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Business and economics personal statement example.
Business and Economic issues make headlines almost every day, everything from oil prices to the deals that are in the supermarkets every week. Even though the stories are constantly changing, a key idea remains: Economics and Business are major and influential areas of study in today's society. I believe that studying them to a degree level will challenge my understanding of economic theories and introduce me to key areas of business such as management and marketing.
During my A Level study of Economics, both microeconomics and macroeconomics have interested me. I have particularly enjoyed learning the basics of demand and supply and building on such knowledge by studying market structures such as perfect competition and monopoly. Whilst these models may be an extreme representation of a theory, it is important to understand how they work, as markets are constantly changing. For example technological developments, such as the internet, are making perfect competition a more realistic concept in the worldwide market. Understanding perfect competition therefore, would allow businesses to successfully expand to the online market by focusing on non-price competition such as the quality of customer service.
Having worked in a small business, which uniquely for that area had an online presence, I witnessed the benefits of monopoly power. Prices were pushed high as there was no competition providing a similar service, and supernormal profits of the business increased. Directly experiencing how business is influenced by economics as well as understanding and analysing this has not only increased my interest in it but also strengthened my drive to pursue it further.
Not only does economics impact firms, it can also affect politics. Politicians can use times of recession or hyperinflation to their benefit as people will vote for those political parties who promise to 'fix' the economy and increase social welfare. Perhaps one of the best examples of how big an impact economics has had on politics, international relations and history itself is how the National Socialist German Workers' Party gained so much support after unemployment hit 6 million in 1932 due to the economic depression caused by the Wall Street crash in 1929. The increased support of the party contributed to the beginning of one of the most horrendous events in human history- World War 2. The state of the economy influences not only businesses and politics but also individuals and their decisions. Understanding this influence that economics has on our daily lives is what makes it a very rewarding area to study.
At my previous school, I received many awards for my dedication to academics in subjects such as History, English and French. Aside from my studies, I volunteered as a stage manager for a school production where I was able to demonstrate clear communication and leadership skills by helping organise all aspects of the show. At sixth form, I am responsible for lower school pupils as a part of my prefect duties, which requires teamwork and co-operation with both staff and other students.
Economics has taught me analytical and evaluative skills which I have further developed in both A Level Biology and Philosophy and Ethics. I have also gained experience in analysing sets of data, problem solving, essay writing and doing independent research which requires self-motivation, time management and organisational skills.
Philosophy and Ethics has also introduced me to key and current relevant issues of business ethics such as Fairtrade, rights of workers and how businesses should treat the environment. Studying such a varied set of subjects has given me a broad and well-rounded range of knowledge about the world and has prepared me with the skills needed to study a Business and Economics degree at university.
Profile info
There is no profile associated with this personal statement, as the writer has requested to remain anonymous.
Author's Comments
I applied to : Manchester Met for Business/Economics Nottingham Trent for Business Management and Economics + Economics and Business University of Brighton for Business and Economics Leeds Met for Business Economics
Got offers from all.
I tried to focus mostly on my academics as I didn't have many extra curricular activities. Mostly economics as I study it at A Level and I tried my best to incorporate all my A Level subjects as they were so varied.
This personal statement is unrated
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Sample Economics Personal Statement (admitted to Oxford, Cambridge, LSE)
by Talha Omer, MBA, M.Eng., Harvard & Cornell Grad
In personal statement samples by field.
The following personal statement is written by an applicant who got accepted to top graduate programs in economics. Variations of this personal statement got accepted at Oxford, Cambridge, and LSE. Read this essay to get inspiration and understand what a top economics school PS should look like.
You might also be interested in reading this Statement of Purpose in Economics that got admitted to Harvard, Yale and Princeton.
Sample Personal Statement Economics
“Flick…chuggachuggachuggaa…puttt-putttt-puutttttt…rizzzz…”
The sounds coming from near the doorway may have startled an outsider but were barely noticed by the people lounging on charpoys and mooras (wicker stools). With the atmosphere abuzz with their chatter, the sputtering sound of the diesel generator lent more time to catch up as the bulbs lit up and fans whirred on throughout the haveli (palace) on an otherwise hot evening. But on days when it refused to crackle, my grandmother would enkindle gas lanterns filling the veranda with hissing sounds and soothing moonlight rays.
I still cherish these memories from my childhood trips to XYZ, my native village, some 450kms from the closest city. At the time, the short sojourns from Kuwait felt rather adventurous. However, the perspective turned wrong when I permanently moved to XYZ. Due to unannounced electricity breakdowns, we would find ourselves groping in the dark to the closest candle stand while sweating in the scorching summer.
