...Home Loans, Inc. maintains a Fair Lending Policy and Plan and written Underwriting Guidelines in order to ensure consistency in the treatment of all classes of applicants and strict compliance with Ability to Repay requirements under the Truth-in-Lending Act, Regulation Z Rules. The Licensee’s Underwriting Guidelines address each loan type offered and all aspects of the underwriting process, including collateral requirements, credit, income documentation, debt ratios and other factors relevant to an underwriting decision. Prior to final loan approval, a sample of Retail/Wholesale Originations are selected by the Pre-Funding Quality Assurance (QA) department for Full Audits and Targeted Reviews. Full Audits include the review of income, assets, credit, and collateral. Targeted Review items may change monthly depending on the most recently published Material Tall Bars by the Quality Assurance, Quality Control, and Post-Funding Review departments. For all Pre-Funding QA audits, the Pre-Funding QA auditor notifies the underwriter in real time of each finding, which includes identification of the category and root cause of the finding and its risk assessment. The underwriter is required to remediate each material finding and to present evidence of cure/clearance to the Pre-Funding QA auditor before issuing a clear-to-close. The Licensee’s proprietary H20 system will not allow a loan to proceed to the clear-to-close stage if there are outstanding findings. The Underwriter is required...
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...Stock valuation Secondary markets are markets where investors purchase securities from other investors, rather than from issuing companies themselves. Secondary markets are important because they enable investors to convert securities easily to cash. In the United States, most secondary market transactions are accomplished on one of the numerous stock exchanges the NYSE or NASDAQ. 1. NYSE: is the oldest, largest, and best-known stock exchange market in the United States, which was founded in 1792. It is located on Wall Street New York city and lists over 2500 companies. 2. NASDAQ: was created in 1971 and is the world's first electronic stock market. NASDAQ is a computerized system that facilitates trading of stock and provides quotes for Over-the-Counter (OTC) stocks not listed on other markets. NASDAQ is an acronym for National Association of Securities Dealers Automated Quotation. Unlike NYSE, NASDAQ does not have a physical trading place that brings together buyers and sellers. Instead, all trading on the NASDAQ exchange is done via a network of computers and telephones There exist four types of secondary market. 1. Direct Search: is a secondary market that provides the least amount of price information and the buyers and sellers are required to search each other out directly. Because the entire cost of finding and bargaining with potential and desired trading partner is paid by just one party, there is only a small incentive to search among all possible partners...
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...ANTI-DUMPING & ALLIED DUTIES AS TARIFF BARRIERS FOR INTERNATIONAL TRADE UNDER THE GUIDANCE OF PROFESSOR RITU SRIVASTAVA IN THE PARTIAL FULLFILLMENT OF POST GRADUATION DIPLOMA IN MANAGEMENT NIILM-CMS (2010-2012) INDEX SNO. TOPIC PAGE NO. 1. INTRODUCTION 3-6 2. RELEVANCE OF THE STUDY 7 3. RESEARCH OBJECTIVE 8 4. RESEARCH TOOLS AND METHODS 9-10 5. DATA ANALYSIS AND FINDINGS 11-15 6. CONCLUSION 16 7. RECOMMENDATIONS 17 8. RESEARCH LIMITATIONS 18 9. FUTURE AREA OF WORK 19 10. BIBLIOGRAPHY 20 11. ANNEXURE 21 INTRODUCTION: Our project is all about Anti – Dumping, other allied duties and the way these duties affect our Exporters. It also covers the protection policies like “Drawbacks” which our Exporters receive from the Indian Government. Before going into details about our project we would like to define some common terms which are related to our project like “Dumping and Anti – Dumping” etc. Dumping: The term Dumping is said to occur when the goods are exported from a country to another country at a price which is lower than its cost of production. It is therefore an unfair practice which can have a distortive effect on International trade. Dumping occurs when the export price of goods imported into India is less than...
