Business banking unit7
•Download as PPTX, PDF•
0 likes•252 views
This document discusses alternative sources of business finance in Uganda. It outlines different types of financing including long term, medium term, and short term options. It also provides a grid that summarizes the main sources of these various types of business finance in Uganda, including commercial banks, development banks, credit institutions, microfinance institutions, NSSF, leasing companies, and offshore/international investors. The document explains that while business owners typically start with their own capital, external financing is later needed to help businesses grow, and various financial institutions can provide different financing options to meet these needs.
Report
Share
Report
Share
Recommended
Islamic Banking Products - An Introduction
The document discusses the operations of conventional and Islamic banks in Pakistan. It explains that conventional banks engage in interest-based lending and deposit-taking, while Islamic banks utilize profit-and-loss sharing modes like musharakah and mudarabah. The major differences between conventional and Islamic banking are outlined for current accounts, savings/term deposits, and financing operations. Current accounts in Islamic banking are based on the concept of qard or debt, while investment accounts can be structured as mudarabah or musharakah partnerships. Financing in Islamic banks incorporates modes like murabahah, istisna, and salam instead of interest-based lending.
Islamic liquidityalternatives
Discussion on various options available with Islamic Banks to manage their day to day liquidity position.
Banks
The Reserve Bank of India has sole authority to issue currency notes with the exception of one rupee notes. As the central bank, it manages the banking needs of the government and holds the cash reserves of commercial banks. It also oversees the country's foreign currency reserves and provides support to commercial banks during financial difficulties. The clearing of accounts between commercial banks has become an essential function of the Reserve Bank, and it controls credit in accordance with government economic priorities.
Industrial finance
Industrial businesses require financing for starting up, running operations, research and development, dealing with troubles, and expanding. There are short term, medium term, and long term industrial financing options. Short term is less than a year, medium is over a year but under five years, and long term is over five years. Businesses can access internal sources like self financing, equity shares, debentures, bonds, and public deposits or loans. External sources include foreign direct investment, institutional investment, and non-resident investment.
Construction Loans
A construction loan can also be a form of project financing. Project financing is done for long term construction projects. Examples include constructions done in the fields of mining, telecommunication, and transportation.
PROJECT FINANCING IN TANZANIA; ASSOCIATED RISKS.
Basing on the interlocking structure parties in project financing arrangements financial risks are always higher than ever. It is the diversity of interests of these stakeholders, which brings about complex risk allocation conflicts here are the major risks associated with project financing in Tanzania.
Asset securitization
This document discusses asset securitization, which involves issuing marketable securities backed by expected cash flows from receivables. Securitization allows for more efficient financing, improves balance sheets, and better manages risk. Any asset with predictable cash flows can be securitized, especially those in large pools with standardized documentation. The benefits of securitization are off-balance sheet financing, regulatory capital relief, and liquidity for originators. Investors benefit from economies of scale and credit enhancement. A robust financial infrastructure is required to support successful securitization.
Types of debt instruments
Bonds are loans issued by entities like governments and corporations to investors. There are several types of bonds:
Regular bonds have a fixed coupon and maturity date with no call or put options. Callable bonds allow the issuer to redeem the bond before maturity if interest rates decline. Puttable bonds give the investor the right to sell the bond back to the issuer before maturity if rates rise. Convertible bonds can be converted into equity in the borrowing firm. Perpetual bonds have no maturity date but may have a call option, while tier-2 bonds under Basel III standards have fixed coupons and maturity but a call option.
Recommended
Islamic Banking Products - An Introduction
The document discusses the operations of conventional and Islamic banks in Pakistan. It explains that conventional banks engage in interest-based lending and deposit-taking, while Islamic banks utilize profit-and-loss sharing modes like musharakah and mudarabah. The major differences between conventional and Islamic banking are outlined for current accounts, savings/term deposits, and financing operations. Current accounts in Islamic banking are based on the concept of qard or debt, while investment accounts can be structured as mudarabah or musharakah partnerships. Financing in Islamic banks incorporates modes like murabahah, istisna, and salam instead of interest-based lending.
