Womens Experience Mortgage Credit - 1225 Words

4. Conclusion The purpose of this study was to examine whether women’s experience mortgage credit after the 2008 housing crisis. Origination, denial, and fallout rates were produced from HMDA data and fallout rates. These rates captured the behavioral performance of lenders during the loan underwriting process; thus, shedding light on women s credit experience as compared to men in the mortgage market. Between gender comparisons, the results reveal good news. The women‘s mortgage credit experience is statistically equal to men as measured by mortgage origination, denial and fallout rates. These findings are consistent with some mortgage gender stud-ies such as Dietrich and Johannsson [15], Robinson [9], Awoonor-Williams [14]. They are in contrast to other studies, Woodstock Institute [10] and Cyr [11]. Dietrich and Johannsson [15] study used a multivariate model, which control for economic factors considered during the underwriting decision. They found 15 of 18 fair lending e xams had no statistical gender effect on the decision to deny a mortgage. The Robinson [9] study found that applications for low-income women were more likely to be originated than men of similar income. Awoonor-Williams [14] found that being a female statistically did not increase applicants’ denial experience; results were based on Freddie Mac s national consumer credit survey and logistic regression analysis. Control-ling for income and loan type, Diabate [13] found little differencesShow MoreRelatedCorrelation Between White Males And Females1723 Words   |  7 Pagesstudy was to examine whether women’s experience mortgage credit after the 2008 housing crisis. Origination, denial, and fallout rates were produced from HMDA data and fallout rates. These rates captured the behavioral performance of lenders during the loan underwriting process; thus, shedding light on women s credit experience as compared to men in the mortgage market. Between gender compariso n, the re-sults reveal good news. The women‘s mortgage credit experience is statistically equal toRead MoreThe Effects Of Income Inequality For Educated Women1691 Words   |  7 Pagesstill a motivating factor for many students. But what if perusing a degree in order to obtain these positions meant that you still earn less than your male counterpart? Although this situation may seem unreal to many, millions of educated women experience an unjustified wage gap in the United States. While income does change with advances in education such as earning a masters or doctoral degree, wage inequality becomes very significant when the income of men and women with the same degree are comparedRead MoreExternal Macro Environment1645 Words   |  7 Pagescase, cars seller used to focus only the male, however since nowadays there are increasing number of women in workforce and they are able to earn money for living by themselves, they have the purchasing power to buy cars. In order to at tract the women’s attention, marketers introduced cars that suit female in term of sizes and colours. For instance, Honda makes a new product which is Honda Jazz. It created especially for the women, from the form and sizes and colour that suit women, specificallyRead MoreMgmt Final Paper1256 Words   |  6 Pages Alright lets say Mom and Dad choose to go for the most affordable plan the Bronze60, pay attention now I am going to explain what this plan covers; The preventive care visits are included in the plan at no cost for example annual checkups, womens wellness checkups, diabetes test etc., this is big a beneï ¬ t of that was made possible by Affordable Care Act, but what about an unplanned visit, which is the reason for having the insurance, right? Well the ï ¬ rst two basic ofï ¬ ce visits are $60 dollarsRead MoreThe Evolution Of Poverty During The Civil War1654 Words   |  7 Pageshistory. War impacted the economy of the country after the Civil War. The twentieth century would see wars, natural disasters, and economical depressions that contributed to the developing culture of poverty. Poverty in any time period is a shattering experience. While being poor during the Reconstruction, the Great Depression, and the Civil Rights movement were each devastating, the nature of poverty would evolve as the culture of each decade evolved. The character of poverty changed most dramaticallyRead MoreThesis on Empower Women Through Micro Credit Programmes18140 Words   |  73 Pagesfor women. Reports indicate that self-help programmes, often in the form of savings and credit or micro credit schemes, have succeeded in changing the lives of poor women, enhancing in comes and generating positive externalities such as increased self-esteem. This paper addresses the challenging issue of whether self-help micro credit programmes are tools for empowering poor women. Micro credit is about much more than access to money. It is about women gaining control over the meansRead MoreInternship Report in Search Credit Savings Samabay Samity Ltd.6401 Words   |  26 Pagesdepartments and to evaluate the performance of the different departments of Search Savings Credit Cooperative Ltd. 1.04 Methodology: The methodology of the report is stated below, which was appropriately exercised in achieving the above stated objective. 