Loanable Funds Market in Australia - 1988 Words

1. Introduction: The Reserve Bank of Australia is considering an increase in the target cash rate by 25 basis points in the near future. It is the intention of this report to analyse the positive and negative impacts of a rise in interest rates on the loanable fund market in Australia. In order to analyse the impacts of an increase in interest rates on the loanable fund market, the reasons behind the possible rate rise in the near future will be looked upon. Charts and diagrams have been used to illustrate the intention of this report and it is hoped that by looking at these vital elements the intended user will be able to understand the issue more thoroughly and follow the analysis behind it and get a clear understanding of the†¦show more content†¦Lenders would compete for borrowers, driving the interest rate down. Similarly, if the interest rate in the market is less than the equilibrium rate, the quantity of funds demanded would be greater than the quantity of funds supplied. The shortage of loanable funds would result in upward pressure on the interest rate (Mankiw, 2001). 4. Effect of demand on Interest rates for Loanable Funds: The demand on interest rates for loanable funds affects the Household sectors, Business sectors and Government sectors. 4.1 Household Sectors: The impact of a rate rise decreases the demand for the loanable funds from the household sector. As this foreseeable increase interest rate could add $50 to the monthly repayments on a $300,000 mortgage. This may discourage many new home buyers to differ from buying a house for now, due to the added costs of taking out a mortgage during a period in which interest rates are expected to be high. However, at present in Australia the demand for housing is positive and high. The household sector is doing very well, despite the Reserve Bank raising interest rates, said Westpac senior economist Andrew Hanlan (Bourlioufas Wires, 2007). This is so because the low petrol prices helped the household sector in doing well (Bourlioufas Wires,Show MoreRelatedEssay on Loanable Funds Market In Australia1919 Words   |  8 Pages1. Introduction: The Reserve Bank of Australia is considering an increase in the target cash rate by 25 basis points in the near future. It is the intention of this report to analyse the positive and negative impacts of a rise in interest rates on the loanable fund market in Australia. In order to analyse the impacts of an increase in interest rates on the loanable fund market, the reasons behind the possible rate rise in the near future will be looked upon. Charts and diagrams have beenRead MoreEssay on Financial Institutions and Markets1788 Words   |  8 PagesFinancial Institutions and Markets 2.1 Outline the roles of the various monetary authorities that regulate the Australian financial system. What is the role of Council of Financial Regulators? 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The US Laws and Guidelines Governing Fair and Equitable...

The US Laws and Guidelines Governing Fair and Equitable Business Practices BUSN115 September 21, 2013 Professor Neal McGregor The US Laws and Guidelines Governing Fair and Equitable Business Practices The United States became one of the most influential world powers virtually overnight. The system of functionality which maintains this growth and power is the refined codes of business practices which are the cornerstone for domestic and international business relations the world over. Due to the unprecedented growth and prosperity of our nations economy and government, many countries look to us as a model of free enterprise for other nations. One doctrine of thought is the United States belief that our government†¦show more content†¦One great example of this type of relationship is the two businesses Macintosh and Windows. Historically they have always been in constant competition with one another, which has ultimately benefitted the people of the world by fueling competitive innovation. [1] â€Å"National competition law usually does not cover activity beyond territorial borders unless it has significant effects at nation-state level.† One law, which helps protect businesses and promotes fair competition for the benefit of the consumers, is the US Anti-Trust law. This law is comprised of three different acts: The Sherman Act 1890, the Clayton Act 1914 and the Federal Trade Commission Act 1914. The first role these acts perform is to restrict the formation of cartels which would perform outside of the guidelines of the government and there for not be bound by there laws. The second role these acts perform is to ensure no single business entity can perform a certain level of mergers and acquisitions, which would essentially turn them into a monopoly and reduce competition. 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Do or die Free Essays

Good and evil, are two separate things. Good represents virtue, righteousness, and honor where as evil represents hatred, anger, and cruelty. The Crucible shows characters that represent not only goodness, but evil as well. We will write a custom essay sample on Do or die or any similar topic only for you Order Now The ones who represent true love and good are John Proctor and Elizabeth Proctor. They both show what goodness is in Salem and who is the real witch or devil. Abigail Williams is a young irl who claims she is cursed by the devil and that people are sending devils to kill one another. Abigail represents evil in Salem in the worst ways possible. In the novel The Crucible, written by Arthur Miller, shows how John Proctor and Elizabeth Proctor are representing the angels that portray love and respect, as Abigail Williams represents the role of the devil’s child which portrays hatred. Love comes from deep affection as a mother, sister, or even a child. The two married couple, Elizabeth and John Proctor both represents what real love and goodness is in this book. â€Å"l have no love for Mr. Parris. It is no secret. But God I surely love† (94). In this quote, it shows the honesty John Proctor claims. Everyone in Salem keeps up with rumors and never speaks up the truth. John Proctor does not act as a hypocrite and rather expresses his feeling of honesty towards Mr. Parr’s. â€Å"Do what you will. But let none be your Judge. There is no higher Judge under Heaven than Proctor 39). In this quote Elizabeth Proctor explains that although everyone Judge the Proctors, John should know only God is his Judge, and under heaven there is no Judge higher than himself. Although goodness expresses love and care, there is always evil in everyone’s life. Hatred expresses extreme aversion or hostility. Abigail Williams is a young girl who claims her and a group of girls have been possessed by witch craft. Abigail shows her affection by accusing innocent civilians in Salem claiming†¦ How to cite Do or die, Papers

