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  • [Solved] quiita

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    any use of AI will result in automatic 0 – ## quiitaweek2assignment.docx **## quiitaweek2assignment.docx** The goal of this assignment is to set you up for success in designing research inquiries moving forward. Part of a solid research idea and proposal is having a workable research question that i…

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    Assignment Prompt & Instructions

    any use of AI will result in automatic 0

    – ## quiitaweek2assignment.docx

    **## quiitaweek2assignment.docx**

    The goal of this assignment is to set you up for success in designing research inquiries moving forward. Part of a solid research idea and proposal is having a workable research question that is narrow enough that it can be addressed in the space provided, and written in a way that is open-ended and free from bias.

    1. Start your assignment with an introductory paragraph about your research topic (please develop a research topic) and why it is of interest and a research "puzzle." You want to guide your reader from your research area to your research topic, then on to your general research question and specific research question.

    While there are many ways to frame a research question, at the graduate level, your research questions should be 1) open-ended and start with "How," "Why," "What," or "To what extent;" 2) should incorporate the variables you seek to assess and their relationship; and 3) should indicate how you intend to test the nature of that relationship. You want to make sure that your question has an appropriate amount of complexity so that it requires a significant amount of research and analysis. A simple Google search
    should not be able to answer your research question.

    **Too broad:** How can personal ambition in politics be harmful?

    **Too narrow:** What is Vladimir Putin’s position on ballistic missile defense?

    **Too vague:** What is Vladimir Putin’s "operational code?"

    **Appropriately Complex and Focused:** To what extent has Vladimir Putin been motivated by a drive for power compared to his predecessor Boris Yeltsin?

    **A key question to help address the above central research question may be:** How have Putin's personal ambitions shaped Russia's relations with the United States?

    2. Next, provide a purpose statement that conveys your intentions about what you hope to produce. See the references in your Lessons for additional insight. Often within the literature, this discussion is usually called out by a phrase like the following: "This paper examines . . .," "The aim of this paper is to . . .," or "The purpose of this essay is to . . .". Remember that a purpose statement makes a promise to the reader about the development of the argument but does not preview the particular conclusions that the writer has drawn. Your purpose statement should demonstrate what you are hoping to find out, and also explain what you want your readers to understand (motivation or argument of the research). Later on, when you go to write a paper, a trick to help keep your paper focused on your purpose or argument is to paste it into the header or footer while you write.

    This formula and example set from the Baruch College Writing Center may be helpful:

    | | | |
    | — | — | — |
    | This student is studying…<br>(Narrowed Topic) | …because this author wants to find out…<br>(Research Question) | ….so that readers understand…<br>(Motivation or Argument) |
    | Differences in Boston-based and Philadelphia-based abolitionist rhetoric… | …why Boston-based abolitionists emphasized broad themes of social justice… | …how previous scholars may have overlooked the role of free black Bostonians in shaping anti-slavery ideals. |
    | The Origins of the Glass-Steagall Act | …why lawmakers supported its passage… | …that their motives resulted not from careful economic analysis but rather from ideological preconceptions about the role of commercial banks in society. |

    (From Baruch College Writing Center "Focusing Research Topics Workshop" www.writingcenter.baruch.cuny.edu)

    3. Pull out the dependent (DV) and independent variable(s) (IV) that you are interested in looking at. This needs to be specific and you need to discuss ideas for how you might go about measuring the impact that the IV has on the DV. You need to focus on one or two specific variables (and discuss how they are defined), otherwise, your research will quickly spin out of control as you will not have the capacity to effectively address the relationship between all the variables. The
    [PRS Group](http://epub.prsgroup.com/list-of-all-variable-definitions) offers a good list of variables they use in their research. This list is just an example of variables to show you what a variable might look like and how it might be defined.

    **Hypothesis: A statement for how a change or condition in one or more independent variables causes (s) a change or condition in a dependent variable.**

    Not all studies or research papers require the use of a hypothesis. In most cases, hypotheses are used when a study is conducting an experiment or when a study is quantitative in nature. However, this is an important skill to develop in case you do go on to complete quantitative research or conduct a formal experiment.