1.05 Time period of the study: For the fulfillment of my desired purpose the working 90 days I have spent in various departments of Search Savings Credit Cooperative Ltd, Sylhet Branch, 807,West World Shopping City, Zindabazar, Sylhet, BangladeshRead MoreBook Review : Alice M. Rivlin1823 Words   |  8 Pagescrisis (Systematic†). Rivlin made drastic changes in the U.S financial system. One of her strongest opinions was when Wall Street crashed and the economy started to spiral. She believed that Main Street ran on credit and could no longer prosper if the financial system is in shambles, and the credit dries up. She also believes the Federal government does not aim to protect big businesses but instead protect the well being of the country and the people. She believes that the Fed’s action did not want toRead MoreBusiness Enterprise And Its Internal Environment2854 Words   |  12 Pagessustainability office to under activities with volunteers called GreenCorps, promotes association with diverse group owned business, etc. Along with maintaining a holistic and nurturing culture in the organization it is one of the top performers in the credit and debit industry. It has shown positive growth in its financials and maintained stability in the stock market. Though the company has not outperformed its industry trend, it has outperformed the markets. The company is able to well only becauseRead MoreGraduation Speech : College Degree1762 Words   |  8 Pagestold will make their life easier. And with the millions of Americans contributing to the $1.2 trillion in student loan debt, defaults are at an all-time high. This is the second largest consumer debt in the entire country, falling behind mortgages but exceeding credit card debt and car loans (Ross 1.) While it is obvious and understandable that we as citizens want our Doctors, Rocket Scientists, Engineers, and Architects to have as much schooling and training as possible, studies are now showing the

Military and Corporate Strategy - 7776 Words

Business and Management 2010-2011 Military and corporate strategy Corporate and Business Strategies [pic] Alexandre de Rodellec Bettina Voisin Fleur Bazin Alicia Dutheil Aimeric Raynaud Introduction: Stake of the topic Definition of key words Establishment of paradoxes Issue as a question form Announcement of the plan I. The historical origin of strategy A. The birth of military strategy: Sun Tzu - Main actors - Historic main events of the evolution B. The concept of business strategy - What is strategy about? - Different kind of company†¦show more content†¦On the other hand, a business strategy is about building. Actually, the main goal is not to destruct but at the opposite to build something in order to get earnings. In the same time, the way to get through this objective implies to fight against different kind of enemies. As soon as we speak of fight, we have to deal with plan and strategy. This mutual way of intellectualizing and rationalizing a fight, which used to be instinctive for animals, is a very important concept. Issue as a question form: The principal difference between fighting for one’s life and fighting for money allow us to ask the following question: Does an economic project can be managed as a war? Announcement of the plan: This demonstration is going to be developed through three different outlooks. The first one deals with the historical birth of strategy and its main evolution among the centuries. Then we will expose the relations and the interactions of military strategy and business strategy. And finally, we will raise a certain numbers of limits to underline the fact that strategy is not a science. I. The historical origin of military strategy A) The birth of Military Strategy Military strategy is a set of ideas implemented by military organizations to pursue desired strategic goals. Military strategy deals with the planning and conduct of campaigns, the movement and disposition of forces, and the defeat of the enemy. SeveralShow MoreRelatedCorporate Social Responsibility ( Csr ) Encompasses Business Practices Involving Actions988 Words   |  4 PagesCorporate Social Responsibility Corporate social responsibility (CSR) encompasses business practices involving actions that benefit the organization and the stakeholders, which comprises of the society (Schermerhorn, 2012). â€Å"CSR is becoming more mainstream because pioneer companies are embedding sustainability into the core of their business operations to create shared values collectively for business and society.† - Liz Maw Understanding Microsoft’s Corporate Social Responsibilities MicrosoftRead MoreThe Ensuing Conflict Of Labor Vs. Capital1627 Words   |  7 PagesThe ensuing conflict, between labor vs. capital, during the late 1800s initiated a struggle of power in the workforce between the rich-industrialists (or corporate leaders) and the middle-class/lower-class workers. The Capitalists had intervened with the protests orchestrated by the workers, ensuring that the power remains with them. The strategies of the industrialists and the unique ways of protesting from the workers, contributes to spur a vigorous argument between the employers and their employeesRead MoreExamining the Article: Managers’ Business School Education and Military Service: Possible Links to Corporate Criminal Activity1144 Words   |  5 PagesRecently, the public take notice of corporate lawbreaking because of scandals on Wall Street in past