And just when we thought it couldn’t get worse, the occasional power breakdowns segued into a full-blown crisis of the decade. Over the next seven years, we witnessed unprecedented power outages averaging 15-18 hours daily. People weren’t just lamenting the loss of mental peace; they were mourning the monetary losses worth billions of rupees translating into 1.5% of GDP.
Fast forward 15 years, and I found myself in a position to alleviate the situation. As Deputy Administrative Head of the Government’s Economic Affairs division, I administer a departmental budget worth $500 million. I am currently undertaking solarization projects. A recent shift towards renewables has occurred after public unrest during the early decade led to hasty investments in thermal-based power plants. Unfortunately, seven years later, we are still reeling from the aftermath of a bitter public backlash as we have the lowest regional electricity consumption per capita.
In addition to high tariffs, the energy sector has been marred by the accumulation of circular debt of $30 billion. This has been caused by multiple factors, such as electricity theft, transmission losses, and non-payment of dues. Having worked in Economic Affairs Division, I have also been part of a team that took massive power sector reforms, including:
- elimination of subsidies
- policy formulation on electricity theft and conservation
- overhaul of sectoral regulatory bodies
- privatization of distribution companies et al.
However, as the Program ended, so did the reforms.
Regrettably, negative externalities from these energy woes have had spillover effects on all socio-economic sectors. The environment has especially poorly been affected by the process for the lack of an integrated generation and transmission policy framework in the renewable industry. Being a lower riparian state has also exacerbated climate change. We face extreme weather conditions – floods, droughts, smog, and diminishing water tables. Unable to agree on water issues not covered under the Indus Water Treaty has led to regular skirmishes and legal battles in the International Court of Justice.
Given the background, my country’s economic and Energy woes require a holistic understanding of the subject. This makes Economic policy specializing in Energy the right choice for my graduate studies. Furthermore, I can become an effective leader and economist in the sector through the interdisciplinary pedagogical approach covering policy, economics, management, law; practical skills; quantitative and qualitative analysis within an international context.
My aim is socio-economic development in tandem with confidence-building measures and strategic partnerships with the neighboring countries. Studying at Oxford will provide this learning opportunity in and out of the class as I will interact with some of the most brilliant minds worldwide and work in teams with them. I also look forward to student-led events, conferences, guest lectures, field trips, and panel discussions to augment my understanding of supranational political demands. This will help me lead economic policy reforms for the next 25 years.
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7 Economics Personal Statement Examples | With Analysis
What makes a great personal statement?
How do you improve your chances of achieving a university offer in economics?
In this post I will give some personal statement examples and discuss what the best economics personal statements do well.
Key features that great personal statements share
Disclaimers, evolution of economics personal statements, what makes a great economics personal statement, key features that great personal statements share: a reminder, lots of supercurricular activities, personal insights about such activities, demonstrate key skills, a well written essay, more economics personal statement advice, latest posts.
This diagram shows my summary of what makes a great economics personal statement. Based on my experience as an economics tutor and economics personal statement examples, here are four qualities that make personal statements stand out.
I explore these categories further below and in my ultimate economics personal statement guide.
For my ultimate economics personal statement guide, check out the link below:
Firstly, here is a list of ten economics personal statement examples available online.
Also below, there is analysis of what makes a great economics personal statement.
To learn how to improve your economics personal statement, check out the link below by clicking the blue button:
I cannot guarantee that the personal statements linked above achieved the university offers claimed on those pages. Nor can I claim that each statement is 100% perfect.
By linking to these sites, I do not endorse any of the sites linked above.
You should not copy any part of the personal statements above. Doing so is plagiarism and can lead to the disqualification of your university application. Instead learn from the techniques and kinds of things mentioned in their statements. See specifically the rest of this article for what we can learn from these personal statements.
A proportion of the samples above are relatively old (five to ten years ago or more).
For some universities the personal statement is more important for applications. Consider for example LSE and UCL, top universities where there are no admissions tests or interviews.
We can look at more recently written and publicly available personal statements.
Based on these, here are some observable trends in recent years among the best performing economics personal statements:
- More supercurriculars relative to the above personal statements.
- More reference to undergraduate-level economic theory. This can show further reading and an ability to potentially do well in the undergraduate course.
In this section I am drawing on my experience as a tutor about what makes a great personal statement. I am also using the available online examples of economics personal statements and the criteria listed by the top UK universities.
Such statements are by no means always perfect, yet they show the qualities and skills that allow students to attend the best universities.
These examples allow us to analyse what makes a great personal statement and also where students often go wrong with personal statements.
As a reminder, here are the four features of great economics personal statements mentioned above:
- Lots of supercurriculars
- Highlighting key skills
- Personal takeaways
Here is a breakdown of these categories:
What activities have you completed, outside of class, that relate to economics? Have you read a book, entered an economics-related competition, or watched an economics lecture? These are examples of supercurricular activities. I consider these a key focus for the best personal statements and I discuss these further in my economics personal statement ebook. These show your motivation to study economics which will be critical if you want to study the subject for three years at university.
