Other Business Commons^™

The Role Of Financial Literacy Education In Shaping Students’ Future Financial Decisions, Arianna Shornock

Honors Program Theses

This paper aims to explore the relationship between the effectiveness of financial literacy programs and their influence on students' future decision-making. In this study, survey data were collected from a random sample of young adults aged 18-25 years, primarily located in the Midwest region of the United States. This study suggests that students who took a financial literacy class are less likely to perform better on financial literacy topics and are less likely to have higher perceived confidence when making financial decisions, which contrasts with the existing evidence in the literature over financial literacy programs. Possible explanations for this deviation …

Female Client Preferences Of A Financial Advisor’S Gender, Rachel Ames Clayberg

Honors Program Theses

This research examines the gender preferences of female clients when selecting a financial planner. While an increasing number of women are seeking financial advice, the percentage of female financial advisors remains relatively low, with even fewer holding the prestigious Certified Financial Planner designation. The disproportionate representation in the field raises concerns that, if women prefer to work with female financial planners, their needs may not be fully addressed. Through a survey utilizing conjoint analysis, this study determines if implicit gender bias exists when clients choose a financial planner, without directly asking clients about their preferences. Findings indicate that female respondents …

Impact Of Esg Initiatives On Stock Returns, Reagan Lommell

Honors Program Theses

In recent years, there has been an uproar of the term “ESG” to describe a firm’s risk on the environmental, social, and governmental aspects of their business. The term/concept was not new, per se, as it was referred to in other ways, such as “Triple Bottom Line,” PPP (People, Planet, Profit, SRI (Socially Responsible Investing (SRI), etc. With the recent traction, consumers as well as stakeholders, have become more concerned with how their business is being managed, especially in terms of environmental, social, and governance issues. While companies utilize many practices to promote the framework and subsequently add value to …

Research Portfolio, Juandaniel Lopez

Graduate Research Papers

Rolling Stones Software has entered into a contract with a regional bank to develop a customized online platform, the "Loan Platform," designed for handling mortgage loan applications. This platform streamlines the mortgage application process, enabling customers to submit applications online and providing real-time access to relevant information and documents for both the bank and applicants. To fulfill this contract, Rolling Stones Software is committed to performing various software development tasks, including interviews, testing, integration, modifications, and design customization to align with the bank's specific requirements.

The Effects Of Casinos On Unemployment: A County Level Analysis, Sally Anne St. Clair Kron

Honors Program Theses

The gambling industry in the United States has experienced significant growth over the past thirty years. As the industry continues to expand, legislators must consider the pros and cons that accompany the industry expansion. This paper examines if the social and economic benefits from the casino industry outweigh the social and economic costs of gambling with a specific focus on the effects on unemployment. The gaming industry creates tax revenue, employment, and entertainment for the community. But it also has a regressive tax structure and creates problems like pathological gambling. This paper analyzes this tradeoff and uses Ordinary Least Squares …

Work-Related Outcomes And Organizational Commitment, Mushaun Miller

Honors Program Theses

The modern workplace encompasses a multi-generational and diverse workforce. Now more than ever, workplaces include those of various ages, backgrounds, races, and more. It is important for an organization to manage the differences among its employees in order to influence personal and organizational outcomes. After all, work-related personal outcomes allow the employee to evaluate the organization and find his/her place within it- which influences commitment to an organization. Organizational commitment is a crucial goal due to its ability to reduce various dysfunctional behaviors such as absenteeism or turnover. High organizational commitment also leads to various positive outcomes including stronger customer …

English Proficiency And Earnings Of U.S. Immigrants, Toni F. Moeller

Honors Program Theses

Every year thousands of immigrants come to the United States and look to join the labor force. Most of these immigrants have a first language that is not English. This study analyzes how wage income, business and farm income, and investment income are affected by English proficiency in 2004, 2009, and 2014. I use data from the American Community Survey and a log-linear econometric model to explore this relationship. I conclude that wage income and business and farm income had a positive relationship with English proficiency in 2004, 2009, and 2014 whereas investment income only had a significant positive relationship …

Risk Management Plans For University Athletic Facilities, Brittney Donlin

Honors Program Theses

Researching available literature on the specific topic of risk management planning for athletic facilities indicates that there is a dearth of work in this area1 . This finding is surprising given the number of people attending college and professional athletic events each weekend and recent history of violent incidents, such as the shootings in Tucson, Northern Illinois University and Virginia Polytechnic Institute (VPI). The limited articles available in this area provide an explanation of risk management processes and methodologies related to controlling campus risks, mostly focusing on the insuring of physical property against the perils of fire, wind, water and …

'Fermenting' A Successful Business: Beyer's Wine Cellar, Connie J. Beyer

Honors Program Theses

Beyer's Wine Cellar will be a vineyard and winery located in Mitchell, Iowa. Donald and Lucinda plan to begin production in the Fall of 2011 and begin selling wine to customers in the Spring of 2012. The wines that Beyer's Wine Cellar produces will be sold through the tasting room. Furthermore, Donald and Lucinda also plan to offer wine and grape education classes for the eager wine consumers in the area.

