What is a regional rural bank ? What is the shareholding pattern of RRB? What are its role and functions ? The organizational structure of RRBs. List and objectives of RRBs. It is a presentation presented by 5 .
What is a regional rural bank ? What is the shareholding pattern of RRB? What are its role and functions ? The organizational structure of RRBs. List and objectives of RRBs. It is a presentation presented by 5 .
Micro finance for agriculture, A report on how Microfinance and Agriculture are to go hand in hand in the coming years, Showing a good business opportunity.
This slide is about Short Term Financing. I prepared it for my class presentation at the course FIN101. All the information in this slide collected from various kind of sources.
The detail classification of credit in agriculture and need of credit in agriculture to Indian farmers.
ECON-242 Agriculture finance and co-operation.
By, Miss. Raksha Anil Hingankar.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
Micro finance for agriculture, A report on how Microfinance and Agriculture are to go hand in hand in the coming years, Showing a good business opportunity.
This slide is about Short Term Financing. I prepared it for my class presentation at the course FIN101. All the information in this slide collected from various kind of sources.
The detail classification of credit in agriculture and need of credit in agriculture to Indian farmers.
ECON-242 Agriculture finance and co-operation.
By, Miss. Raksha Anil Hingankar.
Credit/Loan Policy of a co-operative society guidelines. The purpose of a loan policy, procedures of approving loans, guarantor-ship/loan security, etc.
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Ever wonder what you're evaluated on when applying for a small business loan? Here are the 5 basic criteria lenders take into consideration when analyzing your loan application.
Topics covered are how to conform to the legal and ethical requirements of credit investigations, the difference between direct and indirect credit investigations, how to gather information, etc.
We know that education and work driven by passion awakens us to new learning and a world bigger than ourselves. Passion makes us curious, compels us to dig deeper, and sustains us as we persevere towards answers to questions that matter most.
Explore with us how the principles and practices of a passion-driven work: disciplined study, fostered imagination, active participation and community contribution, can and will transform the teaching, learning, and lives.
Many entrepreneurs – social, triple bottom line or otherwise – do not avail themselves of all potential capital sources when seeking funding to grow or scale, limiting prospects to cash flow their initiatives. This seminar explores a range of options for funding: external in the marketplace, internal within an organization, new ideas and classics not to overlook.
Small and Medium Enterprises (SME) Distribution ChannelsM S
Front end Distribution Channels, Paramters for loan consideration, Value parameters for Borrowers, Sample chart explaining the SME loan process, Workflow model for sanction and disbursement process.
Insight of Valuation: Corporate Valuations Team of Corporate ProfessionalsCorporate Professionals
An article on Corporate Valuations, Business Valuation Approaches, Methods of Business valuation- DCF Valuation, RBI Valuation, Valuation for IT Sector, Enterprise Valuation
It is hardly true that financial inclusion gaps forced countries around the world to explore the potential of digital financial services and fintech companies allow leapfrogging of traditional brick-and-mortar banking services. As per the study conducted by the World Bank, access to affordable financial services is critical for poverty reduction and economic growth. At the macro level, countries with deeper, more developed financial systems can allocate capital and risks more efficiently and consequently enjoy higher economic growth and larger reductions in poverty and income inequality. At the micro level, financial inclusions—access to and use of basic financial services—can reduce poverty, increase resilience and improve the lives of the poor. Digital financial services bridge the financial inclusion gaps and enhance economic growth. Fueled by the explosive growth of mobile phones, digital financial services (DFS) leverage technology to offer new forms of financial accounts that provide secure options for storing, transferring, and accumulating money. Hence, digital financial services are becoming accessible and affordable to all individuals and businesses through digital financial channels which ultimately boosts financial inclusion.
The contribution of digital financial service in alleviating constraints to financial access is quite immense. The emergence of mobile money, platform eco systems and open application programming interfaces (APIs) uplifted the digital financial service at the global level and impacted the level of financial inclusion. Yet in many emerging economies today, the majority of individuals and small businesses lack access to even basic savings and credit products, which hinders economic growth and perpetuates poverty. Financial exclusion is at the forefront in the list of the challenges which inhibit the growth of many economies around the globe.
Digital financial services enable financial institutions to provide convenient self-service saving and credit products. Traditional saving and lending processes are being replaced by quick and painless digital processes and helps to enhance digital customer centric experience.