For more on supercurricular activities, click the link here:
These are what I refer to as “personal takeaways” later in this guide. What did you learn from the supercurricular activity? Detail is very important, both for showing a high level of understanding and also to convince the person reading your statement that you actually completed the activity. This should go beyond just recalling the activity – maybe there is something you learnt from this activity or something you read that you disagreed with. We discuss how to write about personal takeaways in the ebook.
For more information about how to use supercurricular activities in your statement, including how to generate personal insights, click this button below:
Obviously you should try to show academic ability in economics and motivation to study economics. But what other skills are useful to show in a personal statement?
While there are many skills that could potentially be useful, I draw your attention for now to two key skills: Ability in mathematics and independent study (including research). Evidence from supercurricular activities that you have these skills will help convince admissions staff. Moreover these skills will help you in the economics course.
What constitutes a “well written essay”?
Your personal statement should be well structured, with effective links between ideas and paragraphs. The grammar should be completely correct, that is there should be no mistakes.
Finally consider your vocabulary – can you embed economics-related terminology into your personal statement? You can use a thesaurus but do so with caution – sometimes it is obvious where a thesaurus has been used (and often the new word used does not make sense in that context!).
For more economics personal statement tips or for economics university application advice, check out the link below:
For A-level Economics resources, click the link here:
- 14 Practice Papers for A Level Economics 2024
- 11 Practice Questions in style of Edexcel Economics Paper 2
- 25 Practice Questions in style of Edexcel Economics Paper 1
- 22 Real World Examples for Microeconomics 2024
- Key real world examples for macroeconomics 2024
About the author
Helping economics students online since 2015. Previously an economist and economics tutor, I now focus on providing economics resources on tfurber.com . Read more about me here .
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How to Write a Strong Personal Statement
- Ruth Gotian
- Ushma S. Neill
A few adjustments can get your application noticed.
Whether applying for a summer internship, a professional development opportunity, such as a Fulbright, an executive MBA program, or a senior leadership development course, a personal statement threads the ideas of your CV, and is longer and has a different tone and purpose than a traditional cover letter. A few adjustments to your personal statement can get your application noticed by the reviewer.
- Make sure you’re writing what they want to hear. Most organizations that offer a fellowship or internship are using the experience as a pipeline: It’s smart to spend 10 weeks and $15,000 on someone before committing five years and $300,000. Rarely are the organizations being charitable or altruistic, so align your stated goals with theirs
- Know when to bury the lead, and when to get to the point. It’s hard to paint a picture and explain your motivations in 200 words, but if you have two pages, give the reader a story arc or ease into your point by setting the scene.
- Recognize that the reviewer will be reading your statement subjectively, meaning you’re being assessed on unknowable criteria. Most people on evaluation committees are reading for whether or not you’re interesting. Stated differently, do they want to go out to dinner with you to hear more? Write it so that the person reading it wants to hear more.
- Address the elephant in the room (if there is one). Maybe your grades weren’t great in core courses, or perhaps you’ve never worked in the field you’re applying to. Make sure to address the deficiency rather than hoping the reader ignores it because they won’t. A few sentences suffice. Deficiencies do not need to be the cornerstone of the application.
At multiple points in your life, you will need to take action to transition from where you are to where you want to be. This process is layered and time-consuming, and getting yourself to stand out among the masses is an arduous but not impossible task. Having a polished resume that explains what you’ve done is the common first step. But, when an application asks for it, a personal statement can add color and depth to your list of accomplishments. It moves you from a one-dimensional indistinguishable candidate to someone with drive, interest, and nuance.
- Ruth Gotian is the chief learning officer and associate professor of education in anesthesiology at Weill Cornell Medicine in New York City, and the author of The Success Factor and Financial Times Guide to Mentoring . She was named the #1 emerging management thinker by Thinkers50. You can access her free list of conversation starters and test your mentoring impact . RuthGotian
- Ushma S. Neill is the Vice President, Scientific Education & Training at Memorial Sloan Kettering Cancer Center in New York City. She runs several summer internships and is involved with the NYC Marshall Scholar Selection Committee. ushmaneill
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Successful Personal Statement For Economics At Cambridge
Last Updated: 12th April 2022
Author: Chloe Hewitt
Table of Contents
Welcome to our popular Personal Statement series where we present a successful Personal Statement, and our Oxbridge Tutors provide their feedback on it.
Today, we are looking through a Economics applicant’s Personal Statement that helped secure a place at Cambridge University. The Economics Course at Cambridge provides a rounded, rigorous education in Economics which is valuable for a wide range of career paths.
