...ON A study on Customer perception to personal loans with reference to Corporation bank in Bangalore. Synopsis submitted in partial fulfillment of the requirements for the award of the degree of MASTER OF BUSINESS ADMINISTRATION of CMR INSTITUTE OF MANAGEMENT STUDIES (AUTONOMOUS) affiliated to Bangalore University by Ms. Manjunath Vishwanath Hallikeri Register No: 13201015 Under the guidance of E.Geetha Venu Asst. Professor Dept. of Management Program CMR INSTITUTE OF MANAGEMENT STUDIES (AUTONOMOUS) C.A. #2, 3rd C cross, 6th ‘A’ Main, HRBR layout 2nd Block, Kalyana Nagar Bengaluru-560 043 2013-2015 INTRODUCTION PERSONAL LOANS Loans come in all shapes and sizes, but, overall, there are two main types: secured and unsecured loans. The main difference is that a secured loan will use an asset – usually your home – as security, whereas an unsecured loan is available to most people provided they have a decent credit rating and are in employment. A Personal loan is generally taken by borrowers who are looking for loans for quickly and with minimum documentation. In addition, since there is no monitoring of the end use, it gives flexibility to the borrower to use the loan for any purpose they like. A Personal Loan is taken by a borrower for his/her individual wants and needs; it is commonly referred to as an unsecured loan because there is no security/collateral against it. It is also called “All-purpose loan” at times as there is no restriction on...
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...Governors of the Federal Reserve System, Washington, DC 20551, USA b Wharton Financial Institutions Center, Philadelphia, PA 19104, USA c Kelley School of Business, Indiana University, Bloomington, IN 47405, USA Abstract This article examines the economics of ®nancing small business in private equity and debt markets. Firms are viewed through a ®nancial growth cycle paradigm in which different capital structures are optimal at dierent points in the cycle. We show the sources of small business ®nance, and how capital structure varies with ®rm size and age. The interconnectedness of small ®rm ®nance is discussed along with the impact of the macroeconomic environment. We also analyze a number of research and policy issues, review the literature, and suggest topics for future research. Ó 1998 Published by Elsevier Science B.V. All rights reserved. JEL classi®cation: G21; G28; G34; E58; L89 Keywords: Venture capital; Small business lending; Bank; Mergers 1. Introduction The role of the entrepreneurial enterprise as an engine of economic growth has garnered considerable public attention in the 1990s. Much of this focus * Corresponding author. Tel.: 1 202 452 2903; fax: 1 202 452 5295; e-mail: aberger@frb.gov. 0378-4266/98/$19.00 Ó 1998 Published by Elsevier Science B.V. All rights reserved. PII S 0 3 7 8 - 4 2 6 6 ( 9 8 ) 0 0 0 3 8 - 7 614 A. N. Berger, G. F. Udell / Journal of Banking & Finance 22 (1998) 613±673 stems from the belief that innovation ± particularly...
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...Prior to beginning task one, I understood that college debt is a growing problem for students pursuing a postsecondary degree; however, I was unaware of its extent. I, being a junior, have heard my teachers and counselors reiterate the importance of doing well in high school so you can go to college, yet they have failed to inform us about the lasting effects of student loan debt. Although I will likely be impacted by student loan debt in the near future, I previously had not thought too much about it. My group’s original topic was college tuition; however, after doing basic research we decided to focus on federal student loan debt rather than just tuition. We believed that broadening the topic to college debt would enable us to gather more...
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...School of Business and Finance in Partial Fulfilment of the Requirement for the MBA Degree in Financial Services MARCH 2010 DECLARATION I Stephen Kwadwo Ntiri hereby declare that except for references to other people’s work, which have duly been acknowledged, the work presented here was carried out by me, MBA student of Financial Servies at the London School of Business and Finance (LSBF), under the supervision of Randolph Metz-Johnson. I also declare that this work has never been submitted partially or wholly to any other institution for the award of a certificate. …………………………………………… ……………... Stephen Kwadwo Ntiri Date (Student) ………………………………………… …………… Randolph Metz-Johnson Date (Supervisor) Dedication This research project is dedicated to Almighty God for His abundant blessings and protection given me throughout this study, and also to my family for the support I received from them. Acknowledgement I am most grateful to Almighty God who through His infinite mercy and love guided me throughout the duration of the programme. I wish to acknowledge the help and encouragement I got from the entire staff of TF Financial Services, especially Mr. Benjamin Turkson, which has enabled me to complete this work. I also want to thank my wife, Esther Yamoaba Ntiri, for her invaluable contribution to this work. Finally, I wish to thank all those, especially my supervisor, who in diverse ways assisted me to successfully complete this study. Abstract The recent...
