...RISK AND RISK MANAGEMENT OF RURAL AND AGRICULTURAL FINANCE (MD. IBRAHIM KHOLILULLAH, DEPT OF AG.FINANCE, BAU MOB: 01718996557) INTRODUCTION When discussing rural finance in Bangladesh, the foremost issue that merits mention is that loans to agriculture are generally offered only by specialized agricultural banks, since commercial banks and microfinance institutions largely refrain from financing the sector. There are many reasons for this, the most important of which is that this finance is strewn with risks, some of which the state is most likely to address. Hence, the governments hold ownership of these banks and their capital, and finance and support them. Agricultural banks are exposed to the above two risks. These dual risks continually expose them to losses and bank ruptcy unless they have excellent risk management practices and/or are financially supported by the government. Some of the risks that the banks encounter are, inter alia: operational risks, market risks, credit risks, and inadequacy of capital. These interrelated banking risks are faced by all commercial banks, agricultural banks and governmental banks. They may be created as a result of inadequate fund allocation, weak labour regulations, mismanagement, an unsuitable operating environment, weak training programmes, bad credit transactions and price fluctuations. Two problems must be mentioned in this regard: difficulty in measuring banking risks, and the lack of specialized management of most agricultural...
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...2011 Aug. 23–Sept. 27 Program Orientation & Registration 6:00 – 8:00 p.m. MGT 504 F1B Management & Organizational Behavior No Class Sept. 6 5 3 Sept. 27, 2011 Oct. 4–Nov. 1 Orientation for MGT 635 F1B 5:30 p.m.-6 p.m. MGT 635 F1B Law in the Managerial Environment 5 3 Nov. 1, 2011 Nov. 8–Dec. 13 Orientation for MGT 610 F1B MGT 610 F1B Marketing 5 3 No Class No Class Nov. 22 Dec. 20, 27 TERM 2 (30) 5:30 p.m.-6 p.m. COURSES 01/03/12–04/24/12 WEEKS/CREDITS (9 credits = full time) Dec. 13, 2011 Jan. 3-Jan. 31, 2012 Orientation for MGT 575 F3B 5:30 p.m.-6 p.m. MGT 575 F3B Information Systems for Managers 5 3 Jan. 31, 2012 Feb. 14–April 24 Orientation for MGT 571 F3B 5:30 – 6:00 p.m. MGT 571 F3B Executive Economic Analysis 10 3 No Class No Class Feb. 7 April 3 Rev. 09/19/11 TERM 3 (40) COURSES 05/01/12-08/21/12 April 24, 2012 May 1–June 5 Orientation for MPM 500 F5B 5:30 p.m.-6 p.m. MPM 500 F5B Introduction to Project Management WEEKS/CREDITS (9 credits = full time) No Class May 29 June 5, 2012 June 12–Aug. 21 3 10 Orientation for MGT 555 F5B 5:30 p.m.-6 p.m. MGT 555 F5B Managerial Finance 5 3 No Class July 3 TERM 4 (10) COURSES 08/28/12-12/18/12 Aug. 21, 2012 Aug. 28–Oct. 2 Orientation for MGT 580...
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...ACT-401 | Basic Accounting/Financial Accounting | | 5 | MGT-401 | Fundamentals of Management | | 6 | ECO-401 | Economics for Managers | | 7 | FIN-401 | Fundamentals of Finance/Introduction to Finance | | 8 | MKT-401 | Principles of Marketing | | 9 | HRM -501 | Human Resource Management | | 10 | BUS-403 | Legal Environment in Business | | 11 | MGT-402 | Organizational Behavior and Leadership Development | | 12 | MAT-402 | Quantitative Methods and Techniques in Business(A) | | 13 | MAT-402 | Quantitative Methods and Techniques in Business(B) | | 14 | BUS-404 | Research Methods in Business (Section-A) | | 15 | BUS-404 | Research Methods in Business (Section-B) | | | | Functional Courses | | | | Major in Finance | | 16 | FIN-501 | Financial Management | | | | | | 17 | FIN-502 | Financial Institutions and Market | | | | | | | | Major in Marketing | | 18 | MKT-501 | Marketing Management | | 19 | MKT-502 | Consumer Behavior | | | | Major in Human Resource Management | | 20 | HRM-502 | Comparative Human Resource Management | | | | Major in Accounting | | | | | | | | Capstone Courses (Compulsory for all) | | 21 | MGT-501 | Strategic Management (A) | | 22 | MGT-501 | Strategic Management (B) | | Major Courses | | Major in Finance | | 23 | FIN-503 | Corporate Finance | | 24 | FIN-505 | Working Capital Management | | ...