    In this next step, you will develop a hypothesis that reflects your educated guess as to the relationship between your selected variables. You may use an "if" or "then" statement or you may formulate it as a narrative statement. Finally, explain why these are the important variables to look at within this research project. Why focus on these variables and not other variables?

    By the time you are done, you should have at least 3-4 pages of content (double-spaced in Times-New Roman font 12), not including the title page, and a "references list or bibliography" page. Your writing should be consistent with the professional/academic writing style. For a refresher on the conventions of academic writing please refer to the latest Turabian writing guide or APA writing manual.
    **Since multiple writing styles are in use within this course, on your title page, please note which style you are using within your assignment. This will help me cater my comments to the style you are using. The style you use needs to be the one that is used within your program of study.**

    Please contact me if you have any questions.

    You can also consult:

    The College Student's Guide to Writing A Great Research Paper: 101 Easy Tips & Tricks to Make Your Work Stand Out

    [https://ebookcentral.proquest.com/lib/apus/detail.action?docID=4740473](https://ebookcentral.proquest.com/lib/apus/detail.action?docID=4740473)

    **## quiitaweek2assignment.docx**

    The goal of this assignment is to set you up for success in designing research inquiries moving forward. Part of a solid research idea and proposal is having a workable research question that is narrow enough that it can be addressed in the space provided, and written in a way that is open-ended and free from bias.

    1. Start your assignment with an introductory paragraph about your research topic (please develop a research topic) and why it is of interest and a research "puzzle." You want to guide your reader from your research area to your research topic, then on to your general research question and specific research question.

    While there are many ways to frame a research question, at the graduate level, your research questions should be 1) open-ended and start with "How," "Why," "What," or "To what extent;" 2) should incorporate the variables you seek to assess and their relationship; and 3) should indicate how you intend to test the nature of that relationship. You want to make sure that your question has an appropriate amount of complexity so that it requires a significant amount of research and analysis. A simple Google search
    should not be able to answer your research question.

    **Too broad:** How can personal ambition in politics be harmful?

    **Too narrow:** What is Vladimir Putin’s position on ballistic missile defense?

    **Too vague:** What is Vladimir Putin’s "operational code?"

    **Appropriately Complex and Focused:** To what extent has Vladimir Putin been motivated by a drive for power compared to his predecessor Boris Yeltsin?

    **A key question to help address the above central research question may be:** How have Putin's personal ambitions shaped Russia's relations with the United States?

    2. Next, provide a purpose statement that conveys your intentions about what you hope to produce. See the references in your Lessons for additional insight. Often within the literature, this discussion is usually called out by a phrase like the following: "This paper examines . . .," "The aim of this paper is to . . .," or "The purpose of this essay is to . . .". Remember that a purpose statement makes a promise to the reader about the development of the argument but does not preview the particular conclusions that the writer has drawn. Your purpose statement should demonstrate what you are hoping to find out, and also explain what you want your readers to understand (motivation or argument of the research). Later on, when you go to write a paper, a trick to help keep your paper focused on your purpose or argument is to paste it into the header or footer while you write.

    This formula and example set from the Baruch College Writing Center may be helpful:

    | | | |
    | — | — | — |
    | This student is studying…<br>(Narrowed Topic) | …because this author wants to find out…<br>(Research Question) | ….so that readers understand…<br>(Motivation or Argument) |
    | Differences in Boston-based and Philadelphia-based abolitionist rhetoric… | …why Boston-based abolitionists emphasized broad themes of social justice… | …how previous scholars may have overlooked the role of free black Bostonians in shaping anti-slavery ideals. |
    | The Origins of the Glass-Steagall Act | …why lawmakers supported its passage… | …that their motives resulted not from careful economic analysis but rather from ideological preconceptions about the role of commercial banks in society. |

    (From Baruch College Writing Center "Focusing Research Topics Workshop" www.writingcenter.baruch.cuny.edu)

    3. Pull out the dependent (DV) and independent variable(s) (IV) that you are interested in looking at. This needs to be specific and you need to discuss ideas for how you might go about measuring the impact that the IV has on the DV. You need to focus on one or two specific variables (and discuss how they are defined), otherwise, your research will quickly spin out of control as you will not have the capacity to effectively address the relationship between all the variables. The
    [PRS Group](http://epub.prsgroup.com/list-of-all-variable-definitions) offers a good list of variables they use in their research. This list is just an example of variables to show you what a variable might look like and how it might be defined.