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...Secondary Data Sources Slide 1 Before conducting a marketing research study, it’s best to consult secondary sources to both inform that study or perhaps to provide the data that would have been duplicated by that study, but at far less cost. Slide 2 Fortunately, there are many resource people, such as librarians, to help with secondary data searches. You’re probably familiar with conducting internet searches using sources such as Google or Yahoo or perhaps a different search engine altogether. You’re also probably familiar with using library databases and searching those as well. There are many non-computerized sources of secondary information and there may be computerized sources with which you’re unfamiliar or unknowledgeable about accessing. Librarians and library personnel are effective in helping you to identify and successfully access that type of information. Slide 3 What do marketing researchers mean when they speak about secondary data? Secondary data is data gathered and recorded by someone else prior to and for a purpose other than the current project. Such data is often historical, already assembled, and needs no access to study participants. Slide 4 Databases of secondary data come in four flavors: bibliographic, numeric, directory, and full text. For bibliographic sources, think in terms of bibliographies or listings; although not self-contained sources, they provide listings of possible sources for further query. Numeric sources contain numbers; for example...
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...|International Marketing | |Gruma Report | | | | I have been asked to prepare a report for Gruma UK subsidiary to assess France as| |a potential market for their flatbread products, hereare the findings. | | | | International Marketing Outcome 1 I have been asked to prepare a report for Gruma UK subsidiary to assess France as a potential market for their flatbread products, here are the findings. There are a number of reasons why Gruma have expanded its operations internationally and these can be split into two broad categories: - Push Factors and Pull Factors. Push Factors that Gruma may have to consider are that their own home market maybe saturated and that the company needs to increase growth by providing their products to an international market. Mexico is in economic recession and there is a lack of spending within the country. Another reason is there may be too many other companies supplying the same product in the home market. Economic recession maybe another factor that can be taken into consideration by Gruma...
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... Executive summary After our initial meeting and several product ideas later, we agreed to follow up on a new product which was created by Chris Irwin of Premech Engineering Company. The product is a multipurpose self tipping trailer (MPT). Much more than a trailer, through, it features its own power take-off (PTO) and hydraulic system. A 6.5hp Briggs and Stratton petrol engine provides a PTO drive through a reduction gearbox on the engine. The integrated PTO drives a hydraulic pump for tipping its own trailer body or externals, such as a log splitter fitted on to the MPT. The MPT has its own brakes and a one tone payload. Secondary research was completed to ascertain what competitors existed for our product. It was found that there were two main competitors who produce and sell similar products in the market at present. These companies were Ifor Williams and Logic. Although their self tipping and self breaking trailers are similar to the Premech Engineering trailer, they all depend on the PTO shaft of the vehicle towing...
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...A Report On “Impact of protectionist trade policy on the domestic industry and economy” Course Name International Economics Course Code FIN: 2210 Submitted To: Shaikh Masrick Hasan Lecturer Department of Finance Jagannath University Submitted By: Sohel Rana On behalf of Group-06 2nd Year 2nd Semester, 6th Batch Department of Finance Jagannath University Date of Submission: 22-02-2014 Group Members SL. NO. | NAME | ID NO. | 1 | SOHEL RANA | B 110203076 | 2 | NURNOBY RAHMAN | 115234 | 3 | UZZWAL HALDER | B 110203046 | 4 | IMAM HOSSAIN | B 110203026 | 5 | FARHANA BHUIYAN | B 110203106 | 6 | SUMAIYA YASMIN | B 110203104 | 7 | HAFIZUR RAHMAN | B 110203025 | 8 | FATEMA AKTER | B 110203006 | 9 | KHALILUR RAHMAN | B 110203055 | 10 | TOHIDUL ISLAM | B 110203024 | Letter of Transmittal Shaikh Masrick Hasan Course Coordinator Money and Banking Dept. of Finance Jagannath University Subject: To submit a report on “Impact of protectionist trade policy on the domestic industry and economy” Sir With a great respect, we are informing you that we have prepared a report on “Impact of protectionist trade policy on domestic industry and economy.” We feel great pleasure for submitting this report to you, which will...
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...Advertising Brief Company Name: Hydra Sports Drink Product: Sports Drink Date 26/11/14 1. Introduction: 1.1 Authorisation: This report is prepared as part of the assessment for BSBADV511A Evaluate and recommend advertising media options 1.2 Limitations: The findings of this report are drawn primarily from secondary research due to which in real scenario there are many factory which need to be taken in to consideration while introducing Hydra Sports drink in Australia. Australia has mixed economy by which to develop marketing strategy requires a lot of understanding of the current economic condition by which the rural and urban population are being benefited. 1.3 Background information about the product Hydra sports drink can be very helpful especially for the athletes and enthusiasts who want to try out sports. Most athletes have relied upon sports drink to give them extra stamina so that they can practice all day. The runners are also some of the athletes who take sports drink. They need speed and endurance and they should not tire off easily because they will lose it. Hydra sports drink have been known and proven to increase activity of the body, brain activity, performance and endurance. This will make a person finish a long day's activity without wearing easily. The sports drink must be consumed at the desired dosage; it may be helpful to a person's build up. The only hazard is when a person drinks too much. 2.2 Emerging Market for Hydra Sports drinks ...
