Thesis (Ph.D.)--University of Texas at Dallas, 2008. / Includes vita. Includes bibliographical references (leaves 91-99)

Thesis (Ph. D.)--Ohio State University, 1984. / Includes vita. Includes bibliographical references (leaves 109-112). Available online via OhioLINK's ETD Center.

The crucial role played by small and medium-sized industries (SMIs) in developing countries is very well acknowledged. In Malaysia, for example, the SMIs are perceived as the backbone of the nation's industrialisation process. However, the promotion and development of these SMIs are often hampered by their lack of access to formal institutional credits. The lack of access to formal credits is often ascribed to the higher level of perceived risks, moral hazards and transactions costs. At present, banks and SMIs in developing countries do not have the appropriate technology to adequately assess these risks. The present study seeks to suggest that project appraisal practice can and should be adopted by the SMIs in order to assess their project's risks. Banks are recommended to use similar techniques to objectively evaluate their lending risks. Built upon the theoretical framework of finance and development, the study empirically evaluates the relationship between the adoption of project appraisal practice by the SMIs and their access to formal sector finance. In addition, the study also attempts to identify the factors that can influence the company's decision whether or not to adopt formal project appraisal practice. A very significant and positive relationship was found between the adoption of project appraisal practice and the SMIs' access to formal sector finance. The following factors were found to be significant in determining whether or not a firm adopts project appraisal practice: (1) access to banks finance, (2) entrepreneur's level of education, (3) training on project appraisal, (4) market classification, and, (5) level of business experience. The study therefore concludes that the adoption of project appraisal practice by SMIs should be encouraged through formal training. Finally, the study suggests that the present system of providing finance to SMIs should be reformed and a more innovative and efficient system is recommended.

Thesis (M.B.A.)--University of Hong Kong, 1981.

On June 14th, 1965, Atlantic Acceptance Corporation Limited, a major Canadian finance company failed to meet a $5 million matured short-term secured note and three days later the company was placed in receivership by Montreal Trust Company, the trustee. This thesis represents a study of the growth, development and collapse of Atlantic Acceptance, and the effects of that collapse on the structure of liabilities and the quality of reporting on the activities of finance and consumer loan companies in Canada. From the outset, I would like to bring to the reader's attention the fact that this thesis was completed before the findings of the Ontario Royal Commission on the collapse of Atlantic were made public. The evidence presented to the Commission has been so voluminous and intricate, that after more than two years of study, Mr. Justice Hughes of the Ontario Supreme Court, who served as Chairman of the Ontario Royal Commission on Atlantic, has not yet been able to present his report. It is expected that the above report will be made public later this year (1968). The thesis is divided into three Chapters. Each Chapter is divided into sections which might in themselves have been treated as chapters, except that to do so would have, in my view, broken the continuity of the study. Chapter I serves as an introduction to Atlantic. Here the reader will learn that over the life of the company, especially in the early nineteen-sixties, Atlantic Acceptance Corporation was completely out-performing the Canadian finance industry. In the Appendix to Chapter I, tables are drawn up to trace the growth pattern of Atlantic Acceptance. Chapter I also discusses the general nature of the finance industry, and the methods in which finance companies finance their assets. It concludes by investigating the financing techniques employed by Atlantic Acceptance Corporation. Chapter II is a study of the precipitating factors in the collapse of Atlantic Acceptance. Here, the Haves Lending Model is presented as a normative model for the conduct of the affairs of financial institutions. The rather exhaustive and comprehensive evidence on Atlantic's lending, management and auditing practices presented in this Chapter, indicates that the affairs of Atlantic Acceptance and its subsidiaries were not conducted in accordance with the principles collected and published by Professor Douglas Hayes. In Chapter II it will be learned that Montreal Trust Company, the trustee, brought legal action against the President of Atlantic and members of the accounting firm which audited the subsidiaries, alleging a conspiracy on the part of the defendants and each of them to defraud the plaintiff. In Chapter III the concern is with the effects of the collapse of Atlantic Acceptance on the structure of liabilities and the quality of reporting on the activities of finance and consumer loan companies in Canada. Evidence is presented to show that: (1) as a result of Atlantic's collapse, finance and consumer loan companies in Canada saw a flight of funds out of their short-term paper, and an increase in their use of bank borrowings and advances from parent and associated companies; (2) the collapse of Atlantic has led the finance and consumer loan industry and the Investment Dealers Association of Canada to develop a new improved method of reporting on the activities of finance and consumer loan companies in Canada. Since March 1967, minimum standards of reporting for all finance and consumer loan companies doing business in Canada have been: audited financial statements, appropriate Robert Morris Associates questionnaires, and the Canadian Sales Finance Long Form Report. Since finance companies in Canada are now major intermediaries in both the commercial and financial industries, we conclude that there should be a special Act of Parliament under which their operations are conducted. This Act should be known as the Finance Company Act. There should also be an Inspector of Finance Companies with similar powers to those given the Inspector of Chartered Banks, and finance companies should be brought into a closer working arrangement with the Bank of Canada so that they would be made more responsive to monetary policy. / Business, Sauder School of / Graduate

No description available.

by Po Yee Wan, Anne , Wong Ming Tak. / Bibliography: leaves 80-83 / Thesis (M.B.A.)--Chinese University of Hong Kong, 1984

No description available.

With the judicial system worldwide investigating finance companies for misleading disclosures, deception has become a topical issue. However, deception is an area that has historically not been favoured in academia. The paper aims to determine whether disclosure practices of failed companies show more characteristics of deception than those of viable companies. The research will involve a mixture of qualitative and quantitative methodologies, including the use of content analysis and the software DICTION. An index of deception is constructed. The higher the deception score, the more deceptive the authors are deemed to be. This study tests this argument with respect to the prospectuses of a sample of failed and non-failed New Zealand finance companies.

Determinar cómo se relaciona la fidelización y la gestión de captaciones y colocaciones en Financiera Proempresa. Conocer la situación actual del servicio de pre y post venta y su relación con la rentabilidad de Financiera Proempresa. Analizar de qué forma la fidelización de los clientes permitirá optimizar los resultados de gestión de captaciones y colocaciones de Financiera Proempresa. / Trabajo de investigación