Finance Essay Examples for Free

Finance is a study of how a company’s funds are allocated and managed. It refers to the concept of financial strategic planning.

In a finance essay, you can analyze a financial crisis in a company. Another option is to discuss the impact of finance on the economy. You might also want to write a report on the profitability of a particular company. One more popular topic is the advantages and disadvantages of diversification.

Keep reading to find free finance essay examples below. Written by the best students, they will help you to get new ideas and start writing your own paper.

Finance

Price Elasticity of Demand

Introduction Economists use the term “price elasticity of demand” (PED) when talking about how prices respond to the supply and demand of a product. A product is defined as “elastic” when it reacts to price changes, which technically means that there is a relationship between the price of the product...

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Impact of the Global Financial Crisis

Introduction The global financial crisis of 2007-2012 has been well-thought-out as the worst financial crisis by several economists (Savoma, Kirton & Oldani 2011). The crisis resulted in the collapse of monetary institutions, downturns in delivery markets, unemployment, evictions from homes, and a dented financial market. The decline in consumer power...

International Finance: International Monetary System and Balance of Payment

The international monetary system is a mechanism that allows international companies and investors to perform financial transactions. In other words, it refers to the environment in which global entities deal with each other and carry out business and other activities. Thus, a comprehensive definition of the international monetary system is...

Cash Flow: Definition and Concepts

Definition and Concepts A cash flow statement represents significant financial declarations for a business or project. It provides information about cash receipts and payments of a venture for a given time frame (Profit, p. 33). The document is crucial for determining a firm’s stability in the business. Cash flow statements...

TANF and Medicaid: Review

TANF was enacted in 1996 and set 4 goals for the states using the program: “provide assistance to needy families so that children may be cared for in their own homes or the homes of relatives; end the dependence of needy parents on government benefits by promoting job preparation, work,...

Stephen Leacock’s “Wizard of Finance” Review

Introduction What a humbling confrontation of morality and business would Mr. Tomlinson observe if he ever gave it a deeper thought – although, according to the author’s plan, he never did. It is the readers that should think, and Stephen Leacock’s “The Wizard of Finance” easily provokes thinking. The author...

Analysis of Airport Governmental Funding

The problem of airport funding is exceptionally crucial in the circumstances of globalization. The laws about the budgetary were created in the last century and do not correspond to the needs of these organizations nowadays. Moreover, the topic of monetary sources also has to be taken into account as there...

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Chinese Banking System: Profitability, Assets, Equity and Performance Ratios

Introduction The Chinese banking system has grown from the centered model to the current vital conduit for the financial system to the macroeconomy. China has been practicing a fixed exchange rate financial system. However, in the recent past, this has been replaced by the floating financial system which has ensured...

Diversifying Funding Sources for Financial Sustainability: Clayton County, Georgia

Public libraries continue to attract millions of users as demonstrated by their heavily trafficked websites and ability to remain among the most trusted public institutions not only in the United States but also globally (Clark & Davis, 2009; Goodman, 2008). Allen (2003) employs the public choice theoretical framework to demonstrate...

Term Structure Models in the Banking Sector

Creating the environment in which financial operations can flow in a free an uninhibited manner is a crucial step toward the enhancement of a bank’s overall performance. However, the identified goal requires introducing certain control tools that will allow embracing the external and internal factors, thus, modelling possible outcomes (Wu...

Voluntary Disclosure: Comparative Qualitative Document Analysis

Introduction The contemporary business is operating under volatile conditions where the attention of stakeholders and the public predetermine the overall success of an enterprise. Voluntary disclosure, in this regard, is a way to inform the interested parties about the firm’s operations to cultivate trusting relationships. Indeed, according to Bourveau and...

Saudi Arabia’s Economy Analysis

Introduction Currently, Saudi Arabia is an important actor of the global economy, which indicates the relevance of its investigation. The paper will reveal trends in the economy of the country and will be organised as follows. Part 1 will show Saudi Arabia’s economic growth, unemployment and inflation. Part 2 will...

