explores the backbones of economic growth and how the backbones influence economic development in three cities in Mississippi. It further seeks to promote education in financial literacy throughout the state to create a base for individuals to further their financial education, create small businesses, or to simply be a knowledgeable citizen. The research sifts through backbones such as population health and small & big business influence, to explore how financial literacy influences daily life and the catalyst for businesses to start and grow. The Mississippi cities Fulton, Clarksdale, and Oxford are studied more in-depth through photos of the …

J Mich Dent Assoc May 2020

The Journal of the Michigan Dental Association

Every month,The Journal of the Michigan Dental Association brings news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200+ members. No publication reaches more Michigan dentists!

In this issue, the reader will find the following original content:

• A cover story on Michigan Dentistry in the COVID-19 Pandemic
• A message from the MDA President
• “Severe Acute Respiratory Syndrome Coronavirus-2: What Dental Professionals Need to Know” a feature on protecting the health of your patients and your dental team.
• “Keep the Lights On: Protecting the Health of Your Practice During the Economic Downturn” a …

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

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 …

Permanent Equity: Successfully Finding And Buying A Small Business, Lewis Wang

Senior Theses

This thesis aims to build off the existing research on the advantages of permanent equity within the micro-cap market space. This strategy combines many advantages from private equity, venture capital, small-cap, and value / quality investing in order to generate a differentiated return. While the pros and cons of these various strategies have been explored by previous academic research, not much has been written on the actual implementation and choices practitioners must make when they decide how to deploy capital. In order to dive deeper into implementation, this thesis presents several anecdotes of various firms that invest in this space …

J Mich Dent Assoc February 2020

The Journal of the Michigan Dental Association

Every month,The Journal of the Michigan Dental Association brings news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200+ members. No publication reaches more Michigan dentists!

In this issue, the reader will find the following original content:

• A cover story on the 2020 MDA Annual Session
• A feature covering student perspectives on the Opioid Crisis
• News you need, Editorial and regular department articles on MDA Foundation activities, Dentistry and the Law, Staff Matters, Headquarters Report, and component news

This issue also includes articles reprinted with permission:

• “Muscle Deprogramming: A Source of Confusion”, …

Hot Or Not – Which Features Make Fintechs Attractive For Investors?, Johannes Klein, Leonard Stuckenborg, Jens Leker

The Journal of Entrepreneurial Finance

Attracting investors and generating funding is a key issue for all start-ups. The information asymmetries between investor and start-up need to be reduced. Despite the overwhelming literature on venture capital financing and different signals reflecting venture quality, pinpointing the signals which impact funding decisions remains an open issue. This study presents an empirical examination of the effectiveness of different signals to convince investors and generate funding. We examine the impact of signals concerning venture quality (classic ones such as human capital, intellectual capital and social alliance/network capital as well as the strategic orientation in terms of business model patterns. Based …

A Business Plan For The Fitzgerald Institute, Elaine M. King, Matthew G. Deibel, Matthew J. Bulgrin, Alex Skeen, Stephanie N. Kieke

Williams Honors College, Honors Research Projects

This piece seeks to develop a business strategy for the University of Akron's Fitzgerald Institute for Entrepreneurship. The recommendations given were developed utilizing research on entrepreneurial education and the desires of students at the university.

Business Funding Strategies For Women-Owned Small Businesses, Jefreda R. Brown

Walden Dissertations and Doctoral Studies

In the United States, limitations in funding allocation threaten the viability of small business success. In the United States, women start businesses at faster rates than men do, but women business owners continue to experience challenges in accessing capital to sustain their businesses. Grounded in pecking order theory, the purpose of this qualitative multiple case study was to identify business funding strategies women small business owners in Birmingham, Alabama, used to sustain their businesses for more than 5 years. The participants for this study were 3 women small business owners in Birmingham, Alabama, who have used business funding strategies to …

Financial Illiteracy Of Nigerian Immigrant Entrepreneurs In Houston, Adewole M. Omogunsoye

