Financial Prospects Research Articles

Analyzing the Impact of Hainan Free Trade Port on the Development of the Financial Services Industry and Prospects

The construction of the Hainan Free Trade Port is one of the significant measures in China's reform and opening-up policy, holding crucial implications for promoting the development of the financial services industry. This paper explores the impact of the Hainan Free Trade Port on the development of the financial services industry, coupled with future prospects, aiming to provide theoretical support and practical references for the construction of the Hainan Free Trade Port.

STUDY OF EXPLORING THE IMPACT OF FINANCIAL ANALYSIS EXXONMOBIL

This financial analysis of ExxonMobil provides an in-depth examination of the company's financial performance, focusing on key metrics such as revenue, profitability, liquidity, and solvency. The analysis utilizes financial ratios, trend analysis, and benchmarking against industry peers to evaluate ExxonMobil's financial health and identify areas of strength and weakness. Additionally, it explores the impact of external factors such as oil prices, regulatory environment, and global economic conditions on the company's financial performance. The findings of this analysis aim to provide insights for investors, stakeholders, and decisionmakers regarding ExxonMobil's financial position and future prospects.

인공지능기반 사전학습언어모델 적용방안에 관한 연구

Pre-trained Language Model(PLM) refers to a natural language processing(NLP) model that has been pre-trained using large amounts of text data. The PLM has the limitation of not being able to understand domain-specific terminology due to a lack of training data for terminology. Therefore, the need for a domain-specific language model modified through BERT- or GPT-based pre-trained learning has recently been emphasized. In this study, we analyze BERT's pre-training method and BERT-based transformation techniques (ALBERT, RoBERTa, ELECTRA) and propose a PLM that can be used in biomedical, financial, and legal domains. The biomedical-specific pre-trained learning model is designed to learn domain-specific language characteristics such as technical terminology, medical sentence structure, and medical entity name recognition in the biomedical field. It is mainly adjusted to be applied to biomedical tasks through transfer learning based on BERT's pre-training method and architecture. For this purpose, it is pre-trained with pre-trained biomedical text data, and this pre-training transfers domain-specific knowledge to the model through learning representations for biomedical-related texts. The finance-specific pre-trained learning model is a model that can understand and process financial terminology, financial market trends, and sentence structures and vocabulary related to financial products and services. It can be used to generate news articles about financial market trends and to extract key information by concisely summarizing long texts such as financial reports and corporate press releases. Additionally, finance-specific pre-trained models help financial analysts generate investment recommendations based on a company's financial condition, performance, and prospects. The legal-specific pre-trained model is a language model suitable for legal documents and is used for legal document classification, legal document summarization, and legal document similarity evaluation. The legal-specific pre-learning model was created by pre-training the BERT model on special texts in the legal field, and through this, it learns characteristics specialized for legal documents. The performance of the legal-specific pre-training model can be improved to solve legal-related tasks through scratch pre-training and additional pre-training using legal corpora.

Disabled content creators on OnlyFans: Empowerment, representation, and precarity

This paper explores the intersection of disability and digital content creation on OnlyFans, a subscription-based social media platform known for its diverse creator community. Through a content analysis of 10 news articles and 22 Reddit threads focused on disability and OnlyFans, we investigate the experiences of disabled content creators in this dynamic digital landscape. OnlyFans has emerged as a promising employment option for people with disabilities, offering financial stability, independence, and a newfound sense of career control. However, concerns persist regarding potential impacts on disability-related benefits, highlighting the need for clearer support mechanisms. Furthermore, the platform has redefined power dynamics, allowing creators to reclaim agency over their narratives, particularly during the pandemic. It has not only transformed financial prospects but also served as a tool for managing health conditions and boosting self-confidence. These findings underscore OnlyFans’ role in fostering inclusivity and financial empowerment for disabled individuals. Our analysis also unveils broader societal challenges linked to disability and sexuality, including the de-sexualization and hypersexualization of disabled individuals. This emphasizes the urgency of cultivating a more inclusive understanding of sexuality and consent. Additionally, the fetishization of disabled people, termed “devotees,” adds complexity to the conversation, underlining the importance of respecting autonomy. By shedding light on this underexplored intersection, our research seeks to contribute to a more informed discourse on disability, digital content creation, and online platforms. Ultimately, it highlights the imperative of ongoing exploration and support for disabled content creators within the evolving digital landscape.

