INSTITUTE OF HIGHER TECHNOLOGICAL EDUCATION.

“CEPEBAN”

(DRAW INSTRUCTIONAL – INVERTED CLASS)

PROFESSOR : ELOY PAREDES PAREDES

_____________________________________________________________

SPECIALTY : ADMINISTRATION OF BANKING AND FINANCIAL BUSINESSES.

SEMESTER : II IV VI

DRAW OF SESSION LEARNING.

Unidad Didáctica: Synchronous hours Asynchronous hours
INGLES PARA EL TRABAJO II - 202907 45 minutes 45 minutes
Topic: ECONOMIC CRISIS FACTORS Week: 16
Skill: Make an analysis about the economic crisis factors

ASYNCHRONOUS PHASE (BEFORE THE SESSION)

Activities. Material resources Time.
 Document word File Word 30 minutes
 Answer questions about ECONOMIC CRISIS
FACTORS
Evidence learning: Make An audio and make an explanation about economic crisis factors

SYNCHRONOUS PHASE (DURING THE SESSION)

Sesion’s Activities Material resources Time.
moments
Start  professor ask questions about economic crisis factors File words. 10
 Professor take notes about students answers. Q10 platform minutos
Microsoft teams

Development  Professor explain about economic crisis factors Microsoft teams 30

 Students translate the document of the class to Spanish platform minutes
and then make an audio and make an explanation about
the economic crisis factors
 Professor monitor the students classwork
 Socialize the answers
Close. Microsoft teams 5
 Responde a la actividad de metacognition: platform. minutes
.How did you seem the class?
Did you understanding the Class?
Do you think the topic is important? Why?
Evidence learning: Make An audio and make an explanation about economic crisis factors
 ASYNCHRONOUS PHASE (AFTER SESSION)
Exit evaluation Material resources Time.

Resolve the evaluation Virtual room 15´minutes

Week 2
Evidencia de aprendizaje:
Qualified exit evaluation (Time 10 minutes ,one dialogue)
 ECONOMIC CRISIS FACTORS.
An economic crisis refers to a major financial crisis in a country or across
many countries that impacts the banking system, the stock market and, often,
even the stability of the government. An economic crisis can occur due to
many factors but it is often a combination of factors that combine to create
financial instability.

Liberal Lending Practices

In a growing economy with high employment rates, banks are more likely to
lend to consumers and businesses with reasonable rates and liberal
repayment terms. When an economy begins to contract, banks and other
lending institutions will tighten up lending policies, making it difficult to borrow
for home buying purposes or to start or grow a business. Liberal lending
policies can tip off an economic crisis when borrowers cannot afford the terms
of their loans when the economy contracts. In the 2008 economic crisis, liberal
lending in the United States mortgage market found many homeowners in
trouble when their teaser interest rates ended and the rate adjusted. Many
individuals could no longer afford to carry their homes and foreclosures shot
up, shaking the confidence of the entire United States economy.

Stock Market Bubbles

A stock market bubble occurs in a strong economy when demand for equity
investments rises and the prices of stocks are driven higher than an objective
valuation would dictate. With no true assets to back the lofty prices, the stock
prices eventually cannot support themselves and the entire market corrects
back to a reasonable valuation. When this happens across a broad spectrum
of stocks, investors withdraw money out of the uncertain markets, which
destabilizes them further. Farther along in the cycle, confidence will slowly
return once investors believe that the stocks have hit their lowest possible
point.

High Unemployment
High unemployment levels can result from an economic crisis in action or can
be one of the causes of it. An economic crisis can occur when high interest
rates, tight lending and a decrease in consumer spending results in
companies letting go of employees to survive the economic downturn. This
turns into a nasty downward spiral as unemployed consumers do not spend
freely, impacting businesses further and leading to more layoffs. Increasing
unemployment can also be found when companies outsource jobs to other
countries. This type of unemployment is more permanent in nature and can
lead to longer-term economic instability.
Natural Disaster
An environmental crisis can also spark an economic crisis. Hurricanes,
widespread flooding, insect infestations and crop diseases can impact the
food we eat and the prices we pay at the grocery store. Rising food prices can
impact consumer spending habits and begin the downward cycle that reduces
business income and results in unemployment.