Islamic liquidityalternatives
Discussion on various options available with Islamic Banks to manage their day to day liquidity position.
Banks
The Reserve Bank of India has sole authority to issue currency notes with the exception of one rupee notes. As the central bank, it manages the banking needs of the government and holds the cash reserves of commercial banks. It also oversees the country's foreign currency reserves and provides support to commercial banks during financial difficulties. The clearing of accounts between commercial banks has become an essential function of the Reserve Bank, and it controls credit in accordance with government economic priorities.
Industrial finance
Industrial businesses require financing for starting up, running operations, research and development, dealing with troubles, and expanding. There are short term, medium term, and long term industrial financing options. Short term is less than a year, medium is over a year but under five years, and long term is over five years. Businesses can access internal sources like self financing, equity shares, debentures, bonds, and public deposits or loans. External sources include foreign direct investment, institutional investment, and non-resident investment.
Construction Loans
A construction loan can also be a form of project financing. Project financing is done for long term construction projects. Examples include constructions done in the fields of mining, telecommunication, and transportation.
PROJECT FINANCING IN TANZANIA; ASSOCIATED RISKS.
Basing on the interlocking structure parties in project financing arrangements financial risks are always higher than ever. It is the diversity of interests of these stakeholders, which brings about complex risk allocation conflicts here are the major risks associated with project financing in Tanzania.
Asset securitization
This document discusses asset securitization, which involves issuing marketable securities backed by expected cash flows from receivables. Securitization allows for more efficient financing, improves balance sheets, and better manages risk. Any asset with predictable cash flows can be securitized, especially those in large pools with standardized documentation. The benefits of securitization are off-balance sheet financing, regulatory capital relief, and liquidity for originators. Investors benefit from economies of scale and credit enhancement. A robust financial infrastructure is required to support successful securitization.
Types of debt instruments
Bonds are loans issued by entities like governments and corporations to investors. There are several types of bonds:
Regular bonds have a fixed coupon and maturity date with no call or put options. Callable bonds allow the issuer to redeem the bond before maturity if interest rates decline. Puttable bonds give the investor the right to sell the bond back to the issuer before maturity if rates rise. Convertible bonds can be converted into equity in the borrowing firm. Perpetual bonds have no maturity date but may have a call option, while tier-2 bonds under Basel III standards have fixed coupons and maturity but a call option.
Securitization
Securitization involves pooling financial assets like loans and converting them into marketable securities. Key players include originators who make the original loans, special purpose entities that purchase the loans and issue securities, credit rating agencies that rate the securities, underwriters that help issue the securities, trustees that ensure obligations are fulfilled, servicers that collect loan payments, and investors who purchase the securities. SPVs play an intermediary role by holding the pooled securities and allowing risk sharing. Banks securitize to diversify risk, generate liquid assets, extend their credit pool, and earn fee income, while investors can earn higher returns through a diversified portfolio. However, prepayments and floating rates may impact returns, and maintenance obligations and regulator concerns about under
133761133 2-project-financing-in-india-ppt
Project financing refers to financing large capital intensive projects with long timelines. Project financing in India relies on the project's assets and cash flows for security rather than the sponsors. It involves limited recourse to sponsors. Major sources of project financing in India include equity, preference shares, debentures, rupee and foreign currency term loans, government subsidies, deferred credit, and bank financing. Financing typically uses a mix of debt and equity tailored to each project's needs. Careful documentation is important for flexible project financing.
Asset finance securitization
Pooling Of Assets, Securitization, Special Purpose Vehicle, Asset Securitization, Asset Based Securities, Mortgage Based Securities.