Walden Dissertations and Doctoral Studies

Financial literacy is an essential determinant of entrepreneurial success as it helps entrepreneurs to access credit and make rational financial decisions. However, financial literacy remains low especially among immigrant communities, who form the bulk of the low-income earners in the United States. The purpose of this qualitative exploratory case study was to explore the financial literacy of Nigerian immigrant entrepreneurs living in Houston, Texas, in order to sustain growth in their business by successfully using the U.S credit system. The research question for the study examined the actions Nigerian immigrant entrepreneurs in Houston need to take to be financially literate …

Nigerian Women Entrepreneurs’ Strategies For Financial Inclusion: A Generic Qualitative Inquiry, Oluwatoyin Madein

Walden Dissertations and Doctoral Studies

Women in Nigeria are approximately 50% of the population and operate significantly in the micro, small, and medium enterprises. Women entrepreneurs in Nigeria are experiencing business failure, early exit, stagnant growth, and low return on investment due to inadequate finance. This study’s specific management problem is that many women entrepreneurs in Nigeria lack strategies to develop financial literacy and access to external loans for business sustainability. Using the concepts of financial inclusion and financial exclusion, the purpose of this qualitative inquiry was to explore the strategies women entrepreneurs use and whether they have the required experience and knowledge of financial …

J Mich Dent Assoc January 2020

The Journal of the Michigan Dental Association

Every month, The Journal of the Michigan Dental Association brings news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200+ members. No publication reaches more Michigan dentists!

In this issue, the reader will find the following original content:

• A cover story on "Preventing Pediatric Obesity: How the Dental Team Can Help”.
• “We Can Make a Difference in a Child’s Life”, a feature with a special message to MDA members from Suzanne Port, DDS, MS, president of the Michigan Academy of Pediatric Dentistry.
• A feature on “The Age-1 Visit: Time to Welcome Children into …

Microfinance Institutions’ Criteria On Small Business Financing In Cameroon, Serge Messomo Elle

The Journal of Entrepreneurial Finance

This study uses MFIs as a unit of analysis to examine the factors of human, financial and social capital that increase the financing of microenterprises’ identification of opportunities and exploitation in Cameroon .To attain this objective, a questionnaire was used to collect data from 207 MFIs and analyzed using descriptive and multiple linear regression models. The results revealed that when it concerns the financing of opportunity identification, only human capital variables of Prior knowledge and Business training increase the financing of microenterprises by MFIs in Cameroon. Regarding the opportunity exploitation on the contrary, accumulated business knowledge, business skills and customer …

The Bluebox Practicum: Integrating Technology, Culture, And Academic Service-Learning, Charles Braymen, Dustin Ormond

Jesuit Higher Education: A Journal

Advancing education in marginalized communities has been more difficult compared to more privileged communities due to the lack of infrastructure, which in part results in an absence of educational materials. The BlueBox Project was created to minimize this divide by bringing a wealth of information to these communities. Using a small digital computer, faculty, staff, and students across many disciplines built the BlueBox, a stand-alone digital library which hosts an array of books, articles, educational games, and videos to inspire learning in a variety of subjects including science, technology, math, music, and literature. The BlueBox is powered by solar energy, …

Fintech Projects And Initial Coin Offerings: A Research Note, Andrea Moro, Dao Wang

The Journal of Entrepreneurial Finance

We explore the determinants of success of Initial Coin Offerings (ICO) defined as whether the ICO was successful in raising the funds. We look at financial and technical information disclosed by the ICO as well as the information disclosed by third parties about the ICO and the level of legal protection granted. We discover that even if both hard information (financial and technical) and soft information (social media and legal protection) matter, nevertheless a more relevant role is played by the technical information. Based on our analysis, we identify areas that need further investigation in the context of ICOs.

Plastic Bags And Bamboo Stools, Grace R. Bithell

Marriott Student Review

This paper conducts a critical analyses of microfinance institutions. It gives an overview of the complexities of credit in developing countries and shows how microfinance fits into the equations. It discussed the successes and failures of microenterprises in trying to alleviate poverty. It also delves into best practices pertaining to lending to the poor and how microfinance is impacted by culture in developing nations.

Crowdfunding Challenges For New Charity Organizations, Katherine M. Lowe

Marriott Student Review

A look into the complicated and competitive world of nonprofit fundraising in the modern world. With a special emphasis on the struggles new nonprofits face in differentiating their services and attracting donors through online crowdfunding.