Analisis Perbandingan Kinerja Keuangan pada Bank Rakyat Indonesia dan Bank Tabungan Pensiunan Nasional Syariah Periode 2017-2022

Banks as intermediaries that can help mobilize and channel public funds need to be measured by how successful financial management has been. By knowing its financial performance, we can also find out whether the company is running smoothly or not, and can see its banking and financial prospects. This research was conducted to discuss differences in the financial performance of Bank Rakyat Indonesia and the Sharia National Pension Savings Bank in the 2017-2022 period. This research is a quantitative study with the number of samples studied, namely 24 quarterly financial reports of Bank BRI and Bank BTPN Syariah. Selection of the sample using the saturated sample method. Methods of data analysis using independent sample t-test and Mann-Whitney test analysis. The results showed that there was a significant difference between the financial performance of Bank Rakyat Indonesia and the Sharia State Pension Savings Bank for the 2017-2022 period based on all the financial ratios studied, namely ROA, ROE, BOPO, NPL/NPF, FDR/LDR, NIM/NOM and CAR. The financial performance of the Sharia National Pension Savings Bank is superior to Bank Rakyat Indonesia in terms of the ratios of ROA, ROE, BOPO, NIM/NOM, FDR/LDR NPL/NPF and CAR for the 2017-2022 period.

Financial Analysis and Future Outlook of Ford Motor Company

Ford Motor Company is an American multinational automaker founded in 1903. It is one of the largest automobile manufacturers in the world. This research delves into the financial condition of Ford Motor Company, an automotive industry leader, to provide a comprehensive analysis of its financial performance and prospects. Against the backdrop of an evolving automotive landscape and increasing consumer demand for sustainable and technologically advanced vehicles, this study is timely and relevant. The primary objective of this paper is to scrutinize Ford's financial health and prospects in-depth. The research combines quantitative data analysis of Ford's financial statements, historical performance, and market trends with a qualitative assessment of its strategic positioning and competitive environment. The findings indicate that while Ford faces certain financial challenges, it possesses the potential for growth and innovation. Recommendations include leveraging 5G technology to enhance product quality and cautiously exploring opportunities in the electric vehicle sector.

A Re-evaluation of Global Financial Outlooks and Prospects in the Telehealth Industry Amidst the Transition to a Post-Pandemic Era

The onset of the COVID-19 pandemic propelled the telehealth sector into a period of rapid expansion, with web-based care emerging as a crucial tool for ensuring the safety of patients and healthcare providers alike. However, with the introduction of vaccines, the perceived need for telehealth services appeared to diminish, leading to a decline in value for telehealth companies. This shift prompted both existing players and newcomers in the telehealth space to innovate and redefine their value propositions in order to regain investor and customer confidence and stand out amidst increasing competition. The struggle to reshape the perception of telehealth from a pandemic-era necessity to a valuable complement to traditional in-person care has been reflected in the volatility of stock prices and declining valuations. This dynamic has underscored the need for telehealth companies to differentiate themselves through technological advancements and the convenience they offer. Analyzing the market through qualitative secondary research, incorporating insights from contemporary sources, financial data from platforms like Yahoo! Finance, and peer-reviewed literature, it becomes evident that the telehealth market experienced a surge in 2020, reaching $17.9 billion in the US alone, and is projected to grow to $140.7 billion by 2030. This growth was accompanied by a nearly twofold increase in digital health venture funding, reaching $14.1 billion in total funding. However, this rapid expansion led to an oversaturation of the market, with supply outpacing demand, resulting in a significant drop in valuations as vaccination rates rose in 2021. In response to this rebalancing, telehealth companies must chart a course for the post-pandemic era. The current role of suppliers in the telehealth space, whether they are established healthcare industry incumbents or innovative "telehealth-first" challengers, will influence the growth strategies they pursue. Moreover, identifying medical specialties and patient demographics that are best suited for web-based care will be critical for long-term success in the evolving healthcare delivery system. Looking ahead, investors should anticipate a bullish market characterized by growing share prices. Success in the telehealth industry is likely to hinge on fundamentally transforming care delivery models rather than simply transitioning traditional care to a web-based format. As the market consolidates, established telehealth giants capable of adapting to the changing landscape are expected to thrive, albeit amidst continued growth at a slower pace.

