This abstract was created post-production by the JFI Editorial Board.
This study employs regression techniques to determine whether there is a relationship between performance in mathematics courses (college algebra and business statistics) and performance in business finance, and whether students have their grades curved in the mathematics courses has any impact on the performance in business finance. The results indicate that students who earn higher grades in college algebra perform significantly better than those who do not. There is no significant difference in performance between students who have their grades curved in college algebra and students who do not. Students who fulfill the business statistics perform significantly better than those who do not. Among students who complete the business statistics, those with higher business statistics grades perform insignificantly better in business finance. There is no significant difference in performance between students who have their grades curved in business statistics and students who do not.
Asset and liability management is the financial risk management practiced at financial institutions. The goal of asset and liability management is to maximize the risk-adjusted returns to shareholders over the long run. Credit risk is a very important risk category in banking because bankers usually manage credit risk on daily basis. How credit administration and asset and liability management should be coordinated to insure proper returns to shareholders is a critical issue to examine. This issue involves both the loan origination process and loan portfolio diversification. The loan origination process establishes policies and procedures to guide lenders within a banking atmosphere. These policies and procedures outline the type of loans and borrowers a bank wants to attract and those loans and borrowers a bank wants to avoid. Also among these guidelines are checks and balances to ensure compliance and accuracy. Loan portfolio diversification is important for the financial welfare of banks and for stability purposes. The goal of this paper is to identify how poor loan origination processes and poorly managed loan portfolios can negatively affect bank performance. The impact of such negative implications can result in configurations that stray from the norm, or peer group average. This paper also looks at one bank that recognized their difficulties and the actions they took to turn their company around.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.