    **Hypothesis: A statement for how a change or condition in one or more independent variables causes (s) a change or condition in a dependent variable.**

    Not all studies or research papers require the use of a hypothesis. In most cases, hypotheses are used when a study is conducting an experiment or when a study is quantitative in nature. However, this is an important skill to develop in case you do go on to complete quantitative research or conduct a formal experiment.

    In this next step, you will develop a hypothesis that reflects your educated guess as to the relationship between your selected variables. You may use an "if" or "then" statement or you may formulate it as a narrative statement. Finally, explain why these are the important variables to look at within this research project. Why focus on these variables and not other variables?

    By the time you are done, you should have at least 3-4 pages of content (double-spaced in Times-New Roman font 12), not including the title page, and a "references list or bibliography" page. Your writing should be consistent with the professional/academic writing style. For a refresher on the conventions of academic writing please refer to the latest Turabian writing guide or APA writing manual.
    **Since multiple writing styles are in use within this course, on your title page, please note which style you are using within your assignment. This will help me cater my comments to the style you are using. The style you use needs to be the one that is used within your program of study.**

    Please contact me if you have any questions.

    You can also consult:

    The College Student's Guide to Writing A Great Research Paper: 101 Easy Tips & Tricks to Make Your Work Stand Out

    [https://ebookcentral.proquest.com/lib/apus/detail.action?docID=4740473](https://ebookcentral.proquest.com/lib/apus/detail.action?docID=4740473)

  • [Solved] Prof Double R

    ✓ Verified Academic Solution Available

    Executive Solution Overview

    Use what you have learned about yourself through the SWOT analysis and environmental scan you completed to develop a long-term and a short-term plan for yourself. Complete the following: 1. Start by describing your 5-year professional and financial objectives. – What title or position would you like…

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    Immediate access to the full model answer, formatted citations, and rubric breakdown.

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    Have this question answered from scratch according to your specific instructions and deadline.

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    Assignment Prompt & Instructions

    Use what you have learned about yourself through the SWOT analysis and environmental scan you completed to develop a long-term and a short-term plan for yourself. Complete the following:
    1. Start by describing your 5-year professional and financial objectives.
    – What title or position would you like to have?
    – Where would you like to be financial?
    2. Based on the results of your SWOT analysis and environmental scan, determine the following:
    – What skills do you need to develop to achieve your 5-year objectives?
    – Is your industry changing? What do you need to do to grow with it?
    – What resources do you have to help you achieve your 5-year objectives?
    3. Now develop a short-term plan that will help you achieve your long-term objectives:
    What will you need to accomplish each year to achieve your 5-year objectives?
    What monthly/weekly/daily steps will help you reach your long-term objectives?
    How will you address obstacles that occur along the way?
    To successfully complete this assessment, you may need to do some research on developing long-term and short-term plans. Format this assessment as a research paper following current APA guidelines for both style and citing sources, making sure that you also use correct grammar and mechanics. There is no required minimum or maximum page length; however, you should strive to be as detailed as possible in addressing each point, while also being as clear and concise as possible.

  • [Solved] white

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    Executive Solution Overview

    1. How can Project Managers develop a comprehensive schedule? Be sure to provide examples to support your answers. 2. Some claim that Project Management eliminates the "human touch". Please explain. 3. Visit Amazon.com and identify at least three specific elements of operations that involves schedul…

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    Need a Fresh Custom Paper?

    Have this question answered from scratch according to your specific instructions and deadline.

