Sheet – 01 & Lecture – 01 Question: Lending Management or lending policy Answer: Lending Management or lending policy and proud we the main instrument towards achieving mission and vision of a Bank. As mentioned in the memorandum and articles of association of the Bank it is committed to invest in industrial and business enterprises by developing projects of national importance‚ including the small and medium enterprise (SME) consumer loan‚ capital market separation‚ lease financing‚ trade
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consider that as a gift. Secondly‚ if you consider that trust in a friendship is important avoid lending money. For instance‚ when you lend your money the friendship becomes in a costumer and client relation. And begins attitudes some attitudes begin to take place as your friend is never is at home or never answers your calls. Thus‚ if you want to conserve a good friendship based on trust avoid lending your money. Finally‚ as a conclusion‚ and having taking into account that borrowing money from a
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Popular Ethical Theories Relativism as defined by Merriam-Webster (2013)‚ is a theory that knowledge is relative to the limited nature of the mind and the condition of knowing. Philosophically‚ relativism references that all points of view are equally credible‚ and that all truth is related to the individual (Westacott‚ 2005). Relativism can more specifically be defined as “the nature and existence of items of knowledge‚ qualities‚ values or logical entities non-trivially obtain their natures
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HSBC’s Mortgage Lending Decisions: What went wrong? 1. What problem did HSBC face in this case? What people….. They came into problems during the global financial crisis because of heavy exposure in the subprime mortgage market. They bought subprime loans from other sources to increase its revenue. Many of these did not require any down payment‚ but were approved for risky borrowers with a poor credit history. Home values started to go down‚ interest rates were going up. Unfortunately‚ borrowers
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Ethical dilemma happens every single day; some people may recognize it‚ while others do not. Although ethical dilemma can happen to anyone or anywhere‚ nurses and health care professionals are the ones who face more ethical dilemmas on a daily basis. Whether it’s about medication administration‚ patient safety‚ patient rights‚ patient care‚ delegation etc.‚ nurses always face ethical dilemma. While you may not think promoting self management in depressed old patient does not seem to have any ethical
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this paper is to analyze whether torturing enemy combatants or high-value targets violates standards of morality in an American free society. Examine whether the act of torture violates basic human rights and if it could have global implications. Also it will discuss ethical theories that justify torture. Torture used to be contrary to American values. Cruel and unusual punishments were forbid by Our Bill of Rights. Americans and our government have historically condemned states that (practice)
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For Profits: The Unethical Side of Micro-Lending The original principle of micro lending is to provide start-up or expansion business loans to people living in less advantaged or impoverished countries who are unable to apply for traditional loans due to lack of credit history and/or collateral. Micro-financing is a great tool to create venture capital for those who would have no other means to secure it. The primary goal of micro lending‚ as established by Muhammad Yunus‚ the godfather of microcredit
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JV CAPITAL SERVICES PVT. LTD www.sharetrading.in VIP LTD. INDUSTRY : MOULDED LUGGAGE NSE Symbol : VIPIND CMP 115 RISK PROFILE: MEDIUM BUY TARGET 210 Key Data : 52 week H/L : Market Cap (Rs Cr.) : Face Value : Beta : P/E : Div % : BV : PBV : (Source : Company) 294/32 314 10 0.92 26 0.87 48.9 2.3 VIP Industries is engaged in the travel product business. The Company operates in two business segments: luggage & accessories and furniture. The products manufactured by the Company includes
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The Sublime Lending Fiasco that occurred in the United States was an‚ unfortunately‚ catastrophic example of how the misuse of money and power along‚ with a lack of ethical consciousness‚ can lead to a nation wide crisis that affects a unsettling large amount of innocent people. The mortgage investors involved in this fiasco are a prime example of how greedy and selfish behavior can undercut one’s ethical principles. These mortgage investors used their power to enhance their financial gains without
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The Ethics of Predatory Lending in the Housing Industry The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates‚ 1st time home buyer down payment assistance programs‚ and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati)‚ the real estate and mortgage lending industries will continue to flourish. However‚ there are some unethical lending practices that are threatening
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