FINANCIAL MATHEMATICS 1. RATE OF RETURN 2. SIMPLE INTEREST 3. COMPOUND INTEREST 4. MULTIPLE CASH FLOWS 5. ANNUITIES 6. LOAN REPAYMENT SCHEDULES Financial Math Support Materials Page 1 of 85 (1) RATE OF RETURN FINANCIAL MATHEMATICS CONCERNS THE ANALYSIS OF CASH FLOWS BETWEEN PARTIES TO A CONTRACT. IF MONEY IS BORROWED THERE IS AN INTIAL CASH INFLOW TO THE BORROWER BUT AFTERWARDS THERE WILL BE A CASH OUTFLOW IN THE FORM OF REPAYMENTS. A person
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FINANCIAL SYSTEMS A financial system is a set of complex and closely interconnected financial institutions‚ markets‚ instruments‚ services‚ practices and transactions. It consists of institutional units and markets that interact‚ typically in a complex manner‚ for the purpose moblising funds for investment and providing facilities‚ including payments systems‚ for the financing of commercial activity. Financial systems are crucial to the allocation of resources in a modern economy. They channel
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Financial services encompass a variety of businesses that deal with money management. These include many different kinds of organizations such as banks‚ investment companies‚ credit card companies‚ insurance companies and even government programs. Financial services can also refer to the services and products that money management organizations offer to the public. Banks are one kind of financial services organizations. Banks generally function by providing a sheltered and secure place for
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FINANCIAL INCLUSION IN INDIA Even after 60 years of independence‚ a large section of Indian population still remains unbanked. This malaise has led generation of financial instability and pauperism among the lower income group who do not have access to financial products and services. However‚ in the recent years the government and RBI have been pushing the concept and idea of financial inclusion. WHAT IS FINANCIAL INCLUSION? Financial inclusion is the delivery of financial services at affordable
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Accounting For Managers Handbook © University of Bedfordshire 2013 Published by the University of Bedfordshire Business School Luton Campus‚ Vicarage Street‚ Luton LU1 3JU‚ United Kingdom Unit Handbook © University of Bedfordshire 2013 Welcome Welcome to the Accounting For Leaders unit of the University of Bedfordshire MBA Programme. This handbook contains all of the advice and information you need to successfully complete your work on this unit. It should be read in conjunction with the
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The Financial Environment: Markets‚ Institution and Investment Banking Financial Markets * Refers to a conceptual “mechanism” rather than a physical location or a specific type of organization or structure * As a system that includes individuals and institution‚ instruments and procedures that bring together borrowers and savers‚ no matter the location Importance of Financial Markets: * The primary role of financial market is to facilitate the flow of funds from individuals and
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but the provisions of emergency are in a limited form. The Constitution‚ deals with a number of emergencies and financial emergency is one of them. “A state of emergency refers to a period of governance under an altered constitutional setup that can be proclaimed by the President of India‚ when he perceives grave threats to the nation from internal and external sources or from financial situations of crisis. Under the advice of the cabinet of ministers and using the powers vested in him largely by
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GROUP 1 REPORT FINANCIAL RATIOS Financial ratios are useful indicators of a firm’s performance and financial situation. Most ratios can be calculated from information provided by the financial statements. Financial ratios can be used to analyze trends and to compare the firm’s financials to those of other firms. In some cases‚ ratio analysis can predict future bankruptcy. SOURCES OF DATA FOR FINANCIAL RATIOS Balance Sheet Income Statement Statement of Cash Flows Statement of Retained
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Financial Stakeholders/Non-Financial Stakeholders At PepsiCo‚ there are a number of financial stakeholders which include the likes of; stockholders (shareholders)‚ Board of Directors‚ employees‚ managers‚ suppliers‚ and the government. The government is listed as a financial stakeholder because of the salaries of the large number of individuals who are employed by PepsiCo. This puts the government in the category of financial stakeholder because of the great amount of taxes from the business
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Financial education should be a mandatory component of the school program. To what extent do you agree or disagree with this statement? It is an obvious fact that financial aspects are a major part of the daily life‚ as an adult and even as a young individual. Each and every one of us has to make financial decisions concerning recreation‚ health‚ education and more. The question is whether to start with financial education as part of school program or to postpone it for a later stage in life. To
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