...SAMPLE CHAPTERS 1-5 1 ASSESSMENT ON THE FINANCIAL SERVICES OF CAVITE METRO CREDIT COOPERATIVE IN IMUS CITY, CAVITE Rosanne Esmeralda Bordador A Research Paper submitted to the faculty members of the Department of Management, Cavite State University-Imus City, Cavite in partial fulfillment of the requirements for the degree of Bachelor of Science in Business Management. Prepared under the supervision of Dr. Jennypher N. Fenomeno. INTRODUCTION Informal types of cooperatives are as old as human history. Whenever people come together voluntarily to help one another by providing a group service, they actually had a simple form of cooperative. But the cooperative movement as we know it today had its beginnings in Europe during the modern times as a result of the Industrial Revolution. In several European countries, the first cooperatives were organized by workingman who were seeking to change the wretched conditions brought about by the new age of machine and factory production that began in England two hundred years ago, and soon after in other countries. In England, the weavers and the other workers in the textile industry were the hardest hit, and they were among the first to organize cooperatives for the purpose of improving their desperate economic and social conditions (San Gabriel, 2010). The International Co-operative Alliance mentioned that Cooperative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural...
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...Landry’s Restaurants, Inc. Part 2 University of Phoenix ACC 497 Wayne Sheehan Management’s Assessments of Financial Position Introduction Throughout time, financial statement analysis is becoming more important amongst managers, who use the information available to make decisions that will affect the company they are managing. Managers may choose to base opinions on the balance sheet, income statement, or cash flow statement, or they may choose to base opinions on individual performance results from different entities the company owns. Necessary information for management, when making decisions, may come from other areas of the Annual Report, and not just the financial statements. There are indicators within the financial statements of areas that need to be further investigated by management, such as reduction in revenues, which might trigger someone to read the disclosure notes. However, there are many other facets that need to go into business decisions besides just the financial statements, such as the analysis that is contained in the Annual Report. Comparing Management’s Assessment of Financial Statements to Prior Written Analysis Comparing management’s assessment of the financial health of the company, as stated in the Annual Report, to a previously written paper discussing the financial statements, one would see that initial figure comparison’s were in line with each other, however, not all of the reasoning was the same. Revenues were down...
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...Intuit Inc Financial Assessment Student’s Name Instructor’s Name Course Title Date Background Information The company chosen for the purpose of this project is the Intuit Inc. This is a technology company founded in 1984, with headquarters in California. Intuit Inc. is a provider of that seeks to provide financial management and innovative solutions to its customers who are the SME’s Accounting professionals and financial institutions. Intuit Inc. provides solution to its customers on significant business problems such as income tax filling, digital banking solutions to financial institutions by providing products such as Quickbooks, Turbo tax and Quicken (Intuit Inc, 2014). Intuit Inc. company is a publicly listed company, which is has some potential of wealth maximization to investor. According to the company’s management assertions, it seeks growth by growing its core businesses by acquiring new users through expansion of its product categories and increased awareness and building businesses and venturing to new markets through acquisition and partnerships. Thesis statement Intuit Inc has been doing enough to warrant the wealth maximization for its shareholders. This has involved the maximization of the intrinsic value of the shares, that is, the price of a share that incorporates all information available to an investor. Financial statement review The choice of Intuit Inc. was influenced by factors such as its dedication to value maximization of shareholders wealth and...
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...Intuit Inc Financial Assessment Student’s Name Instructor’s Name Course Title Date Background Information The company chosen for the purpose of this project is the Intuit Inc. This is a technology company founded in 1984, with headquarters in California. Intuit Inc. is a provider of that seeks to provide financial management and innovative solutions to its customers who are the SME’s Accounting professionals and financial institutions. Intuit Inc. provides solution to its customers on significant business problems such as income tax filling, digital banking solutions to financial institutions by providing products such as Quickbooks, Turbo tax and Quicken (Intuit Inc, 2014). Intuit Inc. company is a publicly listed company, which is has some potential of wealth maximization to investor. According to the company’s management assertions, it seeks growth by growing its core businesses by acquiring new users through expansion of its product categories and increased awareness and building businesses and venturing to new markets through acquisition and partnerships. Thesis statement Intuit Inc has been doing enough to warrant the wealth maximization for its shareholders. This has involved the maximization of the intrinsic value of the shares, that is, the price of a share that incorporates all information available to an investor. Financial statement review The choice of Intuit Inc. was influenced by factors such as its dedication to value maximization of shareholders wealth and...
