MOTIVATION I. Case: BONIFACIO SAVINGS AND LOANS ASSOCIATION The Bonifacio Savings and Loans Association (BSLA) in its last monthly consultative meeting for the year decided to embark on a one-year deposit campaign program. Dubbed as BSLA’s “Employee Motivation Program (EMP)”‚ the deposit campaign aimed to increase deposit levels which was BSLA’a traditional source of funds. Mr. Danillo Lagman‚ VP for operations‚ was chosen as overall program coordinator. After a month of preparation‚ Mr.
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Pioneer Savings and Loan Late in the third quarter of 1994‚ the board of directors of Pioneer Savings and Loan of Orlando‚ Florida requested that their president‚ Herbert Jones‚ submit a recommendation on whether or not to grant branch managers a cash bonus that year. According to the company’s Management by Objectives (MBO) system‚ the granting of yearly bonuses was contingent upon the attainment of specific corporate profit objectives‚ in addition to the individual manager’s performance
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Proposal: A Proposed Loan Monitoring System Composite Wing Saving Loan Association Inc. with Web based Customer account and Ledger Area of Investigation Brief History of Composite Wing Saving Loan Association Inc The Manila Teachers’ Savings and Loan Association‚ Inc. (MTSLAI or Manila Teachers) is proud to be the first pioneer of the savings and loan system in the country. Its roots are traced back to a simple “paluwagan” by a group of public school teachers whose forced savings provided financial
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The Savings and Loan Crisis Savings and loans were created after the great depression as a government regulated way for people to have home mortgage loans. The creation of these savings and loans resulted from thousands of homes being foreclosed after the great depression. The idea of savings and loans were simple; first the government allowed savings and loans to pay slightly higher interest rates on deposits to attract investors. The government also offered insurance for these investments
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Lincoln Savings and Loan 2. The high audit fee is a direct financial interest that can cause bias. The larger the amount of audit fees paid by the audit client company to the audit firm‚ the more likelihood that it will impair. The auditor may have to compromise their independence in many ways to ensure that they maintain that particular client‚ since that client provides them with relatively larger revenue. To address this‚ the regulators should impose a new requirement that the total fee from
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Strategic Practice Exercise From an ethical standpoint‚ I would suggest Zombie Savings and Loans stay in business. Keeping the doors open would allow them to accrue new customers to help with the issue of high interest rates putting them at a loss. Not only could they seek new customers‚ but they could also seek more stakeholder shares. Doing so would bring more capital to the bank to help make up for the loss it is currently seeing. They could also consider selling stocks and bonds to
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The Lincoln Savings and Loan Association of Irvine‚ California was the financial institution at the heart of the Keating Five scandal during the 1980s Savings and Loan crisis. Up through the early 1980s‚ Lincoln was a conservatively-run enterprise‚ with almost half its assets in home loans and only a quarter of its assets considered at risk.[1] It had slow growth at best‚ and had shown a loss for several years until it made a profit of a few million dollars in 1983.[1] Lincoln then became headed
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You’ve Just Been Brandwashed There is a man lying sluggishly on his couch. He’s been there for what has seemed like an eternity‚ watching hundreds of commercials throughout his shows. He bites a burger he just recently bought and clenches a pain within his chest. His conclusion could have been from the burgers and chips he watched on television‚ how long he was sitting on that couch‚ or the methods the advertisements used against his mind. Commercials prime your mind to make unwise decisions when
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In the book‚ Since You’ve Been Gone‚ by Morgan Matson‚ is a great story about a girl named Emily that loosed a friend but then gained a lot more friends from the experience. Her friend Sloane all of a sudden leaves without any explanation all she leaves behind for her friend Emily is a note with things she has to do on it. Emily must have to complete the list if she ever wants to see her friend again but there are some crazy things on the list she has to do. In this companion book you’ll learn
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The first literary element in Since You’ve Been Gone is irony. In this book Emily‚ the main character‚ is left behind all summer without knowing where her best friend‚ Sloan‚ went. The only thing she has is a list of 13 tasks Sloan left that are extremely out of Emily’s comfort zone. Throughout her attempt to complete the list‚ Emily meets a guy named Frank and they become friends. One night they show up to Emily’s house to find her parents‚ two playwrights‚ in need of two actors to play parts in
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