What is meant by a financial crisis?

“A situation in which the value of financial institutions or the value of their assets drops rapidly.” A financial crisis is often associated with a panic or a bank run that may collapse whole financial system of economy. The investors sell off assets or withdraw money from savings accounts with the expectation that the value … Read more

Asset pricing model capital

Currently, market analysts use the “Asset Pricing Model Capital” as the main instrument. However, given the distinctive characteristics of emerging markets, the analysis through this model can be inadequate and, therefore, be a factor that disrupts the proper functioning of the market: given that investor expectations are formed by observing the market with this model, … Read more

Similarities and differences in Islamic and conventional banking

This study seeks to address the similarities and differences in Islamic and conventional banking 1.0 Introduction This study seeks to address the similarities and differences in Islamic and conventional banking while attempting to prove that Islamic banking offers greater promise as a tool for economic upliftment and prevention of financial crises. A report by KPMG … Read more

Islamic Finance and Its Impact on Customer Satisfaction

ABSTRACT Islamic finance has been fully grown systematically and in prominence. it\’s currently wide called a viable different to traditional, thought finance. However, this ascension has been performed per sharia law beneath the restricted convenience of risk management tools, the framework of governance and regulative standards with the Islamic banking or Islamic financial set-up and … Read more

Household dept

In United Kingdom(UK), in March 2012, total household debt stood at £1,518.5bn in today’s prices compared with £1,630.1bn in March 2017. So in the past five years household debt has increased by an inflation-adjusted rate of 7.3%. (Inman and Barr, 2018) As of December 2017 average household debt is 57,830 pound and this figure is … Read more

Financial Crisis

A financial crisis occurs when a panic or a fear of the panic affects the overall functioning of the financial system (Metrick and Geithner, 2015). This is marked by the failure of banks, and/or the sharp decrease in credit and trade, and/or the collapse of an exchange rate regime, etc., generating extreme disruption of these … Read more


INTRODUCTION   Contrarianism and being a contrarian is challenging because it requires patience, conviction, hard-work and being able to withstand the challenge of appearing to be wrong in the short term. Sir John Templeton’s quote define contrarianism as: “To buy when others are despondently selling and to sell when others are euphorically buying takes the … Read more

The concept of accountability in the public sector

The concept of accountability in the public sector stems from the use of delegated authorities where the supervisor holds the subordinate accountable, and this evolves into a principle of ‘democratic chain of delegation’ where citizens hold executives accountable (Strom, 2000). While the meaning of accountability has been broadened to normative and value-laden domains, its framework … Read more

Increasing AOW-age

According to the latest schedule, as approved by the Dutch Senate as of June 2015, the AOW-age will increase by three months each year in the period 2016-2018, and by 4 months in the period 2019-2021. This means the AOW-age will be 66 years by 2018 and 67 years by 2021. From 2022 onwards, a … Read more


FINANCIAL RETIREMENT PLANNING: A STUDY AMONG MALAYSIAN WORKING ADULTS CHAPTER 1: INTRODUCTION 1.1 INTRODUCTION Chapter one aims to introduce the overview of the research topic. This study to examine the determinants of financial retirement planning among Malaysian working adults. This chapter will discuss briefly on the research background, problem statement, research questions, research objectives, and … Read more

Mutual funds

INTRODUCTION: A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money collected & invested by the fund manager in different types of securities depending upon the objective of the scheme. These could range from shares to debentures to money market instruments. The … Read more

Evaluting the Sources of Credit Risk in Commercial Banks of Nepal

Abstract The study was conducted to find out the significant differences between state-owned bank and private sector bank in the practice of measuring the sources of credit risk. This paper attempts to ascertain the perceptions of Nepalese bankers about the importance of identification practice of credit risk sources within the specific borrowers. The result of … Read more

UN – financial inclusion

.The United Nations General Assembly which is the main deliberative and policy making organ of the UN, on 25.09.2015 adopted a resolution for transforming the world by 2030 i.e. the Agenda for Sustainable Development as a plan of action towards eradicating poverty of all forms while recognizing the same to be the greatest global challenge. … Read more

Bank performance in Egypt

This research aims at examining the determinants of bank performance in Egypt by measuring the effect of the following factors: capital adequacy, assets quality, management quality, and liquidity on the bank performance measured by the profitability (return on equity) and the risk (the standard deviation of the return on equity ) in comparison analysis between … Read more

Mariner finance

When it comes to mariner finance, it avails loans that will help the poor-credit defaulter cover the daily expenses. Mariner Finance can be a good option for you if you have things like   A Poor Credit Score – The acceptable minimum score of the lender is 580. This is the reason why the annual … Read more

The currency of gold

Prior to the 1870s, European countries faced challenges trying to maintain smooth financial operations under various gold, silver, and bimetallic standards. Discoveries of silver, technological advancements, and France’s loss to Germany in the Franco-Prussian war were among the factors that eventually gave way to the emergence of the Classical Gold Standard in the 1870s. After … Read more

The Euro

The Euro is a currency based on the political and economic union that is the European Union. With 28 member states the European Union’s goal is to create a single European market that allows people, goods and services to flow freely within the confines of the Union. One of the Union’s attempts to accomplish the … Read more

Sovereign Wealth Fund

The Sovereign Wealth Fund is a state-owned investment fund. The past of Sovereign Wealth Funds dates back to 1950s. They have been becoming more and more popular in recent years. These funds pertaining to governments are large-scaled worldwide. Besides all these, there is a dispute whether it threats countries which is invested by SWFs or … Read more

What are Commercial Banks?

Commercial bank is defined as an authorized financial institution by the law whereby they receive money from individual and businesses as well as lending money to them. Commercial banks are open to the public and serve individuals, institutions as well as businesses (Study.com, undated). In a more detailed explanation, commercial banks is a financial institution … Read more

Investment Banking

Do you want to make money out of money? If yes, then the solution is Investment bank. To be precise, Investment bank is nothing but a bank which matches the expectations of people having the capital with people who need the capital. 1 It is a financial intermediary that specializes primarily in selling securities and … Read more