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Papers On Accounting & Personal Finance
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Credit Analysis for The End Zone
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A 16 page paper with additional accompanying spreadsheets (9 pages), the purpose of which is to assess the company’s credit worthiness for two requested loans. The spreadsheets construct a 12-month pro forma cash budget for an upscale retailer, as well as an income statement, balance sheet and ratio analysis. The text portion includes some explanation of determinations for the pro forma cash budget and a summary report assessing the wisdom of extending the loans to the company. Recommendation is that the lender provide the company with all of the funds it requests, and in the form it requests. Spreadsheet data included as appendices; actual spreadsheets including formulas are available. Bibliography lists 1 source.
Filename: KSfinEndZone.rtf

Credit and Collections A Case Study
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This 20 page paper takes a hypothetical case study and decides how it can improve through changes in collections practices. Credit and collections procedures are reviewed and recommendations made. A SWOT analysis is included. Bibliography lists 11 sources.
Filename: SA21Coll.wps

Credit Card Company - Capital One
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A 5 page paper. Capital One is among the top ten credit card companies in the U.S. The company has more than 46 million customers worldwide. This paper considers the company's policies and asks whether or not they are ethical. Since it is so hard to obtain all their specific policies regarding credit card approval, the available information is used, in conjunction with personal knowledge of credit cards, to ask if certain policies regarding interest rates, fees and distribution of consumer information is ethical. It may be legal but is it ethical? Bibliography lists 3 sources.
Filename: PGcap1eth.rtf

CREDIT CARD INDUSTRY AND MANAGEMENT INFORMATION SYSTEMS
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This 8-page paper examines how MIS and technology is helping credit card companies better manage relationship marketing and customer acquisition and retention. Bibliography lists 11 sources.
Filename: MTcremis.rtf

Credit Card Interest Rates
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A 3 page paper about the cost of credit cards. The four basic types of credit cards are identified. Five credit cards are compared in terms of interest rates, grace periods and fees. The costs of one virtual bank is explained. The writer alerts consumers that different banks and companies have different costs even when the credit card is a Visa or MasterCard. 1 Table included. Data included. Bibliography lists 5 sources.
Filename: PGcrdin.rtf

Credit Card Use by Students
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The use of credit cards by students is increasing. This 12 page paper looks at why it is important to assess the way students perceive and use their credit cards, briefly looks at former research and shows how a questionnaire can be designed to explore developed hypotheses and then how these may be presented. The bibliography cites 8 sources.
Filename: TEcreditstu2.rtf

Credit Cards and a Health Economy
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(5 pp) Credit cards are not harmful to the growth of a healthy economy. According to Mike Walden, a North Carolina State University economist and expert on consumer debt, "High consumer debt is common when the economy is healthy. It isn't necessarily a bad sign, either, because credit purchases help create jobs. If everyone suddenly stopped using credit cards, they'd make far fewer purchases, manufacturing companies would have far fewer orders to fill, and the end result would be massive layoffs. Bibliography lists 4 sources.
Filename: BBcrdtcd.doc

Credit Cards and Students
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This 11 page paper looks at research carried out by a student to assess the attitudes of students towards credit cards. The paper outlines the methodology then examines the results present b the student by looking at the answers to each question in turn. The bibliography cites 5 sources.
Filename: TEcreditstudent.rtf


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