Different Aspects of Financial Stability

Bank performance Bank performance is seriously contingent on interest rates due to the fact that there are numerous ways to affect net interest incomes through bank operations. One of the essential issues linked to net interest incomes, for example, is that the incomes from holdings and loans do not always...

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Organizational Change Management: Fall Out From Global Financial Crisis

Executive summary Purpose To determine if the 2008 Global Financial Crisis was a planned or unplanned change based on government and organization reaction, to determine reasons why people and organizations resisted changes that were brought about by GFC and determine if Australian Government reaction to changes brought about by 2008...

Demand for Property Microinsurance in Canada

Introduction The term “microinsurance” refers to low-cost insurance products designed to satisfy the interests of poor communities by making financial risk management more affordable. Because it necessarily targets low-income communities, microinsurance has attracted the international attention of development policymakers as a tool for mitigating the worst effects of poverty.1 By...

The Role of Banks in the 2008 International Financial Crisis

Introduction In 2007-2008, a significant economic disaster was referred to as an international financial crisis. It occurred because of several reasons such as deregulation, securitization, and the involvement of banks (the growth of subprime mortgages and the raised rates on subprime borrowers), which will be thoroughly discussed in the paper....

How to Build an Emergency Fund

Introduction Morris and Morris (2007) in the Standard & Poor’s dictionary of financial terms have defined an emergency fund as one intended to endow with economic support for unanticipated expenses or for a time when one is not in gainful employment yet requires an income. Given that in life every...

The Causes of Exchange Rate Fluctuations

In the recent past, there has been an outpour of inquisitive literature on the causes of exchange rate fluctuations and all these are because researchers, decision-makers, and policy analysts desire a much better understanding of relationships as well as causal factors of important and deterministic statistics values in economics. Almost...

Trouble Asset Relief Program: Money Trail

Introduction TARP or “Trouble Asset Relief Program”, as it is known in full, was a cleverly figured out scheme by the government of the United States of America (Dimsdale, 2), unlike the construction of area 51. Honestly, much credit should be given to the then government for this ingenious plan....

The Use of Popular Financial Language in the US World of Finances

Abstract Financial language is the language used in business, primarily the language used by investors. A number of investors currently have problems with understanding their financial advisors due to the special language that they speak. There are a number of factors that contribute to this lack of understanding. One of...

Global Financial Crisis on Dubai

Introduction Dubai is one of the cities in the United Arab Emirates that has in recent years been highly regarded across the world as a business hub, more so due to its strategic location and growth. The city is headed by the municipality; however, it has autonomy from the rest...

Supplemental Fiscal Budget and Capita Gross Domestic Product

Introduction The government of developing nation X is prepared to allocate $2 billion in support of policy measures to grow per capita Gross Domestic Product (GDP) in the medium term, over a fifteen-year period. The two policy measures under scrutiny: devote the earmarked funding to raising the secondary school enrolment...

Cash Management in the Credit Firms

Introduction Cash is the amount of funds that is dispensable either in the bank; at hand or in the business but does not include accounts receivable or the value of property. This is the case because it takes cash either in the bank or at hand; to pay expenses like...

The Level of National Health Care Expenditures in the USA

Introduction The cost of healthcare has been on increase for a considerable length of time. The total expenditure on health in the US has gone beyond two trillion dollars in the past two years. The expenditure trend has been going up steadily for the past two decades. It’s against this...

United Kingdom Budget Deficit

A budget deficit in any country normally arises when government expenditure exceeds tax revenue thus placing a nation in a position where it needs to borrow in order to stay afloat. The UK is currently going through one of the worst budget deficits in history and in response to these...

Business Credit and Taxation

Tax Considerations regarding business credit Tax policies must be put into consideration when planning on the mode of business financing, since tax policies influences the capital structure decisions taken by the company. For instance the percentage of money generated from the ploughing back of profits or the release of certain...

