superannuation has $67‚000 in a Capital Guaranteed Fund and Mary salary sacrifices $5‚000 p.a. Mary has a second fund from a former employment which has $11‚400 invested in cash. They have a joint savings account with $15‚000 for emergencies. He has a term deposit for $10‚000 in case he needs cash for the business. Three years ago she inherited a $27‚500 share portfolio from her mother. The portfolio is now valued at $28‚300. There are two car loans; her car‚ with $25‚500 outstanding & costing
Premium Loan Brain tumor Debt
Question 1: Most of the financial institutions have the problem of non-performing loans. Basically‚ the non-performing loans (NPLs) mean that the loans in default‚ or is close to being in default according to Investopedia. In the contract terms‚ NPLs indicates the failure to promptly pay interest or principal when due. When the borrowers are unable to meet the legal obligation on making the required payment or are unwilling to honor the debt‚ the default will be taken place. With the increase
Premium Monetary policy Central bank Inflation
ONE ACRE FUND: CASE STUDY The scene is Bungoma‚ Kenya; Moises Postigo is a buyer interested in purchasing fertilizer on a large scale for his not-for-profit organization the One Acre Fund (OAF). OAF’s mission is to provide fertilizer to farmers “who have nothing” on a credit like system and when the farmers produce their crops a percentage of their supplus would be returned to OAF. Eventually the farmers would no longer need a “free hand out” and will be able to support themselves and their families
Premium Negotiation Best alternative to a negotiated agreement
5. Federal Funds Federal Funds represent the asset to lending bank and liability to borrowing bank. The loan in Federal funds is short-term loan. Usually‚ the loans are for one to seven days. These funds help the bank to correct short-tem fund imbalances. Federal funds rate is interest rate charged in the federal funds. It is same for all banks borrowing in federal funds market. Federal funds market more active on Wednesday because that is final day of each particular
Premium Finance Bond Bank
MOTIVATION I. Case: BONIFACIO SAVINGS AND LOANS ASSOCIATION The Bonifacio Savings and Loans Association (BSLA) in its last monthly consultative meeting for the year decided to embark on a one-year deposit campaign program. Dubbed as BSLA’s “Employee Motivation Program (EMP)”‚ the deposit campaign aimed to increase deposit levels which was BSLA’a traditional source of funds. Mr. Danillo Lagman‚ VP for operations‚ was chosen as overall program coordinator. After a month of preparation‚ Mr.
Premium Branch
Additional Funds Needed Method: Most companies expect growth in sales‚ which means its assets also must grow. Asset growth requires additional funds‚ so the firm may have to raise additional external capital if it has insufficient internal funds. If we assume that none of the firm’s ratios will change‚ we can use a simple approach‚ the Additional Funds Needed (AFN) method‚ to forecast financial requirements. • Required Increase in Assets In a steady-state situation in which no excess capacity
Premium Balance sheet Generally Accepted Accounting Principles Accounts receivable
back on my life in the next 30 years I want to be able to accomplish me dreams. My educational goal is to become a general Dentist‚ and my main motive for that is to help those people in my community who have lost their smile retain it back. I want to be a dentist‚ because I like to be the reason people smile. Winning this scholarship would ease the burden of student loans I have to repay at the end of my educational years. I want nothing to stand as a hindrance on my way to success‚ and this scholarship
Premium Dentistry Dental hygienist English-language films
Q5 Federal funds borrow money from a bank to another bank. The interest rate is the Fed funds rate. This rate is not set by anyone directly‚ but is determined by the market. Due to changes in supply and demand conditions‚ often change rate. Fed by adjusting the money supply to influence the federal funds rate. Q6 The Fed funds market let depository institutions reach the needs of short-term liquidity to other financial institutions. When they need short-term funds from the Fed funds market‚ it borrowed
Premium
University of Patras‚ Greece Department of Business Administration‚ University of Patras‚ Greece atsagkanos@yahoo.gr Athanasios Bellas Department of Business Administration‚ University of Patras‚ Greece Determinants of Non-Performing Loans: The Case of Eurozone vmakri@upatras.gr Athanasios Tsagkanos UDC 336.77 (4-672EU) ”2000/2008” DOI: 10.2298/PAN1402193M Original scientific paper bellas@upatras.gr Acknowledgements: The authors would like to thank the two anonymous
Premium Bank Inflation Monetary policy
Hedge Fund Strategies Problem Set: Backtesting the Carry Trade (Macro Strategies) Prof. Andrea Frazzini In this problem set‚ you backtest the currency carry trade using the data provided in the accompanying Excel spreadsheet. You can do the problem set using Excel or any other program of your choice. Please answer in the space provided (no more than three pages for questions 1-6). 1. For each month of the sample‚ rank the countries based on their interest rate (hint: Excel has a function
Premium Microsoft Excel Hedge fund Investment