Transferring Capital Or Funds From Savers To Borrowers

Transferring Capital Or Funds From Savers To Borrowers The financial institution is the process to provide the financial service to the people. It can also say is the institution collecting the funds from the public into the financial assets. It also verifies by the government, so it is safe for the people to using. The main function of the financial institution transfers the capital between savers and those who need capital. The financial activities and function provide by the financial institution are bonds, debentures, stocks, loans, risk diversification, insurance, hedging, retirement planning, investment, portfolio management, and many other types of related functions. The way use by financial institution to transfer the fund can be defined by 3 ways; there are direct transfers, indirect transfer and financial intermediaries. The first way of a financial institution is Direct transfer can also call ask direct transfers of money and securities. Direct transfer means the organization sells its stocks or bond directly to savers and without any type of financial institution. For example, the party A and B is the relatives and the parties A want to transfer the money to invest the party B organization by using direct transfer; it is without any financial institution or financial market so this is call direct transfer. The advantage of direct transfer is saving the money, it because using direct transfer is without any taxable. Direct transfer is without any taxable because direct transfer is a process straight transfers the money to other account and is wont going through any financial institution so the government will not charge the tax because government is not know about it. The disadvantage of using direct transfer is complex. It is possible become complex because direct transfer is making by the two part y without any financial institution and it not have the professional person to help properly transfer the money and making the agreement, so in future maybe will happen conflict between the parties. The second way for transferring capital or fund from savers to borrowers in the financial market is indirect transfer by using banking house. Indirect transfer is a process to transfer the capital or funds through the financial institution such as investment banking house. Investment banking house is like the agency to help the organization to transfers the bond or stock into the money. It normally use by an organization that underwrites and distributes new investment securities to help the organization obtain their financial. An underwriter serves as a middleman and facilitates the issuance of securities to the investor. For example, an organization sells the stocks or bonds to the investment bank and investment bank sells these same securities to the savers. The advantage of this financial institution is more efficient and fast to transfer the bond or stock into the financial assets. It is because investment bank has required the professionals to given the organization accurate information and help organization to make the transfer process more efficient and wont getting problem. The disadvantage of investment banking house is need to spend more time to wait the process done by the investment banking house. It is because company need to waiting the investment banker sell the bond or stock into the money. The banker could not be estimate when can sell the bond and stock to the saver. Next, investment banking house give more confidence to the saver. Investment banker will provide fully information about company to saver review and give professional guideline about the investment to avoid wrong investment. Therefore, the investment risk will decrease and the percentages of faced loss also will be reduce by using the investment banking, but it will increase the cost because need to pay the intermediaries fees. The third way for transferring capital or fund from savers to borrowers in the financial market is indirect transfer buy using financial intermediaries. The indirect financial institution can be separated into three types such as Investment Intermediaries, Contractual Saving Institutions, and Depository Institutions. Financial intermediary is an institution that acts as the middleman between investors and firms raising funds. Financial intermediary will using the funds from the saver to purchase other securities from other organization and hold it for gain the profitability. The three major functions of the financial intermediaries are maturity transformation, risk transformation and convenience denomination. Maturity transformation is converting short term liabilities to long term assets. Risk transformation is converting risky investments into relatively risk-free ones. Convenience denomination is matching small deposits with large loans and large deposits with small loans. Financial intermediaries accept the saver to use the loan or securities to invest their funds. The financial intermediaries will provide the loan plan to the saver to properly using the loan to invest. Financial intermediaries can help to reduce the time. It is because financial intermediaries can transfer the financial assets into the money by the faster way. This is mean financial intermediaries will buy the assets from the customer and sells it in future, so it can reduce the time because some of the assets need longer of period to sell it or transfer into the money. Therefore, some of the people will use financial intermediaries to solve their emergence financial problem. Financial intermediaries can also help the saver to reduce the transaction cost such as consulting fee for getting information. In this situation, financial intermediaries will provide the completely information or professional advice to help the investors making the decision. Financial institution can be separa ted into three types such as Investment Intermediaries, Contractual Saving Institutions, and Depository Institutions. Depository institution is a channel to receive the funds from the public or manage their funds to invest other organization to gain the profit. When gain the profit Depository institution will return some interest to the people who are invest the funds in the depository institution. Depository institution can be defined in few types, there are commercial banks, savings and loan associated credit union and mutual saving bank. Commercial bank is the financial institutions provide the loan, saving, transactional, money market account, insurance, and stock brokerage service to the public. The examples of the commercial bank in the Malaysia are Affin Bank, Arab-Malaysian Banking Group, Bank Simpanan Nasional (BSN), Citibank Malaysia, Exim Bank Malaysia, Hong Leong Bank and other. The advantage of using the commercial bank is the risk is lower. It is because commercial bank has stronger financial background, so it will not easy bankrupt or facing the financial problem such as facing loss in investment. The disadvantage of the commercial bank is the percentage of interest maybe lower than other financial institution. For example, interest rate provide by the insurance institution always higher than the commercial bank. Moreover, a savings and loan association (or SL), also known as a thrift, is a financial institution that specializes in accepting savings deposits and making mortgage and other loans. Mortgage means using the something such as house, land or assets to make the loan with the savings and loan association. If the people cannot pay back the loan, the house will be taken over by the savings and loan association. The advantage of the savings and loan association is interest of saving deposit is higher than the commercial bank. Therefore, people will choose it to saving their money to gain more interest. In the additional, mutual savings bank is also a type of thrift institution. The function just seems like saving and loan associations which obtain the funds from other and make loan such as mortgage loan. Credit union is a non-profit financial institution that is owned and operated entirely by a group of members such as employee. Credit unions provide financial services for their members, including savings and lending. The condition to join a credit union is a person must ordinarily belong to a participating organization. When a person deposits money in a credit union, the person will become the member of the credit union. Last, contractual saving institution is an institution that obtains funds at periodic intervals on a basis contractual. It is normally use for the longer period of time. It is mean if the contract dead line is not yet reach, the saver cannot taking back the money from the contractual saving institution. Contractual saving institution can be defines into two types, there are insurance institution and pension institution. Insurance institution normally provide some of insurance services such as investment insurance, life insurance, endowment insurance, accident insurance and other. Examples of the insurance institution in Malaysia are Potential, AIA, Am insurance, Greaten Eastern and some more. Pension Institution is an associated that collects the funds from the retired person to help them invest the funds and getting back the interest or profit. In conclusion, using indirect transfer way is more efficient and safe then using the direct transfer way. Indirect transfers way have more benefit to the user. It also provides more service to the user. So, based on my opinion, I encourage the people to using indirect transfer way to manage money or making the loan.