WAYS OF STRENGTHENING THE FINANCIAL STABILITY OF SMALL ENTERPRISES IN AZERBAIJAN

Topicality. In recent years, mechanisms to support and encourage small businesses have been widely used to promote the positive impact of income distribution on the development of a competitive economy, poverty reduction and rapid response to changing market conditions. Aim and tasks. The primary aim of this research is to investigate and enhance the financial stability of small enterprises in Azerbaijan, emphasizing their crucial role in the country's economic development. The research evaluates the profitability and management efficiency of small enterprises through indicators such as general profitability, net profitability, net return on equity, and total profitability of production funds. Materials and methods. Data Collection, literature review, mathematical analysis methods were used in the study. There are methods of financial planning aimed at studying its object, and the preparation of this financial plan is carried out by various methods. Among them, we can show methods on the coefficient, methods on the norm, and also methods on the balance. As a result of determining financial ratios, financial risks can be analyzed and eliminated. To achieve stability, it is necessary to analyze financial ratios, which are relative indicators of the financial condition of the enterprise. These coefficients are calculated as the ratio of absolute indicators or their complex. The analysis of financial ratios is carried out by comparing their values for periods (report and base). Research results. While each enterprise demonstrates its unique financial performance, "Karmen LLC" appears to exhibit promising signs of stability with positive profitability, reasonable liquidity, and efficient management. However, continuous monitoring and strategic planning are necessary for sustaining and enhancing their financial health and market stability. Conclusion. The financial analysis of "Karmen LLC", "Azdad 2020 LLC", "Karvan L LLC", and "NEON LLC" highlights variations in their financial stability, profitability, and management efficiency. While "Karmen LLC" and "Azdad 2020 LLC" demonstrate stronger financial positions and profitability, "Karvan L LLC" and "NEON LLC" face challenges such as lower liquidity and profitability. Further research should focus on industry benchmarking, trend analysis, and qualitative assessments to provide a more comprehensive understanding of their financial performance and prospects. These insights will be crucial for informed decision-making and strategic planning in the competitive business landscape.

Economics Education, Decision-Making, and Entrepreneurial Intention: A Mediation Analysis of Financial Literacy

Abstract Adequate financial decision-making necessitates a solid foundation in financial literacy and comprehension of its principles. This is particularly crucial for students, as their financial and behavioral choices can significantly impact their future financial and career prospects. Consequently, the present study aimed to explore the causal links between economics education, financial literacy, decision-making abilities, and entrepreneurial intentions. Employing a descriptive-correlational approach, the researchers utilized structural equation modeling, drawing on a sample of 375 individuals purposefully selected from a population of 11,345 students at Urmia University. Data were collected through a questionnaire, and the research variables were initially assessed using multiple correspondence analysis. Subsequently, the research model was estimated. The findings revealed a positive and substantial impact of economics education on students' financial literacy and the influence of economics education on decision-making skills and entrepreneurial intentions through the mediating factor of financial literacy. Furthermore, the results confirmed the moderating role of socioeconomic status in the relationship between economics education and financial literacy. Consequently, the study's outcomes can inform educational institutions and policymakers, supporting the implementation of policies aimed at enhancing general economic education and emphasizing the equitable and distributive nature of such initiatives.

EXPLORING THE EMPLOYMENT OPPORTUNITIES IN EAST EUROPEAN COUNTRIES FOR LESS-SKILLED, SEMI-SKILLED AND SKILLED MIGRANT WORKERS OF BANGLADESH: PROSPECTS, CHALLENGES & WAY FORWARD

The purpose of this paper intends to explore the employment opportunities in East European countries (EECs) for less-skilled, semi-skilled and skilled migrant workers of Bangladesh through prospects, challenges & way forward. This study, using qualitative approach, has utilized the purposive and snowball sampling technique for executing thirty in-depth interviews along with two FGDs. Data has been analyzed by content analysis and thematic analysis. The findings reveal some lucrative job sectors in the labor market of East European countries, along with a few financial and nonfinancial prospects for Bangladeshi migrants. Some of these prospects include attractive compensation packages, medical allowances, public health facilities, and prompt remittance-sending facilities. Nevertheless, some highly weighted challenges, such as high migration costs, limited knowledge about government services, lack of access to finance, language barriers, cultural differences, and legal support, pose hindrances also. To overcome these challenges, policies and actions such as increasing tax incentives, affordability, easy access to loans, ensuring financial transaction protection, education and awareness campaigns, economic incentives, community building initiatives, easy access to services, and anti-discrimination laws and policies can assist a lot. The government of Bangladesh is providing some support, but most current and prospective workers are not well aware of these services. However, the result of this paper has found EEC to be a prominent source of overseas employment for the less-skilled, semi-skilled, and skilled labor force of Bangladesh.