Fund Executive Summary
Fund is a private investment firm that specializes in lending capital across public equity, fixed income, and private equity markets globally. It has an experienced management team supported by an executive board to position the firm as a diverse global capital provider. The firm focuses on providing customized capital structures in public and private markets to meet shareholders' objectives. Combining public and private investments enhances the ability to leverage markets and manage risk in today's volatile environment. The firm allows for efficient lending and global liquidity.
Innovative corporate finance solutions szecskay freshfields am cham 15 septem...
Businesses have several options when they raise capital and each company requires a different level of flexibility and risk analysis for financing. Our legal experts prepared a case study on the different products available to a fictitious Hungarian subsidiary of a global enterprise which is considering the refinancing of its bank debts, and a SWOT analysis for compliance and risk management.
Term loan financing
Modes of Financing
Purpose of Term Loans
Types and Features of Term Loans
Procedures Associated with Term Loans
Pros and Cons of Term Loans
Appraisal of Project
Repayment Schedule
Syndicated Loans
Securitisation
Securitization is the process conversion of receivables and cash flow generated from a collection or pool of financial assets like mortgage loans, auto loans, credit card receivables etc into the marketable securities.
Project financing(sjain ventures)
People need project financing for their important work like they can need it for transportation, business purposes or it can be individual use also.
Bank lending and principles of sound lending
The document outlines principles of sound lending for banks. The key principles discussed are safety, liquidity, profitability, purpose of the loan, diversification of risk, and national policies. Safety means ensuring the borrower has the capacity and willingness to repay the loan. Liquidity means making mostly short-term loans as banks deal in short-term funds. Profitability means employing funds profitably while maintaining safety and liquidity. The purpose of the loan should be productive to generate profits for repayment. Risk is reduced through diversifying loans across multiple borrowers rather than concentrating in one. National policies also guide bank lending decisions.
Long Term Debt Instrument
Long-term debt consists of loans and financial obligations lasting over one year. Long-term debt for a company would include any financing or leasing obligations that are to come due in a greater than 12-month period. Long-term debt also applies to governments
Presentation on Asset Backed Securities
The document discusses asset-backed securitization, including:
1) Asset-backed securities derive their value from pools of underlying assets like loans or receivables, and are issued by special purpose vehicles (SPVs).
2) SPVs are entities created specifically for securitization and have strict characteristics like bankruptcy remoteness.
3) The US mortgage market is highly developed, with originators like banks securitizing mortgages through government-sponsored entities like Fannie Mae and Freddie Mac or private conduits.
4) Pakistani law establishes an regulatory framework for securitization, including registration of SPVs, eligibility criteria for promoters/directors, and obligations of SPVs in operating asset-backed programs.
Inter Corporate Deposits & RPT
This document summarizes the key points from a presentation on inter-corporate deposits and related party transactions under Indian law. It discusses what types of loans and guarantees between holding companies and subsidiaries are allowed, and controversies around loans to directors. It also covers compliance requirements for deposits, exemptions for transactions in the ordinary course of business, and penalties for non-repayment of deposits.
Islamic Finance & PPP World Bank / IDB
This document discusses Islamic finance modes and tools that can be used to finance public-private partnership (PPP) projects. It provides the following key information:
1) The global Islamic finance industry has grown to $1.66 trillion in assets as of 2013, with sukuk being the fastest growing segment. Infrastructure financing needs an estimated $1 trillion per year.
2) Common Islamic finance structures for PPP projects include equity participation, leasing (ijara), construction financing (istisna'a), and restricted mudaraba. These can be applied in single or parallel lender models.
3) The document showcases several real-world PPP projects that utilized Islamic financing structures,
Sharanafms
This document provides an overview of securitization, including:
1) Securitization is the process of packaging loans and other receivables into marketable securities that can be sold to investors, allowing originators to liquidate assets and raise funds.
2) It involves several parties including originators, special purpose vehicles, investment bankers, credit rating agencies, and investors. Assets are identified, transferred to an SPV, securities are issued, redeemed, and rated.
3) Securitization provides benefits like additional funding sources, higher profitability, and risk spreading for originators and banks. However, it remains less popular in India currently due to its newness and various regulatory and market barriers.