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.... 3 (USU 1010 course starts the week prior to fall semester and is completed after the first 3 weeks of fall semester) ECN 2010 (BSS) Introduction to Microeconomics ............................... 3 ENGL 2010 (CL2) Intermediate Writing (C grade required) ................. 3 MATH 1100 (QL) Calculus Techniques .............................................. 3 MIS 2100 Principles of Management Information Systems .................. 3 *Breadth Creative Arts (BCA) course .................................................. 3 Sophomore Year (31 credits) Third Semester (16 credits) ACCT 2010 Financial Accounting Principles (B grade required) .......... 3 STAT 2300 (QL) Business Statistics (C grade required) ...................... 4 MGT 2050 Business Law..................................................................... 2 *Breadth Humanities (BHU) course ..................................................... 3 Elective...
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...Global Financing and Exchange Rate Mechanisms Global Financing and Exchange Rate Mechanisms International financial institutions are very important for the world to function. International institutions provide capital, improves the standards of living in developing countries. International institutions include World Bank, IMF, and the regional development banks. This essay defines the roles of international financial institutions; as well as how they are used in financing operation. International financial comes with risk and the importance of managing the risk. Roles of international financial insititutions The role of international financial institutions is firm so that we can move forward to expanding to additional countries. The role of international financial institutions is to providing financial support and stable advice for project in developing countries. The role of international financial institutions is to provide stability in the developing countries. The role includes being governed by international laws because it involves more than one country. The international financial also supports the private sector in struggling countries by providing support and give initiatives to help the developing countries such as Africa. The international institutions provide loans and other aids to the countries ("Unisdr", n.d.). For example, with the Keystone pipeline project; this is project that is head by a company called TransCanada. Canada...
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...Food Problem Statement MGT/521 Date Instructor Name Kudler Fine Food Problem Statement Kudler Fine Foods vision is to be the premiere gourmet grocery store for those savvy shoppers who are searching for the finest meats, produce, chesses, and wines, if this company issues are not resolved in a timely manner, then the vision of Kudler Fine Food could only be a vision and not a success. In accomplishing this vision, Kudler Fine Foods has several obstacles that it must overcome. Team B members identified many issues within the organization including high payroll cost, inventory turnover (lack of jit), lack of effective advertisement, no knowledge of the financial aspect , technology issues, and lack of delegated of duties by management. These problems need to be addressed to be truly successful and to maximize profit. Problem Statement As the organization continues to expand, Kathy Kudle, president and founder of Kudle Fine Foods, find she is spreading herself thin. Ms. Kudle had taken on daily responsibilities, for which she has hired qualified team members to do. The organizational charter shows one store manager per store, a director of finance and accounting, a director of store operations, and a director of administration and human resources, ( Kudler Fine Foods), but the strategic plan under stakeholder analysis states, “Ms. Kudle hire, fires, finalized the inventory numbers, and places the weekly orders and controls the finances making sure all of the vendors...
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...CORPORATE FINANCE COURSE CORPORATE FINANCE 2.1 Working Capital Management Sept. 2014 Ir Frank W. van den Berg mba Vrije Universiteit, Amsterdam ALYX Financial Consultancy bv, Aerdenhout FWvdB/2014 1 OUTLINE CORPORATE FINANCE FWvdB/2014 • Basics & Guiding principles • Time value of money + Capital Budgeting • Valuation of CF + Bonds • Valuation of shares (+ co.’s) • Financial Analysis (Ratios) • Financial Planning (EFN) • à Working Cap. Mgt. (A/R, Inv., A/P) • Debt Financing • • 2 FIN 1.5 FIN 2.1 Entrepreneurial Finance / Raising Equity Mergers & Acquisitions / Corp. Restructuring FINANCIAL RATIOS - Example 1 FWvdB/2014 Sample Balance sheet (000’s €) Cash + bank 500 Accounts Receivable 5.000 Inventory 3.000 ------CA 8.500 Machinery Buildings 6.000 4.000 Total assets -------18.500 STB (bank credit line) Accounts Payable CL LTD (Bonds) Nom. Cap. (500.000 x 2) Paid-in-capital (x 3) Retained Earnings Treasury Stock Shareholders’ Capital Total liabilities + OE 3 3.000 3.000 ------6.000 6.000 1.000 1.500 4.500 - 500 6.500 -------18.500 RATIOS: SAMPLE INCOME STATEMENT REVENUES (= Sales = Turnover) CGS = Costs of Goods Sold (materials, labor costs + energy costs incl. 1.000 depreciation) GROSS PROFIT SGA= Selling Administrative & General Expenses (incl. overhead, management, insurance, marketing) EBIT = Earnings Before Interest and Tax Interest Expense...