    Order on TutorsGallery →

    Assignment Prompt & Instructions

    1. How can Project Managers develop a comprehensive schedule? Be sure to provide examples to support your answers.
    2. Some claim that Project Management eliminates the "human touch". Please explain.
    3. Visit  Amazon.com and identify at least three specific elements of operations  that involves scheduling a project. Browse particular books on a  specific subject, leave the site and then go back and revisit again?  What do you see? Are these features likely to encourage you to purchase  more books in the future at Amazon.com? List the features and discuss  how they may lead to increased sales.
    4. What  factors enable Amazon.com to have superior project management and  scheduling techniques as compared to competitors like Target.com and  Walmart.com?
    5. Examine why schedule management and scope management are critical to e-project success.
    6. Examine why planning and a Work Breakdown Structure are critical to e-project success.
    **CO1 – The student will apply the concepts of schedule management by creating a comprehensive schedule.**
    \
    APA_7th_Template-Week2Assignment.docx](https://www.sweetstudy.com/files/apa-7th-template-week2assignment-docx "APA_7th_Template-Week2Assignment.docx")

  • [Solved] UB 1

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    Executive Solution Overview

    Please thoroughly read instructions provided – ## Assignment_1_Unbanked_Underbanked_Corrected.docx – ## BlankAssignment1FDICAnalysisReportTemplate.docx – Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls **## Assignment_1_Unbanked_Underbanked_Corrected.docx** ### Assignment 1 – A…

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    Need a Fresh Custom Paper?

    Have this question answered from scratch according to your specific instructions and deadline.

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    Assignment Prompt & Instructions

    Please thoroughly read instructions provided

    – ## Assignment_1_Unbanked_Underbanked_Corrected.docx

    – ## BlankAssignment1FDICAnalysisReportTemplate.docx

    – Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls

    **## Assignment_1_Unbanked_Underbanked_Corrected.docx**

    ### Assignment 1 – Analysis and Report of the Unbanked and Underbanked in the US

    #### Introduction

    The Federal Deposit Insurance Corporation (FDIC) conducts frequent surveys to understand the unbanked and underbanked situation in the U.S. In this assignment, we will use the 2023 FDIC National Survey of Unbanked and Underbanked Households. It is the most recent survey conducted by the FDIC focusing on the unbanked and underbanked situation in the U.S.

    The data has been cleaned and prepared in Excel format for our analysis. Each row in the spreadsheet contains information collected from one household. There are a total of 29,483 households included in the dataset. It is important to note that not all households carry the same weight in our analysis. Due to the sampling design, each household has a weight, and the weight (as opposed to count) will be used to calculate the proportions and statistics.

    To keep the scope of the assignment manageable, not all data from the FDIC survey have been included. The original data, dictionary, and survey questions can be found on the FDIC official website. Survey data from earlier years are also available.

    #### Assignment Questions

    What is the proportion of unbanked and underbanked households in the U.S.? (6 points)

    How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for: (20 points)
    a. The proportion of the unbanked population in different states
    b. The proportion of the underbanked population in different states

    What proportion of the unbanked individuals were previously banked? (6 points)

    What are the main reasons people become or choose to be unbanked? (6 points)

    How does the unbanked and underbanked proportion differ for different: (6 points each, total 42 points)
    a. Household type
    b. Employment status
    c. Education
    d. Citizenship and place of birth
    e. Disability status
    f. Income
    g. Race/Ethnicity

    How do the unbanked, underbanked, and banked differ in their use of the following alternative financial services (AFS)? (6 points each, total 48 points)
    a. Nonbank check cashing
    b. Nonbank money order
    c. Payday loan
    d. Pawnshop loan
    e. Refund anticipation loan
    f. Rent-to-own service
    g. Auto title loan
    h. Prepaid card

    7. How do the unbanked, underbanked, and banked differ in their home ownership? (6 points)

    8. In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services. (10 points)

    9. What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked. (6 points)

    #### Deliverables

    There are two deliverables for this assignment:

    1. The completed Microsoft Excel spreadsheet (based on the template with finished calculations)
    – For each question and sub-question except for questions 2 and 9, please include a pivot table.
    – For question 5, you will need one pivot table for each category (e.g., household type, employment status, etc.).
    – For question 2, creating one pivot table is sufficient, but you must include two separate visualizations for unbanked and underbanked proportions across different states.
    – Question 9 asks for your takeaway messages and does not need to be reflected in your spreadsheet.