Clinical Research: Budget Development

Introduction This paper is aimed at deriving a framework for a study budget. According to the protocol (2008), it is a randomized, placebo-controlled trial of asthma drug in acute severe asthma in children. In particular, it is necessary to do the following tasks: 1) to identify types of costs associated...

Financial Ethics in Corporations

Introduction Generally, ethics is concerned with the behavior of human beings that is deemed to be right and acceptable in society and that behavior that is deemed to be wrong and therefore not acceptable based on conventional morality. The ethical norms compose of such behaviors as respect for other people,...

The Impacts of Budgets on People

Introduction Most students especially those at the university suffer from financial mismanagement. They mostly receive funding in termly payments and these funds are expected to maintain the student till the end of a given semester. Below is a budget planner for a university student for four months beginning September to...

International Monetary Fund: History, Roles and Challenges

What is IMF, and what is its purpose? The term IMF (International Monetary Fund) is an acronym used in reference to a global organization that is charged with the responsibility of watching over global financial systems. In addition, it is the responsibility of the IMF to oversee the various macroeconomic...

Financial Economics: Term Definition

Introduction According to Bodie et al (2008), “Finance is a scientific discipline is a study of how to allocate scarce resources over time under conditions of uncertainty”. Financial details have to be specified with good decision-making. Scarce resources attribute to the finances related to the costs that an economy possesses....

Liberty International Plc: Performance Analysis

Introduction An analysis of financial performance of Liberty International Plc has been carried out for a period of three years. The basic financial tools used for this analysis are financial ratios. The analysis has been made from the point of assessing performances on account of liquidity, profitability, activity efficiency, and...

UK Public Finance Analysis

Outline Public finance is involved with the study of the way government finance its activities for the benefit of general public. The money is generated from tax paid by citizens which is calculated as a percentage of the total income earned. The government can also generate funds from issuing bond...

The UK Budget Deficit

Introduction When Chancellor Alastair Darling delivered his budget speech for 2009, he confirmed much of the speculation about the UK’s debt crisis. This was also coupled with the recognition that the severe recession is plaguing the country’s financial stability. Although there are a range of approaches that have been proposed,...

Arab Monetary Fund Overview

Introduction The Arab Monetary Fund is a regional organization that was founded in Rabat Morocco in 1976 by the Economic Council of League of Arab States (Anon. “Arab Monetary Fund (AMF)” 1). The fund started operations in 1977 with 22 member countries on board who constituted mainly of the Middle...

Focus Concept in Powerdrive Golf

Introduction The focus concept refers to an ordered way of organizing resources with an aim of achieving a specific objective. It states that small scale firms can efficiently control their activities by concentrating in the production of a limited number of products and services. A focused firm has a limited...

China’s Economic Growth Breakdown

Introduction Sources of China’s economic growth In the recent past, China has experienced a dramatic economic growth which has led to the improvement in the improvement in the welfare of the citizens. This can be attributed to a number of factors. The rise in the per capita income is associated...

Will Implementing Flat Tax Benefit the United States Economy?

A flat-rate tax is a kind of tax system that uses a constant tax rate. Under this system, household income and corporate profits are taxed at one marginal rate. Unlike progressive taxes which vary depending on factors such as income and usage levels, this tax system usually offers a simple...

M5 and M1 Contracts in Hungary: Project Finance

Introduction Many benefits accrue from the successive and failed concessions through M5 and M1. At the moment there is a maximum usage of the capacity of M1 AND M5 roads in Hungary. The European road network that is being used in Hungary today is being utilized and the full benefits...

Budget for a Criminal Justice Agency

Introduction To begin with, it should be emphasized that construction of the budget for a criminal justice agency is the task, which requires incorporation and considering several factors, which form the budget, and influence the entire process of budget creation. The fact is that, the budget for such type of...

Tax Treatments of Inheritances in the United States

Introduction Taxation is a major practice in all countries across the world whether developed, developing, second world or third world. It forms the backbone of every economy. Taxation comes in different forms and varies widely from one country to another. The idea of the taxes of inheritances roots back to...

