Role The Bank Sector Plays In An Overall economy Economics Essay

1. Introduction

The following component clarify the four factors of production and signify how each can be optimize for the benefit for the economy on the whole and review the latest account of Southern African international trade (import and export) is there a need for a change of this profile.

What role the bank sector plays in an economy and exactly how organization can contribute to effective realization of the banking sector and then summarize consumer habit and behavior impact the increase and semester of the inflation rate.

Question 1

Discus the 4 factors of production and reveal how each can be optimise for the benefit of the economy on the whole and within group how do you want to optimise those assets that are in your removal for improved corporation performance


Economy demands for better product quality are impacting on the survival of the developing industries. To help the industries survive we must talks about workability four factors which can optimise the production process.

Economy is impacting on good makers, and pressures from the reassertion have resulted in monetary deficits for the country. As prices fall, the dilemma is compounded by demand from customers for better product quality, which results in unrecuperable development costs. These problems have resulted in financial reactions within the united states in '09 2009, which has necessitated personnel retrenchment, exactly what does the future carry? Will the united states survive? Needless to say it will, but without action there is no opportunity for it to increase.

1. 2 The following are four factors of production to advantage the economy

1. 2. 1 Capital

Example of capital: equipment, factories, bridges, Highways.

Capital can be optimise by the next discussion to profit the overall economy in general

Capital is the designed, artificial, or man-made goods found in the development of other goods, including equipment, equipment, tools, and buildings.

Capital is the produced factor of production.

This factor must be produced using other factors of production, which means that world is often confronted with the choice between producing intake goods that fulfill desires and needs and capital goods that are being used for future production.

Without capital, labor would do all production by hand; the main element role of capital in the development process is to make labor more fruitful.

To reassess and improve capital organizations should take on a four-step approach

1 Uncover resources of uncertainty

Companies should begin by determining what new

and existing risks they face and how those dangers will impact on demands on


2 Carry out a capital diagnostic

Companies can determine capital effectively by

analyzing data about their procedures and standard to peers on percent of possessions held

in cash, cost of capital, average receivable and payable cycles, and the space of the

conversion routine.

3 Reassess capital policy

Capital policy is a function associated with an organization's business model and risk tolerance.

These are being used to find out whether current dangers allow for an extreme, moderate

or conservative coverage.

An firm must consider all scenarios in light of the business enterprise, customer base

and capacity to funding current property.

4 Optimize capital

Optimizing capital is a function of the organization business model and risk

Opportunities to improve capital are present in areas including cash and marketable


1. 2. 2 Land

Land can be optimise by the next discussion to profit the overall economy in general

Land is the by natural means occurring materials of the planet that are used for the creation of goods and services

The mineral deposits and nutrients in the ground water animals and vegetation on the top and the environment above.

The natural resources and materials of the land end up being the goods produced.

With these materials of the land, there is certainly production.

Production is the essential process of transforming naturally happening materials offering little satisfaction in their natural condition, to goods and services offering more satisfaction.

Policies and activities targeted at integrating economic ideas with environmental concerns so as to together maintain or boost development/services (Productivity),

reduce the level of production risk (Security), protect the potential of natural resources preventing degradation of land and normal water quality (Security), be financially feasible (Viability) and socially suitable (Acceptability). "

Soil degradation control

Land management or land use shouldn't damage the earth surface and have an effect on soil nutritional levels, land improvement jobs should not lead to dirt losses and land degradation.

Water resources

Land management or land use should save normal water resources and guard water for metropolitan and rural areas, specifically for the arid area and semiarid areas, land use should protect potable normal water resources for people and domestic pets.

Gas Emission control

Land management or land use should not produce unsafe gasses and business lead to gas pollution, land use ideas should control such pollution Solid waste and unsafe material control, land management and land use must not raise the emission of solid wastes and hazardous substances.


Sustainable land management must not eliminate grassland.

The suitable land for agricultural use should be assessed, marginal land can't be cultivated completely and a certain percentage of the region should be planted to planted grasses, trees and shrubs to form a inexperienced cover.

1. 2. 3 Labor

Labor can be optimise by the next discussion to benefit the economy generally.

Labor is the mental and physical attempts of humans, used for the creation of goods and services.

Labor includes both the hard physical work of workers and the as the mental effort of professionals and supervisors.