Read on to see how this candidate wrote a Personal Statement that helped secure their place on a reputable degree.
Here’s a breakdown of the Personal Statement:
SUCCESSFUL?
The universities this candidate applied to were the following:
Enrolling on our Cambridge Economics comprehensive Programme will give you access to Personal Statement redrafts.
With our Oxbridge Economics Premium Programme, your tutor will give you regular actionable feedback with insider tips on how to improve and make your Personal Statement Oxbridge quality for the best chances of success.
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Economics Personal Statement
The right answer – does such a thing even exist? When considering the field of mathematics, my response would be an unequivocal yes – indeed, I find its simplicity and elegance some of its most attractive qualities. For economics, however, the question of a right answer is not so straightforward. My interest in economics was sparked when I read “Freakonomics” and “SuperFreakonomics”. I found the search for a logical explanation behind seemingly illogical behaviour intriguing, and the idea that small changes to incentives could effect such large changes to those behaviours fascinating.
To further my understanding, I attended lectures at the LSE, including one given by Ha-Joon Chang. His arguments challenged much of what I had learned – deregulation and trade liberalisation would not, apparently, stimulate competitive growth, while education, it turned out, could not be counted on to increase entrepreneurship or productivity. These contradictions made me eager to read his “23 Things They Don’t Tell You About Capitalism” and “Bad Samaritans”. Although relishing his controversial stance on almost everything, I found his central thesis – that by using protectionism to support fledgling domestic industries, other poor nations can emulate South Korea’s success – overly optimistic and one-size-fits-all. As Paul Collier argues in “The Bottom Billion”, many are trapped by conflict or bad governance, with even bleaker prospects after “missing the boat” on which many Asian economies sailed away to prosperity.
While economics is rooted in the world around us, with all its fascinating, messy complexities, mathematics derives its beauty from its abstract nature. It is unique in that it can lead us to an answer that is not merely the right one, but is true in an absolute sense. This was emphasised by G. H. Hardy in “A Mathematician’s Apology”, where he spoke of a mathematical reality distinct from the ordinary one, of which we can only ever hope to produce a “partial and imperfect copy”. Another of the appeals of mathematics is its breadth of application. I was able to explore this over the past three years in a series of Royal Institution master classes covering topics from graph theory to the mathematics of juggling. My decision to continue with mathematics was confirmed when I undertook the AEA; I found it challenging but immensely satisfying to be able to use simple concepts from the A-level core modules to solve even the most daunting problems.
Over the past year, I have mentored two students in mathematics. Explaining concepts to them helped deepen my own understanding and led me to explore proofs behind theorems I had previously accepted. In addition, acting as a primary school classroom assistant inspired me to set up my own volunteering scheme, in which I and other students help children learn to read. I have enjoyed competing in the UKMT Mathematics Challenge, in which I won a medal at Olympiad level, and the UK Linguistics Olympiad, in which I twice progressed to the selection round for the national team. I have also represented my school in the Hans Woyda competition, and am excited to be doing the same in the Target 2.0 challenge later this year.
Despite their differences, the authors I mentioned above hold something in common: their use of empirical methods to reach conclusions. It is here that the attraction of combining the study of mathematics and economics becomes especially apparent. Without mathematics, economics risks beginning to earn its title “the dismal science”, reducing to speculation and rhetoric without even the emotional investment enjoyed by politics. This is not to dismiss the importance of normative economics, but to say that it draws meaning from a basis in fact. I am not arguing for sound bite solutions to complex questions, but rather that, even in a field as hotly debated as economics, the right answer is still a worthwhile goal, reachable through the use of data and copious amounts of trial and error.
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Good Points Of The Personal Statement
This statement is thoughtful and interesting, and conveys clear motivations for studying Economics, as well as demonstrating a good level of preparation for university study. The student elaborates on their response to each preparatory activity they engaged in, rather than falling into the trap of simply listing books read and lectures attended. They are clearly passionate about the subject, and show promise as an economist, which they demonstrate in, again, not only listing their achievements, but explaining what they took from the experience, and subtly indicating what this says about them as a student.
Bad Points Of The Personal Statement
I have very little to say in criticism of this essay except that, perhaps, it could come across as a little cliché. Questioning whether there is such a thing as ‘the right answer’ in the introduction, and concluding that pursuit of the field to which they’re applying for further study is worthy are both very common.
UniAdmissions Overall Score:
This is an exceptional personal statement. Not only is the student accomplished, they convey this without bragging, and in enough detail that we gain insight into their abilities, motivations, and personal interests, rather than simply receiving a list in prose form. Though the ideas with which the student begins and concludes the statement are somewhat unoriginal, the explanation found in between is exceptionally strong, and justifies the unoriginal sentiments – they’re clearly not being added just as throwaway lines.
