QUESTION 3 :Explain how to evaluate commercial loan. A commercial loan is a debt-based funding arrangement between a business and a financial institution‚ typically used to fund major capital expenditures or to cover operational costs that the company may otherwise be unable to afford. Expensive upfront costs and regulatory hurdles often prevent small businesses from having direct access to debt and debt and equity markets for financing. Similar to consumer credit‚ smaller businesses must relay on
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Perfect competition A perfectly competitive market is a hypothetical market where competition is at its greatest possible level. Neo-classical economists argued that perfect competition would produce the best possible outcomes for consumers‚ and society. Ex:- Wheat‚ rice Key characteristics Perfectly competitive markets exhibit the following characteristics: 1. There is perfect knowledge‚ with no information failure or time lags. Knowledge is freely available to all participants‚ which means
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o l e c o n Natural resources‚ capital accumulation and the resource curse☆ Richard M. Auty⁎ Department of Geography‚ Lancaster University‚ Lancaster LA1 4YB UK AR TIC LE I N FO ABS TR ACT Article history: Early concern by economists for the effect of natural capital on economic growth gave way Available online 17 October 2006 to complacency and neglect during the nineteenth century. Evidence has emerged‚ however‚ that since the 1960s the economic performance of low-income
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HOW DOES SPONSORSHIP WORK? 6. To get a licence‚ you must apply to us‚ supplying specified documents to prove that you are suitable and eligible. These documents are listed in Appendix A which is separate to this guidance booklet. We will carry out appropriate checks before deciding whether to grant you a licence. We may refuse your application if there is anything in your history or your Key Personnel’s (see paragraphs 86-120) history that suggests you could be a threat to immigration
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Water resources are sources of water that are useful or potentially useful. Uses of water include agricultural‚ industrial‚ household‚ recreational and environmental activities. Virtually all of these human uses require fresh water. 97% of the water on the Earth is salt water. However‚ only three percent is fresh water; slightly over two thirds of this is frozen in glaciers and polar ice caps.[1] The remaining unfrozen freshwater is found mainly as groundwater‚ with only a small fraction present
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The concept of efficient market hypothesis (EMH)‚ which suggests that "an efficient market impounds new information into prices quickly and without bias‚" (Bowman‚ 1994‚ p2) is of prime importance to the accounting field for determining the managers’ performance and the effectiveness of having a fully disclosed financial statements. With EMH‚ stakeholders can determine the effectiveness of the appointed management by observing the stock price. "In major stock markets...a rational consensus will
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$117.99 per barrel. (Source US Energy Information Administration) Economics is the study of using resources in a productive manner and to allocate them in the best possible way. Economics is concerned with the production and consumption of goods and the transfer of money to create and get those goods. Economics tells us how people in the markets communicate in order to achieve what they desire and fulfill their goals. Economics deals with studying the wants and desires of people resulting in creating
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Explain how to adapt communication with children and young people for The age of the child or young person Unit 1 Communication and professional relationships with children‚ young people and adults 1.2:2 Explain how to adapt communication with children and young people for: 1. The age of the child or young person Children coming from primary school to secondary school will go through many changes. They are aged between 11 and 12 years old. Their bodies will be changing as well with reaching
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| How to Build a Supportive Workgroup | | | 4/20/2012 | This document seeks to inform the reader of the best ways to form a supportive workgroup. There are many methods and each is discussed in detail as to provide a wealth of knowledge. Having a supportive workgroup has been shown to allow the company to have more success‚ as well as employees who are loyal to the company. | Contents Paper Section 2 How to Build a Supportive Climate 2 The Twelve Steps 2 1. State the
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. Organisational strategy relates to company missions‚ where the Strategic Human Resource Management (SHRM) works towards the organisational strategy by acknowledging all the internal and external factors tactically to achieve the organisational goal. There are various approaches to organisational strategy (internal and external) applied by organisations to produce an infrastructure which matches opportunities offered by the market‚ in order to ensure future success and benefits greater than other
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