Workers are needed with the correct knowledge, skills and experience to make goods or service, to attain the above the following must be provided


Safety and security

Innovative and creative

1. 2. 4 Enterprise

Enterprise can be optimise by the next discussion to benefit the economy in general.

Entrepreneurship is the special sort of human work that takes on the risk of providing labor, capital, and land collectively to produce goods.

Entrepreneurship is the factor that organizes the other three, without you to definitely organize development; the other three factors do NOT produce.

A key component of entrepreneurship is risk. This tool takes the risk of organizing production BEFORE anything is produced and with no guarantee that creation will be successful.

Without risk the free enterprise system cannot function. Not all risks and problems can be predicted, but once diagnosed.

They can be handled by lead entrepreneurs, executives, and boards working together. We all involve some kind of notion that entrepreneurship is risky, but the fact is startling.

Question must be asked to enhance business owner for the benefit for economy

1. Economic

How is the business enterprise world today? What's the chance for this endeavor? Include geopolitical threats, economic cycles, interest levels, and governmental regulations.

2. People

What about the venture team? How did they come together? Have they performed along before? Can they make through the expansion stage, or maybe there is too many cooks in the kitchen?

3. Market

How are the dynamics of this industry sector? Will there be heading to be room for growth in this market? What about the potential risks of other rivals?

4. Technical

Does the product work? What about some technology coming along in the foreseeable future that will make this product/technology worthless like a buggy whip?

5. Strategic

Is there a ecological competitive advantages? Include sharing the chance with strategic alliances and finding the right functions strategy with a practical business model.

6. Financial

Can this opportunity or activity get funded now? How about later rounds of financing, when growth kicks in and it requires given with cash?

7. Personal

Can the lead internet marketers truly commit? There are lots of sacrifices, as other priorities in life, like family, friends, and getaways that will have to come second.

1. 3 Within the business how do you want to optimize those property that are in your disposal for improvement of corporation performance?

1. 3. 1

Asset disposal is the process of disposing of used equipment such as Personal computers, printers, and machines in order to upgrade to a fresh system.

There are certain safety measures that are necessary with asset disposal since the process can make a business vulnerable to security risks regarding data.

Some of the security risks include the proper handling of sensitive data and legal compliance with the method of disposal of the gear.

When considering IT asset disposal, business effectively balances factors such as risk tolerance that is associated with disposing of secure data, the regulatory requirements associated with IT asset disposal.

The business must consider the next factors

Whether there are net removal benefits, either in financial or other forms.

Whether there is secondary service commitments associated with the asset which dictates its retention.

Whether removal be carried out without adverse influences on the physical environment.

In evaluating the great things about disposal, advantages and disadvantages for your business unit, not merely the controlling Business Unit, must be looked at.

Assets that have been recognized as surplus might need to be retained scheduled to heritage, cultural, environmental factors or requirements of other Business Units.

The symbolic importance and the ethnical significance of property should be considered when examining the disposal of the property.

The organization should consider the advantages of engaging experts if their experience in disposal activities is infrequent or not core business to aid with the activities in the disposal cycle.

1. 3. 2 Marketing of assets disposal composition must be accompanied by organization


Dose not contribute to the organization

Contribute to organization

Under performing

Performing ok


Improve performance

Unable to improve performance

Consider disposal

Consider performance

Question 2

Review the latest account of South African foreign trade (import and export) is there a dependence on a change of this profile, what can individual and business group do to be able to achieve a profile that could enhance economic development for South Africa

2. 1 Current account of South Africa trade

Type of Goods

Exports % Contribution to Total Export Earnings

Type of Goods

Imports % Contribution to Total Imports Bill


22. 0

Machinery & Equip.

29. 1

Precious Stones

3. 1

Transport Equipment

15. 1

Iron & Steel

11. 5

Chemical Products

11. 2

Mineral Fuels

9. 1

Crude Oil

8. 9


4. 3

Plastic & Silicone Prod.

4. 5

Machinery & Equip.

4. 1


4. 5


3. 8

Base Metals & Prod.

4. 4

Wood & Pulp

2. 6

Vegetable Products

3. 3

Edible Fruits & Nuts

2. 4

Precious Rocks/Met.

2. 5

Vehicles & Accessories

2. 3


13. 6

Paper & Paper Prod.

