These studies find that monetary policies play a significant role in controlling house prices or house price bubbles. Maclennan et al. (2000) find that monetary policy may be transmitted through the housing market. The main direct effect is an income or cash flow effect: when the interest rate rises, the interest burden of any outstanding debt rises and after-housing-costs disposable income falls. Xu and Chen (2012) find that China monetary policy actions are the key driving forces behind the change of real estate price growth in China.
1.5 Significance of Study This study would give massive benefit to government, policy makers, students, accountants, private sectors and to society as whole. At first, this study would help the government, policy makers and accountants to analyze the level of debt in the nation and factors that influence the public debt in Malaysia. Thus, they can implement strategies to reduce the country’s debt. Secondly, this research can be use as guideline to students who wish to make further research on this topic in the future. Last but not least, private investors and society can gain benefit from this research by getting information related to debt and the country 's economic
Furthermore, this research also needed to get more knowledge about the factors that are significantly contributing the house price changes in Malaysia. The researcher recognized that Gross Domestic Product Growth; Inflation; and Base Lending Rate were contributed to the changes in house price. By using the house price index as the main indicator it is helpful in completing as the index gathered review through the changes in house
Upon looking at the gearing ratio of Smith & Nephew, a significant increase can be observed between 2013 and 2014. From 6,25% in 2013, its gearing ratio increased more than sixfold up to 39,93% in 2014. When the gearing ratio is this high, this could only mean that the company often has more debts to repay. Therefore, their financing structure is also more uncertain. In order to understand what had driven this drastic increase, it is necessary to evaluate the composition of the ratio.
This proposed research study strives to investigate the effect of the equity valuation models on the portfolio choice. This subject would be also integrated with the behavioral finance. The case study would be about the Turkish companies which have some corruptions. The aimed research subject and the chosen country (Turkey) are so closely related in order to investigate well. In the research, it is aimed whether
Both FSAP assessors and MAS have come to an agreement to test out two scenarios which are appropriate to Singapore: the first scenario involved a general weakness in the global economy such as electronic sector which was an important driver of Singapore economy; the second scenario assumed pressures from global economic weakness compounded by terrorism in the region. Banks have also used bottom-up approach in stress testing their corporate loan portfolio which the steps are shown in diagram 1(refer to appendix). Unlike consumer loan, stress testing in consumer loans were assessed using a top-down approach. An illustration can be found on figure 2 (refer to appendix). SBU bank should follow the steps closely of stress testing in order to measure liquidity risk as accurately as possible.
According to a report by the World Health Organization, the number people above 65 years of age is projected to grow from an approximate 524 million in the year 2010 to about 1.5 billion in 2050 (2). The increase in population aging has had notable impacts on the health sector and the economy in the world as is discussed in this essay. Drivers of population aging The age and size of the composition of a population are determined by three demographic processes namely trends in life expectancy, mortality, and fertility. Declining fertility rates is the chief driving force behind the increase in the population of the elderly. Currently,
Eventually it starts to gradually improve during the past few years from 20.7% in 2015 to 18.4% in 2016. Despite the improvement, Spain is still considered as a high unemployment rate country. As mentioned previously that are multiples factors that causes high unemployment rate of a county. To understand why unemployment is so high in Spain we need to take a look at the situation of Spain in year 2010 to 2014. In year 2008, Spain was badly affected by the world financial crisis.
This two issue related with politic, social and economic issue. When one country facing the economic and politic problem it will lead to the social problem toward the country and other neighbour country. The amount of illegal immigration tend to increase year by year. From the Malaysian Minister of Human Resources Datuk Seri Richard Riot Jaem claimed that there are 4.5 million illegal immigrants out of the total 6.7 million foreign workers in Malaysia (Irsyad, 2014). For the amount of refugee according to UNHCR organization, as of end February 2016, there are some 158,510 refugees and asylum-seekers registered with UNHCR in Malaysia with about 145,000 of them from Myanmar.
Although conventional insurance is prohibited by syariah, but nowadays conventional insurance company also offers Islamic Insurance products. This shows that, the demand for takaful is high. Thus, this research is conducted to know the determinant of family Takaful consumption in Malaysia based on three factors, population, interest rate and Gross Domestic Product (GDP). 1.3 RESEARCH OBJECTIVE Nowadays, there are many insurances company trying to enter the market by introducing different product and have their own advantage. So, the general objective to conduct this research is to know about the determinant of family takaful consumptions.