Islamic Financing System

Introduction Unique features of Islamic finance is primarily based on the concepts of trusteeship (amanah) of the resources, freedom, justice, co-operation and brotherhood and most importantly welfare and interest of the society in general. Islam never advocates people to asceticism; rather it encourages enjoying the Mother Nature, beauty of the...

The Financial Intermediaries Role

Introduction Financial intermediaries refer to firms, institutions or any other party that comes between two or more parties in the context of finances. They involve the banking institutions or other non-banking institutions that transfer finances from the agents in the economy with excess funds, to those experiencing deficits. They connect...

Bad Money: Financialization and Failed Leadership

Financialization America has become dependent on trading and speculation and this in itself is a problem to the country. The author refers to this problem as “financialization”.He mentions that there is a friendly relationship between the Bush family and the producers of oil. The Republican Party has formed close ties...

Saudi Arabian Economic Development

Thesis statement Saudi Arabia economy is built up based on oil with strong government control over major economic activities. The economy is centrally planned with some private companies which are controlled by the government. Before the discovery of oil in the Kingdom, the economy was built upon nomadic production, sea...

What Federal Reserve, Banking, and Inflation Are

The Federal Reserve System was created in 1931 because there were bank failures during those periods. Economies in the world rely on supply of currency within their country and it is this reason why the Federal Reserve System was created for regulating the supply of money. It was also started...

Manipulation of Interest Rates in India by Central Bank

Introduction (McKinnon, 2001) found that, interest rates are manipulated by central banks that intervene with a limited enforcement power. Central bank is a monetary authority and has the responsibility to control monetary policy for its particular country as well as a group of states who are members under the control...

Walt Disney World Financial Analysis

Income statement The statement shows that the revenue, gross profit, operating income, and net income improved. This can be attributed to successful strategies such as diversification that are implemented by the company (The Walt Disney Company, 2015). Balance sheet The balance sheet also grew during the period. There was an...

Role of Money Demand in Transmission of Money Policy

Introduction Money plays an important role in helping decide the monetary policy. Monetary policy means varying the supply of money in the market. When there is a huge demand for money in the market the central bank tends to increase the supply to meet the demand. However when the money...

Credit Rating Agencies in Debt Capital Markets

Introduction Credit rating Agencies – CRAs – are part of the infrastructure of the financial system. However, their role and presence in the financial markets might have remained subtle and latent until the 2008 global financial crisis. Many commentators of the 2008 crisis cited the drop in mortgage value of...

Economics: Chapters 1-3 of Ashby’s “Money Mechanics”

Barter trade In primitive societies, people use a system called barter trade. This involves the exchange of goods for other goods that the buyer wants (Ashby, 2009). Normally, in such a society, people produce their products for use and only purchase a little from the outside to supplement what they...

We Guess You’re Wrong Company: Financial Plan

Businesses exist to make sales and at the end of it to make a profit. The four students who are best friends founded We Guess and You’re Wrong business to support other businesses. They would benefit by making profits. Overview of the Firm YWG and YW is a consultation firm...

2008 Financial Crisis and US Monetary Policy

The global economic crunch has had a considerable impact on policy development and implementation. It has affected economic stability previously enjoyed by numerous states. Economists are some of the crucial stakeholders involved in the policy development. Observably, 1980-2007 was characterized by a stable global economy (Bonner, Addison & William, 11)....

Federal Reserve on Economic Activity and Markets

Federal Reserve’s Assessment: Current Economic Activity and Financial Markets The Federal Open Market Committee (FOMC) has recently reported that the Consumer Price Index (CPI) for urban consumers remained the same in December 2011 as it was in earlier months. Food and energy were the only items not affected by the...

Current Financial Crisis as It Pertains to Monetary Policy

Abstract This paper is prepared on the basis of most sensitive US government’s act of financial bail- out bill while the starting point identifies initial relationship between economy and monetary policy. After several aspects like- moral hazard, bank capitals, Fed influence regarding that policy have been discussed and finally some...