2. 2


22. 6

100. 0

100. 0

2. 2 Change

Need for a change of this S. A profile

The country has experienced a trade surplus over time.

The important exportable components of the united states include yellow metal, coal mining and production. The exports lovers of the united states are UK, US, Japan, Germany, China and Italy.

Major importable components of the united states are food, fuel and energy, and capital goods. The imports lovers in the country are Germany, UK, US, Japan, Saudi Arabia and France.

Crude Oil

Change we need to turn to export and import to African countries because some of the united states are developing

E. g. buying Trade Crude Essential oil = Gabon, Angola and Nigeria


South Africa export 22. 0 percent of yellow metal to foreign countries.

this need to be change because most of the gold mine is south Africa are shut down down and retrench a huge selection of employee this have an impact on the south African economy.

South Africa export gold and other countries thy just buy and produce jewelries and sell back again to South Africa with high price.

Vegetable Products (Farms)

The federal must spend money on the farming industry because South Africa only export 3. 3 percent of product so when the petrol and essential oil price raise the most farmers are definitely more influenced and price of plantation good become expensive.

Must find a way to export and import more than 3. 3 percent for then never to be affected

South Africa has a two tiered overall economy; one rivaling other developed countries and the other with only the standard infrastructure. It is therefore a effective and industrialized economy that displays many characteristics associated with growing countries, including a department of labour between formal and casual areas and an uneven circulation of riches and income. The primary sector, based on developing, services, mining, and agriculture, is well developed.

Agriculture in South Africa

Unlike other African countries, South Africa's agricultural sector is not dominated by subsistence farming, with most farms being large commercial, albeit family-owned, corporations. The country is totally self-reliant and has plenty of end result to export massive levels of agricultural produce. A great many other southern African countries count on South Africa for maize imports.

Due to the country's assorted climate, various crops are grown. The European Cape province has the most various and prolific agricultural sector. Wine has turned into a significant export, with South Africa now being the 5th greatest maker worldwide.

Agriculture contributes significantly less than 4% to GDP but makes up about 10% of total reported employment.

Trade and investment

South Africa has abundant mineral resources. It's the world's largest company and exporter of yellow metal and platinum and also exports a substantial amount of coal. Another major export is diamonds. During 2000, platinum overtook yellow metal as South Africa's greatest forex earner.

The country's diverse production industry is a global leader in several specialized industries, including railway moving stock, fabricated fuels, and mining equipment and equipment.

South African exports in 2006

South Africa has made great improvement in dismantling its old economic system, which was based on import substitution, high tariffs and subsidies, anticompetitive behavior, and extensive administration intervention in the economy.

The new leadership has moved to reduce the government's role in the economy and to promote private sector investment and competition. It offers significantly reduced tariffs and export subsidies, loosened exchange controls, cut the extra tax on corporate dividends, and upgraded enforcement of intellectual property regulations. A fresh competition rules was handed and became effective on 1 September 1999. A U. S. -South Africa bilateral taxes treaty gone into influence on 1 January 1998, and a bilateral trade and investment platform agreement was agreed upon in February 1999.

South Africa is a member of the World Trade Group (WTO). U. S. products qualify for South Africa's most-favoured-nation tariff rates.

South Africa also is an eligible country for the huge benefits under the African Development and Opportunity Work (AGOA), and the majority of its products can enter into america market work free. South Africa did away with most import permits except on used products and products controlled by international treaties. It also remains focused on the simplification and sustained reduced amount of tariffs within the WTO construction and maintains dynamic discussions get back body and its major trading partners.

Despite the many positive economic achievements since 1994, South Africa has struggled to entice significant Foreign Direct Investment. The situation may have started to change however, with 2005 finding the largest one FDI into South Africa when Barclays bought a majority talk about in local loan company Absa Group Limited. Deals between your British based mostly Vodafone and South Africa's Vodacom took put in place 2006.

This need to improve Real human capital flight

There has been a big degree of real human capital flight from South Africa lately. To price the first of the preceding recommendations

South Africa has lost 25% of its graduates to the United States alone. Additionally, South Africans account for 9. 7% of all international medical graduates rehearsing in Canada. Out of all the medical graduates made by the University of Witwatersrand in the last 35 years, more than 45% (or 2, 000 physicians), have left the country. South Africa's Bureau of Figures estimates that between 1 million and 1. 6 million people in skilled, professional, and managerial occupations have emigrated since 1994 which, for each emigrant, 10 unskilled people lose their jobs.