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...In the file MGT 448 Week 5 Learning Team Assignment Final Global Business Plan Paper you can find overview of the following parts: 1. Introduction 2. Comprehensive Analysis Outline 3. Regional Analysis: Regional Alliances and Economic Integration 4. Regional Analysis: Physical Environment and Its Effect on Trade 5. Regional Analysis: Political Stability 6. Regional Analysis: Economic Conditions 7. Regional Analysis: Finance Options Available 8. Regional Analysis: Social, Health, and Environmental Conditions 9. Regional Analysis: Terrorism Threats 10. Country Analysis: Political Stability 11. Country Analysis: Economic Conditions 12. Country Analysis: Finance Options Available 13. Country Analysis: Physical Environment and Its Effect on Trade 14. Country Analysis: Social, Health, and Environmental Conditions 15. Country Analysis: Cultural Considerations 16. Organization and Product or Service Analysis: Description of the Organization 17. Organization and Product or Service Analysis: Product Needs Assessment 18. Organization and Product or Service Analysis: Description of Product to Meet the Need 19. Country Risk and Strategic Planning Analysis 20. Political, Legal, and Regulatory Risks 21. Exchange and Repatriation of Funds Risks 22. Competitive Risk Assessment 23. Taxation and Double Taxation Risks 24. Market Risks: - Product - Price - Place - Promotion 25. Distribution and Supply Chain Risks 26. Physical and Environmental Challenges 27. Social and Cultural Risks 28. Cyber/Technology...
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...In the file MGT 448 Week 5 Learning Team Assignment Final Global Business Plan Paper you can find overview of the following parts: 1. Introduction 2. Comprehensive Analysis Outline 3. Regional Analysis: Regional Alliances and Economic Integration 4. Regional Analysis: Physical Environment and Its Effect on Trade 5. Regional Analysis: Political Stability 6. Regional Analysis: Economic Conditions 7. Regional Analysis: Finance Options Available 8. Regional Analysis: Social, Health, and Environmental Conditions 9. Regional Analysis: Terrorism Threats 10. Country Analysis: Political Stability 11. Country Analysis: Economic Conditions 12. Country Analysis: Finance Options Available 13. Country Analysis: Physical Environment and Its Effect on Trade 14. Country Analysis: Social, Health, and Environmental Conditions 15. Country Analysis: Cultural Considerations 16. Organization and Product or Service Analysis: Description of the Organization 17. Organization and Product or Service Analysis: Product Needs Assessment 18. Organization and Product or Service Analysis: Description of Product to Meet the Need 19. Country Risk and Strategic Planning Analysis 20. Political, Legal, and Regulatory Risks 21. Exchange and Repatriation of Funds Risks 22. Competitive Risk Assessment 23. Taxation and Double Taxation Risks 24. Market Risks: - Product - Price - Place - Promotion 25. Distribution and Supply Chain Risks 26. Physical and Environmental Challenges 27. Social and Cultural Risks 28. Cyber/Technology...
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...Student Name: Shunde Tu Student ID: 000196745 Course: MGT 121( Financial Management II) Case Study on Toy World I. Situation Audit a) Plastic Toys Manufacturing Industry Overview i. Highly seasonal, with a majority of sale volume generated between Aug. and Nov. ii. Competitive landscape 1. Highly competitive, populated by a large number of companies 2. Fierce design and price competition, with short product lives and a relatively high rate of company failures 3. Low entry barrier resulted from low capital and technology requirements. 4. Influx of imported toys intensified competitive pressure on smaller firms. b) Company Overview The company studied in the case is Toy World, a manufacturer of plastic toys for children. More than 80% of the sale was generated between Aug to Nov. Toy World Inc.’s practice was to produce in response to customer orders. Therefore, the production was highly seasonal, and not more than 25%-30% of manufacturing capacity was used for the first seven months. c) Product Overview i. Produce a wide range of designs, colors and sizes for most of its product categories. ii. Dollar sales of a particular product had sometimes varied by 30%-35% from one year to the next. II. Problem Statement The company’s production had been scheduled to accommodate the seasonality of sales. The production manager proposed to adopt level production to reduce labor costs. The feasibility...
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...University of Phoenix MGT 521 Management “Raising and countering objections regarding the decision to get an MBA” Instructor: Lawrence Kirsch Student: Carlos Ochoa Date: 11/01/12 Although the MBA program has been successful for the past years, economy has changed and professionals have adjusted accordingly. The MBA program will provide me the tools to understand and implement business and management principles. I have been working professionally for more than 15 years in challenging positions with engineering companies and have good experience with many of the problems businesses and markets are facing today. The main reason why I decided to go back to school and attend an MBA program is to increase my salary potential and advanced my career. An MBA degree will help me find more employment opportunities and it will make me a more marketable professional. Although I want to start my own business and an MBA will help me do it. I am convinced that in today’s economy we need more job makers than job seekers. Earning an MBA is not a decision to be entered into lightly. The biggest disadvantage of taking an MBA program is its cost. The average cost of an MBA is estimated at $30,000 and there is significant time, attention, and energy involved, and there's no guarantee that I will land the perfect job after completing the program. In addition to this, getting an online MBA program will prevent students to have face-to-face contact and networking opportunities...