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...which the value created accrues primarily to society as a whole rather than private individuals. The results of social innovation - new ideas that meet the unmet needs- are all around us. The results include hospices and kindergartens, fair trade and restorative justices, distance learning and congestion charging. Social innovation is different from innovation or creativity in general because it covers very wide boundaries of impact from gay partnership to new ways of using mobile phone texting and from new lifestyles to new products and services. Why Social Innovation? The financial and economic crisis makes creativity and innovation in general and social innovation in particular more important to foster sustainable growth, secure jobs and boost household health in micro level. The reason social innovation has moved center stage over the last decade is that existing structures and policies have found it impossible to crack some of the most pressing issues of our times – such as climate change, the worldwide epidemic of chronic disease, and widening inequality. History of Social Innovation The last two centuries have seen innumerable social innovations that have moved from margins to mainstream. These include the invention and spread of trade unions and cooperatives, which radically reshaped them for the grim factories of 19th century industry; providing collective insurance against sickness and poverty; the spread of new models of universities in 19th century. In 19th and...
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...Women Empowerment in Bangladesh: Effect of WTO Non-Agricultural Market Access (NAMA) Introduction The negotiations on Non-Agricultural Market Access (NAMA) in the World Trade Organization (WTO) are expected to lead Bangladesh to substantial increase in ReadyMade Garments (RMG) export in world market. The NAMA negotiations are aimed to reduce or eliminate tariffs, including tariff peaks, high tariffs, tariff escalation and nontariff barriers for non-agricultural goods, in particular on products of export interest to developing countries. Non-agricultural products include industrial goods, manufactured goods, textiles, fuels and mining products, footwear, jewellery, forestry products, fish and fisheries, and chemicals. Collectively, they represent almost 90% of world merchandise exports. WTO has decided to take Special and Differential treatment for developing and least developed Members like Bangladesh, including through less than full reciprocity in the reduction measures to assist LDCs to participate effectively in the negotiations. NAMA negotiations are likely to have important positive implications for the LDCs like Bangladesh in the form of increased export. As the structure of Bangladesh export is heavily titled towards labor-intensive sectors as apparels and textiles, increase in export will likely to have consequent positive implications on new job creations in RMG sector. In Bangladesh nearly 3 million workers are with RMG sector of which 80% is female workers. The...
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...Sustainable Coffee Certifications Enough to Secure Farmer Livelihoods? The Millenium Development Goals and Nicaragua’s Fair Trade Cooperatives ´ ´ CHRISTOPHER M. BACONÃ , V. ERNESTO MENDEZÃÃ , MARIA ´ EUGENIA FLORES GOMEZÃÃÃ , DOUGLAS STUARTÃÃÃÃ , & SANDRO ´ ´ RAUL DIAZ FLORESÃÃÃÃÃ Ã University of California, Santa Cruz, USA University of Vermont, USA ÃÃÃ ´ Asociacion de Mujeres Contra La Violencia, Oyanka, Jalapa, Nicaragua ÃÃÃÃ Universidad Nacional Autonoma de Nicaragua, Nicaragua ÃÃÃÃÃ ´ ´ CII-ASDENIC, Edificio Casa Estelı, Estelı, Nicaragua ÃÃ ABSTRACT In December 2001, green coffee commodity prices hit a 30-year low. This deepened the livelihood crisis for millions of coffee farmers and rural communities. The specialty coffee industry responded by scaling up several sustainable coffee certification programs, including Fair Trade. This study uses household- and community-level research conducted in Nicaragua from 2000 to 2006 to assess the response to the post-1999 coffee crisis. A participatory action research team surveyed 177 households selling into conventional and Fair Trade markets in 2006. In an effort to dialogue with specialty coffee industry and mainstream development agencies, results are framed within the context of the United Nations Millennium Development Goals. Findings suggest that households connected to Fair Trade cooperatives experienced several positive impacts in education, infrastructure investment, and monetary savings. ...
