Introduction In the formative years of the United States, establishing a robust financial system was paramount to the nation’s survival and growth. This task was entrusted to Alexander Hamilton, the first Secretary of the Treasury, whose vision and strategies laid the foundation for America’s economic prowess. One of Hamilton's most enduring contributions was his approach to managing the national debt,...
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Just as human beings cannot survive without water and food, so too do they need to develop the ability to communicate their desires to access the basic needs of life. Thus, language serves as an essential tool not only to get meaning across, but also to learn and acquire knowledge and skills. Formal education in various subject areas has made...
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Introduction Equity is accepted as a wonderful creation of court of chancery which expects the perfection of the justice for all, surpassing the boundaries of Common law and it came to ensure the fairness in Common law system where justice delivered through rigid and inflexible series of actions. The concept of equity derived from of natural justice because it mainly...
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Introduction Over the recent decades, the issue of the benefits and risks associated with Corporate philanthropy (CP) has been an evolving topic on shareholders and the society as they have developed stronger expectations of firms behaving in a socially responsible way. Houqe at el (2016) purport that society’s perceptions play an important raw in contributing to firm’s success in the...
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Abstract Risk tolerance can be defined as the maximum amount of risk by investment that an individual is ready to take. In this paper, we explore the relationship between demographic features and risk tolerance pertaining to an individual using the KMeans Algorithm. We also propose a novel architecture using graph embeddings in Graph Convolutional Networks (GCNs) to contrast the use...
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Money is any item or verifiable record that is generally accepted as payment of goods and services and repayment of debt such as taxes, in a particular country Banking in the other hand is an industry that handles cash, credit and other financial transactions as it is defined in Wikipedia. This essay will help us understand the history of money...
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What is Banking? Banking can be characterized as the business movement of tolerating and defending cash possessed by different people and elements, and afterward loaning out this cash so as to procure a benefit. Nonetheless, with the progression of time, the exercises secured by banking business have broadened and now different administrations are likewise offered by banks. The financial administrations...
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Equity refers to right doing, good faith, honest and ethical dealings in transactions or relationships between individuals. The ordinary conception of equity is,therefore, based on morality and is linked to what is normally exhorted in churches, mosques and other religious establishments. It is also captured by objective XI of the National Objective and Directive Principles of State Policy contained in...
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Introduction This study will try and identify the differences between the Islamic and conventional banking from earlier days as well as today. While looking at the differences the study will identify the advantages and disadvantages for both sides equally. It will also talk about finances for both banking systems. This study is going to look at all the sources available...
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Introduction Home equity loans have become a popular financial tool for homeowners seeking to harness the value of their property for immediate financial needs. These loans, which allow borrowers to access a portion of their home's equity, can be beneficial for funding major expenses such as home renovations, education, or debt consolidation. However, despite their apparent advantages, home equity loans...
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Abstract Online Banking is one of the major financial activities which will be carried out by any person who has a bank account. There are different activities that can be carried out once you log in to your bank account. Once a user logs in he or she can check the bank balance, check bank account transaction history or account...
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INTRODUCTION Banks global are organization that providing online and mobile financial, offering their clients a greater handy way to their banking affairs at the same time as at the identical time enhancing efficiency and saving on working prices. However, online banking has its drawbacks. Online banking account are often aimed by way of cyber criminals. Security issues remain a first-rate...
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Before I started writing this essay I was very confused on the difference. I did not know what to write about because I did not know the difference between racial equity and racial equality. After researching racial equity, I started gathering notes until I understood the difference. Racial equity is when a race gets help or resources to get them...
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In this essay I am going to be explaining the difference between both equity and equality, and I will also say what both words mean. Equity and equality are very similar but very different from each other. Both words are very detailed and have very strong meanings from each other. These definitions could be very a like but it could...
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The state of sport in Australia has progressed much faster than many countries around the world. Gender equity is well on its way to being a major factor that influences Australian sport. The current situation with gender equity is that most women’s sport teams are not getting the recognition and/or support they need. To be able to be as successful...
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Many have classified our current geological epoch as the Anthropocene, an era in which humans now act as the primary creators of geological change (Allen et al., 2018). This concept is captured in human-induced climate change; since the invention of agriculture and rapidly following the industrial revolution, we have altered our planet, and the consequences are presenting themselves more clearly...
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Abstract With the invention of the Internet, the rise of technology and bring your own devices, it has revolutionized the human society forever in terms of creating a new environment to do existing activities in a more efficient way. Realising the importance of this, banks have also made their presence online, giving their clients’ the ability to monitor their assets...
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In 2012, an elderly Muslim woman who lives in Canberra, Australia had left will after her death for her three sons and half shares to her five daughters. One of her daughters, Fatma Omari fought for a bigger share in court claiming that her mother has dementia upon writing her will and ultimately won the case. Unfortunately, this case had...
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When is equity achieved? According to the Portland Plan Progress Report, it is “when identity such as race, ethnicity, gender, disability, or sexual orientation has no detrimental effect on the distribution of resources, opportunities, and outcomes for group.” (Sustainability, 2017). Regions with greater inclusion and smaller racial income gaps attain more economic growth, yet most communities of color in the...
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Introduction As in the case study that Mr. Raj has recently graduated and got placed in a private sector bank and is unaware of the banking sector and its operations. Being his reporting manager, you need to brief him with the Principles of lending and need to explain him in details. Lending in its most general sense is the temporary...
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Beneficial State bank found in California is a community development bank. It was founded by Tom Steyer and Kat Taylor man and wife and the operation was started in the year 2007. The man aim of opening the bank was to providing entrance to financial services for all peoples, particularly the by tradition the underserved, as a considerable number of...
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Equity - the quality of being fair and impartial. Equality - the state if being equal especially in status, rights, and opportunities. To elaborate on the differences between the two, equity means fairness, but not necessarily meaning it is equal. For example, there are three guys. An eight year old, fifteen year old and a 45 year old. They all...
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Enron Corporation - one of the largest energy-based companies in America, eventually fell into the abyss of bankruptcy in the year 2001. The dramatic rise to power by Enron to later facing a dizzying fall shook the Wallstreet and affected thousands of people. This failure has been majorly been attributed to the unethical practices of the senior management. However, further...
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Social justice is the principle of being fairly treated with the distribution between wealth, opportunities and privileges in society. The idea of inclusivity of diversity and being supportive of all different people and their circumstance. There are three different principles of social justice. This is to ensure all people are provided sufficient resources and to empower them to improve or...
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Some organizations approach the issue of underperformance with rebuilding positions or moving workers. Another methodology is to terminate laborers with no renewed opportunities or support from the association. Enron put stock in rebuffing the most minimal fifteen to twenty percent with rejection, a demonstration that was overseen by friend audits. Hence, the way of life of Enron was one of...
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ABSTRACT With the success of the Bad bank concept in European and western countries it grabs the attention of global economies and becomes the most preferable solution for the Non-performing loans. Now Due to COVID 19 Pandemic Indian government also thinking of implementing Bad bank concept but is not easy as it seems in paper because there is no standard...
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Introduction The Enron scandal stands as one of the most infamous corporate collapses in history, epitomizing the catastrophic consequences of fraudulent accounting practices and corporate malfeasance. At the height of its success, Enron was lauded as a Wall Street powerhouse, a paragon of innovation that transformed the energy industry. However, beneath its gleaming facade lay a web of deceit and...
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Singapore become the one of the world’s largest financial centers that provide a variety of products and services. This country also have created one of the most advanced banking system in the world. The banking sector is involved in a wide range of financial services including traditional lending and taking deposit as well as corporate and investment banking activities. Most...
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