The Mating Psychology of Incels (Involuntary Celibates): Misfortunes, Misperceptions, and Misrepresentations

ABSTRACT Mating represents a suite of fundamental adaptive problems for humans. Yet a community of men, called incels (involuntary celibates), forge their identity around their perceived inability to solve these problems. Many incels engage in misogynistic online hostility, and there are concerns about violence stemming from the community. Despite significant media speculation about the potential mating psychology of incels, this has yet to be formally investigated in the scientific literature. In the first formal investigation of incel mating psychology, we compared a sample (n = 151) of self-identified male incels with non-incel single males (n = 149). Findings revealed that incels have a lower sense of self-perceived mate-value and a greater external locus of control regarding their singlehood. Contrary to mainstream media narratives, incels also reported lower minimum standards for mate preferences than non-incels. Incels (and non-incel single men) significantly overestimated the importance of physical attractiveness and financial prospects to women, and underestimated the importance of intelligence, kindness, and humor. Furthermore, incels underestimated women’s overall minimum mate preference standards. Our findings suggest that incels should be targeted for interventions to challenge cognitive distortions around female mate preferences. Implications for incels’ mental health and misogynistic attitudes are discussed, as well as directions for future research.

Education in the Maritime Sector and Sustainable Development: Bangladesh's Position in the World

Bangladesh's historic geography and the recent delineation of its maritime borders with India and Myanmar, its neighbours, have created new opportunities for the country's sustainable economic growth. However, it necessitates a varied workforce in the maritime industry. The trained labour force required for this industry cannot be obtained without specialised maritime education and training, or MET. There are many different types of educational institutions in Bangladesh, such as independent research centres, technical institutes, academies, and specialty universities. They provide a selection of degrees and MET courses. This essay offers a comprehensive summary of MET opportunities in Bangladesh, as well as the career and financial prospects of maritime industry experts and their implications for the nation's sustainable development. In order to outline the overview supporting Bangladeshi perspectives, the necessary data and material has been gathered from a number of databases, including ResearchGate, Google Scholar, ScienceDirect, ERIC, journals, and newspapers. The study has important ramifications for educators, trainers, policy makers, and other parties with an interest in Bangladesh's marine industry.

Managing investment attractiveness of a company during a period of high market volatility based on forecasting expectations

Evaluation of efficiency of economic and financial activities is primarily based on the financial performance of a company. In the context of the joint-stock companies’ activities, special importance belongs to timely or premature assessment of financial prospects of the activities for increasing the profit and potential of the company. To achieve the goals, it is extremely important to objectively evaluate the elements of innovative strategy of the company considering both internal and external influence as well as the company’s unique circumstances. While assessing a specific situation it is essential to take into account both innovative environment and position and its innovative potential. Financial coefficients which allow analysis of performance are used as the assessment criteria for financial condition. The study in hand suggests creation of a high-precision model based on the variability of statistical forecasting techniques followed by a thorough assessment to identify factors that objectively influence the company’s investment attractiveness. At the initial stage the authors calculated 40 financial indicators of the company quarterly over a seven-year period, and 10 factors of the external environment which were used later for conducting the multicorrelation analysis to select the most correlating with the leading one. This was the share price represented by binary code, where 0 indicates a decrease and 1 indicates an increase. A combination of approaches such as regression analysis, Gaussian processes, cumulative perspective theory and the method of constructing vector measures allowed increasing the accuracy of the model from 89 to 96.7% and identify the basic indicators which could be useful in forecasting the investment attractiveness of the company such as the share of net working capital in assets, the level of real income of the population and return on capital employed.