Management Accounting CSR Quotient Benefits

Question: Describe about the Management Accounting for CSR Quotient Benefits. Answer: Corporate Sustainability Reporting The corporate sustainability reporting can also denote as CSR reporting. CSR helps any and every kind of organization to evaluate the wide range of sustainability issues enabling them to have a better insight of the opportunities or risks they might have in near future. CSR is considered very flexible as it is used by the organization, the organization is free to evaluate its CSR progress in any deliberate way they choose to. But on the other hand if every company starts making out a different meaning and utilization of it then there would be chaos and it would very hard to find out what the reporting is actually meant for (Brockett Rezaee, 2013). The CSR do have its own quotient of benefits. It instills discipline in the orders of the organization and helps the organization to think of its long term goals and visions, thus raising the awareness of practicing sustainable practice in the company as a whole. A large section of the corporate world has agreed that it does increase the bar code of discipline and also helps the long term visions of the company for the future. The CSR does help to track the performance of the organization and thus gives another reason that the process should be well integrated with the business strategy to gain long term gains. The sustainability reporting does attract the attention of the organization towards the sustainability practices. These helps in reducing the cost in various aspects of the business and thus on a larger note increases the efficiency of the organization. Of the various advantages that the CSR has - increasing momentum along with sustainability in the organization, helps in better communication with the stakeholders, it is also a good utility tool to communicate with the employees, other organizations and also other local groups. And last but not the least it has the ability attract younger generation as talent does get attracted to issues related to the sustainability of the business (Paul, 2008). Costs and benefits of Corporate Sustainability Report There does have costs as there are benefits and especially if the report is not prepared properly. Setting a weak goal for the organization can invite danger in term of business as a whole. To produce a good report the data collected and presented should be up to the mark otherwise and do the reverse of what it is meant to do ("Corporate Progress: Opposites Attract, Corporate and nonprofit partnerships yield benefits for both", 2008). A good company always weighs the social, financial and environmental performances and then prioritize its sustainability in the reports. To receive advice or data verifications from the clients and stakeholders some discounts needed to be provided. And producing these reports for short-term goals does not pay its total dividends. But along with these risks, there are benefits too. The Corporate sustainability report enhances the company's image and reputation, it helps in in the removal of the organization's negative publicity or helps in the better dev elopment of its image. It does promote a better organization behavior as the employees tend to stay back with the employer which keeps them happy and also do take care of them. And more importantly, helps the organization to understand the risks and opportunities. So whenever there is an opportunity they are able to grab it or improve themselves during risks ("Global Corporate Sustainability Report 2013", 2013) . Types of concepts and standards associated with Sustainability reports To have a better sustainability report the economic analysis is done to evaluate the external factors which impact the operations of the organization, mainly industrial trends and external factors. These factors do affect the economic outlook which affects the brand creation and thus in turn the capital formation (Simnett, 2012). The industrial analysis is done to have a better understanding of the competitive forces in operation and the potential of the organization to create sustained value. It is also done to evaluate the external factors which might affect other industries leading on to portfolio risks. During the creation of these reports the company strategy evaluation is done to have a better understanding of the quality of the management and the strategy being used thus helps in evaluating the companys strength to retort to emergent trends. Then finally valuation is done to consider traditional assumptions and parameters of valuation which do include capital average cost and cash flow to have a better understanding of the material sustainability (McGarr, 2015). Figure 1: Corporate Sustainability Reporting Source - https://www.oliverrussell.com/stuff/contentmgr/files/0/488e65cdde7746b6bebc5dd7671297a4/files/chart.png Conclusion CSR should be part of every organization as it helps in having a better understanding of the organization. It helps to know the internal as well as the external factors that may affect the working of the organization. Although while dealing with this reporting the data collection and evaluation should be done properly as if there is any mistake then it might affect the organization not only on short-term note but may affect it over a long period of time. References Brockett, A. Rezaee, Z. (2013).Corporate sustainability. Hoboken, N.J.: Wiley. Corporate Progress: Opposites Attract, Corporate and nonprofit partnerships yield benefits for both. (2008).Sustainability: The Journal Of Record,1(5), 304-307. https://dx.doi.org/10.1089/sus.2008.9934 Global Corporate Sustainability Report 2013. (2013).UN Global Compact Reports,5(1), 1-28. https://dx.doi.org/10.5848/ungc.5720.2014.0009 McGarr, T. (2015). Asset Management International Standards and Associated Standards.Engineering Technology Reference. https://dx.doi.org/10.1049/etr.2014.0043 Paul, K. (2008). Corporate Sustainability, Citizenship and Social Responsibility Reporting.Journal Of Corporate Citizenship,2008(32), 63-78. https://dx.doi.org/10.9774/gleaf.4700.2008.wi.00007 Simnett, R. (2012). Assurance of sustainability reports.Sustainability Accounting, Management And Policy Journal,3(1), 89-98. https://dx.doi.org/10.1108/20408021211223570