    2. A professionally organized 3–6 page report that answers the questions above.
    – Organize your report as responses to each of the questions.
    – Focus on findings and insights; do not include technical details or calculation steps.
    – For questions 1–8, include:
    • The calculation results (percentages, tables, or visualizations).
    • Your interpretation of the results (e.g., whether it is high/low, implications for households, organizations, and governments).
    – For question 9, you’ll be graded on the quality of your summary.

    Please adhere to the page limit and refrain from including unnecessary details. For example, referencing the percentage value is sufficient — there’s no need to paste entire pivot tables since your Excel file will include them.

    File Naming:
    • Excel: [FirstName] [LastName] Assignment 1 Analysis.xlsx
    • Report (PDF): [FirstName] [LastName] Assignment 1 Report.pdf

    Please note that you are required to use Microsoft Excel to complete this assignment. Google Sheets, Apple Numbers, or other spreadsheet applications are not acceptable.

    #### Download the Template

    Download the Excel Template: “Assignment 1 FDIC2023 Clean Unbanked Underbanked Banked Template.xlsx” as the basis for your assignment.

    Each row in the sheet represents one household. The columns describe household information, including unbanked status, state, family income, etc.

    Some columns have empty cells. Empty cells represent missing or non-applicable values (e.g., the “main reason unbanked” field for fully banked participants). Consider and exclude these when appropriate during your analysis.

    #### Instruction and Demonstration Video

    Please visit the course website for the Assignment 1 demonstration video. The analysis will primarily use Pivot Tables.

    IMPORTANT: Dummy data is used in the demonstration video. Your actual analysis will produce different numbers.

    The data provided to you is the real, official FDIC dataset — your conclusions will reflect the most up-to-date understanding of the unbanked and underbanked landscape in the U.S.

    **## BlankAssignment1FDICAnalysisReportTemplate.docx**

    **Analysis and Report of the Unbanked and Underbanked in the US**

    _[Insert your full name]_

    In this assignment, we will use the FDIC 2021 data to understand, as of 2021:

    1) What is the proportion of unbanked and underbanked households in the US?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result. For example, is it a low/high percentage? What might be the implication for households, organizations, and governments?]

    2) How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for:
    _(20 points)_

    a. the proportion of the unbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    b. the proportion of the underbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    3) What proportion of the unbanked individuals were previously banked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result.]

    4) What are the main reasons people become or choose to be unbanked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.

    5) How does the unbanked and underbanked proportion differ for different:
    _(6 points each, total 42 points)_

    a. household type

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. employment status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. education

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. citizenship and place of birth

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. disability status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. income

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. race/ethnicity

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    6) How do the unbanked, underbanked, and banked differ in their use of the following alternative financial service (AFS)?
    _(6 points each, total 48 points)_

    a. nonbank check cashing

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. nonbank money order

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. payday loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. pawnshop loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. refund anticipation loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. rent-to-own service

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. auto title loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    h. prepaid card

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    7) How do the unbanked, underbanked, and banked differ in their home ownership?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    8) In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services.
    _(10 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    9) What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked.
    _(6 points)_

    [Insert your answer here.]

    **References**

    [Insert references / AI credit here.]

    1

    **Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls**

    This file is too large to display. [View in new window](https://www.sweetstudy.com/files/assignment1fdic2023cleanunbankedunderbankedbankedtemplate-xls)

    **Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls**

    This file is too large to display. [View in new window](https://www.sweetstudy.com/files/assignment1fdic2023cleanunbankedunderbankedbankedtemplate-xls)

    **## Assignment_1_Unbanked_Underbanked_Corrected.docx**

    ### Assignment 1 – Analysis and Report of the Unbanked and Underbanked in the US

    #### Introduction

    The Federal Deposit Insurance Corporation (FDIC) conducts frequent surveys to understand the unbanked and underbanked situation in the U.S. In this assignment, we will use the 2023 FDIC National Survey of Unbanked and Underbanked Households. It is the most recent survey conducted by the FDIC focusing on the unbanked and underbanked situation in the U.S.

