advantages of credit cards More and more people are using credit cards now a days .As the number of people using credits cards rises‚ also the number of people with bad credit rises .Instead of carrying a wad of cash in your wallet it’s not really hard to think about carrying something small and convenient .How about a small piece of plastic that’s about four inches long. More people are using plastic currency more than paper. But before you think about of just getting just any credit card‚ you need
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Bank vs. Credit union Choosing a bank or credit union can be tricky. A bank is a business that holds onto your money for you and uses it to create profits by investing that money‚ and loaning it out to other customers. In a credit union when you deposit your money you’re actually buying shares of the company. Rather than being a customer‚ you’re part “owner”. They both have checking and savings accounts including CDs and specialize accounts. You can deposit your checks and withdrawal money from
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Financial Analysis of Dubai Refreshments and Gulfa Mineral Water I. Introduction This report aims at conducting a financial analysis of two non-financial companies listed on the Dubai Financial Market. This analysis is conducted by calculating the ratios for both these companies for the year 2011 from their balance sheet and income statement for the same year. The first company (Company 1) chosen for the purpose of analysis is Dubai Refreshments Company (DRC) is the first company in the UAE soft
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The advantages of a credit card are that you don’t have to have the money available at that time to pay for your purchase. You will usually have at least 30 days to pay for the item and even then‚ based on the terms of your card‚ may not even have to pay the whole balance. The disadvantages of a credit card is that it becomes way too easy to use them and run up large balances. Then when it comes time to even pay partial payments it can be very difficult to make those payments. Add to that the
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United Bank of India : United Bank of India (UBI) is one of the 14 major banks which were nationalized on July 19‚ 1969. Its predecessor the United Bank of India Ltd.‚ was formed in 1950 with the amalgamation of four banks viz. Comilla Banking Corporation Ltd. (1914)‚ Bengal Central Bank Ltd. (1918)‚ Comilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932) (which were established in the years indicated in brackets after the names). The origin of the Bank thus
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CASE STUDIES CASE 1: Pelican Stores Pelican Stores‚ a division of National Clothing‚ is a chain of women’s apparel stores operating throughout the country. The chain recently ran a promotion in which discount coupons were sent to customers of other National Clothing stares. Data collected for a sample of 100 in-store credit card transactions at Pelican Stores during one day while the promotion was running are contained in the file named Pelican Stores. Table 2.17 shows a portion of the data
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3 Rationale of the study 1.4 Objectives of the report 1.5 Scope of the study 1.6 Methodology of the study 1.7 Limitations of the study Chapter Two LITERATURE REVIEW 2.1 CREDIT MANAGEMENT 2.2 PROCESS OF CREDIT MANAGEMENT 2.2.1. Policy guidelines 2.2.2 Management structure and responsibilities 2.2.3. Program guidelines 2.3 TOOLS OF CREDIT MANAGEMENT 2.3.1 Definition of Credit Risk Grading (CRG) 2.3.2 Functions of Credit Risk Grading 2.3.2
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Case Study: Infosys Infosys is a Global IT service company based in India. It was founded in 1981 by 7 mid class men with a capital of $250 borrowed from their spouse. In 2008 the company is employing 85‚013Software Professional and 6‚174support employees. The value of the company was summarized by one of the founder in the sentence: “ professionally owned and managed‚ with good corporate governance‚ good employee management and good ethics.” The company saw an exponential growth coming from
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Market Soft Case study Situation: MarketSoft founded by Greg Erman‚ in 1999 had designed an innovative software product that addressed the problem of managing sales leads across the “extended enterprise”. The product eLeads was strategically developed upon extensive research to address three critical areas many of the fortune 1000 companies in the modern times are facing: 1.Leads get lost 2. No qualifying systems for the leads exist and 3.The leads are never tracked. Problems: 1. The entire
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Wilhelm Raiffeisen developed the idea of credit cooperative. Theoretical developments of Mr. Raiffeisen in the field of agricultural credit cooperation in many respects were based on ideological views of Mr. G. Schultz-Delich. Developing theoretical bases of credit cooperation‚ Schultz-Delich solved one of the most pressing problems of small-scale craft enterprises – a possibility of receiving the small cheap credit. The fundamental principles of activity of its credit cooperatives were as follows: 1) The
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