There are a variety of causes cited for the migration of skilled South Africans. In mid 1998, the Southern African Migration Project (SAMP) undertook a report to examine and assess the number of factors that donate to skilled South Africans' wish to leave the country

The electric powered crisis

In 2007 the state-owned electricity dealer (Eskom) started out experiencing too little capacity in the electrical power creating and reticulation infrastructure. This led to an lack of ability to meet the routine demands of industry and consumers, resulting in countrywide rolling blackouts. Initially the lack of capacity was induced by failing at Koeberg nuclear vitality station, but since then a general lack of capacity became noticeable. The distributor has been broadly criticised for failing woefully to effectively maintain existing ability stations or arrange for and develop sufficient electrical producing capacity.

Question 3

What role the banking sector play within an economy and how do your organization your immediate team as well as your self applied do to contribute to effective realization of the bank sector.

3. 1 FNB Consumer Sector Banking

FNB Consumer Sector Banking (PSB) offers Southern African municipalities a alternative banking partner, to be able to aid them in improving their financial systems and processes, as well as providing value-added advantages to the whole municipal community.

PSB would like to not only fortify our existing connections with municipalities, but also extend our learning to those whom we do not presently service.

First National Bank (FNB) feels that municipalities have an integral role to experience in South Africa's social and monetary development, thus ensuring that everyone receives basic services.

Municipalities should be free to focus on attending to the needs of the constituents and for this reason we've developed a range of comprehensive answers to care for our municipalities' unique financial and administrative needs. . .

Based on certain requirements of the MFMA (Municipal Funding Management Take action), we have identified the next solutions, amongst others, that happen to be essential to municipalities and which our offering is designed to cater for

A solo point of contact for everyone dealings with the bank to simplify their financial transactions

Multiple operational accounts for the many functions the municipality must perform (However, the principal account is particularly important, as studies upon this must be submitted to the Auditor Basic)

All income must be mirrored in the account for simple reconciliation

Appropriate and effective cash management solutions

Money that's not immediately required should be committed to order to optimise the funds available to the municipality

Local governments are no more purely equipment of service delivery, but are also designated an integral role as realtors of economical development.

Government's commitment to helping municipalities with poverty comfort, mostly through the provision of free basic services to impoverished homeowners, is manufactured clear by substantial raises in the equitable show give from R4, 0 billion in 2002/03 to R6, 3 billion in 2003/04 and R7, 1 billion in 2004/05.

A municipality must strive (within its financial and administrative capacity) to

Provide democratic and responsible authorities for local communities

Deliver services to neighborhoods in a ecological manner

Promote interpersonal and monetary development

Promote a safe and healthy environment

Involve communities in the issues of local government

3. 2 Unemployment

Unemployment is one of the most important challenges facing the indegent people in our country. It has been compounded by the actual fact that during the last two decades, the formal current economic climate (especially mining) has been losing careers and many workers were retrenched. Furthermore, each year hundreds of thousands of new job hunters (the vast majority of them children) join the army of unemployed.

In Sept 2004, a labour make survey demonstrated that South Africa's unemployment rate was pegged at 26. 2%. This means that, in our country's 15 million economically dynamic South Africans, four million end up with no employment.

Small companies are big drivers of economic progress and work - owner maintained businesses add 50% of private sector occupation and, consequently, they should be viewed as a way of dealing with the unemployment problem facing our country.

In South Africa, we have entrepreneurs who've big dreams; dreams that need finance in order to carefully turn them into truth. We also have individuals and companies who are able to attempt; individuals and companies who have the energy to provide funding and far needed support.

As Texas billionaire Ross Perot once said: "Most new careers won't result from our biggest employers. They'll come from our smallest. We've got to do everything we can to make entrepreneurial dreams possible.

Gouws pointed out that Southern African business assurance is at historic levels. GDP grows and consumer confidence reaches record highs on the back of low interest rates. The economical environment is also showing a turnaround to permanent investment in cultural and monetary infrastructure.

This form of investment will make it easy for private businesses to flourish, as more careers are being created. As Gouws says, now is the time for small company development.