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...How Financial Assessments Help Organizations Managerial Analysis Abstract Financial assessment provides management with the ability to make critical business decisions for their organization; this involves examining existing data to gain insight on the current and future condition of their organization through the balance sheet, income statement. In the book, What Every Manager Should Know about Financial Analysis, Alan Donahue states “The inability to understand and deal with financial data is a severe handicap in the corporate world”, which seems fitting to mention as I discuss in this paper the significance in doing a financial assessment and some of the necessary tools that are needed in order to do a financial assessment. Basic Concept of Financial Analysis for Organizations and its Importance Financial analysis is an assessment of an organization that will determine the organization’s risk and profitability through reported financial information; the two main sources for retrieving such information are the balance sheet and income statement. The balance sheet also provides a wealth of information that enables the organization to determine its stability, vitality, and profitability through utilizing ratios. Ratios can determine the overall performance of the company through such things called liquidity, leverage and profitability. Balance Sheet The balance sheet outlines the the financial and physical resources that a company has avaliable...
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...Critical assessment of four financial instruments in the Islamic financial markets Raja Shahridatul Dewa Binti Raja Musa C070187 This project paper is a partial fulfillment of Module IB2001of Part 2 of Certified Islamic Finance Professional (CIFP) INCEIF September 2008 Critical assessment of four financial instruments in the Islamic financial markets Raja Shahridatul Dewa Binti Raja Musa Abstract There has been remarkable growth in the Islamic finance industry and seen double-digit growth in recent years. Increasing numbers of Islamic financial institutions are attempting to penetrate the international markets in meeting the global demands for Islamic finance. This calls for the development of innovative Islamic financial instruments which are shariah compliant that represent as alternatives to conventional instruments covering areas of Islamic banking, Islamic insurance, Islamic equities and Islamic bonds/sukuk. A parallel development of Islamic financial markets should also take place that look into the aspect of liquidity and cash flow management. At the same time legal and regulatory requirements are needed to ensure the smooth functioning of Islamic financial institutions. Given the uniqueness of the operations and transactions comprising contractual arrangements and instruments, it is critical for Islamic financial institutions to identify specific...
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...Mr. Robert Craft Creative Activities Pty Ltd r.craft@creativeactivities.com.au Dear Sir, Re: Financial Assessment pertaining to Creative Activities Pty Ltd’s Loan Application for $40,000.00 Thank-you for submitting both the Income Statement and Balance Sheets for the years ending 2010 and 2011 for Creative Activities Pty Ltd. I have now had the opportunity to assess them and I have attached my report below. The bank uses a number of criterion to assess a company’s viability, profitability, efficiency and liquidity (see below) and I have utilised these criterion to assess the viability of Creative Activities Pty Ltd and the ability of Creative Activities Pty Ltd’s to service this loan. These criterion and their formulae are as follows: |Criteria |Formula |Description[1] | |Return on Assets |(EBIT/Average Assets)*100 |An indicator of how profitable a company is | | | |relative to its total assets. ROA gives an | | | |idea as to how efficient management is at | | | |using its assets to generate earnings. | |...