College Of Business Dean's Report: 2018-2019, Ryan Butt

College of Business Dean’s Reports

No abstract provided.

Role Of Financial, Human And Social Capital In Survival Of Start-Ups, Tiong Kiat Wong

Dissertations and Theses Collection (Open Access)

In new business ventures, growth in itself is often not the main intention in the beginning, but rather a mean to ensure survivability first, follow by sustainability and secure profitability. Not all small businesses survived over time and are always confronted with the liability of newness and contending externalities such as fierce competition and internal limitations like resources to survive. Only about half of newly founded start-ups survived after 5 years.

The presence or absence of resources and the critical role it plays on the effect of venture’s survival, provides substantive advancement in understanding of organisational theory and management practice …

Gilgit-Baltistan At The Cross Road Of China-Pakistan Economic Corridor (Cpec), Zulfiqar Ali Khan

MSJ Capstone Projects

This capstone project focused on the in-depth analysis of the role and impact of this multi-billion-dollar project on the politically deprived region of Gilgit-Baltistan. This region is the gateway to CPEC as it is the only region of Pakistan that shares border with China. The geographical ties, tributary and trade relationship and even family relationships between Gilgit-Baltistan and the Xinjiang region of China dates back centuries before the creation of Pakistan and the post revolution China.

The project has been designed and implemented in a way that GB’s role is to provide the services of road and some other services …

Executive Leadership Challenges In Today’S Environment, Herbert J. Degraffe Jr.

Walden Faculty and Staff Publications

Abstract

Individuals in top management positions often have conflicting interpretations concerning the authoritative qualities that align with the intrinsic and external relations of an organization. Although, researchers may still debate about the extent to which athletic development personality factors are important internal components of an individual. The purpose of this correlational study was to determine if athletic development personality factors correlate with decision making at the executive leadership level. The research questions focused on determining if there was a relationship between athletic development personality factors and decision making. Social exchange theory, social representations theory, and leadership theories comprised the theoretical …

Women's Entrepreneurship Report 2018/2019, Amanda B. Elam, Candida G. Brush, Patricia G. Greene, Benjamin Baumer, Monica Dean, René Heavlow, Babson College, Smith College, Global Entrepreneurship Research Association (Gera)

Financial Education and Entrepreneurship Research

This year marks the 20th anniversary of Global Entrepreneurship Monitor (GEM) conducting entrepreneurship research in economies around the world through a system of rigorous data collection, extensive analysis, and widespread dissemination of results. Studies on women’s participation in entrepreneurial behaviors have long been a part of this project, with reports developed approximately every two years. The 2018/2019 report provides analysis from 59 economies, aggregating data from two GEM data collection cycles: 10 economies reporting in 2017 and 49 reporting in 2018. For the purpose of analysis and to allow for comparisons, these countries are grouped into three levels of national …

Small Business Lending And Social Capital: Are Rural Relationships Different?, Robert Deyoung, Dennis Glennon, Peter J. Nigro, Kenneth Spong

The Journal of Entrepreneurial Finance

We test whether rural versus urban location, and the amount of social capital present in those locations, influence the performance of Small Business Administration (SBA) 7(a) loans originated between 1984 and 2012. On average, we find that rural loans are about 11% less likely to default than urban loans, and that a standard deviation increase in social capital reduces default by about 5%. Surprisingly, these two effects are largely independent of each other, even though social capital is substantially higher in rural places than in urban places. Our findings advance the small business lending literature and offer insights for a …

Strategic Alliances Between Banks And Fintechs For Digital Innovation: Motives To Collaborate And Types Of Interaction, Milan Frederik Klus, Todor Stefan Lohwasser, Friedrich Holotiuk, Jürgen Moormann

The Journal of Entrepreneurial Finance

In times of digitalization, established firms operating in the financial services sector increasingly form alliances with start-up companies to satisfy the customers´ demand for rapid innovation and cope with the growing dynamics of markets. Technology-enabled innovation challenges traditional business models of incumbent institutions (e.g., banks) and requires them to adapt swiftly to the needs of the digital age. However, young firms providing technological solutions for the financial services industry (fintechs) also face difficulties, such as meeting regulatory requirements and winning the trust of potential customers. To compensate for these shortcomings and to exploit synergies, banks and fintechs are increasingly pooling …