    The data has been cleaned and prepared in Excel format for our analysis. Each row in the spreadsheet contains information collected from one household. There are a total of 29,483 households included in the dataset. It is important to note that not all households carry the same weight in our analysis. Due to the sampling design, each household has a weight, and the weight (as opposed to count) will be used to calculate the proportions and statistics.

    To keep the scope of the assignment manageable, not all data from the FDIC survey have been included. The original data, dictionary, and survey questions can be found on the FDIC official website. Survey data from earlier years are also available.

    #### Assignment Questions

    What is the proportion of unbanked and underbanked households in the U.S.? (6 points)

    How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for: (20 points)
    a. The proportion of the unbanked population in different states
    b. The proportion of the underbanked population in different states

    What proportion of the unbanked individuals were previously banked? (6 points)

    What are the main reasons people become or choose to be unbanked? (6 points)

    How does the unbanked and underbanked proportion differ for different: (6 points each, total 42 points)
    a. Household type
    b. Employment status
    c. Education
    d. Citizenship and place of birth
    e. Disability status
    f. Income
    g. Race/Ethnicity

    How do the unbanked, underbanked, and banked differ in their use of the following alternative financial services (AFS)? (6 points each, total 48 points)
    a. Nonbank check cashing
    b. Nonbank money order
    c. Payday loan
    d. Pawnshop loan
    e. Refund anticipation loan
    f. Rent-to-own service
    g. Auto title loan
    h. Prepaid card

    7. How do the unbanked, underbanked, and banked differ in their home ownership? (6 points)

    8. In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services. (10 points)

    9. What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked. (6 points)

    #### Deliverables

    There are two deliverables for this assignment:

    1. The completed Microsoft Excel spreadsheet (based on the template with finished calculations)
    – For each question and sub-question except for questions 2 and 9, please include a pivot table.
    – For question 5, you will need one pivot table for each category (e.g., household type, employment status, etc.).
    – For question 2, creating one pivot table is sufficient, but you must include two separate visualizations for unbanked and underbanked proportions across different states.
    – Question 9 asks for your takeaway messages and does not need to be reflected in your spreadsheet.

    2. A professionally organized 3–6 page report that answers the questions above.
    – Organize your report as responses to each of the questions.
    – Focus on findings and insights; do not include technical details or calculation steps.
    – For questions 1–8, include:
    • The calculation results (percentages, tables, or visualizations).
    • Your interpretation of the results (e.g., whether it is high/low, implications for households, organizations, and governments).
    – For question 9, you’ll be graded on the quality of your summary.

    Please adhere to the page limit and refrain from including unnecessary details. For example, referencing the percentage value is sufficient — there’s no need to paste entire pivot tables since your Excel file will include them.

    File Naming:
    • Excel: [FirstName] [LastName] Assignment 1 Analysis.xlsx
    • Report (PDF): [FirstName] [LastName] Assignment 1 Report.pdf

    Please note that you are required to use Microsoft Excel to complete this assignment. Google Sheets, Apple Numbers, or other spreadsheet applications are not acceptable.

    #### Download the Template

    Download the Excel Template: “Assignment 1 FDIC2023 Clean Unbanked Underbanked Banked Template.xlsx” as the basis for your assignment.

    Each row in the sheet represents one household. The columns describe household information, including unbanked status, state, family income, etc.

    Some columns have empty cells. Empty cells represent missing or non-applicable values (e.g., the “main reason unbanked” field for fully banked participants). Consider and exclude these when appropriate during your analysis.

    #### Instruction and Demonstration Video

    Please visit the course website for the Assignment 1 demonstration video. The analysis will primarily use Pivot Tables.

    IMPORTANT: Dummy data is used in the demonstration video. Your actual analysis will produce different numbers.

    The data provided to you is the real, official FDIC dataset — your conclusions will reflect the most up-to-date understanding of the unbanked and underbanked landscape in the U.S.