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...Financial Plan 10 Unit 7 Assignment 1: Calculating Credit Scores 11 Unit 8 Assignment 1: Writing a Prospective Schedule 12 Unit 9 Assignment 1: Using Social Media for Job Searches 14 Unit 10 Assignment 1: Putting the Finishing Touches on Your ePortfolio 15 Laboratory Assignments 17 Unit 1 Lab 1: Personal Persistence Narrative 17 Unit 1 Lab 2: Grit Test 21 Unit 2 Lab 1: Optimism 24 Unit 2 Lab 2: Self-Control 25 Unit 3 Lab 1: Curiosity in Modern Times 27 Unit 3 Lab 2: Integrity Matters 28 Unit 4 Lab 1: Create a Research Summary Memorandum 29 Unit 5 Lab 1: Resolving Systemic Conflict: Scenario Analysis 31 Unit 6 Lab 1: Time Value of Money 32 Unit 6 Lab 2: Budget Exercise 33 Unit 7 Lab 1: Calculating House Cost 35 Unit 7 Lab 2: Delayed Gratification 37 Unit 8 Lab 1: Initiative Reflection 39 Unit 8 Lab 2: Time Management Reflection 40 Unit 9 Lab 1: Creating a Professional Profile 41 Unit 10 Lab 1: Creating a Personal and Professional Development Plan 43 Graded Assignments Unit 1 Assignment 1: It Takes Courage Course Objectives and Learning Outcomes Apply tools for overcoming obstacles and tools of connection to various business and personal scenarios. Evaluate choices for overcoming obstacles given several sample case studies. Assignment Requirements Answer the...
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...Research Papers Herbert Clark Hoover, the 31st president of the United States from 1929 to 1933. Hoover is considered as a very intelligent and successful man, people know from his brilliant mining engineer career, in the same for his successful work in government when he served as a secretary. However, if someone asked “Did hover as a president accomplished anything to save American’s economy during the Great Depression?” Then the argument automatically begins, because Hoover’s incapable of action during the Great Depression was acknowledged by many. Therefore, people asked why these acts signed by Hoover, such an intelligent man were all futile during the great depression? In a manner way to say, its interesting was also shown...
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...in commercial and residential properties have been exponentially increasing and were not interrupted for nearly a decade. With housing prices increasing it lead to banks lowering lending standards allowing unqualified buyers to take out mortgages while at the same time deregulation blended lines between traditional investment banks and mortgage lenders. However, when housing prices failed to rise and homeowners were not able to keep up with their payments, banks were obligated to recognize write offs and write downs on these assets causing many institutions to become insolvent and having to either raise capital or go bankrupt. The above paragraphs are a brief introduction about what my paper will consist of and will go farther in depth on the subject matter. The contents of my paper will consist...
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...CHAPTER-1 INTRODUCTION 1.1 Introduction: Loans comprise the most important asset as well as the primary source of earning for the banking financial institutions. On the other hand, this (loan) is also the major source of risk for the bank management. A prudent bank management should always try to make an appropriate balance between its return and risk involved with the loan portfolio. An unregulated banking financial institution might be fraught with unmanageable risks for the purpose of maximizing its potential return. In such a situation, the banking financial institutions might find itself in serious financial distress instead of improving its financial health. Consequently, not only the depositors but also the general shareholders will be deprived of their money from the bank. The deterioration of loan quality will also affect the intermediation efficiency of the financial institutions and thus the economic growth process of the country. This establishes the fact that banks should provide increasing emphasis on various analytical tools and techniques for screening proposals and loan decision taking. Credit Worthiness Analysis is one of the most important activities before sanctioning any credit to a new borrower as well as existing borrower to avoid any default risk and for improving the operational efficiency of nationalized and private sector commercial banks. 1.2 Rational of the study: The principal function of the bank is to lend. Lending comprises a very...
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...Corporate Financial Management UBA 341 Group Assignment 2 American Degree Program SEGI University Mr. Raymond Cross Summer Semester June 25, 2013 By Shafiq Reza Bin Zulkifli (SCM-006247) Muhammad Hareez Bin Shaik (SCM-009956) Contents Introduction 2 The Five C's Of Credit 3 Article of Interest 5 ARTICLE TITLE: How To Get A Small Business Bank Loan 5 Article review 7 Conclusion 9 Reference 10 Introduction In considering the extension of a person's credit, a method called the “Five C's of Credit” is used by most lenders to determine the credit worthiness of a potential borrower. All in all, the system itself weighs five characteristics of a borrower, attempting to analyze the chances of them going default on their business. Hence forth, for business owner; the question of "What are you looking for from me and my business if I need to borrow?", are some of the most common question that they need to ask before permitting themselves to ask for a loan from lenders. That is why, while each lending situation is unique, most lenders and especially bankers will refer to the “Five C's” when they are making their credit decisions and that business owner should familiar themselves with this to insure good credit rating within their business. Following this further, the five C's of credit that is important to know are Character, Capital, Capacity, Conditions, and Collateral where each of the five will incorporates both...
