Finance Essay Samples and Papers Page 17

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Citibank IT Strategy

Customer Centricity In the recent past, most of the bank’s customers prefer to do business digitally. Over 60% of the customer transactions are now online. In the cards business, digital spending is increasing in double numbers compared to that of traditional swipe-and-pay transactions. There has been an increased level of satisfaction for customers embracing digital…



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Pages: 7
Words: 1727

Balling on a Budget

Everyone loves the holidays, whether it is spending time with cherished relatives and friends or just having the day off. Yet there is one thing that majority of us do not like to do: Spend money! Holidays can be taxing, literally, when low on money. Shopping may be demanding and expensive, but by using these…


Personal Finance,

Saving Money

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Pages: 3
Words: 506

Track Your Money to Save It

Everyone knows the importance of saving money: to protect against emergencies, to secure your future, etcetera, etcetera. However, saving money is often confused with penny-pinching. It is not necessary to deprive yourself of things that give you joy to build a healthy emergency fund; It might simply be a matter of allocating your money more…


Personal Finance,

Saving Money

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Pages: 2
Words: 453

Influence of Power and Money

Power is the strongest weapon one can have in their lives. Power has the strength to change everything and bring it in their favor. One can hold power in different forms and bring about a difference. Power of democracy gives the right to elect who would bring about a change in the country and with…



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Pages: 3
Words: 678

Tips for Financial Independence

For many, the idea of working full-time into our 60’s or even 70’s seems dreadful. The thought of toiling away at a stressful job for 10 plus hours a day, balancing a demanding family life, and never feeling like you have enough time over the course of a 40-year career is hard to fathom. The…


Personal Finance

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Pages: 7
Words: 1608

The Benefits of Financial Independence

Mason Currey, who wrote Daily Rituals while working as a magazine editor, explains that “having too much to do is an unbeatable motivator,” especially for those who balance various responsibilities at once (Currey, 2013). While some might believe that working for a living is most important to achieving intellectual freedom, writer Virginia Woolf defends the…


Personal Finance

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Pages: 5
Words: 1165

Comparison of Financial Indicators of Commercial Banks

ABSTRACT Keeping money area assumes an indispensable job in the monetary development. In this paper, an exertion has been made to evaluate the budgetary execution of the ten commercial banks working in Pakistan and the information has been taken for a five years i.e., 2013-2017. Besides, information were likewise collected from articles, papers, the World…



Financial Crisis

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Pages: 5
Words: 1082

Suggestions for Completing Applications Review

Please go back and review the funding source you previously chose–Do they have an electronic submission process? If so, are the directions clear with what you need in order to have the appropriate IT applications and equipment (provide detail on what they are). Based on the course reading is there anything you need to prepare…




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Pages: 3
Words: 668

Can We Say That Money Make One Happy

Happiness is not tradable or profitable, its an emotion for example, sadness, anger etc, it measures your entire life up until the present moment. It tends to last long or short for many people, happiness depends on ourselves according to Aristotle’s, but happiness means differently to everyone as what they are looking for. Our life…

Dream Vacation,



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Pages: 3
Words: 629
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What is finance?

Finance (in English finance, from Latin financia – income, cash) – a system of economic relations in the process of which occurs the formation, distribution and use of centralized and decentralized funds of money in order to perform the tasks and functions of the state.

Finance as a historical category

As a historical category, finance emerged simultaneously with the emergence of the state at the division of society into classes.

In times of primitive communal system there were no classes, there was no state. Further, in conditions of slave-holding and feudalism finances played an insignificant role in formation of monetary incomes of the state. The main types of state revenues at that time were tribute, robbery of subjugated peoples, in-kind taxes, etc. At the same time there were no distinctions between the resources of the state and its head, monarchs disposed of the country’s funds as their own. Only with the allocation of the state treasury and its separation from the property of the monarch (16-17 centuries) emerged the concepts: public finances, state budget, state credit.

Public finance served as a powerful lever for the initial accumulation of capital in the 16th-18th centuries. Enormous wealth flowed from colonial countries to the metropolis, which could be used as capital at any time.