This Personal Statement for Chemistry is a great example of demonstrating motivation and development which is vital to Admissions Tutors.
Remember, at Cambridge, these Admissions Tutors are often the people who will be teaching you for the next few years, so you need to appeal directly to them.
Check out our other successful personal statements and our expert guides on our Free Personal Statement Resources page.
Successful Personal Statement For Natural Science (Physical) At Cambridge
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Personal statement
The quality of an applicant's personal statement is very important at LSE. The School does not interview for places so this is an applicant’s only opportunity to demonstrate they are a good fit for the course. Applicants should consult the advice here, as well as advice from UCAS when preparing to complete this section of their application.
Please note that writing a personal statement following the guidelines below does not guarantee an offer of admission. Personal statements are looked at on a comparative basis and there is a great deal of competition for places at LSE.
LSE does not accept additional or supplementary personal statements. We can only consider the personal statement submitted via UCAS.
Writing your personal statement
We expect that your submitted Personal Statement is structured and coherent and that you fully utilise the space available on your UCAS application form. We expect that you have checked spelling, punctuation, and grammar and that your Personal Statement flows in a logical order. We expect that your Personal Statement is entirely your own original work. We reserve the right to reject your application where it has been found that a statement has significant similarities to a previous submission or has been created with the use of Artificial Intelligence.
Before you start writing, do your research
Before you start writing your personal statement, you should visit our course guides . These guides give information on the course content of each of our undergraduate programmes.
When assessing your personal statement our Admissions Selectors will look at how well your academic interests align with the LSE course. So, for example, the Anthropology Admissions Selector is likely to prefer a statement which focuses mainly on social anthropology - which is taught at LSE - over one which suggests the applicant is very interested in biological anthropology, or a combined degree with archaeology, as these courses are not offered at the School.
Similarly, a personal statement which shows an interest mostly in modern international history (the focus of LSE’s International History course) is likely to be more competitive than one which shows a significant interest in ancient history, as LSE does not offer any ancient history units.
If you are applying for a range of slightly different courses, we recommend that you focus your personal statement on the areas of overlap between them, so that your statement appeals to all of your UCAS choices. It is important to note that LSE does not accept replacement or supplementary personal statements.
What to include in your personal statement
Your personal statement should discuss for the most part your academic interest in the subject you wish to study. One way to think about the personal statement is to reflect on what we expect from LSE undergraduates: we ask them to learn about topics relevant to their course, through reading or other experiences, and then discuss the ideas they have encountered in academic essays. This is the skill we look for in the personal statement and we recommend at least 80% of your statement should be dedicated to this type of academic discussion.
How you show your wider engagement with your subject is entirely up to you. Our Selectors look for students who can best reflect on the experiences and academic ideas they have encountered through the opportunities available to them, not those who have had the best opportunities. If you are not sure where to start, you could try listening to podcasts of LSE public events or look in the prospectus for examples of suggested reading. Remember we are interested not just in a list of what you have read/encountered, but evidence you have reflected on the academic ideas.
To help you begin, there are several questions you could think about:
- Why have you chosen the course? What attracted you to the subject? Which aspects of the subject have interested you sufficiently to want to study it at degree level? Is there a specific area of the subject you wish to focus on? What are the big issues in the subject, and what do you find most interesting about them? What are your thoughts on these topics?
- Have you developed your subject interest outside of your school studies? For example, have you undertaken any additional reading to broaden your knowledge of the subject? Have you attended lectures or explored online material relating to the subject? What did you find interesting in your reading/in the lectures you attended and what are your thoughts on the topics covered?
- Have you gained any skills from your other school subjects that complement your application to study your chosen subject? Have you had the opportunity to undertake work experience relevant to your application? If you did, how did this experience give you a wider understanding of the topics you will study at university?
- Have you attended any schemes or activities at LSE or other universities, such as Summer Schools, Saturday Schools, LSE Choice, etc? What you have learned from these? Have they furthered your knowledge of or interest in your chosen subject?
If you are applying for deferred entry, as well as thinking about the questions listed above, you may also wish to indicate (briefly) why you are taking a gap year and what you plan to do during the year.
If you are applying as a post-qualified student (ie, you have already received your final results), you may wish to mention briefly what you have been doing since your exams.
Please note : You are not expected to simply answer all of the questions above; these questions are merely intended to give you some guidance as to what to think about when writing your statement.
Extra-curricular activities
At LSE you are admitted to study a particular degree course so the majority of your personal statement − at least 80% − should focus on your academic interest in that subject. Many students like to include some details of their extra-curricular activities such as involvement in sports, the arts, volunteering or student government. As our Selectors are most interested in your academic interests, we recommend that no more than 20% of your statement is spent discussing extra-curricular activities.