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...share allows Virgin Atlantic to know how the company fits in the Industry. This data can be analyzed from the results of the World Wide Survey’s done the International Air Traveler’s Association (IATA), the Transatlantic Passenger survey (TAPS), and the Survey of Passengers on Europe Asia Routes (SPEAR). The results in surveys such as these have a profound on market share, business predictions, investments, and investors. Secondary market research is by definition, “Market research that’s already been compiled and organized…Secondary research uses outside information assembled by government agencies, industry and trade associations, labor unions, media sources, chambers of commerce, and so on” (Entrepreneur, n.d.). Virgin Atlantic Airways and competing airlines are subject to government, agency, trade, and consumers’ ratings, surveys, and opinions. The most powerful reviews are those that come from consumer reviews and agencies who cater to consumers providing statistics and company information regarding the company and industry. While conducting secondary research on Virgin Atlantic, commercial resources including consumer reviews and awards return the most...
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...CHAPTER ONE 1.0 INTRODUCTION Exporting is the practice of sending or carrying merchandise to a foreign country for trade or sale. (Branch, Alan E. Elements of Export Marketing and Management. Chapman and Hall, 1990). International business is a potentially lucrative area of many businesses, but the small business owner should be aware that establishing one self in a foreign market is a complex, and time consuming task. Many small businesses in Ghana have dramatically improved their financial fortunes by pursuing export opportunities, but the vast majority of enterprises that have been successful in this regard did not enter the world of international trade until they had fully researched both their own exporting capabilities in various business conditions in the target market(s) abroad indeed, they are wide range of factors to consider when assessing a company’s readiness to expand its business these include company export readiness, potential foreign markets, product distribution options, legal factors, operating cost and profit margin, financing resources. There are many good reasons why countries export. And these includes gaining economies of scale, increased revenue and profit, increased productivity ,spread risk base of business ,smoothing effect on order book ,Offset lack of demand for seasonal products ,New product ideas and Additional markets. Just because exporting is a good idea, a firm or a country should not jump into it unless: * It is has an export plan ...
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...MAKERERE UNIVERSITY TOPIC: CREDIT MANAGEMENT SYSTEM TO PERFORMANCE IN PRIVATE ENTERPRISES CASE STUDY: PRIMEX SUPPLY 2004 LIMITED BY OJOBIRU PALMA OTOKIRA 07/U/14390/EXT SUPERVISED BY DR. KAMUKAMA NIXON A RESEARCH REPORT SUBMITTED TO MAKERERE UNIVERSITY IN PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE AWARD OF THE DEGREE OF BACHELOR OF COMMERCE OF MAKERERE UNIVERSITY KAMPALA UGANDA JUNE 2011 DECLATION I OJOBIRU PALMA OTOKIRA declare that this work is my original work and has not been submitted or published to any institution or university for any award. STUDENT OJOBIRU PALMA OTOKIRA SIGNATURE ………………………………………. DATE ………………………………………… APPROVAL I certify that this research work has been submitted for examination under my approval SUPERVISOR DR. KAMUKAMA NIXION SIGNITURE ………………………………. DATE ………………………………. DEDICATION I dedicate this piece of work to my late father Mr. Ondoga Mark and my mother Mrs. Asumpta Obaru, my brothers James, Alfred, Daniel, David, my sisters Lucy, Clare, Christine, Barbra and Florence for their great support towards this research not forgetting great friends like Naume, Allen, Judith, Sarah, Charles, Justus and...
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...Analysis is used to get a clear idea of what the existing system does. This is corresponds to dossier criterion A. Many students make the mistake of writing about the solution at this stage of their dossiers. With projects of any size, the analysis stage of gathering data is essential because you can gain clear insight into data input, processing and output without thinking about the computer system that may eventually be used. Data collection This process is sometimes referred to (or sometimes taken to include) fact finding. The classic fact-finding methods are: * Conduct interviews * Carry out questionnaires * Study existing documents * Search the literature for other solutions to the same problem. * Observe people working with the existing system Each of these methods has advantages and disadvantages which can be summarised as follows: Method | Advantages and disadvantages | interviews | Detailed data, can change questions during process (not like questionnaire). Time-consuming, problems classifying/quantifying data | questionnaires | Can reach a lot of people, quickly (comp to interview/observation); Numerical analysis possible. Questions may be mis-interpreted; people may not respond at all or may do only some questions. | document search | The data required for the system can be identified accurately. Documents may be lacking, out-of-date etc (interview could discover this) | literature search | Can find descriptions/problems...
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