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...Leadership Competency Assessment The healthcare landscape is ever changing and I want to help shape a lasting healthcare future for generations. Healthcare is a fluid entity that needs to be nurtured and maintained. The St. Mary’s University Masters program for Human and Healthcare Services will lead, teach and help me to successfully navigate a new career in Healthcare. Moving up the hierarchal ladder within Allina Health system is my goal, to achieve this I must utilize my talents known and unknown. Strength Finder 2.0 assessment is the starting point for recognizing, capitalizing and utilizing my strengths. Achiever, input, deliberative, responsibility and consistency were my top five themes from the Strength Finders 2.0 assessment. As a clinical laboratory scientist (CLSI) my skills are: specimen management, customer service, dealing with physicians, RN’s, and Allina clients, and producing accurate results in a timely fashion for patient care. Constantly needing to achieve and move forward I advanced to the CLSII level my responsibilities grew from the ones already mentioned to, lead of Molecular microbiology STD testing which entails setting budgets, training personnel, writing procedures and implementing cost saving measures, daily department scheduling and workflow lead of 30 technologist. Information gathering is interesting and keeps me from getting bored at work. In my personal life I have collected rocks of all shapes and sizes, books, yarn and pinterest...
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...MANAGING YOUR FINANCIAL SITUATION Cancer and its treatment can leave a survivor with a need to review current and future financial goals. Events such as illness, disability, employment changes and investment disappointments can affect your personal and financial well-being. An assessment of your situation can help define your present financial status as well as prepare for future planning, saving, spending and dealing with financial emergencies. Preparation for changes and challenges to finances can contribute to increased financial security. ------------------------------------------------- Assessing and Managing Your Financial Situation: Detailed Information This information is meant to be a general introduction to this topic. The purpose is to provide a starting point for you to become more informed about important matters that may be affecting your life as a survivor and to provide ideas about steps you can take to learn more. This information is not intended nor should it be interpreted as providing professional medical, legal and financial advice. You should consult a trained professional for more information. Please read the Suggestions and Additional Resources documents for questions to ask and for more resources. Cancer and its treatment can leave a survivor with need to review current and future financial goals. Dealing with financial matters might seem overwhelming. However, an assessment of your current situation can help define your present financial status, as...
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...Financial Assessment Sales Projecting sales for Sesame is a difficult proposition as it is a relatively new idea in a young industry; thus generating a high variability in sales probabilities. The variation is sales will stem from how consumers perceive the brand and the effectiveness of the product. The most accurate way to predict sales is to use data from similar products in the industry, along with data from the target market to create an accurate forecast. Reasonable estimates suggest that a low of 20,000 units could be sold in the first year, with a high of 30,000. Considering the low price point of the product, and the benefit of simplicity, it appears completely justified to have sales numbers in this range. Using sales data from competitors allows Sesame to see whether or not consumers accept the product and if it is able to compete with others in the industry. Using this high low analysis gives an indication of whether or not the company can be profitable if sales were to fall below desired levels. Fixed Costs Website - Operating a website is extremely simple, cheap, and efficient because of the abundance of hosted solutions available. GoDaddy, the world’s largest host of domains, provides an ecommerce solution for $27 a month, and allows for unlimited online transactions. Rent/Utilities – In order to accommodate shipment and inventory needs, a warehouse will be required. A 1000 sq. ft. rental in Brampton, ON, will serve as both an office space and warehouse...
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...1) When should employers reassess the assessment methods they use in hiring? Assessment methods should be reevaluated if organizations desired goals and expected outcomes of hires are not achieved. Business and staffing strategies will differ and may require multiple methods of assessing to accomplish staffing objectives. Methods provide effective and/or efficient means to identify applicants/candidates ability to be a successful hire. Factors employers should consider in determining if assessment methods may require evaluation; • High employee turnover rates • Poor performance related to new hires • Low applicant rates • Declines in organizational productivity • Screening of applicants effectively • Identification of competencies requirements (Person-job fit) • Identify development needs and/or capacity to obtain knowledge • Organization and cultural fit (Person-organizational fit) • Talent and HR philosophy alignment to business strategy • Other attributes; personality, attitude, motivations, teamwork and interests (Person–group fit) and (Person-vocation fit) • Validity/reliability and accuracy of method to achieve staffing goals • Minimize adverse impact, ethical and legal concerns • Maximize ROI/costs of hiring • Candidates reaction (fair, consistent and objective) Source: Strategic Staffing 2nd edition – Phillips and Gully. Chapter 9 Assessing External Candidates page 233- 240 2) Discuss the advantages and disadvantages of both structured...