European Central Bank’s Quantitative Easing Policy

Introduction The European Union (EU) is facing ongoing economic challenges occasioned by stagnating economic growth and the euro-zone debt crisis. Since the economic recession of 2007-2008, the EU’s economic growth has been gradual, and it is projected to reach less than one per cent (Smithers n.pag.). Compared to previous years,...

Supply Side Economics Definition

It is often argued by economists that supply side policies are more effective than demand side policies in achieving macroeconomic objectives. Assessment of the effectiveness of supply side policies which have been used in many countries such as UK and Malaysia and examination of the impact it had on the...

Tax Rates and Economic Growth Analysis

Abstract One of the most sensitive issues in the world of economics is how political issues impact on economic issues in any given state. While its the politicians who introduce and enact the policies, economists and the society both who have better understanding of the issue at hand and bears...

US Federal Reserve System and Regulations

The Federal Reserve administers the American budget by means of several gears. They apply these gears to outline the financial strategy of the United States, endorse economic growth, and decrease the degree of price increases and the redundancy percentage. By regulating these gears, the Federal Reserve can administer the expanse...

The International Financial Reporting Standards

Introduction When considering the development of global marketing strategies, the question of how to consolidate the preparation of financial reports have turned out to be one of the most crucial problems. In an attempt to make the process of reporting easier and to create global standards, the International Financial Reporting...

International Financial Reporting Standards

International Financial Reporting Standards (IFRS) are a globally acceptable system of fiscal analysis whose primary objective is to harmonize economic reporting. The International Accounting Standards Board (IASB) recognizes IFRS as an efficient means of providing a common approach to analyzing business affairs (De George, Li & Shivakumar 2016). Increased foreign...

Dubai Cable Company Financial Performance

Abstract This paper examines an industrial company located in the United Arabs Emirates, Dubai. It examines the financial performance and health of the company using the company’s financial statements that include the income statement and the balance sheet and the ratio calculations, which include the short-term solvency ratios, asset management...

Financial Stability for Governments and Central Banks

Introduction A critical analysis of recent research findings and existing literature on financial stability reveals that the issue of financial stability has attracted significant attention from policymakers and academics across the globe. The cause of the increased concern can be traced to the severe economic consequences associated with the financial...

International Financial Reporting Standards

Overview of IFRS The American Institute of Certified Public Accountants (AICPA) proposed an online course that helps to understand the basic principles associated with the IFRS. The first segment of the course is the introduction to the key principles behind the IFRS that are discussed by the experts in the...

Food Prices Increase: Causes and Solutions

Introduction Food prices have increased significantly since 2006. The increase in prices was initially observed in key food crops such as corn, rice, vegetables, and wheat. However, the trend has also been observed in other non-food commodities in the recent past. The price of corn in the United States rose...

Government: Stock Markets and Economic Regulations

Introduction It is the essence of every economic system that the businesses and entrepreneurs bring together the natural resources, capital, labor, and technology to produce and distribute goods and services for the well being of the people and development of the economy as well. The ways in which these factors...

Behavioural Issues in Finance

Introduction This paper explores behavioural issues in finance by reviewing key concepts and theories associated with financial market assessments. Key tenets of this essay contain discussions about the role of the modern portfolio theory, asset valuation metrics, and the efficient market hypothesis (EMH) in behavioural finance, including a review of...

Economy’s Effects on the Stock Market

Introduction In any stock market analysis the impact of monetary and fiscal policies of the nation cannot be ignored as they have an overwhelming impact on the movement of stock market prices. The stock market can not be regarded as the ‘cause’ of the growth of an economy, but in...

Germany vs Canada Financial Systems Comparison

Introduction Modern politics calls for states to enter into certain agreements in order to succeed in achieving the national interests, even though their objectives might be different. The increase in the number of international organizations can be explained from two different perspectives, one being a realist perspective while the second...