Applying to combined degree programmes
LSE offers a number of combined degree programmes. If you are applying to one of these programmes, you are advised to give equal weighting to each subject in your statement. For instance, if you are applying to our Politics and Economics degree, you must show evidence of interest in both subjects; a statement weighted towards only one aspect of the degree will be significantly less competitive.
Example of a poor personal statement
"I have always dreamed of coming to LSE since I was young. It has been a dream of mine to study at this institution, which is well renowned for its social science courses.
I am currently studying History, English and Business and Management at Higher level and Italian, Maths and Chemistry at Standard level in the International Baccalaureate, and feel that these subjects are providing me with a solid background for university study.
I want to study History because I want to be a world class Historian, and feel that this degree will help me. I am especially interested in Ancient History, particularly the history concerning the Roman Empire. I am fascinated by the way in which the empire was run, and the events that led to its downfall.
"I was the captain of the school football team, and this has taught me the importance of working together as a team, and allowed me to prioritise my time between my studies and football practice. I feel that this has provided me with the experience to successfully balance my academic and social life, and I plan to continue this balance whilst at university.
It is my dream to become an alumnus of the School, and I am sure that as I am the top student of my class, you will offer me a place."
This brief example of a personal statement is poor. The applicant has mentioned an interest in history but they have not discussed this in depth or shown any evidence of wider engagement with the subject. Where the applicant does talk about history, the discussion is superficial and focussed on ancient history, which LSE does not offer as part of our history course.
The applicant has specifically mentioned LSE, which is likely to be unattractive to their other choices, and has wasted space listing their International Baccalaureate subjects, which would be shown in the qualifications section. The applicant has described how a history degree will help them get the job they later want, rather than what they are looking forward to studying during the degree.
The applicant has reflected on the transferable skills they have developed leading the football team. This is good, but it would be nice to see the same level of reflection applied to academic topics - this student has spent more time talking about football than about history.
UCAS reference Your teacher's reference: what we're looking for
Watch this presentation LSE Admissions Specialist Paul talks about personal statements
Study at LSE webinars Watch our Personal Statement FAQs webinar
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PERSONAL STATEMENT EXAMPLE Economics and Finance Personal Statement
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Economics and Finance Personal Statement
Over recent years I have developed a passion for looking at current events and how they affect the economy. This interest originates from the enjoyment I get from using maths to analyse a problem, as many situations can be explained clearly using maths. Economics is a subject that is very much alive and this is what makes it interesting to me. Every day there are new situations that economists can explore and analyse and I find this prospect extremely exciting.
Studying Pre-U Economics has increased my enthusiasm for the subject as I enjoy following macroeconomic debate in the UK and learning how globalisation changes markets. I have gained insights about how firms have had to react to globalisation and how nations use protectionism as a way of preventing industries from collapsing. The analytical skills that I have developed in Physics have proved particularly helpful as I can transfer these skills to Economics, despite them being quite different subjects. I enjoy following financial markets where you can see how the economic impacts of global events play out and have recently setup a paper trading account. The trading application helps further my understanding of the impacts of economic events. I can test my hypothesis of a particular event against the change in markets and improve my understanding.
I became interested in the socioeconomic elements of development and international aid after reading ‘Dead Aid’ by Moyo. The idea of ‘trade not aid’ resonated with me and led me to conduct further research which led me to conclude that having a skilled labour force would be more economically beneficial than trade. Reading ‘Awakening Giants’ by Bardhan gave an interesting insight at the speed at which China has become a leading economy.
I have also enjoyed exploring the world of economics through work experience, the first of which was with Tradition, a global financial services firm. I learnt how to analyse and rank different trading strategies based on historical data modelling. At Guardian Stockbrokers I witnessed in real-time the impact of macro and microeconomic data on different asset classes. I set up a demo trading account on the company’s platform to experience first-hand how the slightest change in the economic outlook can influence the market price. Last summer I secured a place in HSBC’s work experience programme for 6th form students. I learnt about different aspects of retail banking and gained insight into how a retail bank works. This helped put some perspective as to how banking has changed over the years after the financial crisis.
Last year, I was selected to represent my school in a Physics symposium and as part of the team my role was to apply my analytical skills and communicate the results to my team. This opportunity helped with my team building skills. I have also experienced how to set up a company and run a profitable business when I was appointed the company Financial Director for the young enterprise scheme. I gained insight into how to conduct meetings and improve my presentation and negotiation skills. I enjoy playing classical guitar and have had the opportunity to perform in school concerts throughout my school years. As an active member of the school Charity and Community Service committees I help the local community by volunteering at the day shelter for the homeless and the YMCA cafe. This experience provided me with a different perspective on life. Throughout school I have captained and toured with many school teams playing tennis, football and cricket.