Inter corporate deposits
Kingfisher Airlines owes Rs 260 crore to Airports Authority of India for airport infrastructure usage. KFA will pay through an inter-corporate deposit from UB Group. [ICDs are short-term loans between corporations, often at higher interest rates than banks due to risk. They lack collateral but help cash-strapped firms access funds.] Kingfisher will receive an ICD from UB Group to pay its debt to AAI. ICDs are an unsecured source of short-term funds for companies in need, bearing higher interest than bank loans. They are an alternative to bank loans, especially for less creditworthy companies. However, their reliance on corporate relationships limits their availability compared to formal bank financing.
Types of sponsors and investors in project finance
This document discusses types of sponsors and investors involved in project finance. It describes project finance as long-term financing based on projected cash flows rather than balance sheets. Project finance typically involves equity investors known as sponsors and loans from banks or other lenders. Loans are non-recourse and paid from project cash flows rather than sponsor assets. A special purpose entity is usually created to shield other sponsor assets from project failure. Financial structuring seeks to allocate risks optimally between private partners through contractual arrangements.
SFR Bank Presentation
- Summit Financial Resources is a commercial finance company that partners with banks to provide working capital financing to small businesses when the bank cannot.
- They typically provide credit facilities between $100,000 and $3.5 million to companies with annual sales between $1-30 million in a variety of industries.
- Companies need their financing when they are not qualified for bank financing due to risk factors like a weak balance sheet, lack of operating history, or poor financial reporting.
Asset Backed Securitization
The document discusses asset-backed securitization, which involves a special purpose vehicle (SPV) issuing securities backed by a pool of assets like loans or receivables. It outlines the process, key parties (originator, SPV, underwriter), structure of securities (ratings, payment priorities), and benefits like funding new assets and credit enhancement. Regulations for SPVs in Pakistan are also summarized, including eligibility criteria for registration and operating conditions like prohibiting commingling of funds.
The principle of intermediation.ppt copy
Financial intermediation refers to borrowing by economic deficit units from financial institutions in preference to borrowing directly from economic surplus units.
501c3 Municipal Bond Program
This document provides information on real estate acquisition and development/rehab financing for non-profit corporations through municipal bond financing. It explains that non-profits can obtain non-recourse debt financing through unenhanced tax-exempt municipal bonds to purchase and develop qualified projects like affordable housing, schools, and recycling plants. The financing provides a single loan for acquisition, development, and permanent financing with current market rates and 30-year terms. Projects must qualify based on providing a municipal benefit and cash flows supporting debt repayment. Redbridge Development Partners assists non-profits through this financing process.
HR (human resources)
The Human Resources department handles various functions related to managing employees including hiring, promotions, compensation, benefits, employee development, and addressing performance or conduct issues. Key responsibilities involve meeting the needs of the organization and its employees by recruiting and retaining qualified staff, establishing fair pay and job classifications, administering health and retirement plans, developing workplace policies, and providing advisory support on employment matters. HR aims to support both the company's operational requirements and the needs of its people.
Benefits of financing your biz through a Bank
Getting your business to grow is always the ultimate goal of any business person and getting financial assistance always give it a boost. Find out what specific benefits you can enjoy when you get a loan from a Bank.
More Related Content
What's hot
Securitization
Securitization involves pooling financial assets like loans and converting them into marketable securities. Key players include originators who make the original loans, special purpose entities that purchase the loans and issue securities, credit rating agencies that rate the securities, underwriters that help issue the securities, trustees that ensure obligations are fulfilled, servicers that collect loan payments, and investors who purchase the securities. SPVs play an intermediary role by holding the pooled securities and allowing risk sharing. Banks securitize to diversify risk, generate liquid assets, extend their credit pool, and earn fee income, while investors can earn higher returns through a diversified portfolio. However, prepayments and floating rates may impact returns, and maintenance obligations and regulator concerns about under
133761133 2-project-financing-in-india-ppt
Project financing refers to financing large capital intensive projects with long timelines. Project financing in India relies on the project's assets and cash flows for security rather than the sponsors. It involves limited recourse to sponsors. Major sources of project financing in India include equity, preference shares, debentures, rupee and foreign currency term loans, government subsidies, deferred credit, and bank financing. Financing typically uses a mix of debt and equity tailored to each project's needs. Careful documentation is important for flexible project financing.