Looking the relevance of digital financial service to financial inclusion, the government of Ethiopia is undertaking digital transformation to boost the economy and the necessary regulations have been crafted to create conducive environment. As per the study conducted by national bank of Ethiopia, only 35% of the population is financially included and the remaining 65% of the population is excluded from financial service. Needless to mention, digital financial services would allow financial institutions to outreach financially excluded segments of the population. Increasing digital adoption, digital payment offerings, ease of regulation to attract new entrants, and a growing fintech community are the main drivers of digital transformation in Ethiopia.
The basic premise with the Law of Attraction, Law of Vibration, Law of Gratitude, Law of Love, and Law of Allowing, is that when you practice these laws, and stay in harmony with them, you will prosper. You will have abundance. You will have plenty.
There is no denying it. Your thoughts control your actions. Your thoughts dictate what you end up getting from the Universe. If you believe completely that you will receive what you wish for, good things will come your way.
You must accept that which you wish upon. You must be tuned into the universe to get it. You must be in vibration to what you want. You must show the universe you want it by having gratitude for what you have received. You also must show that you are allowing it by being receptive to it and saying “yes” to it when it comes. By doing this, the universe will manifest it to reality and provide you more.
The main point with this book is to draw your attention to the fact that there are universal laws God put in place to help us. He loves us and wants the best for us. By acting in harmony with his will and by obeying his universal laws, you will have plenty. You just have to start the process with a thought, turn that thought in an image, send it to your heart for processing (this turns into emotions and feelings), act on your thoughts, and allow the results to come to you. By doing this you will receive results from your thoughts, whether they are good or bad.
The old saying is, “be careful what you wish for” or “you are your thoughts” holds true here in every respect. Therefore, watch your thoughts if you want the best that life has to offer.
Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
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Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
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Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
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Kyiv PMDay 2024 Summer
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Kseniya Leshchenko: Shared development support service model as the way to ma...
5 c’s of credit analysis
1.
2. 5 C’s of Credit
Analysis
1 Character 2 Capacity 3 Capital 4 Collateral 5 Condition
Income Assets &
Social character statement liabilities Tangibility Economic survey
analysis analysis
Interview & Real estate
Legal character Interview Liquidity
observation analysis
3. Character
Social Legal
Qualitative = values, ethics and Qualitative = criminality
behavior with record
society
Quantitative = NADRA record, Quantitative = credit history
domicile through E-CIB
4. Capacity (financial performance)
Income statement analysis Interview & observation
Quantitative Qualitative
If there is no I/S then
Expenses < revenues (accept) interview is conducted and
Expenses = revenues (reject) his or her financial
performance is observed.
Expenses > revenues ( reject) For this purpose analytical
approach should be higher.
5. Capital ( financial performance)
Assets & liabilities analysis Assessment
Quantitative Qualitative
If there is no B/S then
Assets > liabilities ( accept) interview is conducted and
Assets = liabilities (reject) his or her financial position
is observed. For this
Assets < liabilities (reject) purpose analytical approach
should be higher.
6. Collateral (security)
Tangibility Liquidity
Quantitative Qualitative
Having tangible mass. • Easily saleable
• No time waiting
Total assets – intangible fixed • Less transactional cost
assets
7. Condition
Economic survey Real estate analysis
Quantitative Qualitative
A business, industry or Specially for consumer
sector’s condition is loans real estate study is
checked through the study necessary because the
of economic surveys. securities are in the shape
e.g. sizing industry, CNG of land.
pumps
Editor's Notes
Hierarchy of C’s shouldn’t be changed i.e. capacity is analyzed before character it will be wrong. But in some conditions it can be changed or the client can be rejected if any C isn’t good and that is clearly known by the banker. For example if an industry’s condition isn’t good then the banker don’t have need to analyze the previous C’s. the banker can reject the client directly.
E-CIB = electronic – credit information beauru (if e-cib –ve then rejected, if +ve then accepted and if loan taken but installments is paying on time then also accepted.Criminality record is taken from the court.
Just liabilities will be analyzed in comparison of assets the equity will be ignored.Assets = liabilities + capital80000 = 70000 now (80000-70000 = 10000)Up to this extent (10000) loan can be disbursed.
Liquidity:Land (D.ground)Rs land (village)Rs100000 100000 Now the land in D.ground will be preferred because that is more liquid(easily saleable).Tangibility:Good will, copy right patents etc don’t have tangible mass so can’t be taken as collateral.