Everyday something new happens in the economic world, I would love to be part of an undergraduate course that analyses these events. This is why Economics is my chosen course and I look forward to expanding my knowledge in this field at undergraduate level and, hopefully, further.
This student also took a year abroad too.
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Understanding bank statement mortgages
- Who do they benefit?
What Are Bank Statement Loans?
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- A bank statement loan is a type of mortgage that uses bank statements to help the borrower qualify for financing.
- These mortgages are geared toward self-employed borrowers who could benefit from using bank statements in lieu of tax returns.
- Bank statement loans sometimes come with higher mortgage rates.
Though it might not seem fair, self-employed borrowers and small business owners often have a harder time qualifying for a traditional mortgage , even if they can afford one. But that doesn't mean getting a mortgage is impossible.
Many mortgage lenders have solutions to help borrowers who run their own businesses become homeowners — namely, bank statement loans, which allow borrowers to qualify based on their banking trends, rather than tax documents and pay stubs. These provide business owners a way to qualify for a mortgage without sacrificing any of their businesses' tax breaks.
Bank statement mortgages are an alternative loan option for those with non-traditional income. This can include freelancers, contractors, small business owners, and other similar professionals.
These loans help non-traditional borrowers qualify for mortgages thanks to their:
Income verification alternatives
When getting a mortgage, borrowers are required to provide a bunch of documents proving that they have the income to afford the loan. Mortgage lenders want to be sure that a monthly mortgage payment won't push your debt-to-income ratio too high and put you at risk of default.
Traditionally, this is done with W-2 forms and tax returns that show the taxable income the borrower has earned in the previous two years. But for borrowers who are self-employed, providing the traditional mortgage documentation can be tricky.
Bank statement loans enable these borrowers to apply using bank statements instead of tax documents. For those who have enough income to afford a monthly mortgage payment but struggle to qualify for a conventional mortgage , a bank statement loan can make homeownership possible.
"These loan programs were designed to serve the self-employed borrower community and give them a product that can be underwritten adequately to control risks but to also give well-qualified entrepreneurs a tool to achieve homeownership," says Jon Bodan, strategic financing advisor at Real Estate Bees and president of mortgage lender The Perpetual Financial Group .
Focus on cash flow
With a bank statement loan, lenders are primarily looking to establish your cash flow trends — to determine how much you reliably have in the bank each month and how much you can devote to your new monthly mortgage payment.
To qualify for a bank statement loan, you'll generally need to provide between 12 to 24 months worth of consecutive bank statements. The lender will use this to determine your income trends.
By using their bank statements to show how much income they're pocketing after taxes and business expenses, these borrowers can successfully show lenders that they have the finances to afford a mortgage.
Who benefits from bank statement loans?
If your tax returns don't reflect your true income, you lack traditional income documents like W-2s or pay stubs, you own your own business, or work as a contractor or freelancer, bank statement loans can be a good option to consider. Here's a look at how professionals can benefit from these loans:
Self-employed borrowers
As we mentioned, borrowers are traditionally expected to show W-2s and tax returns when applying for a mortgage. But self-employed borrowers don't typically receive W-2s, and their tax returns often show them earning less income than what they actually earn.
"Many self-employed borrowers write off practically everything on their tax returns so they can minimize their tax liability, but they have plenty of cash and cash flow to service a mortgage successfully," Bodan says.
Business owners with fluctuating income
Bank statement loans can also be helpful for business owners with unpredictable incomes.
In this case, lenders can use the past few years of bank statements to determine the company's net income and, thus, how much the business owner can comfortably afford to pay each month toward a mortgage.
Those with significant assets
You might also want to use a bank statement loan if you have little or inconsistent income but lots of assets. If you have a large trust fund , for example, but not much incoming earnings, a bank statement loan would allow you to qualify by how much you have in that fund and other bank accounts, rather than relying on your current earnings and tax returns.
Bank statement loans are more complex than traditional loans and may require more documentation, but they're not necessarily harder to get. If you have enough in the bank to cover the monthly payment you're applying for, then bank statement mortgage qualification should not be a problem.
To qualify for a bank statement loan, you'll usually need at least 12 to 24 months of personal and business bank statements. This helps the lender establish your income trends and determine what you can afford. Before applying for a loan, ask your lender if they offer 12-month vs. 24-month bank statement loans. This will allow you to gather documentation early and ensure a smooth and fast underwriting process.
In some cases, bank statement loans may come with higher rates. Borrowers using these loans are often considered riskier, as their income is not as dependable as those with traditional 9-to-5 jobs.
Some banks and credit unions offer self-employed bank statement mortgages, but you'll have the best luck with more specialized mortgage lenders. You can also work with a mortgage broker. These professionals have access to dozens of bank statement loan lenders and can recommend the right one for your needs.