Start-Up Financing In The Digital Age – A Systematic Review And Comparison Of New Forms Of Financing, Maximilian Klein, Florian Neitzert, Thomas Hartmann-Wendels, Sascha Kraus

The Journal of Entrepreneurial Finance

Start-ups are seen as the leading force in dynamically growing economies. Limited financing opportunities often prevent entrepreneurs from realizing their innovative business ideas or taking growth opportunities. However, in the context of the technological revolution, a fundamental change in the entrepreneurial finance landscape is observed. Innovative, digital financial instruments such as Business Angel Networks, Crowdfunding, or Initial Coin Offerings provide young companies with attractive financing opportunities. Although a large number of studies focus on start-up financing in the digital age, the literature is still fragmented. By providing a systemic literature review of 85 high-quality peer-reviewed journal articles published between 1990 …

Access To Capital Challenges And Opportunities, Rosalinda V. Maury, Brice M. Stone, Kicia Sears, Andrew M. Sander

Institute for Veterans and Military Families

This paper describes how veterans report financing their businesses, their potential difficulties accessing capital, and the potential reasons they may encounter credit and loan denials. We conclude with a discussion on the possible implications and put forward a preliminary argument for further study that would explore some of the more nuanced aspects of access to capital barriers. Helpful for veterans seeking information about financing their business.

Financial Strategies For Long-Term Success In Women-Owned Small Businesses, Melissa Renee Dyer

Walden Dissertations and Doctoral Studies

In the United States, many small businesses fail within the first 5 years due to poor implementation of long term financial strategies. Researchers and business practitioners indicated that women small business owners face challenges in financing their small businesses beyond 5 years due to a lack of long-term financial strategies. The purpose of this qualitative multiple case study was to explore long term financial strategies women use to sustain their small businesses beyond 5 years. The general theory of entrepreneurship was the conceptual framework for this study. Data were collected from semistructured interviews with 11 women small business owners in …

Strategies To Improve Small Business Sustainability, Tywon Guy

Walden Dissertations and Doctoral Studies

Small businesses are considered the backbone of the U.S. economy with significant contributions in the areas of job creation and economic development. However, 79% of small businesses fail within the first 5 years. This multiple case study aimed to explore strategies and knowledge of resources that owners of small businesses used to sustain business operations for longer than the first 5 years. The population included 5 minority owners of small businesses in Texas. Chaos theory formed the conceptual framework. The data collection process included semistructured interviews, member checks, field notes, company artifacts, and archival documents. Data were analyzed using Yin's …

Strategies To Sustain A Real Estate Small Business In Postnatural-Disaster Area, Vianka Miranda

Walden Dissertations and Doctoral Studies

Many small real estate business leaders lack effective strategies to resume and sustain operations in a postnatural-disaster environment. This multiple case study investigated strategies that 3 small real estate business leaders in southeastern Louisiana used to resume and sustain operations in the aftermath of a natural disaster. The chaos theory and stakeholder theory were the conceptual frameworks for this study. Data were collected from semistructured interviews, and reviews of business continuity plan documents and member checking. The themes that emerged from data analysis were leaders' strategies relating to business planning and innovation, stakeholder engagement, operations management, and disaster responsiveness. Implications …

Strategies To Secure Sustainable Funding For The Successful Conclusion Of Infrastructure Projects, Ibrahim Adia

Walden Dissertations and Doctoral Studies

Construction industry leaders who neglect to implement appropriate project funding strategies harm business operations and lose profits. Inadequate funding is also a significant cause of project failures in the global construction sector. The purpose of this qualitative multiple case study was to explore strategies construction project owners use to secure sustainable funding for the successful conclusion of infrastructure projects. The population comprised 5 leaders of organizations owning construction projects in the Middle Eastern Gulf Cooperation Council states, with successful strategies to acquire adequate funding for completing infrastructure projects. Data were collected from semistructured interviews with the business leaders and reports …