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...Unit 18 1.1 Assessments are used to find out the beliefs, preferences and needs of the client. This enables us to meet their needs and promote their aims and objectives. A pre-admission assessment is carried out to ensure that we can meet their needs within the home, once admitted this is then extended to look at all aspects of the client’s needs and to develop a support plan. The assessments are all about the person and reflect their needs and wants and are user led. Information is gathered about the individual to help understand more about their needs, strengths and abilities, views and wishes. Once their personal circumstances have been identified, we will look at how these affect their independence, daily living and quality of life. We complete various assessments for each client...
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...Commonwealth Bank Open Advice Review program Fourth Report Prepared by Promontory 2 February 2016 Promontory Financial Group Australasia Level 32, 1 Market St | Sydney, NSW, 2000 +61 2 9275 8833 | promontory.com Commonwealth Bank Open Advice Review program Fourth Report 2 February 2016 Promontory Financial Group Australasia (Promontory) has been engaged by the Commonwealth Bank Group (Bank) as an Independent Expert to oversee the Bank’s Open Advice Review program (Program). Promontory is responsible for monitoring, reviewing and reporting on the Program and its progress. This Report provides an update on the Program for the period between 1 September 2015 and 31 December 2015. A legal representative of the Bank reviewed a draft of this Report to identify any information subject to a claim for legal professional privilege. There were no such instances identified. Promontory also provided a draft of the Report to the Bank for the purposes of identifying any errors. Promontory retained final judgement on all views and information in this Report. Promontory’s role in the Program is limited and may not incorporate all matters that might be pertinent or necessary to a third party’s evaluation of the Program or any information contained in this Report. No third party beneficiary rights are granted or intended. Promontory is neither a law firm nor an accounting firm. No part of the services performed constitutes legal advice, the rendering of legal services...
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...Process I was selected by the HR manager in KSA to fill a vacancy position in the supply chain department. I was emailed for that purpose by him. Someday after he sent me an email which include the link for assessment test (an online test that is divided into four sections). First section is a competency test when you have to distribute 6 point among three phrases that describes you at work and it should. Second part was a proficiency test. Third part was a mathematical reasoning test. Last part was a verbal reasoning test. Two days later, I got the results on Jotun website. After that, the HR manager called me and said that you just passed the online assessment test. Then, I was asked to come for an interview. The interview was done by the HR manager and SC manager. They asked me regular and technical questions both. It was related to work, personal, back to university life and so on. They sent me the acceptance email one week later as a candidate to the assessment centre. They arrange everything related to your stay at the assessment centre such as transportation, flight, and hotel booking. The assessment centre starts at 8 a.m. There were six candidates for two positions. We were introduced to the SC manager, regional purchase manager and three persons from the assessment centre. We were given as a start a group discussion case for half hour. It was about Extra Budget and the direct manager needs you to spend in a healthy way as a XXX manager. Then, we were divided as a batch...
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...Self-Assessment Tasks Plan MBA6004 Foundational Skills for Business Leaders Unit 1 Assignment 1 Introduction This report is a self-assessment of the written and Excel skills evaluation that is required by Capella. Based on the results from the assessment, the student is required to create an action plan for improving those skills in this course and future courses. The self-evaluation consists of three components. The first assessment consists of 20 multiple-choice questions. The second assessment instructs the student to write an essay on a given topic. The final assessment consists of 20 multiple-choice questions to determine the student proficiency and competency with Microsoft Excel. Once the self-assessment has been completed, the outcome of each assessment is made available to the student. This paper will discuss the steps that will be taken while pursuing my MBA degree. Learner Action Plan The Action Plan tab is designed to help students organize and manage key academic courses, structure professional and life tasks to support the students through the program to ensure overall academic success. The Skill Enhancement tab provides an extensive list of tutorial and self-paced courses to improve both your writing skills and Excel skills. Figure 1: Skills Enhancement Based on my assessment results, an action plan was developed that involved improving my writing and enhancing skills in Excel. My action plan does show that the dates that have been set to complete...
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