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...Consultant and Client Communication MGT 527 January 28, 2013 Sarah Nelson Consultant and Client Communication Within an organization effective commination requires clear objectives along with sound strategies. In each business communication is crucial. Whether big or small the most effective instrument in organizations pertains to communication. Misunderstanding and challenges emerge with one-on-one interactions. Nevertheless, businesses influence effective communication strategies through persistent communication. However, a conductive environment on every level opens the door to communication whereby enabling the organizational members freely to express their ideas, criticisms, and feedback. When managers engage in conversation with employees “specially,” about their ideas, viewpoints on the emerging issues in customer and service production as well as the business environment develops an inclusive culture that demonstrate significant results. In the economy of business financial organizations explicate their vision for success in developing a long relationship. However, the vision of a company is to interact effectively with future as well as existing customers. In addition, advisors in finance serve as team members who assist in developing the mission as a reality. Organizations run effectively because of the complementary aspects of both organizational finance and advisors. Nevertheless, this paper pertains to the unit of business that involves a consultant solving...
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...* * * * * * * * * Organizational Structure for Delta Airlines * Taylor Witt * MGT/230 * July 14, 2013 * Nick Bertoni * * * * * * * * * * * * * * * * Organizational Structure for Delta Airlines * Delta Airlines has a 3 tiered structure that organizes the power down from the CEO into subdivisions. As seen in the chart below, the CEO holds all the power of the tiers and the COO is in charge of the in-flight service, strategy & real estate, and airport customer service. Most of these subdivisions require certifications and entail you to be your own supervisor. All of these positions are necessary for the company to succeed and thrive. Without any given part of the organizational structure it would surely fail. * You can compare this structure to a more totem pole structure like Buca Di Beppo. They don’t have tiers but have a pecking order. It starts with the corporate office, or planet Hollywood. Then it goes down the line from all the major positions CEO > VP > AVP > HR department (of corporate division) > Regional Manager of different states > General Manager of 1 store > AGM > sales manager > kitchen manger > supervisor > lead server > server > host > kitchen staff. In this structure there is a major line of command to be talked through before you...
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...was enacted in 1993 (Barai et al. 1999). Industrial Promotion and Development Company (IPDC) was the first private sector NBFI in Bangladesh, which started its operation in 1981. Since then the number has been increasing and in December 2006 it reached 29. Of these, one is government owned, 15 are local (private) and the other 13 are established under joint venture with foreign participation. 1.1 Recent Development & Activities of NBFIs The major business of most NBFIs in Bangladesh is leasing, though some are also diversifying into other lines of business like term lending, housing finance, merchant banking, equity financing, venture capital financing etc. Lease financing, term lending and housing finance constituted 94 percent of the total financing activities of all NBFIs up to June 2006. A break-up of their financing activities reveals that the share of leasing and housing finance in the total investment portfolio of NBFIs...
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...Organizational Assessment Report Client: Non-bank Credit Organization Finance for Development LLC, Baku, Azerbaijan Table of Contents: 1. Introduction 2. Purpose of organizational assessment 3. Process involved in organizational assessment 4. Organizational assessment workbook with findings 5. Summary Non-bank credit organization Finance for Development LLC - Organisational Assessment (OA) Report Organizational assessment undertaken by David Alimbarashvili, MED Coordinator, DRC & Sabina Mikayilova, CEO of CC LLC – November - December, 2004 Venue: Offices of Fin-Dev LLC in Baku, Barda and Mingechevir, Azerbaijan 1. Introduction Finance for Development is a spin off of Oxfam GB/Azerbaijan and was registered as a Limited Liability Company by the Ministry of Justice of Azerbaijan Republic in September 23, 2002 and obtained a license from the National Bank of Azerbaijan in April, 2003. Prior of Fin-Dev’s establishment its founder Oxfam GB started a “Saving and Lending” project in Azerbaijan in 1997. The project performed different activities including study of existing formal and informal saving and credit systems. In January, 2000 Oxfam GB initiated Future Financial Institutions (FFI) project in Barda but due to Azerbaijan legal framework had to separate the FFI project and register it as an independent entity (NBCO). Main operational base of Fin-Dev LLC is situated in Barda. Fin-Dev has two branches in...
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