Thursday, 4 August 2011

understanding profit, costs and revenue changes

COST REVENUE AND PROFIT FUNCTIONS

Many business situations allow us to model how cost, revenue and vary
with respect to different parameters, and how they combine to yield a
functional expression for profit.
In most cases, it is then possible to attempt to maximise and minimise
these functions using calculus techniques.

In any commercial environment, the gross profit can be considered as a
simple functions of the difference between the revenue obtainable from
the sale of a number of products and the costs involved in producing those
products, i.e.
Profit(P) = Revenue(R) − Costs(C).
eg, if a wholesaler can buy items at $6.50
each and sells them at $7.20, the profit per item is $7.20 - $6.50 =$0.70. The total profit realised from the handling of x items can be
expressed in a similar form:
Profit from x items
= Revenue from x items − Cost of x items
= (7.20)x − (6.50)x
= (0.7)x

The Profit Function
Normally, both cost and revenue functions of x (the number of items
demanded or supplied) and so an expression for profit, also as a function
of x, can be derived as the difference between the revenue and cost
functions:
Definition: The Profit Function
P(x) = R(x) −C(x)
where
x
is the quantity of items demanded
(supplied or produced)
P(x) is the profit function in terms of x
R(x) is the revenue function in terms of x
C(x) is the cost function in terms of x

It is usual to assume that supply and demand of items (or products) is
identical unless specifically stated otherwise.
A maximum profit point for some process can be defined through normal
calculus methods.
Definition: Maximum Profit Point
The Maximum Profit Point for some process can be
solved by solving the equation
P′ (x) = 0
for x, where
x is the quantity of items demanded (supplied or produced)
P is the profit function in terms of x

In general however, the precise form of cost and revenue functions
are not known and it is more likely that it will be necessary to derive
them from supplied information.

Cost Functions


There are normally a number of components to the cost of produced:
Fixed (or setup) costs This type of cost is normally associated with the
purchase, rent or lease of equipment and fixed overheads. It can
sometimes include the transportation and manpower movement costs
also.
In general, it can be considered as all those costs that need to be
borne before production can physically begin (and thus is
independant of the number of items to be produced).
Variable costs These are costs normally associated with the supply of
the raw materials and overheads necessary to manufacture each
product. Thus, they will depend on the number of items produced.
For example, if x is the number of items produced in a day and each
item costs $2.50, then the daily variable cost is (2.5)x.

Special costs This option cost factor is sometimes included in a total cost
function and might cover costs relating to storage, maintenance or
deterioration. The total costs involved are normally expressed in the
form cx2 , where c is a relatively small value and x is the number of
items under consideration.
The effects of this type of cost would only be significant for large
production rungs or other large processes. Hence, a total cost
function takes a general form as follows:

Definition: Form of a Cost Function
C(x) = a + bx + cx2
where
x
is the quantity of items demanded
(supplied or produced)
a is the fixed cost associated with the product
b is the variable cost per item
c
is the (optional) special cost factor

Revenue Functions
We can write the revenue function from the output of some process as
follows:
Definition: Form of a Revenue Function
R(x) = x pr (x)
where
x
is the quantity of items demanded
pr (x) is the fixed cost associated with the product.

The Demand Function

It is quite usual in a business environment for item price to depend on the
number of items in demand. That is, the more items that are in demand,
the less the price per unit is. Hence, the reason that price is expressed in
terms of x.
It is usually known as the demand function, where it should be
remembered that (unless otherwise stated) it is assumed that supply and
demand are equal.
The following two sections outline its form and the technique that
sometimes need to be used to identify it.
Demand functions are used to vary the price of an item according to how
many items are being considered. As mentioned in the previous section,
the more the number of items, the less the price per item and vice versa.
This is simply the standard business principle of ‘economies of scale,’
where it is generally more efficient to operate on as large a scale as can be
coped with.
Demand functions are normally linear.
Definition: The Demand Function
pr (x) = a + bx
where
x
a, b
is the quantity of items demanded
∈R
pr (x) is the price function
Thus, if we have pr (x) = 25 − 2x then R(x) = x(25 − 2x) = 25x − x2 .


Constructing the Demand Function
In many cases the demand function will not be stated specifically, but
rather given in terms of the price of the unit at two different demand
levels.
In these cases, we assume that the demand function is linear, and
construct the demand function accordingly.
As an example, suppose the price of a product is $0.85 per item when
100 products are demanded, but is $0.68 when 500 items.
So, we assume the demand function is linear and so has the form
pr (x) = a + bx
Substituting our two sets of values gives us:
(0.85) = a + b(100)
(0.68) = a + b(500)
Subtracting
=⇒ (0.17) = −400b
and so we have b = −0.000425 and so a = 0.85 + 0.0425 = 0.8925
Thus, our demand function is
pr (x) = 0.8925 − (0.000425)x

Figure below represents a graph of (a) the hypothetical total revenue, total cost, and profit functions, and (b) the marginal revenue, marginal cost, and marginal profit functions.