Asset finance securitization
Pooling Of Assets, Securitization, Special Purpose Vehicle, Asset Securitization, Asset Based Securities, Mortgage Based Securities.
Fund Executive Summary
Fund is a private investment firm that specializes in lending capital across public equity, fixed income, and private equity markets globally. It has an experienced management team supported by an executive board to position the firm as a diverse global capital provider. The firm focuses on providing customized capital structures in public and private markets to meet shareholders' objectives. Combining public and private investments enhances the ability to leverage markets and manage risk in today's volatile environment. The firm allows for efficient lending and global liquidity.
Innovative corporate finance solutions szecskay freshfields am cham 15 septem...
Businesses have several options when they raise capital and each company requires a different level of flexibility and risk analysis for financing. Our legal experts prepared a case study on the different products available to a fictitious Hungarian subsidiary of a global enterprise which is considering the refinancing of its bank debts, and a SWOT analysis for compliance and risk management.
Term loan financing
Modes of Financing
Purpose of Term Loans
Types and Features of Term Loans
Procedures Associated with Term Loans
Pros and Cons of Term Loans
Appraisal of Project
Repayment Schedule
Syndicated Loans
Securitisation
Securitization is the process conversion of receivables and cash flow generated from a collection or pool of financial assets like mortgage loans, auto loans, credit card receivables etc into the marketable securities.
Project financing(sjain ventures)
People need project financing for their important work like they can need it for transportation, business purposes or it can be individual use also.
Bank lending and principles of sound lending
The document outlines principles of sound lending for banks. The key principles discussed are safety, liquidity, profitability, purpose of the loan, diversification of risk, and national policies. Safety means ensuring the borrower has the capacity and willingness to repay the loan. Liquidity means making mostly short-term loans as banks deal in short-term funds. Profitability means employing funds profitably while maintaining safety and liquidity. The purpose of the loan should be productive to generate profits for repayment. Risk is reduced through diversifying loans across multiple borrowers rather than concentrating in one. National policies also guide bank lending decisions.
Long Term Debt Instrument
Long-term debt consists of loans and financial obligations lasting over one year. Long-term debt for a company would include any financing or leasing obligations that are to come due in a greater than 12-month period. Long-term debt also applies to governments
Presentation on Asset Backed Securities
The document discusses asset-backed securitization, including:
1) Asset-backed securities derive their value from pools of underlying assets like loans or receivables, and are issued by special purpose vehicles (SPVs).
2) SPVs are entities created specifically for securitization and have strict characteristics like bankruptcy remoteness.
3) The US mortgage market is highly developed, with originators like banks securitizing mortgages through government-sponsored entities like Fannie Mae and Freddie Mac or private conduits.
4) Pakistani law establishes an regulatory framework for securitization, including registration of SPVs, eligibility criteria for promoters/directors, and obligations of SPVs in operating asset-backed programs.
Inter Corporate Deposits & RPT
This document summarizes the key points from a presentation on inter-corporate deposits and related party transactions under Indian law. It discusses what types of loans and guarantees between holding companies and subsidiaries are allowed, and controversies around loans to directors. It also covers compliance requirements for deposits, exemptions for transactions in the ordinary course of business, and penalties for non-repayment of deposits.
Islamic Finance & PPP World Bank / IDB
This document discusses Islamic finance modes and tools that can be used to finance public-private partnership (PPP) projects. It provides the following key information:
1) The global Islamic finance industry has grown to $1.66 trillion in assets as of 2013, with sukuk being the fastest growing segment. Infrastructure financing needs an estimated $1 trillion per year.