The public finances of the capitalist countries were characterized by a rapid increase in expenditure, primarily due to the increasing militarization of the economy. At the end of the 19th century, more than two-thirds of public expenditures were devoted to this purpose. The same picture of finances developed after World War II. A jump in public spending usually occurs in the years of wars.

In capitalist countries, at the expense of public finances, the nuclear industry was created, the public sector of the economy increased sharply, spending on scientific and technological progress (STP) increased, etc. New expenditures appeared for environmental protection, subsidies and loans to developing countries.

After World War II, the sphere of financial relations also sharply expanded. Local (regional) finances, extra-budgetary special governmental funds and finances of state-owned enterprises were developed.


The essence of finance

The essence of finance characterizes financial relations, which express the process of distribution and redistribution of the value of the social product on the basis of which monetary funds of social reproduction are formed. These include:

entrepreneurs owning capital invested in the sphere of production, sale of goods and services;
able-bodied people engaged in hired labor;
the state, which owns natural resources and regulates the economy on a national scale.
There are two spheres of financial and monetary relations:

Centralized – these are monetary relations associated with the formation and use of monetary funds of the state (state budget, state credit, extra-budgetary funds, etc.).
Decentralized – the finances of enterprises of all forms of ownership.
Centralized and decentralized funds of money are organically interrelated.

The subjects of financial relations, between which the financial flows are formed, are:

  • Enterprises, entrepreneurs;
  • The working population;
  • The state.
  • The scale and intensity of financial relations depend on the economic activity of economic entities and the population, the social policy of the state, etc. The value form of movement of goods generates a monetary turnover. This is the essence of finance.


Financial system

The totality of financial relations in which funds of money are formed and used.


Financial policy

The totality of measures for the use of financial relations for the performance of tasks and functions.

Finances of commercial organizations
Represents economic relations arising during the formation of production funds of production and sale of products, the formation of their own resources, attracting external sources of funding, their distribution and use.

Public finance

Monetary relations are associated with the formation, distribution and use of funds.

Topics and ideas for finance

  • Determinants of Dividend Payout Ratio
  • Ways to Overcome the Financial Crisis in the UK
  • International Finance Transactions: a Critical Appraisal and Evaluation of the Practical and Legal Methods for Transferring Loans In a Syndicated Loan Participation Agreement
  • The Financial Impact of Student Debt on Working and Retired Americans
  • The Historical Impact of Hamiltonian Economics
  • Impact of Privatization on Profitability and Capital Employment of State-Owned Enterprises in the United States
  • The Role of Foreign Institutional Investor in Developing Domestic Firms
  • Ways to overcome financial crisis
  • Issues on global currencies
  • Banking systems in your respective country
  • E-commerce on Internet Commerce and Stock Market Crises Review
  • Case Study on Costing
  • What are Bonds?
  • Discuss the difference between traditional finance and behavioral finance.
  • Study on the impact of budgetary controls on the performance of an organization study.
  • Critical analysis on the use of financial statements in assessing the performance of an organization.
  • Ethical Aspects of the Financial Crisis
  • Impact of Macroeconomics on The Global Stock Market
  • Using Credit Lines in Managing Corporate Liquidity
  • The Role of Innovative Management Performance on Corporate Financial Returns
  • Importance of the Banking Sector on the Growth of a Nation
  • Review and Importance of Margin Financing
  • Using Macroeconomics to Predict Bankruptcy
  • Capital Structure and Corporate Strategizing
  • Investment analysis of a company of your choice.
  • A detailed report on working capital management.
  • Finance as a tool that regulates the economics.
  • The role of financial markets in mobilization and distribution of financial resources.
  • The finance management in the United States and factors that can make it perfect.
  • Finance in join-stock companies.
  • Constant growth in productivity is an effect of accounting software
  • Finance management is transforming and technology is a big cause


Videos about Finance

  1. 1. Introduction, Financial Terms and Concepts


2. William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour | Big Think


3. Financial Education | The 4 Rules Of Being Financially Literate



Interesting infographics about Finance

1. Spending percentage in US for 2019 year

2. Some financial facts


3. First bank

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