Career Paths: Not What You Might Think, Robert J. Frederick

UNIversitas: Journal of Research, Scholarship, and Creative Activity

From orientation through graduation, UNI’s Academic Advising and Career Services has the unique role of supporting academic, personal and career success for our students. One interesting component of our office operation is our contact with employers. Each year over 600 employers come to campus. They post over 7,000 job and internship opportunities on our electronic job posting board, CareerLink, and they routinely offer thousands more at our career fairs. In the 2005-2006 academic year, they conducted over 1,500 formal interviews on campus and thousands more of the informal type during and after our fairs. Each summer, we visit over 100 …

Adopting, Implementing, And Managing Biometric Entry Systems In Campus Recreation Centers, Ann Elizabeth Nellis

Graduate Research Papers

The purpose of this study was to examine the adoption, implementation, and management of biometric entry systems and produce information to assist to universities considering implementing a biometric entry system. Specifically, this study focused on the only seven campus recreation centers in the United States as of March 2005 to ever employ the biometric entry system. The study investigated the following research questions:

1. What were the decision-making factors for the adoption and implementation of the biometric entry system?

2. What obstacles were overcome during the implementation phase the of the biometric entry system?

3. What are the ongoing management …

The Free Trade Area Of The Americas: Assessing The Potential Of Hemisphere-Wide Free Trade, Andrea M. Smiens

Honors Program Theses

In December of 1994, the United States and the other thirty-three heads of state from the democracies in the western hemisphere met in Miami to discuss the creation of a hemispherewide free trade area, known as the Free Trade Area of the Americas. Negotiations for the free trade agreement were set for completion by January of 2005, with implementation by December 31, 2005. Ten years later, the idealistic ambitions seem to have dimmed and the western hemisphere seems as far from agreement as ever. Amidst security concerns, conflicting interests and vastly different levels of development, is there any hope?

Financial Management And Uni Students: A Proposal For Financial Education In The General Education Program At Uni, Carrie Schnieders

Presidential Scholars Theses (1990 – 2006)

The survey results were compiled ( except where noted) as a whole sample, as no significant differences were found to exist between sex and major. Class standing (and therefore, age) did result in some notable differences in the credit card and student loan categories, which is specified. The first half of the research is to find out what basic financial management skills UNI students have or utilize. The second phase of the research focused on how students felt about their financial knowledge, and if they felt a personal financial management class would be beneficial both to themselves and other students …

The Role Of Business In Sustainable Development: Proactive Environmental Initiatives And Reciprocal Relationships, Jennifer Halupnik

Presidential Scholars Theses (1990 – 2006)

A paradoxical dilemma currently faces the entire globe: industry is both the problem and the answer to the future of the earth's environmental health. Business is often blamed above all other forces as the primary cause of the planet's current environmental woes. At the same time, however, business is the only institution with the capital, technology and innovation necessary to develop solutions to the world's environmental problems. This senior thesis investigates the corporation's role in the environmental equation. Sustainable development is the buzzword of the decade. The concept means development or progress that "meets the needs of the present without …

Life In The Red: Inefficiency In The Iowa State Budget Process, Michael Mrosko

Presidential Scholars Theses (1990 – 2006)

I have proposed in my thesis that this deficit, and some of the extreme financial problems in the state of Iowa, can be explained and solved, in part, by a study of and improvement on inefficiency in the state's budget -process and procedure. I have focused on a number of problems that exist in the budget process and have examined them from both an analytical and a practical/social approach.

The body of my thesis will focus on the following three areas:

The process involved in developing the Iowa state Budget.

The problems and inefficiency associated with the budget and how …

An Annotated Bibliography Of Biographies For Career Education - Grades 4-6, Susan P. Polashek

Graduate Research Papers

An annotated bibliography of biographies was compiled for the career education program in grades 4-6. An attempt was made to locate four biographies for each of the fifteen job clusters designated by the U.S. Office of Education that would be representative of the spectrum of the world of work. A search was made of the Cedar Falls Public Library, Wauzeka Public Schools IMC, and interlibrary loan for biographies. Representative biographies were found for the job clusters of Agribusiness and Natural Resources, Environment, Communication and Media, Fine Arts and Humanities, Health, Public Services, and Recreation and Hospitality. A limited number of …