Chapter 6—Delivering Good- and Neutral-News Messages MULTIPLE CHOICE 1. Which of the following is an advantage of the direct pattern for a good-news message? a.|The emphasis is on the writer.| b.|The organization is persuasive and calls for action.| c.|The receiver gets the details and explanation right away.| d.|The good news in the first sentence puts receivers in a good frame of mind.| ANS: D PTS: 1 REF: p. 86 MSC: Remember 2. What should the organization of business messages
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CREDIT MANAGEMENT Credit management is the process for controlling and collecting payments from your customers. A good credit management system will help you reduce the amount of capital tied up with debtors (people who owe you money) and minimise your exposure to bad debts. Good credit management is vital to your cash flow. It is possible to be profitable on paper and but lack the cash to continue operating your business. Credit management tips It is best to minimise the likelihood of bad
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............................ 6 Payment security........................................................................................................................ 8 Credit Valuation ......................................................................................................................... 9 Credit Rating............................................................................................................................ 13 Decision Support Function of Taobao ........
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CASE 2: JUAN AND MARIA SANTOS Presentation of the Case: Facility Applied for: P1, 500, 000 Revolving Credit Purpose of Loans: Additional Working Capital Collateral: House and Lot in a subdivision beside Ayala Alabang Appraised Value: Lot sq. meter P 1, 540, 000.00 House P 1, 200, 000.00 Fence/Landscape P 100, 000.00 Total P 2, 840, 000.00 Loan to Security Ratio (LSR) 53% Debt to Burden- For interest only 17% versus 25% guideline Facts of the Cases: * Age(s) Juan- 37 y/o
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million dollars. As the table below shows, the 1982 recession led this company into serious problem. Operating Income Net Income 1981 99 110 1982 51 -33 % change -48% -130% In the early 1980’s, BF Goodrich needed to raise new funds. However, its credit rating had been downgraded to BBB-. The firm needed $50,000,000 to fund its continuing operations and aimed to lend long-term (8-10 years) debt at a fixed rate. Treasury rates were at 10.1 % and BF Goodrich anticipated paying approximately 12% to 12.5%
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CASE 2: JUAN AND MARIA SANTOS Presentation of the Case: Facility Applied for: P1, 500, 000 Revolving Credit Purpose of Loans: Additional Working Capital Collateral: House and Lot in a subdivision beside Ayala Alabang Appraised Value: Lot sq. meter P 1, 540, 000.00 House P 1, 200, 000.00 Fence/Landscape P 100, 000.00 Total P 2, 840, 000.00 Loan to Security Ratio (LSR) 53% Debt to Burden- For interest only 17% versus 25% guideline Facts of the Cases: * Age(s) Juan- 37 y/o
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FACTORS THAT INFLUENCE THE CREDIT AVAILMENT OF SMALL AND MEDIUM ENTERPRISES (SMEs) IN TANAUAN CITY A Thesis Presented to the Faculty of College of Accountancy Business, Economics and International and Hospitality Management Batangas State University-JPLPC,Malvar Campus Malvar, Batangas In Partial Fulfillment Of the Requirement for the Degree Bachelor of Science in Business Administration Major in Financial Management By: Chona E. Maquiñana Lorie May R. Catimbang Jonie E. Mendoza
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Presentation of the Case: Case 2: JUAN AND MARIA SANTOS Facility Applied For: P 1,500,000 Revolving Credit Purpose of Loan: Additional Working Capital Collateral: House and Lot in a subdivision beside Ayala Alabang Appraised Value: Lot 550 sq. meter P 1,540,000.00 House P 1,200,000.00 Fence/Landscape P 100,000.00 Total P 2,840,000.00 Facts of the Case: * Age(s) Juan- 37 years old Maria- 35 years old Son- 7 years old studying in La Salle * Clients are depositors
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Project report on credit appraisal in banks pdf A PROJECT REPORT ON CREDIT APPRAISAL - Free download as Word Doc.doc.docx, PDF File.pdf, Text file.txt or read online for free. CREDIT POLICY OF COMMERCIAL BANK y Commercial banks and its. As the credit appraisal is one of the crucial areas for any bank, some of the. Credit risk management state bank of india project report mba.Keywords: Credit Appraisal, MSME, NPA, Lakshmi Vilas Bank. 2-05, Requirements for the Appraisal Report 10252011. They
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Tony Moss, president of Greater Queensland Bank, received an anonymous note in his mail stating that a bank employee was making bogus loans. Moss asked the bank’s internal auditors to investigate the transactions detailed in the note. The investigation led to James Guy, manager of a North Queensland branch office and a trusted 14-year employee who had once worked as one of the bank’s internal auditors. Guy was charged with embezzling $1.83 million from the bank using 67 phony loans taken out over
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