2) Common Islamic finance structures for PPP projects include equity participation, leasing (ijara), construction financing (istisna'a), and restricted mudaraba. These can be applied in single or parallel lender models.
3) The document showcases several real-world PPP projects that utilized Islamic financing structures,
Sharanafms
This document provides an overview of securitization, including:
1) Securitization is the process of packaging loans and other receivables into marketable securities that can be sold to investors, allowing originators to liquidate assets and raise funds.
2) It involves several parties including originators, special purpose vehicles, investment bankers, credit rating agencies, and investors. Assets are identified, transferred to an SPV, securities are issued, redeemed, and rated.
3) Securitization provides benefits like additional funding sources, higher profitability, and risk spreading for originators and banks. However, it remains less popular in India currently due to its newness and various regulatory and market barriers.
Inter corporate deposits
Kingfisher Airlines owes Rs 260 crore to Airports Authority of India for airport infrastructure usage. KFA will pay through an inter-corporate deposit from UB Group. [ICDs are short-term loans between corporations, often at higher interest rates than banks due to risk. They lack collateral but help cash-strapped firms access funds.] Kingfisher will receive an ICD from UB Group to pay its debt to AAI. ICDs are an unsecured source of short-term funds for companies in need, bearing higher interest than bank loans. They are an alternative to bank loans, especially for less creditworthy companies. However, their reliance on corporate relationships limits their availability compared to formal bank financing.
Types of sponsors and investors in project finance
This document discusses types of sponsors and investors involved in project finance. It describes project finance as long-term financing based on projected cash flows rather than balance sheets. Project finance typically involves equity investors known as sponsors and loans from banks or other lenders. Loans are non-recourse and paid from project cash flows rather than sponsor assets. A special purpose entity is usually created to shield other sponsor assets from project failure. Financial structuring seeks to allocate risks optimally between private partners through contractual arrangements.
SFR Bank Presentation
- Summit Financial Resources is a commercial finance company that partners with banks to provide working capital financing to small businesses when the bank cannot.
- They typically provide credit facilities between $100,000 and $3.5 million to companies with annual sales between $1-30 million in a variety of industries.
- Companies need their financing when they are not qualified for bank financing due to risk factors like a weak balance sheet, lack of operating history, or poor financial reporting.
Asset Backed Securitization
The document discusses asset-backed securitization, which involves a special purpose vehicle (SPV) issuing securities backed by a pool of assets like loans or receivables. It outlines the process, key parties (originator, SPV, underwriter), structure of securities (ratings, payment priorities), and benefits like funding new assets and credit enhancement. Regulations for SPVs in Pakistan are also summarized, including eligibility criteria for registration and operating conditions like prohibiting commingling of funds.
The principle of intermediation.ppt copy
Financial intermediation refers to borrowing by economic deficit units from financial institutions in preference to borrowing directly from economic surplus units.
501c3 Municipal Bond Program
This document provides information on real estate acquisition and development/rehab financing for non-profit corporations through municipal bond financing. It explains that non-profits can obtain non-recourse debt financing through unenhanced tax-exempt municipal bonds to purchase and develop qualified projects like affordable housing, schools, and recycling plants. The financing provides a single loan for acquisition, development, and permanent financing with current market rates and 30-year terms. Projects must qualify based on providing a municipal benefit and cash flows supporting debt repayment. Redbridge Development Partners assists non-profits through this financing process.
What's hot (20)
Innovative corporate finance solutions szecskay freshfields am cham 15 septem...
Innovative corporate finance solutions szecskay freshfields am cham 15 septem...
Types of sponsors and investors in project finance
Types of sponsors and investors in project finance
Viewers also liked
HR (human resources)
The Human Resources department handles various functions related to managing employees including hiring, promotions, compensation, benefits, employee development, and addressing performance or conduct issues. Key responsibilities involve meeting the needs of the organization and its employees by recruiting and retaining qualified staff, establishing fair pay and job classifications, administering health and retirement plans, developing workplace policies, and providing advisory support on employment matters. HR aims to support both the company's operational requirements and the needs of its people.
