...of banker & customer take the form of creditor and debtor. Standard Bank offers different types of loans and advances, which are mainly, categorized under 2 heads, namely Small Enterprise Loan & Consumer Financing. The various types of loans that fall under the category of Small Enterprise Loan are: Easy Commercial Loan, Retailers Loan, Transport Loan, Commercial House Building Loan, Possession Right Loan, Contractor’s Loan, Letter of Guarantee, Working Capital Loan, Letter of Credit, Loan against Imported Merchandise, Loan against Trust Receipt, Builders’ Loan, & Project Loan. And the loans under Consumer Financing are: Easy Loan, Consumer Durable Loan, Parua Loan, Thikana Loan, Flexi Loan, Peshajeebi Loan. This report highlights the loan policies of Standard Bank Limited; explain different issues regarding the disbursement of loans such as: sector where loans are provided, purposes of the loan, eligibility to get loans, documents required, interest charged on loans, & also the rate of penal interest in case of late repayment. From my observation, some weaknesses of the loan policies of Standard Bank Limited are detected, such as high interest rate, charging of loan processing fee, penal interest, maximum size of the loan is small, maximum term of the loan is low etc. And finally, few changes are recommended in the policy to remove the pitfalls & to improve the overall loan policies. 1.1...
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...Argument Analyzes In the article Student Loans Pack Surprising Benefits written Katy Hopkins, Hopkins says college debt may not be necessarily a bad thing if students borrow an amount that they can afford to finish a four-year college degree. Hopkins thinks students should take advantage of student loans because there are many benefits that students should experience while they’re still in school. In Hopkins’ article, she explains the four benefits of taking out loans to get a higher education and uses rhetoric appeals to support her points. Even though Hopkins successfully shows the good ethos and pathos to the readers, but the article still lacks logical appeal. The thesis of Hopkins article Student Loans Pack Surprising Benefits is...
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...Consumer Information Guide 2015–2016 August 2015 Table of Contents Consumer Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 About University of Phoenix . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Accreditation, Licensures, Reviews and Approvals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Federal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Regional Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 State and International Licensures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Program Accreditation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 School of Business/Business Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 College of Health Professions: School of Nursing . . . . . . . . . . . . . . . . . . . . . . . ...
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...AlbertCan Drilling Supply Company (ADSC) This company has done well for the past years and based on forecasts, it is looking at a very bright future in terms of growth and sales. The approach of owner-manager Mr. McDonald has been focused on word-of-mouth advertisement and high responsiveness within the local oil drilling industry in Alberta. Given the fact that most of its customers place their orders on an urgent need basis, ADSC has chosen to hold high levels of inventory to address the customers orders with a high degree of responsiveness. However this key selling point of the business model of ADSC has become a serious financial hindrance, causing liquidity problems now that they face growth levels of 25% in sales. ADSC is therefore forces to looking at options to touch up its finances. Liquidity A growing business does not necessarily mean a profitable business. Even though Mr. McDonald has taken great comfort in the growth forecasts and the firm’s capacity, the profits the firm generates are not able to sustain the growth of the company. The fact that ADSC committed to increase its inventory along with its growth anticipations and an extended collection period for their customers, are the root causes of ADSC’s liquidity problem. Inventory – According to Mr. Mcdonald, holding a large amount of inventory is an intrinsic part of the strategy and is a key selling point. It’s important to highlight that not only is the inventory growing at a high pace, inventory holding...
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...US LOAN SUPPORT This Service Agreement is entered into on the date shown below between US Loan Support (USLS) and Customer: USLS provides processing and support services to assist consumers who are applying for Federal Student Loan Consolidation Services through the Department of Education (DOE). USLS is a private company, not affiliated with any government agency, and for a fee USLS will assist in assembly and submission of student loan consolidation documents. USLS is not a lender, a law office or a debt consolidation company. Customer requests USLS to perform, in good faith, the following services, (“the Services”): 1. Perform a financial review of the Customer’s current situation, 2. Analyze and determine the applicability of potential Student Loan Consolidation options that may be available to Customer from the DOE, 3. Present and discuss the various options with Customer, 4. After an option has been determined, prepare, submit and process a Federal Student Loan Consolidation Application with the DOE, on the Customer’s behalf. 5. After completion of consolidation, USLS will to contact Customer monthly. In the event of a change of Customer circumstances or change in government programs USLS will assist client in reapplying if it benefits Customer. 6. Approximately one year from the consolidation USLS will work with Customer to reapply in an effort to make Customer’s payment as low as possible. IN CONSIDERATION of the promises and covenants of the parties to this Agreement...
