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2 pages/≈550 words
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Annotated Bibliography
English (U.S.)
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Negative And Positive Effects Of Credit (Annotated Bibliography Sample)



The annotated bibliography helps you locate and evaluated sources. Additionally, you’ll be able to practice your citations.


For this assignment, you will annotate at least 5  sources you plan to use for your research presentation on the topic of your choice. At least one of the sources you annotate must be a peer-reviewed academic journal article, and at least one must be a book (e-books are fine). The other sources you annotate may be scholarly or not, but all should be credible.

Keep in mind that the more scholarly sources you have, the more credible your body of research. Do not limit yourself to sources that support your position only; you will need a rebuttal, so sources that disagree with you may be useful. Also, note that you will need resources to support your proposed solution(s) to the problem you identify, so make sure at least one of your sources is related to solutions.

Additional Details

An annotated bibliography is a list of sources complete with annotations. Each annotation for each source includes three parts: a summary, an analysis, and a reflection. Each part of the annotation should be a short paragraph (around 3-5 sentences or so). The annotation should also include the bibliographic information for the source (either MLA or APA format).

Lamott's book offers honest advice on the nature of a writing life, complete with its insecurities and failures. Taking a humorous approach to the realities of being a writer, the chapters in Lamott's book are wry and anecdotal and offer advice on everything from plot development to jealousy, from perfectionism to struggling with one's own internal critic. In the process, Lamott includes writing exercises designed to be both productive and fun.

Lamott offers sane advice for those struggling with the anxieties of writing, but her main project seems to be offering the reader a reality check regarding writing, publishing and struggling with one's own imperfect humanity in the process. Rather than a practical handbook to producing and/or publishing, this text is indispensable because of its honest perspective, its down-to-earth humor, and its encouraging approach. 

Chapters in this text could easily be included in the curriculum for a writing class. Several of the chapters in Part 1 address the writing process and would serve to generate discussion on students' own drafting and revising processes. Some of the writing exercises would also be appropriate for generating classroom writing exercises. Students should find Lamott's style both engaging and enjoyable.


Negative and Positive Effects of Credit
Institutional Affiliation
Negative and Positive Effects of Credit
Ruziqa, A. (2013). The impact of credit and liquidity risk on bank financial performance: the case of Indonesian Conventional Bank with total asset above 10 trillion Rupiah. International Journal of Economic Policy, 6(2):93-106
Ruziqa offers readers with an interesting topic about the impact of credit and liquidly risk on a bank's financial performance. The paper offers a deep insight on financial institutions that have significant assets and earnings. Readers can follow through the example of an Indonesian bank with a rich portfolio and use the gathered knowledge on other banks across the world.
This article is full of information that reveals the inner workings of a bank and offers an almost step-to-step guide on how banks can examine their performance. The article will especially be resourceful in providing a scenario on how credit and liquidity can negatively affect banks, given they are the most common financial institutions.
Hasan, M., Farid, A., & Al Mamun, C. (2014). Profitability and credit risk management: A comparative study of commercial banks in Bangladesh. IOSR Journal of Business and Management (IOSR-JBM), 16(9):53-64
Hasan, Farid, and Al Mamun write on how financial institutions in Bangladesh manage profit and credit amid increased banking opportunities.
Various models used in this paper make it an ideal paper for readers who want to understand more about the positive and negative impacts of credit on financial institutions.
This paper can be used an example of how the credit risk of financial institutions are evaluated. This paper is relevant for this particular study since the understanding of credit effects relies on the various credit risk management systems executed by financial institutions.
Lie, C., Peters, H.L., Veliu, B., & Harper, D. (2010). The “negative” credit card effect: Credit cards as spending-limiting stimuli in New Zealand. The Psychological Record, 60(3):399-411
This paper describes findings on credit effects, the use of credit cards, and spending limit in New Zealand. Lie and others use the understanding of consumer behavior and the history of credit effect in New Zealand to explore credit card stimuli.
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