FNB has been assisting South Africans since 1838, taking its ideas from a wealthy South African history.

Helpfulness reaches the heart and soul of FNB's brand promise to its stakeholders and personifies its customer service ethic with the catchphrase: "How can we help you?"

Mdu Bophela, who heads up Solutions for HOME BASED BUSINESS at FNB, says that the bank knows the difficulties associated with starting a fresh enterprise and the risk for failure.

It is accepted worldwide that the development and expansion of economy, Standard bank can play an important role in turning this example around. Plans and programmes to aid the development market are therefore an important part of the democratic government's programmes to create an improved life.

The challenge we've set ourselves is to discover a way of helping them to achieve success, " says Bophela. "Through offering business related resources, services, products and support, FNB Alternatives for New Businesses seeks to nurture and progress the durability of small business ventures in South Africa. "

The standard bank offers assistance in the form of the establishment of the legal entity, such as off-the-shelf companies and close organizations, through to impressive financing offerings. Included in these are FNB Leveraged Financing for practical businesses experiencing difficulty in elevating capital and the Improvement Fund to assist black Southern African youths between your age range of 18 and 35 who require money to begin up or increase their businesses.

To around this off, FNB offers mentorship services, business plan inventor and cash flow projection toolkits by using Enterprise Support where you can access a matching service that links someone to a national network of over 500 licensed, skilled and experienced mentors.

FNB also works the Bionetwork enterprisers club that affords customers quarterly happenings at Ster Kinekor cinemas nationwide, monthly regional marketing events in the united states, and a host of empowering knowledge and information via an extensive web website and special deals.

3. 3 Providing funding to emerging farmers

First National Lender Supply chain financing model among the list of obstacles that need to be get over to change the agricultural sector, usage of finance is arguably one of the very most fundamental.

In South Africa, finance institutions are expanding original models and methods on the low-income, subsistence farming sector to be able to help it grow and become not only self sufficient, but actually commercially effective.

When this approach is successful, the impact in conditions of poverty pain relief can be impressive based on the same World Lender report, GDP growth originating in agriculture is about four times effective in raising earnings of extremely poor people than GDP progress originating beyond your sector.

This latest truth sheet on the financial sector will look at how First National Loan provider, one of the top four retail banking companies in South Africa, is encouraging development in the emerging

Agricultural sector, through an original supply chain loaning model that helps to secure marketplaces and outlets for appearing farmers, while taking care of to avoid a few of the challenges faced by appearing farmers to of secure credit when they lack collateral.

FNB's supply string lending model is only one of many different alternatives that banking companies and financial institutions in South Africa have been producing during the last decade roughly, driven all the by regulatory imperatives as by their commercial interest.

Question 4

How do consumer behavior and behavior impact the increase and show up of the inflation rate, discus attractive consumer tendencies in Micro and Macro economical performance is usually to be lasting improve.

How do consumer habit and behavior impact the raise and semester of the inflation rate?

4. 1 Consumer behavior and behavior

Inflation rate is afflicted by the consumer action first.

4. 1. 1 Labor

Employees in the companies go on hit for weeks or months.

Production puts a stop to in the company and no supply to the stores.

Companies lose revenue.

Mining business close down and staff lose jobs

4. 1. 2 Household

People borrow money from the bankers.

Spend borrowed money on the blissful luxury materials.

People can't pay back their bills.

4. 2 Effects after Consumer habit and action in the inflation rate

Rise in Development Costs

When production costs rise, manufacturers - in order in which to stay business - are compelled to move those higher costs to the consumers

An unfavorable current rand/money exchange

A price surge of a critical item such as oil

Each time salaries and wages are increased that probably contributes to a higher inflation rate situation

Demand Factors

If the demand for goods and services reaches levels that suppliers are unwilling or struggling to meet, then prices will increase.

Population growth

Production levels not matching ever-increasing demand

Increase of homeowners' disposable incomes

In economics, inflation is a growth in the overall level of prices of goods and services in an economy over a period.

When the purchase price level goes up, each unit of currency will buy fewer goods and services; subsequently, inflation is also erosion in the purchasing electric power of money - a lack of real value in the internal medium of exchange and device of account in the economy.