years (Jaboub, 1995) and headline of prosecution to global organizations on the media, for instance, Exxon, Nippon, IBM and Samsung (Cor porate Crime Reporter). These corporate criminal activities not only raised remarkable economic losses for stockholders (William et al., 2000) but also eliminated benefits of the public (Jaboub, 1995). Therefore, the researches of corporate crime are argued for many decadesRead MoreIvan Seidenbergs Leadership at Verizon Essay1101 Words   |  5 Pagesnumber one in diversity for 2009 (â€Å"Corporate responsibility†, n.d.). Verizon was also recognized for their recruitment and retention which ranked 2nd of the businesses that participated in DiversityInc’s survey. In 2010 Verizon dropped to 11th in diversity from DiversityInc’s survey (â€Å"DiversityInc top 50 companies for diversity†, 2011). DiversityInc reviews 4 categories for their ranking of companies. Those categories are; CEO commitment, Human Capital, corporate and organizational communicationsRead MoreBlue Ocean Strategy789 Words   |  4 PagesSTRATEGIC MANAGEMENT ASSIGNMENT # 5 BLUE OCEAN STRATEGY October 24, 2014 Case Study Question 1 Critically analyze the case. Solution 1 In this case study, the author has discussed different methods and strategies which global firms are adapting to achieve success and to grow exponentially in their relevant industries. This article has focused on two strategies, Red Ocean and Blue Ocean particularly. These strategies are used to define the environment a firm is operating in and toRead MoreUsaa Company Analysis1183 Words   |  5 PagesServices Automobile Association Company Information amp; Business Strategy The United Services Automobile Association (USAA) is a Fortune 100 company as of the year 2009 that primarily sells life and property insurance to its 7.7 million members, which consists of active and retired military personnel and their family members (www.biz.yahoo.com). They also offer such services as banking and investment management, focused on helping military persons to manage their money wisely and offer them servicesRead MoreThe Concept of Strategy and Strategic Management1718 Words   |  7 PagesTHE CONCEPT OF STRATEGY AND STRATEGIC MANAGEMENT G. Tyge Payne, PhD 1 Strategic Management Strategy: The unifying theme that gives coherence and direction to the decisions of an organization Strategic Management: Consisting of the analysis, decisions, and actions an organization undertakes in order to create and sustain competitive advantages. Or, the Strategic Management Process is: The full set of commitments, decisions, and actions required for a firm to create value and earn aboveaverageRead MoreBook Review of Sun Tzus The Art of War1209 Words   |  5 Pagesï » ¿The Art of War by Sun Tzu Translated by Samuel B. Griffith Oxford Oxford University Press 1963 ISBN: 9780195015409 Keywords War Strategy Enemy Tactic Summary Translated by Samuel B. Griffith, The Art of War is a timeless classic on military strategy. Over time, the book has been used as a point of reference by military strategists, chiefs of corporations, and business executives. To win in any undertaking, be it in business or warfare, one should be an excellent planner. In additionRead MoreStrategy without action is only a daydream, but action without strategy is a nightmare Discuss the benefits of formal corporate planning in directing organisational action1588 Words   |  7 PagesIS STRATEGIC CORPORATE PLANNING RELEVANT IN THE 21ST CENTURY? This essay will discuss the benefits of corporate strategic planning. Firstly, we will look at what strategy is, and why strategic planning is important to an organisation. Secondly, what types of strategic models are used for planning, and finally given that organisations are increasingly complex and market dynamics are constantly changing is there a need for strategic corporate planning in the 21st century. It is hard to get a properRead MoreThe Critical Analysis Of Sun Tzu s The Art Of War1002 Words   |  5 PagesIntroduction The leadership is an art which is based on invention, determination, irony, and a reflective identity (Grint, 2000). The Sun Tzu’s the Art of War is an ancient remaining military piece in the world and often considered the best. This book has powerful principles of human behavior and rules of conduct for military leaders. It also enumerates philosophies of war and how to win battles in any situation. The maxims of a Chinese legionnaires who lived more than 2000 years ago can help modern

Teaching/training cycle Free Essays

Teaching should be a learning experience for both the teacher and the students; we never stop learning, whether it is the unconscious referral to past experiences that prevents us taking a wrong turn down a well trodden path or a conscious decision to learn a new skill. As teachers it is our role to ease learners through the process of learning, Coffield, F (2008) supports this by stating that teaching and learning are not separate activities but â€Å"intertwined elements of a double sided, interactive process† which is enabled by the understanding and implementation of the key stages of the teaching/training cycle. The 5 Key Stages are: Identify needs, Planning and design, Delivery, Assess Evaluate. We will write a custom essay sample on Teaching/training cycle or any similar topic only for you Order Now Identify needs: Adult learners