    **## BlankAssignment1FDICAnalysisReportTemplate.docx**

    **Analysis and Report of the Unbanked and Underbanked in the US**

    _[Insert your full name]_

    In this assignment, we will use the FDIC 2021 data to understand, as of 2021:

    1) What is the proportion of unbanked and underbanked households in the US?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result. For example, is it a low/high percentage? What might be the implication for households, organizations, and governments?]

    2) How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for:
    _(20 points)_

    a. the proportion of the unbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    b. the proportion of the underbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    3) What proportion of the unbanked individuals were previously banked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result.]

    4) What are the main reasons people become or choose to be unbanked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.

    5) How does the unbanked and underbanked proportion differ for different:
    _(6 points each, total 42 points)_

    a. household type

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. employment status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. education

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. citizenship and place of birth

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. disability status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. income

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. race/ethnicity

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    6) How do the unbanked, underbanked, and banked differ in their use of the following alternative financial service (AFS)?
    _(6 points each, total 48 points)_

    a. nonbank check cashing

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. nonbank money order

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. payday loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. pawnshop loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. refund anticipation loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. rent-to-own service

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. auto title loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    h. prepaid card

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    7) How do the unbanked, underbanked, and banked differ in their home ownership?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    8) In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services.
    _(10 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    9) What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked.
    _(6 points)_

    [Insert your answer here.]

    **References**

    [Insert references / AI credit here.]

    1

    **Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls**

    This file is too large to display. [View in new window](https://www.sweetstudy.com/files/assignment1fdic2023cleanunbankedunderbankedbankedtemplate-xls)

    **## Assignment_1_Unbanked_Underbanked_Corrected.docx**

    ### Assignment 1 – Analysis and Report of the Unbanked and Underbanked in the US

    #### Introduction

    The Federal Deposit Insurance Corporation (FDIC) conducts frequent surveys to understand the unbanked and underbanked situation in the U.S. In this assignment, we will use the 2023 FDIC National Survey of Unbanked and Underbanked Households. It is the most recent survey conducted by the FDIC focusing on the unbanked and underbanked situation in the U.S.

    The data has been cleaned and prepared in Excel format for our analysis. Each row in the spreadsheet contains information collected from one household. There are a total of 29,483 households included in the dataset. It is important to note that not all households carry the same weight in our analysis. Due to the sampling design, each household has a weight, and the weight (as opposed to count) will be used to calculate the proportions and statistics.

    To keep the scope of the assignment manageable, not all data from the FDIC survey have been included. The original data, dictionary, and survey questions can be found on the FDIC official website. Survey data from earlier years are also available.

    #### Assignment Questions

    What is the proportion of unbanked and underbanked households in the U.S.? (6 points)

    How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for: (20 points)
    a. The proportion of the unbanked population in different states
    b. The proportion of the underbanked population in different states

    What proportion of the unbanked individuals were previously banked? (6 points)

    What are the main reasons people become or choose to be unbanked? (6 points)

    How does the unbanked and underbanked proportion differ for different: (6 points each, total 42 points)
    a. Household type
    b. Employment status
    c. Education
    d. Citizenship and place of birth
    e. Disability status
    f. Income
    g. Race/Ethnicity

    How do the unbanked, underbanked, and banked differ in their use of the following alternative financial services (AFS)? (6 points each, total 48 points)
    a. Nonbank check cashing
    b. Nonbank money order
    c. Payday loan
    d. Pawnshop loan
    e. Refund anticipation loan
    f. Rent-to-own service
    g. Auto title loan
    h. Prepaid card

    7. How do the unbanked, underbanked, and banked differ in their home ownership? (6 points)

    8. In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services. (10 points)

    9. What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked. (6 points)

    #### Deliverables

    There are two deliverables for this assignment:

    1. The completed Microsoft Excel spreadsheet (based on the template with finished calculations)
    – For each question and sub-question except for questions 2 and 9, please include a pivot table.
    – For question 5, you will need one pivot table for each category (e.g., household type, employment status, etc.).
    – For question 2, creating one pivot table is sufficient, but you must include two separate visualizations for unbanked and underbanked proportions across different states.
    – Question 9 asks for your takeaway messages and does not need to be reflected in your spreadsheet.