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...1. Prepare a detailed activity flow chart of the loan analysis process for the SLAD using the activity description provided above 2. What is “cycle time” for processing student and non-student loans? 3. Explain the definition of “cycle time” that you have used in answering Q.2. 4. How would you measure “quality” for this process? 5. What improvements in the process would you recommend? Answer : 1. [pic] 2. Jenis pinjaman pada SLAD terbagi menjadi dua yaitu : • Student Loan • Non-student Loan Sehingga yang dimaksud dengan cycle time dalam memproses pinjaman-pinjaman ini adalah waktu yang dibutuhkan untuk memproses pinjaman mulai dari bagian Logging sampai dengan bagian Acceptance/Follow-up. Aplikasi pinjaman diproses dalam satu batch dimana satu batch terdiri dari 100 aplikasi pinjaman. Sehingga cycle time untuk kedua jenis pinjaman ini dapat dihitung sebagai berikut : |Student Loan | | | | | | | | | |Logging | | | | |Input ke komputer |100 aplikasi |1500 |menit | |Logging area |4 jam |240 |menit | |Run time | |15 |menit | |Total...
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...------------------------------------------------- Course Instructor: Prof. D N Panigrahi Objectives of the course: The course inputs are designed to accomplish the following objectives. * To help students to understand the role and functions of Commercial Banks, main strategic issues in retail and corporate banking and the risks faced by the Banking Industry in India. * To familiarise the students with the new Banking Practices and Processes including new banking technologies. * To familiarise the students with the legal and regulatory framework for banks in India. * To equip the students with the tools and techniques used in interpreting and evaluating the performance, profitability, productivity, and efficiency of the Commercial Banks. * To equip the students with the in-depth knowledge of Bank Financial Management Process including Treasury, Investment, Asset Liability Management & Risk Management. * To equip the students with the in-depth knowledge and skills in Credit Analysis & Appraisal Processes relating to the banks’ lending decisions like Working Capital Financing, Term Loan & Project Financing, Domestic & International Trade Finance including Export-Import Finance, BG (LG) & LC, Retail Asset Financing like Home Loans, Car Loans, Educational Loans, Gold Loans, Loans ag. Securities, Personal and Credit Card Loans. * To understand and appreciate customer-focused banking, integrated risk management like interest-rate risk, liquidity risk, market risk,...
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...Dr. Susan Gunn’s Samples for Module 1 Case Assignment of ETH501 The following sample from student papers is meant to establish some guidelines on how to approach your essays. The first sample shows an excellent introduction to the first case. The student author provides his/her own approach and allows the reader to know what is going to be discussed. The second example simply uses a long quotation that is not properly formatted. It does not lead the reader into the critical ethical analysis that is required. The third and forth examples show a part of the critical ethical analysis. Remember, if you have any questions, please ask. An excellent source for finding your own voice in academic writing is: http://unilearning.uow.edu.au/academic/4bi.html. This cite has good examples with explanations. Sample 1: You do not have to discuss that it is a paper. You do have to tell the reader what you will be discussing. Note also that there is a Heading. Introduction The purpose of this assignment is provide a critical analysis of the 2002 collapse of the WorldCom telecommunications empire as seen through the lens of deontological ethics. This analysis will be accomplished by defining deontological ethics and the Categorical Imperative (CI); by generally establishing what ethical problems were inherent in the WorldCom case; by evaluating the WorldCom model according to a deontological ethics; and finally by using Immanuel Kant’s construct of the CI to assess the WorldCom...
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...Writing this I have found that following one technique is hard to do in this situation. Outlined below is the course of action I decided on. Some of the techniques are in part and not the whole technique. Problem solving is not exact science although there is a scientific method to my madness. I hope reading this will not confuse anyone. Thanks for your patients. Define: Find out where the problem came from, Present state/ desired state: Duncker diagram, Statement–restatement, K.T. problem analysis (is/is not ) Generate: Blockbusting: Free association, Vertical thinking, Lateral thinking Decide: Priority analysis, KT analysis: Situation (timing, trend, impact) Decision (musts/wants) Potential problem Implementation: State the problem, generate analogies, Solve analogies, Transfer analogies Gantt chart Deployment chart Budge Evaluate: Evaluation check list, ethical consideration, safety consideration Defining the problems: present state/ desired state. Career objectives for the future lead me to redefine my current vocation. I am an over the road truck driver with limited career choices. My job requires me to be away from home at least 4 to 6 weeks at a time. This is hard on my family and me. My pay is not that good and no retirement benefits. Health benefits are from Medicare/Medicaid as I am receiving some social security benefits. My current age is 60 years old and gives me some doubt as to my ability to compete in the job market. I would like to go back to...
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...of Business | | |ACC/561 Version 4 | | |Accounting | Copyright © 2011, 2009, 2008 by University of Phoenix. All rights reserved. Course Description This course applies accounting tools to make management decisions. Students learn to evaluate organizational performance from accounting information. Other topics include financial statements, cost behavior, cost allocation, budgets, and control systems. Policies Faculty and students/learners will be held responsible for understanding and adhering to all policies contained within the following two documents: • University policies: You must be logged into the student website to view this document. • Instructor policies: This document is posted in the Course Materials forum. University policies are subject to change. Be sure to read the policies at the beginning of each class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities, read the policies governing your current class modality. The discussion question points are now combined with the participation points for each week. You, as the instructor, may create a separate...