bring a wide range of abilities, skills and life experiences to the classroom and these can influence the way they learn. It is a crucial responsibility of the teacher to ensure that learning needs are identified in order that delivery can be planned or adjusted to meet these needs. When delivering short, legislative courses, identification of needs is not always achieved prior to commencement of delivery for many reasons. In some cases enrolment is completed by employers who may not be aware of learners’ literacy, numeracy or special needs, (e. g. dyslexia); some learners may have had previous bad experiences of learning but require the qualification to do their current job, or employees may just â€Å"have been sent† by their employer so may bring a negative attitude. It is the teacher’s role to identify any issues as early as possible and to implement delivery and support strategies ensuring learner needs are met throughout the delivery, at the same time respecting learners’ rights to confidentiality. Planning Design: It is the responsibility of the teacher to plan and design the course to meet the needs of the learners and the awarding body. Occupation specific courses have very prescriptive learning outcomes, aims and objectives so it may be suggested that the teacher has little involvement in course planning or development. As supported by Armitage et al (2003) even highly prescribed courses still allow some freedom to interpret, resource and emphasise the various course elements in our own way. Every group of learners is different with a wide variety of learning needs and although the base design of the course remains the same each course delivered is adapted with varying resources, exercises, and anecdotes drawn from working experience. Many of these adaptations are made â€Å"on the hoof† in response to the limited learner knowledge prior to commencement of delivery. Delivery: The teacher is wholly responsible for delivery of the learning programme to achieve identified aims and objectives whilst meeting individual learner needs. Delivery should incorporate differentiation to allow for individual learning goals and expectations, competence levels and speed of progress and there should be a variety of learning methods utilised, while the pace of learning should be varied to maintain interest and concentration. Teaching should allow for different learning styles, such as VARK learning models learning styles identified by Honey Mumford, active learners should also be encouraged. Responsibility for the safety of the learners lies with the teacher, from both the physical and emotional viewpoint who should ensure that no learners are being discriminated against by themselves, other learners or the organisation as a whole. When delivering occupational training in the workplace an enhanced level of professionalism may be applicable to standards of dress and conduct, the teacher is also responsible for ensuring these standards are met. Assess: It is the teachers’ responsibility to ensure that learners are progressing and achieving throughout the course through a variety of methods of formative assessment. Methods of assessment must be linked to the course delivery and learning objectives supported by a clear idea of what students are setting out to learn and how far down the line they are to mastering that learning, as they progress through the course, this theory is well supported particularly by Minton (2003). The teacher is responsible for roviding timely feedback on learner progress which should be clear, concise and include both positive and developmental comments for learners to focus on. On legislative training courses summative assessment, is carried out in strict adherence to the requirements of the awarding body, however it is the responsibility of the teacher to ensure that all learners are aware of the format and assessment requirements and are provided with any agreed support to ensure equality of oppor tunity. Evaluate: The teacher carries the responsibility for evaluating the effectiveness of the teaching and learning of sessions and the course as a whole. Evaluations should cover content, resources used or needed, teaching methods and learner satisfaction. On legislative training courses, where each session makes up a module of the whole day’s course delivery, it is not always feasible to carry out a formal session evaluation however each course is evaluated in depth to ensure that strengths and areas of improvement are identified for future delivery. Learner evaluations and achievement provide useful feedback on course content, whether learners achieved their individual aims and objectives and whether they believe their learning has helped them in their working role, which is invaluable information when delivering occupational courses, however any changes to delivery must be tempered with any employees needs, as identified in the first stage of the cycle, and requirements of the awarding body. Adult learners already hold diverse life experiences when they arrive to learn. It is the role of the teacher to ensure that their needs are identified met through planned provision and delivered in a professional manner on order that they can achieve to the best of their abilities and ensure that they are happy with their learning experience. How to cite Teaching/training cycle, Essay examples