A chief way of measuring price inflation is the inflation rate, the annualized percentage change in an over-all price index (normally the Consumer Price Index) over time.

Inflation can have negative and positive effects on an economy.

Negative ramifications of inflation include a decrease in the true value of money and other monetary items as time passes; doubt about future inflation may discourage investment and keeping, and high inflation can lead to shortages of goods if consumers get started hoarding out of matter that prices increase in the foreseeable future.

Positive effects include a mitigation of economical recessions and credit card debt relief by reducing


HIV/AIDS has a tremendous impact on all areas of the South Africa's economy; this consists of microeconomic and macroeconomic perspectives. A report on its economic impact singles out the following effects

A decline altogether labour supply

A decline in labour productivity resulting from HIV/AIDS-related morbidity

Increased production costs, prices, and a decrease in aggregate demand, savings and investment

Increased household expenditure

Increased federal government expenditure

Discus desirable consumer patterns in Micro and Macro cost-effective performance is usually to be lasting improve.

Micro-economics is thus concerned with economic decisions that your individual consumer must make, while macro-economics deals with questions of wide economic arid communal policy.

Micro level performance on macro current economic climate there's a tendency to blame poor micro level organizational performance on exterior environmental factors in general and macroeconomic environment specifically.

The converse is usually that the cumulative performance of micro level organizations feeds into the strength or otherwise of the macro economy.

The macro economy will be as strong or as weak as its micro constituents will be microeconomic conditions are located to be very important for corporate and business and country competitiveness and for economic development economical development.

As for the nationwide business environment, business information supply, information infrastructure, demand conditions, home provider quality, intellectual property security, and absence of bribery all describe variants in GDP per capita more strongly than human tool and physical infrastructure do.

If micro conditions nourish into macroeconomic strength, some of the business enterprise environment parameters above would be straight influenced by microeconomic performance.

Political steadiness and sound macroeconomic policies have long been considered the cornerstone for economical development.

The results here suggest that they are essential but not sufficient As a whole, the results again test the notion that microeconomic improvement is automated if proper macroeconomic plans are instituted

While institutions including the IMF have highly pressed macro reforms, our results claim that micro reforms are equally or even more important.

Without micro reforms, development in GDP per capita induced by reasonable macro policies will be unsustainable.

Our results highlight the pressing need to raised integrate microeconomic and competitive thinking into the economic reform process.

If reform work in producing countries remain limited by IMF-style macroeconomic modifications, we will face a sustained succession of disappointments.

Micro level performance improvement

This brings us to the state-of-the-art in business management which is recognized as tactical management of business organizations.

Strategic management of business organizations is to produce a reaction to the dynamic external environment with a view to stunning a fit between your internal and exterior environments so a firm is able to use its advantages and overcome its weaknesses with a view to exploiting the exterior opportunities and averting the hazards.

There are firms that make a response to the external factors as they face them, Some others anticipate the exterior factors and are well-equipped to brave the challenges of the external environment when faced with them.

Still others give condition to the external environment as they lead in their particular business areas blazing new trails for others to meet up with.

These will be the innovative and developed between the business organizations. However, the least that is now expected of business organizations is to foresee the external issues and be targeted at respond effectively as it pertains time to do so.

How might transformational change in organizations be initiated?

It is inner environment in organizations that requires a quantum change so as to make it internally strong and attentive to the exterior environmental opportunities and hazards. Internal strength comes from the efficiency with which the functions of the organization are being discharged. Efficiency is, in turn, a function of the beliefs that are shared within the organization and around which all activity coalesces.

If a perception and a value system is at the centre of the business, then the distributed values will provide durability if these work to gain the many constituents of the world. Otherwise, the organization will get caught in a zero-sum game with the societal components when sustainable growing organizations should attack a win-win marriage with the population in general and with all stakeholders specifically.

For, regarding to open-systems theory, organizations stay engaged in mutual exchange with the society.

Organizational outputs are a function of the quality of inputs they receive from the exterior stakeholders.

Quality of the inputs will be as effective as the grade of firm's outputs and results to the many stakeholders.


In the Southern African overall economy if the federal government can invest more in the farmers to create more product, this will opt for South African economy and it help to export and import more to African countries and international.

And the other thing we south African get affected is that we export and import tons of thing the when the U. S buck goes down every one of us go down with U. S $

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