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...of Business | | |ACC/561 Version 4 | | |Accounting | Copyright © 2011, 2009, 2008 by University of Phoenix. All rights reserved. Course Description This course applies accounting tools to make management decisions. Students learn to evaluate organizational performance from accounting information. Other topics include financial statements, cost behavior, cost allocation, budgets, and control systems. Policies Faculty and students/learners will be held responsible for understanding and adhering to all policies contained within the following two documents: • University policies: You must be logged into the student website to view this document. • Instructor policies: This document is posted in the Course Materials forum. University policies are subject to change. Be sure to read the policies at the beginning of each class. Policies may be slightly different depending on the modality in which you attend class. If you have recently changed modalities, read the policies governing your current class modality. Course Materials Abrams, R. (2003). The successful business plan: Secrets & strategies (4th ed.). Palo Alto, CA: The Planning Shop. ...
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...like debit card and credit card. As far as life style of people is concerned, consumer bank can play a widespread role since consumer banking deals with individuals’ complete life style as well as banking solution. Beauty and spirit of consumer banking inspired me to decide Consumer Banking as my internship report topic. EBL is one of the fastest growing private commercial banks, which is aggressively moving forward in the arena of consumer banking by rendering super product and service range among huge customer base across the country. EBL already set up some landmarks by introducing ‘ real time online banking, Debit card, Internet Banking, kiosks and sales team for consumer banking. In this report, four chapters have segregated total analysis. While chapter one demonstrates introduction, scope and limitation of the study, chapter two has shown the overview of EBL comprising history, vision, mission and core business units. Consumer banking scenario of the EBL has been demonstrated in chapter three. Finally finding and conclusion is drafted in chapter five of this report. Introduction: I completed this project in Eastern Bank Limited (EBL), one of the largest and reputed Private Commercial Bank in Bangladesh. During this time my instructor, Muhmud zubayer assistant professor Dept of business...
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...described above is to guide the MBA students in the formulation and implementation of financial strategies as part of corporate growth in a profit oriented venture. It specifically seeks to aim at the following learning process: 1. The analysis of past and formulation of future short-term financing needs of the firm. The students are expected to be able to analyze and read past performance, and the most important of all on the basis of the analysis come up with pointers on how to forecast cash position and finance them through short-term financing instruments. This of course includes the knowledge of how to hedge foreign exchange exposure in case of foreign currencies loans. 2. The advanced concept of capital budgeting. The students are expected to be able to identify risks and match them with the relevant return prospects of a number of capital investment projects, which include ranking projects, consideration of lease and buy alternative, project financing prospect (in case of loan financing), and other relevant matters. 3. The choice of a capital structure mix for growth strategies. The students are expected to comprehend the wisdom of choosing debt and equity financing, and able to put in to practice a convertible debt-related financing for growth. This includes the skill development of how they encounter a merger and acquisition (M & A) deal in practice. 4. The minimization of risk of assets and liabilities. The students are also expected to understand how...
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...CHapter 13 FINANCIAL STATEMENT ANALYSIS Changes from Twelfth Edition Updated from Twelfth Edition. Porter Lumber, Inc. has been updated and renamed Butler Lumber. The Sears Roebuck vs. Wal-Mart and Quality Furniture Company cases have been dropped. Approach Although it is not possible to do this precisely, the financial statement analysis discussion is more coherent, we believe, if it is built around Illustration 13-1. The theme is that the financial statement proxy for shareholder value is return on investment, and the ratios help explain why a given return was not satisfactory (if it was not), or at least identify the areas that need investigation. As with Chapter 8, the amount of attention given to this chapter depends on whether or not the students are taking or will take a course in finance. In such a course, they will, of course, deal considerably more with financial statement analysis than is contained in this introductory treatment. When a finance course is given, we do not assign the chapter, but suggest only that students skim through it. Students should not get the impression that there is one “best” list of ratios to be memorized. Although the 24 given in Illustration 13-3 could be expanded still further, in practice the analyst will select the ratios most appropriate for a given industry setting. Cases Genmo Corporation is a “backwards” case in which students deduce the financial statements of General Motors Corporation from the ratios...
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... SUBMITTED BY: Prof. Reena Raj GROUP-6(MBA-M) GAURAV KRISHNA MISHRA(1221406) SHANKAR B(1221432) VARDHRAJAN(1221439) MANPREET SINGH JASSAL(1221415) SUPRABHA MAJHI(1221450) PRIYANKA CHHABRA(1221456) TITLE: IMPACT OF STATUS PRODUCTS ON ACADEMICS OF CHRIST UNIVERSITY STUDENTS EXECUTIVE SUMMARY: In India, the trade and economic liberalization process initiated during 1980’s has led to rapid changes in consumer mindset. The consumption rate of most items has picked up primarily due to the shift in the business scenario which was primarily a seller driven one to a customer driven one. The number of bikes, mobile phones and laptops owned by households has moved up during the period of time. One primary question is to be asked is “Do we realize the impact of such consumption on our life or are we blindly following the trail set for us by smart businessmen and marketers?” This study is initiated to find out such consumption trends among students of Christ University. BACKGROUND: Last 10 years of the globalization era saw the advent of many high income jobs, especially in the information technology and also in other service-related sectors. With large number of India’s younger generation earning from 20000-50000 per month, working with different BPO’s and KPO’s. The rising income and low rate taxes have credited rising Disposable income, which...
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