Monday, 4 July 2011

impact of the global financial crisis on financial strategies and processes

the global financial has taken the world by storm since 2007 upto date. however the causes of such a crisis are up to now not clear, but the major culprits being an implosion of subprime mortgage market in the united states that led to the collapse of northen rock andcountrywide. in april 2008, there occured a second wave when the federal reserve engineered the emerging side of the 88 year old bank bear steam.

loss of confidence by investors in the value of specialised mortgage in the u.s resulted in a liquidity crisis that prompted a substantial injection of capital into financial markets by the u.s federal reserve bank and the european central bank. moreover, commodity price volatility also impacted on the brewing of the global financial crisis.

an empirical study by john. b taylor found out that the crisis was caused out by excess monetary expansion and prolonged by by an inability to evaluate counter-party risk due to opaque financial statements. the crisis was the worsened by the unpredictable nature of government response to the crisis.

ineraction between housing markets and financial markets also contributed to the crisis. thomas freedman came up with the following on this issue

Wednesday, 11 May 2011

africa watch

Africa is fully endowed with resources but what is still disheartening is the situation that it has still the most poorest economies in the world. I think the time has now arrived that we need to take a view of the causes of such a trail as Africans and come up with our own African solution to the situation. First of all it is better for us to understand the difference between the economy and politics. It is clearly notable that the economies of almost all African countries are in the hands of the ruling governments hence the risks of poor steward ship.The best move here which can left us as a continent in a better position is by forming African centered organizations which can come up with different positive views which can help us form a road map to the trimphuant. One issue the panel should take into consideration is the readjustment of the AFRICA DVT BANK so that the bank can be able to issue a currency which will find its way to circulate in all counties providing borrowing by different governments. Since dollarization is not only about adopting the US dollar but any other currency i think Africa should dollarize without disallowing member countries to use their own currencies to provide room for localized adjustments of the monetary policy. Africa has a lot to learn from the European union in order

sisco finance: financial innovation

sisco finance: financial innovation

financial innovation

 It is high time that we should spare a thought for our ailing economy.
It has been cited that there is need for fresh capital in order for our economy to be viable.
While it is true, it is also undeniable that Zimbabwe needs not only financial injection but also financial innovation.
Seeking for funds is not about sitting and yelling for help, but is all about revolutionarising our financial markets and coming up with new products which can then  attract investors.
This can be achieved through restructuring our financial markets and developing new systems of transferring high risk investments into low risk investment through repackaging and over collaterisation and the development of new investment vehicles for instance of high yield mutual funds.
Therefore boosting the competiveness of our local financial market which is currently running on an informal platform by a certain factor of transformation will attract global players and will automatically mark the end of the crisis.

Francis Chinjekure

Tuesday, 10 May 2011

savings and the economy

Saving is an important activity in every economy and it entails the ability of citizens or corporates to save their excess money with the banking system which can then pool those funds which can later be borrowed by investors at an interest hence earning an income. Savers can also benefit from that investment by earning an interest based on the investments made.Mutual Funds, Unit Trusts and Commercial Banks acts as the intermediaries or custodians of the funds and make loans which they can offer to the public, government institutions and companies. This will bring us to a new conception of financial markets entailing the platform where the trade of notes, stocks and bonds actually takes place. Different products can then be tailor made to suit the existing or future markets.These products are the ones which will give a clear distinction of the financial markets based on their tenure, interest rate and whether they are being traded for the first time or not. Financial assets can take the form of Treasury bonds, Treasury bills, bankers acceptances, negotiable certificates of deposit, commercial paper, REPO agreements and general loans. From these assets there can be derived other forms of tradable assets which are called financial derivatives for example forwards, futures, swaps and options. This information and all other kinds of information prevailling in the market need to be taken in to consideration for the best of decision making for example the government can cut income tax there by improving disposable incomes and savings, by borrowing from the financial institutions in form of bonds the government can also bring hope to the sector and improve efficience

Sunday, 8 May 2011

financial markets

A financial market is a market where the trade of newly and already existing  financial assets takes place. They act as a mechanism which bring buyers and sellers of financial assets together. There are several types of financial markets which are money markets, commodity markets, derivatives markets, exchange rate markets and capital markets. In money markets securities which takes a life of one year or less are traded whilst those which have a greater life which exceeds one year upto thirty years are traded. Bonds, notes and stocks are the most common assets traded. The capital market can also be called a bond/stock market.  Derivatives markets encompass the trade of assets which derive their existence from other assets such as forwards, futures, swaps and options. Markets are also defined upon whether they have a central location or they can take place anywhere (not organized), organized markets take the form of stock exchanges such as the New York Stock Exchange(NYSE) and the Zimbabwe Stock Exchange(ZSE).Over The Counter markets are actually informal markets such as the National Association of Securities Dealers Automated Quotation(NASDAQ). The exchange rate market entails the trade of currencies between two countries to facilitate trade of goods, manpower and ideas between those countries.These kind of markets are further divided into secondary and primary markets. In the primary market there takes place the trade of newly issued assets which are for the first time finding their way into the markets and subsequently the secondary markets accommodates already existing stocks which are being traded for the second time or more than that. When dealing in these kinds of markets it is better that you first establish a better understanding of the risks involved. It i also advised to get the upto date information about all the variables characterising the markets so that it will be possible to manage a portfolio of assets.