Monasticism And The Code Of Chivalry :: essays research papers

Monasticism and the Code of Chivalry In the Middle Ages, there were many factors contributing to the building of monasticism. One of the most important components of the fourth century came when the Christians believed that Jesus would return very soon. So they did not care what the world did to itself. Instead they waited for Jesus to fix things, but it did not happen. This caused the world to become a violent place to live. Christians were persecuted for their beliefs by the Roman Government. The Christians had enough and were ready to leave. Some Christians went to a place where they could have communion in peace without the fear of the Roman government, this place was Egypt. They were called hermit monks. But others, Christians, had their ideas of the way that a Christian life should be lived. They wanted to live in a community, so they could worship together as a group instead of being alone. Benedict of Nursia established a rule that was used by most of the monks as a way of life. In this there were three specific vows, they are used to make it easier for monks to be closer to God. They are poverty, chastity, and obedience. Poverty meant that the need for money and material possessions were not needed as a means of worship. The monasteries gave the monks the things that they needed, and this was only the bare essentials. The monasteries made their own money by owning land and selling surplus products. Thus, they became very wealthy. Chastity meant that the men and women would not have sex or get married. This was said to have saved the monks from the "devilish acts" that happen when sexual desires were exploited for selfish reasons. Obedience was essential, each monk had to be absolutely obedient to their abbot. The purpose of this obedience was to develop personal humility, and to become more holy by becoming humiliated or less proud of one's self. Only making them worship and become closer to God. The monasteries were a place to get away from evil and anything to deter them from God. The Code of Chivalry means, if you own a horse than you can have wealth or power in the Middle Ages. As there are more people with horses, the tension gets tighter and tempers are flared, this is how elite soldiers and knights are