If you don't have traditional income documents like W-2s or pay stubs or you take a lot of business-related tax writeoffs, a bank statement loan may be the best option for you to get a mortgage.
The upside of these loans is that they can make it easier for non-traditional income earners to get a mortgage. The downside is that they may have higher interest rates and closing costs or require a higher down payment.
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Business and Economics Personal Statement Example. Business and Economic issues make headlines almost every day, everything from oil prices to the deals that are in the supermarkets every week. Even though the stories are constantly changing, a key idea remains: Economics and Business are major and influential areas of study in today's society.
Business and economics degree personal statement example (1a) This is a real personal statement written by a student for their university application. It might help you decide what to include in your own. There are lots more examples in our collection of sample personal statements. Economics was the first subject which caught my attention, and ...
The following personal statement is written by an applicant who got accepted to top graduate programs in economics. Variations of this personal statement got accepted at Oxford, Cambridge, and LSE. Read this essay to get inspiration and understand what a top economics school PS should look like. You might also be interested in reading this ...
Economics/Business Economics Personal Statement. Submitted by Nola. I've always loved figuring out how things tick or why people reason the way they do. Whether this be questioning the actions of Duke Vincentio in Shakespeare's play, Measure For Measure for a mock trial or reasoning with the cynical nature of business culture in society.
Examples. Firstly, here is a list of ten economics personal statement examples available online. Also below, there is analysis of what makes a great economics personal statement. + Good evidence of independent study. + Great supercurricular activities discussed.
PERSONAL STATEMENT EXAMPLES Economics personal statements . ... Business Economics Personal Statement . Having derived from a family that has continuously been driven by bus... Submitted by Alice. Economics Personal Statement . Globally, 385 million children are living in extreme poverty. Economi...
Enrolling on our Oxford Economics & Management comprehensive Programme will help you perfect your Personal Statement. Welcome to UniAdmissions, the world's first Oxbridge preparatory school with an Oxbridge success rate of 57%and with over 500+ UniAdmissions students placed at Oxford and Cambridge. Performing well in the TSA is crucial for ...
Economics Masters Personal Statement Sample. Written by Hannah Slack. This is an example personal statement for a Masters degree application in Economics. See our guide for advice on writing your own postgraduate personal statement. The notion of financial risk has always fascinated me.
Keep your personal statement personal. Don't forget the purpose of your personal statement: to explain who you are, what inspires you and why you'd be a good fit for the course. "Be yourself," says Luke at the University of Kent. "Tell us what has motivated you to apply for economics. Your rationale can be as grand or as humble as you ...
On this page is a collection of economics personal statements, all written by real students. Among them are some that have helped students make successful applications to universities such as Cambridge, LSE and Manchester. ... Business and economics personal statement example (1a) Submitted by: Anonymous
Write it so that the person reading it wants to hear more. Address the elephant in the room (if there is one). Maybe your grades weren't great in core courses, or perhaps you've never worked ...
What to include in your economics personal statement. Your long-term goals: explain how your degree choice fits with your future ambitions and career aspirations. Wider reading: do pick out one or two specific issues that had an impact on you - just saying you subscribe to 'The Economist' or 'The FT' or that you've read ...
This statement is thoughtful and interesting, and conveys clear motivations for studying Economics, as well as demonstrating a good level of preparation for university study. The student elaborates on their response to each preparatory activity they engaged in, rather than falling into the trap of simply listing books read and lectures attended.
Business, marketing and management personal statements Business economics and finance degree personal statement example (1a) work experience This is a real personal statement written by a student for their university application.
I feel that this has provided me with the experience to successfully balance my academic and social life, and I plan to continue this balance whilst at university. It is my dream to become an alumnus of the School, and I am sure that as I am the top student of my class, you will offer me a place." This brief example of a personal statement is poor.
Business Personal Statement Examples | Uni Compare. Transform lives with a Health and Social Care Degree from Bangor. Prepare for a digitally advanced workplace with cutting edge Finance Degrees. Taken from 65,000+ data points from students attending university to help future generations. Discover university rankings devised from data collected ...
Personal Statement. The Labovitz MBA uses the standard personal statement prompts from the Graduate School. These are saved in a .doc, .pdf, or .txt format and uploaded individually on the online application. Statement #1 - Personal Statement. Please provide a statement outlining your immediate educational and long-range career objectives in ...
Economics and Finance Personal Statement. Over recent years I have developed a passion for looking at current events and how they affect the economy. This interest originates from the enjoyment I get from using maths to analyse a problem, as many situations can be explained clearly using maths. Economics is a subject that is very much alive and ...
To qualify for a bank statement loan, you'll usually need at least 12 to 24 months of personal and business bank statements. This helps the lender establish your income trends and determine what ...