bad/risky borrower.) As a result‚ the bank cannot charge a higher interest rate to compensate the risk of the bad/ risky borrowers as those rates might not be viable for the safe borrowers. This adverse selection problem of the bank is solved by the Grameen Bank lending model. The crux of the Grameen Bank lending model is the feature of joint liability. This feature states that if a certain member of the group is unable to repay an instalment then the other members of the group are jointly liable to
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Environment 22 4.2. Technology 23 4.3. Structure 24 4.4. Cultural 25 4.5. Decision making 26 5. Conclusion 26 Executive summary Eximbank is the first commercial bank set up in Vietnam in 1990 and after 18 years of development‚ the bank has become one of the top 3 in commercial bank network in term of generating benefit and specializing in international payment for corporate in individual. In this assignment our group will analyze the management and organization
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To: A certain colleague From: Lijuan Wang（Lisa） Date: November 01‚ 2012 Subject: Job Share Memo Introduction: Now I am working at “Beijing Sino Lawyers’ Firm”. My duty is to assist lawyer Tao Feng in dealing with the paperworks and clients. To be specific‚ my job is to act as an information collector‚ a law documents writer‚ a cases assistance‚ a data organizer‚ and a clients communicator. Our firm consist of several senior partners‚ normal lawyers‚ and many assistances. In order to work
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at a bank here in Norman. My coworker wonder why people deposit counterfeit checks into the bank and commit fraud on our clients accounts. I say people commit this crime becuase they feel they need the money and lack the drive to go out and earn the money themselves. This concept sounds all too familiar. This concept I described can be explained by Merton’s Strain theory. Throughout this essay I will describe the processes of bank scams and counterfeit in the bank. Do not confuesed‚ this essay is
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The purpose of this memo is to advise the class of the need to address Female gentile mutilation (FGM). People are aware of “FGM” being practiced various parts of the world‚ as it tends to be a vicious ritual against women. This practice furthermore does not need to take place‚ since it possesses health risks for women. Another reason why it is a global issue as the practice has been made illegal around the globe. In order to develop an enhanced understanding around FGM‚ it is essential to recognize
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expansion. As a consequence of a significant increase in employees‚ there has also been an increase in the amount of traffic congestion and parking issues around the manufacturing firm‚ especially during the time period of the shift change. This memo will aim to further discuss the traffic and parking problems affecting the area and the effects that it poses on the operations at YQZ Manufacturing Inc. In addition‚ potential solutions and actions that can be implemented to correct this problem will
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MEMORANDUM TO: Shelby Givens (General Manager‚ Westlake Bowling Lanes - here onwards "WBL") FROM: Kumar Gaurav (Candidate # 75745133‚ UBC) SUBJECT: Recommendation towards business planning for WBL DATE: 2nd September 2013 Key Issues: Shelby Givens‚ G.M of WBL could not get the business on track to repay the funds the board had loaned it 16 months before. In Jan 2010‚ the business profited for the 1st time in two years. But‚ now she wants to decide on a future direction for the business‚ so
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Rupali Bank Limited The Bank At a Glance :Rupali Bank Ltd. was constituted with the merger of 3 (three) erstwhile commercial banks i.e. Muslim Commercial Bank Ltd.‚ Australasia Bank Ltd. and Standard Bank Ltd. operated in the then Pakistan on March 26‚ 1972 under the Bangladesh Banks (Nationalization) Order 1972 (P.O. No. 26 of 1972)‚ with all their assets‚ benefits‚ rights‚ powers‚ authorities‚ privileges‚ liabilities‚ borrowings and obligations. Rupali Bank worked as a nationalized commercial
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products and quality service. People We treat each other fairly and with respect. We support our colleagues and invest in their development to help them realise their full potential. We recognise and reward outstanding performance. Teamwork We‚ as team members‚ actively support each other across the organisation as we work towards our common purpose. As individuals‚ we expect total responsibility from ourselves. Integrity Fair dealing is the basis of our business. We assume everything we do is in full public
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Banking: F209 A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities‚ either directly by loaning or indirectly through capital markets. A bank links together customers that have capital deficits and customers with capital surpluses. Due to their importance in the financial system and influence on national economies‚ banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking‚
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