African American-European American Iat Essay

The version of the IAT, that I chose to take is the African American – European American IAT. There were a few steps in order to complete the test; the first step was to fill out information about myself. The questions that I answered were related to my age my educational status, nationality, religious beliefs and my current state of employment. The next step of the test was to choose either ‘E,† or ‘I,† to indicate my choice of African American for a picture of a African American or European American for a picture of a European American. The next series of questions asked me to select either African American grouped with â€Å"bad,† or European American with â€Å"good’. Another series of questions was visually posed this time with, African American grouped with good and European American grouped with bad. The results show that data suggests a strong automatic preference for European American’s compared to African Americans. My automatic preference was toward European Americans. The results of this test aren’t very surprising to me. In class we were told how the test would go, so I already knew what to expect. There was a small bit of doubt whether or not the test would indicate a strong preference for one or the other at all though, because I am Hispanic. I would have speculate that based on the fact that I grew up primarily in white suburbia in a private school that almost exclusively consisted of all white students, that my preference is a subconscious choice. I am most familiar with European Americans therefore I chose them over African Americans. There is a distinction between implicit attitudes and explicit attitudes, that distinction is simple. Implicit attitudes are the attitudes that we don’t think about, they are automatic. Explicit attitudes are the attitudes that are consciously controlled. According to Gawronski and Bodenhausen, in the text, Social Psychology,†Our automatic implicit attitudes regarding someone or something often differ from our consciously controlled, explicit attitudes†(p.51). From the results of the IAT that I took, I would have to say that my implicit attitudes towards African Americans, do not match my explicit attitudes about African Americans. The reason that I believe that my implicit attitudes are different from my explicit attitudes is that I usually make a conscious decision to be friendly and welcoming to any person that I come in contact with regardless of gender, race, age, or sexual orientation. The results are mildly surprising, however, I believe that I am more accustomed to being in the company of European Americans, and therefore I show a distinct implicit attitude favoring them. Implicit attitudes are a dangerous thing; we should pay particular attention to how we label people explicitly, so that with time, we can manipulate our unconscious attitudes and impulse reactions to certain people. A good example of problems that people run into with their improper mind set comes to us from our text, Social Psychology. Age is the example Bugental and Hehman used in 2007, when they discovered that people treat the elderly differently than they do people whom are younger, they explain that â€Å"People’s perceptions of the elderly- as generally kind but frail, incompetent, and unproductive- predispose patronizing behavior†¦Ã¢â‚¬ (p. 308). It’s that attitude that people hold about the elderly that according to Bugental and Hehman, â€Å"predispose patronizing behavior, such as baby-talk speech that leads elderly people to feel less competent and act less capably’ (p. 308). It is important that we change our thinking, because if we continue to have the same biases, we not only do our selves a disservice in being implicitly and or explicitly inappropriate in our attitudes, but we also risk the chance of hurting others in our actions. Works Cited Myers, D. C. (2010). Social psychology (10th ed. ). New York: McGraw-Hill. Pages 51,308 Psych 312 Extra Credit 10pts 5-8-13 Eli J. Guymon Gender – Career IAT The second test that I took was the gender – career IAT. Before the test began, I was asked to report my beliefs about women versus men in the work force and women versus men in the home life. The second set of questions asked me to fill out information about myself. The questions that I answered were, what is my age, my educational status, nationality, religious beliefs and my current state of employment. Following those questions were questions about my family growing up, they wanted to know if I had a mother as a primary care giver, and if she worked outside of the home, specifying what she did for a living, and if there was a secondary caregiver, such as a father or step father, where they employed outside the home, and what their occupation was. The next step of the test was to choose either ‘E,† or ‘I,† to indicate my choice. The groupings in the first series of visual concepts to match were men’s names with the word men and women’s names with the word women. The next step was to match men with career minded words and women with household related words. Finally in the final sets of matching words the groupings were reversed so that men and household related items were a pair and women with career minded words belonged together. According to the results, data suggested little or no association between male and female with career and family. I did not have a automatic preference. My explicit and implicit attitudes match, I do not consciously nor do I subconscious place anyone in a group that favors either individual in the work place or family. I am not surprised by my results because I was raised in a home where my mother was a primary care giver but I also received care giving from my step father. Both my mother and my step father worked outside of the home. Both my mother and my step father shared responsibilities equally except where one person seemed to enjoy a task more than the other, that partner would assume say a specific domestic role that the other was happy to not have to do. For an example of a domestic role that both of my parents needed to be done but one seemed to favor it over the other, grilling outside, was my step fathers domestic role because my mother did not enjoy doing that work, and my step father rarely did his own laundry, because it was a task that my mother felt comfortable doing by herself.

School Violence - 2444 Words

School Violence Victoria Griffin Fayetteville State University The Importance to Be Aware Of School Violence in Education Today By Victoria Griffin December 1, 2014 Abstract: The importance of knowing about school violence, the cause of school violence, forms of school violence and they ways teacher can prevent school violence was observed. A recent act of school violence is announced and the content of why it is important for teachers to be aware of school violence. School violence is a very serious issue to address many young adolescents are become victims of school violence which results in lower educational opportunities for some student’s. In this paper I have research statistics amongst school violence and the†¦show more content†¦Another factor that I did not consider before researching this paper is the need to stimulate a child. Stimulation means to rouse action or effort in a child, schools and teachers who provide inadequate learning opportunities are one of the biggest contributors to disruption in preventing school violence. A student can be easily distracted if they are not being encourage and stimulated enough to f ocus on learning. You may ask yourself what role does nutrition has to play in school violence? Truth is nutritional intake plays a vital role in a child’s growth and development lack of proper nutrition can interfere with maturation of your child’s brain and body. Students who are malnourished are at a disadvantage when it comes to cognitive development and physical development because their brains and bodies don’t have the nutrition they need to grow. â€Å" Socioeconomic status (SES) is an economic and sociological combined total measure of a person’s work experience and of and individual’s or family’s economic and social position in relation to others, based on income, education, and occupation† (Ryan, Copper, 57). Low-income communities lack the financial support from the community children who attend these schools and these districts might not get enough nutrition orShow MoreRelatedSchool Violence And Schools Violence2781 Word s   |  12 PagesSchool violence has become a topic that many people are engaged in a debate about. It is difficult to make a definitive definition of school violence, because there are so very many components to it. 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