Retail Sector of the Financial Service Industry

Introduction The retail finance services have provided a healthy platform for revenue generation in several corporations due to its stability. Nevertheless, the retail industry has suffered from diverse crises in the contemporary world. Thus, the retail banking remains as the most important resource for revenue in the financial services business....

Economic Growth and Causes of Its Variability

Introduction Economic growth is defined as an increase in the market-adjusted value of goods and services produced by an economy over a particular period of time. For the sake of convenience, it is measured as the percent rate of the positive change in GDP, gross domestic product. In the modern...

Chapters 1-3 of “Money Mechanics” by Ashby

Money as a medium of exchange Money refers to anything that can be used as a medium of exchange. However, how money is defined and used by the non-economists varies significantly from the way it is perceived and used by economists. For instance, employees earn income which they commonly receive...

Money Mechanics, Regulation, and Supply in the US

Money Mechanics Introduction Any society has the option of adopting barter trade. This will be especially possible if the society willing to adopt barter trade produces almost all products and services that are required within the society. In this scenario, different producers will have to link with each other in...

Global Financial System: Functions and Risks

Introduction Globalization has not only become one of the most defining forces of the 21st century but also one of the most impactful drivers of change in the financial sector.1 Several players are involved in the global financial system. Some of them include financial institutions, intergovernmental institutions, and central banks.2...

Small and Medium Scale Enterprises: Access to Finance

Introduction Business standards and quality of management are principal areas of changes through which nations can enhance their financial status. Improving the ease of doing business can be achieved through measures that stimulate significant benefits. Small and medium scale enterprises (SMEs) are engines of development, growth, employment, and social union...

Company’s Financial Position Analysis

Executive Summary This essay analyzed the financial position of a given company based on two financial years, 2013 and 2014. The aim of such analysis was to examine the selected company’s strengths and weaknesses, as well as establish whether or not it could be considered for Financial Services Management. The...

Financial Markets and Financial Institutions

Introduction: Economic System With the lapse of time, relationships between people were becoming more and more complicated due to the fact that the number of ways to store and manage natural resources and the resources that involved the application of human labor was growing. Nowadays, there is a wide range...

The Role of Financial Institutions and Markets

Introduction The financial world is a complex system that consists of networks, decision-makers, tax regimes, regulators, policies, markets, institutions, and several other components. The environment that supports financial services plays a major role in determining the financial services that are available in a certain economy and their viable alternatives. Consequently,...

Business Tax Cuts, Their Benefits and Drawbacks

Introduction Government spending occurs in the construction and maintenance of schools, transport systems, health sector, and public safety among other critical areas that are essential in sustaining human lives. The revenue is collected through the imposition of taxes by the local and national governments. The justification encouraging business tax incentives...

Saudi Arabia International Financial Reporting Standards

Introduction Financial statements are very important because they provide information about an entity’s financial performance and financial position within a given period. According to Hamidah (2013), the primary goal of financial statements is to offer information about a firm’s financial performance and position, which can be used by both the...

Islamic Finance: Growth and Absorption

Introduction The concept of Islamic finance has undergone considerable expansion over the last few years, as evidenced by the many Islamic Financial Institutions (IFIs), which have been developed across the globe. A study conducted by the Council for Islamic Banks and Financial Institutions (CIBAFI) in 2004 shows that IFIs grew...

Economic Budget Predictions

Introduction Governments have a responsibility to balance between their country’s expenditure and revenue by formulating and enacting monetary and fiscal policies. Moreover, governments should ensure that they balance between the application of the monetary and fiscal policies to stimulate economic growth. This assertion arises from the view that the implemented...

Flat Tax Rate Policy

Background The flat tax rate policy is a policy that has elicited mixed reactions from policymakers, politicians, taxpayers, and governments across the world. The controversy of the flat tax rate lies in the effects on economic growth and fairness among taxpayers. Fundamentally, the flat tax rate is a form of...