The Impact of Different Financial Instruments on Investor Preferences

In contemporary society, as the economy steadily expands, individuals are increasingly exploring diverse financial avenues to maximize their returns. This article focuses on the analysis of prevalent financial methods, their associated risks, and their influence on investor inclinations. Through an examination of recent data and a review of pertinent literature, it is evident that the stock market carries substantial risk, rendering it suitable for investors with moderate to high risk tolerance. Conversely, bonds exhibit a comparatively stable trajectory, making them an apt choice for risk-averse investors. Options and futures exhibit moderate fluctuations aligned with the futures market, rendering them suitable for investors with a low to medium risk appetite. Selecting an appropriate financial method aligned with individual preferences can significantly enhance one's financial prospects. This prudent decision-making process contributes to more efficient and rational financial gains. However, it is imperative to recognize that these choices bear substantial consequences, underscoring the importance of informed decision-making in the realm of finance.

Digital Technology Improving Financial Inclusion in India: Post Covid Evidence

Technology is transforming the financial inclusion landscape and growing the digital infrastructure that is essential to accomplishing numerous national objectives. The Covid-19 pandemic and the subsequent lockdowns imposed in 2020–21 significantly impacted economies worldwide due to restricted mobility and disrupted goods and services, while also exposing the vulnerabilities of traditional financial systems. Amidst this challenging scenario, technology played a crucial role in bridging gaps and enhancing financial access.
 There has been a pivotal role of digital technology in improving financial inclusion prospects, especially during the COVID-19 outbreak, when access to digital transactions and financial services became a necessity to prevent economic collapse. Governments around the world responded by offering financial support to citizens, creating both opportunities and difficulties for promoting financial inclusion.
 Due to its ability to enhance the lives of those with low incomes, financial inclusion is still a subject of extensive investigation. Subsequent analyses highlight the mutually beneficial connections between digital technology, financial inclusion, and economic expansion.
 This research has been carried out in the Indian context using only secondary sources of data, to provide a comprehensive, evidence-based analysis of the role of digital technology in improving financial inclusion with particular reference to the Pre- and Post-Covid eras. A variety of published reports and articles, including newspaper stories, journal articles, and policy papers, have been utilized to conduct the semi-systematic evaluation.
 Drawing from secondary sources of data through documentary analysis, this study uncovers compelling evidence of how digital technology has expanded financial inclusion in India and the Covid-19 pandemic has acted as the prime catalyst of this process. The evidence presented herein also contributes to the growing body of research on financial inclusion's impact on low-income livelihoods and serves as a catalyst for future studies on leveraging technology for economic growth and improved financial well-being.
 The study's overall conclusions indicate that there is a strong correlation between the acceleration of financial inclusion in India and the Covid-19 measures for the quick, simple, and widespread accessibility of digital technology. The post-COVID increase in the RBI's Digital Payments Index (RBI-DPI) underscores India's astonishing leap in digital payment usage, which has been fuelled mostly by the success of UPI. The use of Aadhaar and digital payment options, as well as increased competition, has increased financial inclusion, all made possible through contributions from the implementation of the JAM trinity (Jan Dhan, Aadhaar, and Mobile).

Unlocking Africa’s Financial Prospects in A Digitized Economy: Financial Technologies, Illicit Flows, and Debt Management. The Case of Nigeria

Africa’s financial technology (FinTech) has significantly improved during the last several years as her economy evolved. Nigeria, as a vital part of the continent is undergoing so much as Africa is experiencing. Nigerian economy has undergone significant changes in recent years, particularly with the advent of FinTech. The infrastructure for Illicit Financial Flows, IFFs, evolved as well. To combat or curb IFFs and provide a stable operating environment for the economy, Nigeria must seek to increase transparency in financial decision-making and public debt management. In this study, regression and correlation were employed, together with primary, and secondary data gathered from the National Bureau of Statistics, to assess this subject matter. The aim was to unlock Nigeria’s financial prospects via curbing IFFs and instilling transparency in public debt management by properly deploying of FinTech in Nigeria. According to the results, weak or compromised FinTech are increasing facilitating IFFs, there’s great dearth of digital expertise, the transient nature of digital technology via virtual and traditional banks is obscuring demand for IFFs, regulatory frame is albeit obsolete and finally, there is a call for a multi-national approach. These findings will be helpful for policymakers working hard to rid this country of IFFs and strengthen our public debt management mechanisms. Keywords: Illicit Financial flows, FinTech; debt management; Credibility

Understanding the USMLE journey of Brazilian medical students and graduates: a narrative review.

