PROJECT APPRAISAL / CREDIT APPRAISAL Project / Credit appraisal is a skill which has to be acquired by study and supplemented by practice. Intuitive guess work has little place in appraising the credit rating or credit needs of a corporate unit. The credit managers of banks and Non Banking Finance Companies (NBFCs) are duty bound to accept or reject a proposal on the basis of its viability or non - viability. TECHNIQUES USED IN CREDIT APPRAISAL A. BY THE BANKS OR FINANCIAL INSTITUTIONS. B.
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Evaluation of credit rating Memorandum: Credit Rating assignment: Home Depot‚ Inc. After analysing the financial statements of Home Depot‚ we have allocated a “C” rating of credit risk. The proposal is to start with the “C” rating and then to either upgrade to a “B” rating or to be down graded to a “D” rating. The reason for such a decision is discussed below. Home Depot has a current ratio of 1.19 to 1 which means that it’s current assets covers it’s current liabilities by 1.19 times.
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With the easiness of swiping a credit card for a purchase there is going to be some pros and cons. Some may say with credit card power come great responsibility. It may either help when handled properly or become your worst nightmare if abused. If you are able to pay your bills on time every month and not carry over a balance. Then credit cards are a great convenience. The cards can also land you deep in debt. This often occurs if you’re unaware of the terms of the credit card agreement‚ and if you carry
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in debt these days‚ many are scrambling to find easy‚ quick ways how to improve credit score. Credit scores are very important in building a strong credit history that will vouch for you when you want to purchase a house‚ get a job‚ or rent a car just to name a few. If you want to clean up your credit score‚ it’s important to adhere to the following tips to get your credit score back on track. Remember‚ having credit is a responsibility that you will pay back the money you’ve charged‚ and if you
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Running Head: PLUTONIUM COMPANY Week 3 Case Study: Plutonium Company Fraud Kyle Harrison Keller Graduate School of Management AC 572: Accounting Fraud Examination Concepts Instructor Sherwin Cord January 25‚ 2009 Week 3 Case Study: Plutonium Company Fraud Plutonium‚ an Internet start-up company founded in 1988‚ was in the midst of a massive project to improve integration and internal data quality of its disparate information systems. At the heart of this project was an endeavor to implement
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Microeconomics Monopolies Paper Monopolies Good or Bad A monopoly is a single company that owns all or nearly all of the markets for a type of product or service. A monopoly is at the opposite end of the market structure. It is where there is no competition for goods or services and a company can freely charge a price or prevent market competition. Monopolies have three built in assumptions‚ one seller‚ no substitutes or competition‚ and extremely high barriers to entry. Examples of monopolies
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hfujul Islam for the international scholarships for master and PhD program in management and quantitative methods at Charles III University of Madrid. I was his course teacher of "Business Mathematics-203" & "Insurance and Risk Management-208" and have known Mahfujul for last 5 years. As a student‚ Mahfujul demonstrated a love of learning and the level of commitment necessary to succeed in all level. As an educator‚ I am happy to be able to provide this recommendation for such a deserving student
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Case Manager Interview Questions BSHS/402 December 17‚ 2012 Debbie Prince Here are twelve questions that Team A has prepared to use to interview our case managers for our week 5 PowerPoint: 1. Assessment and Reassessment (Debra) * How do you assess clients and what steps are taken to assess them? * How often do you reassess your client and why? 2. Establishing A Relationship (Jasmine) * What steps are taken to establish a relationship with a client? * What challenges
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Analysis of Credit Card Debt 1. Most credit cards require that you pay a minimum monthly payment of two percent of the balance. Based upon a balance of $5‚270.00‚ what would be the minimum monthly payment (assuming no other fees are being applied)? In order to find out what the minimum monthly payment would be we would have to Multiply the minimum monthly payment percentage with the balance. 2% x $5‚270.00 = 0.02 x $5‚270.00 = $105.40 2. Considering the minimum payment you just calculated
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to: Free Credit Report on the Federal Trade Commission’s site. Identity Theft resource center on the Federal Trade Commission’s site. Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each. If you find errors on your credit report‚ what steps would you take to correct them? Steps we can take include writing to the credit reporting company describing what we feel is inaccurate on our credit. If we
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