    2. A professionally organized 3–6 page report that answers the questions above.
    – Organize your report as responses to each of the questions.
    – Focus on findings and insights; do not include technical details or calculation steps.
    – For questions 1–8, include:
    • The calculation results (percentages, tables, or visualizations).
    • Your interpretation of the results (e.g., whether it is high/low, implications for households, organizations, and governments).
    – For question 9, you’ll be graded on the quality of your summary.

    Please adhere to the page limit and refrain from including unnecessary details. For example, referencing the percentage value is sufficient — there’s no need to paste entire pivot tables since your Excel file will include them.

    File Naming:
    • Excel: [FirstName] [LastName] Assignment 1 Analysis.xlsx
    • Report (PDF): [FirstName] [LastName] Assignment 1 Report.pdf

    Please note that you are required to use Microsoft Excel to complete this assignment. Google Sheets, Apple Numbers, or other spreadsheet applications are not acceptable.

    #### Download the Template

    Download the Excel Template: “Assignment 1 FDIC2023 Clean Unbanked Underbanked Banked Template.xlsx” as the basis for your assignment.

    Each row in the sheet represents one household. The columns describe household information, including unbanked status, state, family income, etc.

    Some columns have empty cells. Empty cells represent missing or non-applicable values (e.g., the “main reason unbanked” field for fully banked participants). Consider and exclude these when appropriate during your analysis.

    #### Instruction and Demonstration Video

    Please visit the course website for the Assignment 1 demonstration video. The analysis will primarily use Pivot Tables.

    IMPORTANT: Dummy data is used in the demonstration video. Your actual analysis will produce different numbers.

    The data provided to you is the real, official FDIC dataset — your conclusions will reflect the most up-to-date understanding of the unbanked and underbanked landscape in the U.S.

    **## BlankAssignment1FDICAnalysisReportTemplate.docx**

    **Analysis and Report of the Unbanked and Underbanked in the US**

    _[Insert your full name]_

    In this assignment, we will use the FDIC 2021 data to understand, as of 2021:

    1) What is the proportion of unbanked and underbanked households in the US?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result. For example, is it a low/high percentage? What might be the implication for households, organizations, and governments?]

    2) How do the unbanked and underbanked situations compare across different states? To answer this question, please create two separate visualizations for:
    _(20 points)_

    a. the proportion of the unbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    b. the proportion of the underbanked population in different states

    [Insert your answer here. Please include the calculation result (no need to include the visualization, you may include just the key numbers) and your interpretation of the result.]

    3) What proportion of the unbanked individuals were previously banked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the number) and your interpretation of the result.]

    4) What are the main reasons people become or choose to be unbanked?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.

    5) How does the unbanked and underbanked proportion differ for different:
    _(6 points each, total 42 points)_

    a. household type

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. employment status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. education

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. citizenship and place of birth

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. disability status

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. income

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. race/ethnicity

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    6) How do the unbanked, underbanked, and banked differ in their use of the following alternative financial service (AFS)?
    _(6 points each, total 48 points)_

    a. nonbank check cashing

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    b. nonbank money order

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    c. payday loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    d. pawnshop loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    e. refund anticipation loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    f. rent-to-own service

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    g. auto title loan

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    h. prepaid card

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    7) How do the unbanked, underbanked, and banked differ in their home ownership?
    _(6 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    8) In question 6 above, we looked at how each AFS is used. In this question, let’s explore what proportion of unbanked, banked, and underbanked households used at least one of the AFS services.
    _(10 points)_

    [Insert your answer here. Please include the calculation result (no need to include the pivot table, you may include just the numbers) and your interpretation of the result.]

    9) What are the takeaway messages from your analyses above? Please describe the current landscape of unbanked and underbanked.
    _(6 points)_

    [Insert your answer here.]

    **References**

    [Insert references / AI credit here.]

    1

    **Assignment1FDIC2023cleanunbankedunderbankedbankedtemplate.xls**

    This file is too large to display. [View in new window](https://www.sweetstudy.com/files/assignment1fdic2023cleanunbankedunderbankedbankedtemplate-xls)

    – 1
    – 2
    – 3

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