Financial Markets and Institutions Report and Flow Problem Worksheet, assignment help

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Hello I need help with following attachments. 

-One is cash flow problems that must be completed in a excel spreadsheet

-The other is a Financial Market & institutions Report for Hawaii must be 1000 words


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5-1 FutureValue Compute the future value in year 9 of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 using a 10 percent interest rate. (LG5-1) 5-3 Future Value of an Annuity What is the future value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-2) 5-5 Present Value Compute the present value of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 if interest rates are 10 percent. (LG53) 5-7 Present Value of an Annuity What’s the present value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-4) 5-12 Present Value of an Annuity Due If the present value of an ordinary, 6year annuity is $8,500 and interest rates are 9.5 percent, what’s the present value of the same annuity due? (LG5-6) 5-15 Effective Annual Rate A loan is offered with monthly payments and a 10 percent APR. What’s the loan’s effective annual rate (EAR)? (LG5-7) 5-39 Loan Payments You wish to buy a $25,000 car. The dealer offers you a 4year loan with a 9 percent APR. What are the monthly payments? How would the payment differ if you paid interest only? What would the consequences of such a decision be? (LG5-9) (Calculate monthly payment only) Create a 1,050-word report, and include the following: • Describe the role of the financial institutions and financial markets in our economy • Differentiate between primary and secondary markets. • Differentiate between money and capital markets. Format your assignment consistent with APA guidelines. Financial institutions in my economy Bank of Hawaii Central Pacific Bank First Hawaiian Bank Ohana Pacific Bank Pacific Rim Bank Territorial Savings Bank Finance Factors, Ltd. Bank of the Orient Homestreet Bank Bank of the Federated States of Micronesia First Finance Company of Molokai (O.S. Meyer Limited dba House of Finance, Inc. Kauai Island Finance, Inc. Mutual Finance Company, Limited OneMain Financial (HI), Inc.(fka: CitiFinancial, Inc.) Springleaf Financial Services of Hawaii, Inc.(fka American General Financial Services of Hawaii, Inc.) Complete the following problem sets from Chapter 5 in Microsoft® Excel®: 5-1 FutureValue Compute the future value in year 9 of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 using a 10 percent interest rate. (LG5-1) 5-3 Future Value of an Annuity What is the future value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-2) 5-5 Present Value Compute the present value of a $2,000 deposit in year 1 and another $1,500 deposit at the end of year 3 if interest rates are 10 percent. (LG53) 5-7 Present Value of an Annuity What’s the present value of a $900 annuity payment over five years if interest rates are 8 percent? (LG5-4) 5-12 Present Value of an Annuity Due If the present value of an ordinary, 6year annuity is $8,500 and interest rates are 9.5 percent, what’s the present value of the same annuity due? (LG5-6) 5-15 Effective Annual Rate A loan is offered with monthly payments and a 10 percent APR. What’s the loan’s effective annual rate (EAR)? (LG5-7) 5-39 Loan Payments You wish to buy a $25,000 car. The dealer offers you a 4year loan with a 9 percent APR. What are the monthly payments? How would the payment differ if you paid interest only? What would the consequences of such a decision be? (LG5-9) (Calculate monthly payment only)
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Explanation & Answer

Running Head: FINANCIAL INSTITUTIONS AND MARKETS

Financial Institutions and Markets

Name

Instructor

Institutional Affiliation

Date

1

FINANCIAL INSTITUTIONS AND MARKETS

2

Financial institutions basically are financial establishments that perform the function of
conducting financial transactions such as issuing of loans, investments and acceptance of
deposits (Madura, 2008). In the economic environment financial institutions plays a very
important role since they ensure economic liquidity of any given nation. No particular country
can thrive without such establishments because they determine economic development. In a
nutshell financial institutions are the mainstream of an economy. Financial institutions include
commercial banks, credit unions, stock brokers, building societies and management firms. On the
other hand, financial markets are organized markets where a trader of financial securities carries
out trade in financial securities such as stocks, bonds and other precious commodities such as
gold and agricultural products.

Financial institutions perform a range function in economic development. Below is the
discussion of the role that financial institutions play in an economy.
 Accepting of deposits

Financial institutions basically accept deposits from the customers who are members of the
public and other corporations. This is the primary role of financial institutions since they operate
in the public arena; they ensure that the public money is safe by offering safe custody of such
finances.
 Providing commercial loans

FINANCIAL INSTITUTIONS AND MARKETS

3

Financial institutions basically offer commercial loans to individuals, groups and companies for
economic development. By granting loans to the public, they create economic liquidity and allow
high level of economic activity since they make availability of money within the economy.
 Provision of inv...


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