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...CAUSES AND EFFECTS Determining Causes and Effects Lila Thompson Rodney L. Baker ENG 115 English Composition May 22, 2016 CAUSES AND EFFECTS My research on determining the cause and effects of stress on college students is complied at the request of the President of Strayer University. The purpose of presenting this research paper to senior administration is to help students have a more positive college experience. College is a new and exciting time, but it can be overwhelming. Among all of the new experiences, learning, and growing opportunities available in college environment, many may lead to unhealthy levels of stress which hinder students’ abilities to socialize and to achieve their academic goals. Recognizing the source of stress is important in preventing it from becoming unmanageable or debilitating. There are several reasons why students are stressed out in college, therefore this research paper seeks to explain the major causes and effects of stress on college students, the economic effects of the cause, and the effects on people. What is Stress? Stress is the body’s reaction to a challenge. Though stress is often perceived as bad, it can actually be good in some respects. The right kind of stress can sharpen the mind and reflexes. It might be able to help the body perform, or help us escape a dangerous situation. Stress produces a physiological reaction in our body. Hormones are released, which result in physical manifestations of stress. These can include slowed...
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...Jessica Knott Simulation Review Paper June 09, 2011 Diana Schilling UOP Simulation Paper Review In life we have to make decision short term and long term decisions. Ever decision you make in life will always affect your future and can affect your well being. This is the same view that you can look at when dealing with financial situation which it is personal use, business, or organization. The decision that we make financially can be economic decisions and not always have to be personal in nature. When making decision for a company or organization you have to sometimes be transparent and look from every view and aspect, because this decision is not only going to affect you it can affect a small or large group of people and even a community just depending on what type of business and services are being offered. In this stimulation review paper I will be review the Cardiac’s Care Hospital’s financial accounting account. The hospital is experiencing some difficulties with accounting matters, capital shortage, capital expansion and funding options. During this review we will discuss some of there methods of accounting and see if it is some ideas or other tools that can be used to help them to better there financial issues. Capital shortage is a huge factor when running any type of business. Capital is the amount of current assets minus the amount of current liability as of a specific date. These amounts are obtained from the company’s balance sheet reports that. To give...
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...Premier Collage | Document Retention Policy | Litigation Hold Notice | | | 8/26/2113 | Table of Contents 1.0 POLICY STATEMENT ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐---‐‐‐‐‐‐‐‐‐‐‐‐‐‐ 4 2.0 PURPOSE ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ 4 3.0 APPLICABILITY ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐--‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ 5 4.0 DEFINITIONS ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ 5 1. Official Records Retention and Disposition Schedules ------------------------------------------------------------- 5 2. File Breaking ------------------------------------------------------------------------------------------------------------------- 5 3. Litigation Hold -----------------------------------------------------------------------------------------------------------------6 4. File Integrity ------------------------------------------------------------------------------------------------------------------- 6 5. File Maintenance ------------------------------------------------------------------------------------------------------------- 6 6. Personally Identifiable Information ------------------------------------------------------------------------------------- 6 7. Confidential Information ----------------------------------...
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...always more to learn. This weeks paper will look at a couple very important terms having to do with business management; investment banker, stock market, financial management, and risk financing. The paper will take a brief look at the function and importance of each of these terms and how they apply to business. I will also discuss how I will fund my new business venture, and why I choose that way of funding. There are a variety of ways to fund a business including borrowing from friends and family or even seeking out investors. There is no right or wrong way to fund your business, just what way works best for you and your situation. BUSINESS AND FUNDING 3 Funding a Small Business Venture Previously I discussed the way in which I wanted to run my business. I chose to run my new small business as a sole proprietor. As a sole proprietor I will run my own business and be taxed at a personal income level, and I personally am liable for all business debt (The Ultimate Resource, 2009). I will give you a brief reminder of my situation, I am starting my own small business for a new product I invented, and I believe this product can be used for a wide range of applications. I am very new to the business world and am doing a lot of research trying to improve my management and financial skill set. My husband and I cannot completely fund the starting of this business ourselves. Now we need to research ways to get our funding. I can...
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...Examining the Correlation between Social Class Position and Debt Introduction This paper looks into the correlation between social class and the prevalence of debt. More specifically, it examines the debt level of the American middle class. The middle class is a broad term given to American households whose yearly income measures from ~$25,000 to ~$100,000 according to the non-profit organization, The Drum Institute for Public Policy. Depending on the model used, the middle class makes up somewhere between 25 to 66 percent of all households in America. Due to the far-reaching nature of the class, most sociologists divide the middle class into two sub-classes: the upper or professional middle class and the lower-middle class. The professional...
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...governance upon bank-level risk in the Asian region is analyzed 2. Analyze the role of the bank's risk level governance in Asia Who:Asians bank where:Asia when:1998 to 2012. how many:20 countries in Asia Focus / Research Questions 1.what is the different effects for nation governance between the developed countries and developing countries ?（level different in governance and legal structure ） 2.how can Nation governance reducing the moral hazard ？ 3.how can the relationship impact of bank size and risk ？ Focus / Research Questions 1.what is the different effects for nation governance between the developed countries and developing countries ?（level different in governance and legal structure ） 2.how can Nation governance reducing the moral...
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