Over the past decades, advances in medical technology and research have promoted the globalization of medicine, drawing medical students and physicians worldwide into seeking for better career and financial prospects, as well as enhanced clinical and research training abroad. The medical landscape in Brazil has been marked by significant challenges over the past years, particularly within the Unified Health System (SUS). Despite the expansion of medical schools and initiatives such as the Mais Médicos program arising as efforts to improve healthcare access and decrease regional inequalities in the country, such problems as under-resourced working environments, inadequate infrastructure, and unattractive financial compensation for both physician and research careers, have risen as persisting challenges. In the pursuit of improved conditions, the United States Medical Licensing Examination (USMLE) has emerged as an increasingly common pathway for those seeking to overcome these challenges. This review explores the motivations behind Brazilians pursuing the USMLE while examining structural and financial challenges within the country's medical education and SUS landscape.

Quantifying tourist contributions: Assessing the impact of domestic and foreign visitors on Bandung’s hotel tax income growth

The city of Bandung, situated in West Java, Indonesia, is a prominent tourist destination. Its combination of physical and cultural attributes makes it an appealing choice for both local and international travelers. The influx of tourists, whether domestic or foreign, holds the potential to enhance the city’s financial prospects, particularly through hotel taxes. This study delves into the correlation between domestic and foreign tourist visits and the escalation of hotel tax revenue in Bandung. The goal is to derive a formula that can effectively optimize hotel tax earnings in the city. Employing descriptive and causal methodologies alongside a quantitative approach, the research relies on secondary data spanning 2004 to 2021 and employs multiple linear regression for data analysis. The findings demonstrate a positive correlation between foreign tourist visits and the growth of hotel tax revenue, underscoring how an increase in foreign tourists corresponds to heightened tax earnings. Conversely, the research reveals a negative impact of domestic tourist visits on the expansion of hotel tax revenues.

The Effect of Free Cash Flow, Leverage, and Profitability on Dividend Policy in IDX-Listed Transportation and Logistics Companies

In the business world, companies continuously strive to enhance their value through various strategies and policies. One of the critical policies influencing a company's value is the dividend policy. Dividend policy is a crucial decision for company management as it reflects the financial condition and prospects of the company and can influence shareholders' investment decisions. This study examines the influence of free cash flow, leverage, and profitability on dividend policy in transportation and logistics companies listed on the Indonesia Stock Exchange from 2018-2022. The data used in this study are secondary data obtained from the companies' annual financial reports. This research employs purposive sampling to select 20 companies from a population of 37 IDX-listed transportation and logistics companies. This study measures free cash flow using the free cash flow ratio, leverage using the debt-to-equity ratio, and profitability using return on equity. This study analyzed the data using descriptive statistics and Partial Least Squares (PLS) technique. The study's results indicate that free cash flow and profitability significantly influence dividend policy. Since profitability significantly affects dividend policy, companies with high profitability have to increase dividend payments to attract and retain investors. This will increase positive perceptions in the market and increase the company's stock value. Besides, high free cash flow indicates that the company has sufficient liquidity to pay dividends without sacrificing important investments in operations or growth. Therefore, companies must adopt effective cash management strategies to ensure healthy cash flow, such as optimizing operational costs, working capital efficiency, and appropriate financing strategies to maintain liquidity. Leverage does not affect dividend policy but can provide mixed signals to the market regarding the company's financial condition.

Understanding the Big Picture Before Assigning Full Blame: The Lost Opportunity with the Oakland A’s

Despite operating in Oakland, California since the 1960s, the A’s have received Major League Baseball (MLB) approval to permanently move operations to Las Vegas in 2028. Though most fans and media members have placed the blame for the move on A’s primary owner John Fisher, a detailed analysis indicates that at least some of the blame for the A’s leaving their long-time home should be attributed to MLB and the MLB Players’ Association as they failed to recognize opportunities for the A’s to remain in the Bay Area and for the entire baseball industry to increase their short and long-term financial prospects. This paper provides information regarding MLB territorial rules, the history of the A’s situation, and pertinent MLB revenue and salary data to indicate that the A’s Las Vegas move is not only heartbreaking for long-time A’s fans but also a lost opportunity for the entire professional baseball industry.