Benefits of financing your biz through a Bank
Getting your business to grow is always the ultimate goal of any business person and getting financial assistance always give it a boost. Find out what specific benefits you can enjoy when you get a loan from a Bank.
Eindpresentatie Revalidatie Assistent
Presentation of a project made by four Interactive Media students from the University of Applied Sciences in Amsterdam.
"The 'revalidatie assistent' (english: rehabilitation assistent) is a home automation installation which allows rehabilitation patients to recover from their injury in the comfort of their own home, while being supervised by a rehabilitation specialist."
Download the Design Document here for more information (in dutch, english version coming soon): bit.ly/fJrPQe
Rutger Blom (rutenroot.nl)
Tim Pistoor
Marcel Pos (wechr.com)
Arantes Whittie (aranteswhittie.nl)
Introduction to financial services 1
The document discusses Uganda's financial services sector. It begins with an overview of the history of banking in Uganda, from the initial four commercial banks at independence to periods of economic breakdown and reforms. It then describes the structure of Uganda's financial sector, divided into four tiers including commercial banks, credit institutions, microdeposit taking institutions, and informal institutions. The roles of key players like the Bank of Uganda, commercial banks, development banks, insurance companies, and the informal sector are outlined. Mobile money is also mentioned as a newer form of financial service.
What I Do Power Point
Includes description of services I provide such as, word processing, database management, resume building, and Gantt charts.
How 2 Face An Interview
The document provides guidance on how to perform well in a job interview. It discusses important parts of an interview like arriving on time, maintaining eye contact, dressing appropriately, and having well-prepared answers for common questions. The document also outlines different types of interview questions and offers tips for a strong closing statement at the end of the interview.
Fundamental of Human Resources Management Training (Kanaidi, SE., M.Si)
This document discusses the changing roles of human resource management. It covers 7 key HR activities including strategic HR management, staffing, compensation and benefits. It describes how the roles of HR are transforming from administrative to more strategic, operational, and employee advocacy roles. New approaches like collaborative HR and increasing use of HR technology are also discussed. The document emphasizes the importance of ethics in HR management.
Fundamentals of Human Resource Management Eighth Edition De Cenzo and Robbins
This chapter discusses the dynamic environment of human resource management. It covers topics like globalization, technology changes, workforce diversity, continuous improvement initiatives, and contingent workers. It emphasizes that HRM must understand these implications and adapt practices accordingly. For example, HRM needs strategies for multilingual and multicultural employees. It also discusses how technology has changed work and affected HRM practices in areas like recruiting, training, and communication. Workforce diversity, work-life balance, labor supply issues, and continuous improvement programs are additional topics covered at a high-level.
Business of Banking
This is a overview of the business of banking, including retail, business and investment banking. We have also included introductions to other financial services like credit cards, credit rating agencies, mutual funds and the business processes used to process loan transactions, credit card payments, and a range of other banking services and products. Useful for anyone who would like an overview of the banking industry. Downloads will be allowed for 30 days. After that you can contact me if you would like the file.
4P strategy
1. The document discusses the 4Ps of marketing - Product, Place, Price, and Promotion. It provides examples of questions to consider for each P.
2. For Product, examples include the product name, its purpose, and key features.
3. For Place, examples cover where to sell the product and who the target customers are.
4. For Price, it discusses strategies for setting an acceptable and profitable price point.
5. For Promotion, it gives advertising and event-based ideas to attract customers and package or promote the product.
Softskill
Soft skills are important for career success. Soft skills include communication skills, teamwork, interpersonal skills, time management, leadership, and professional ethics. Effective communication involves speaking clearly, using appropriate vocabulary, body language, and written communication skills. Presentation skills require planning, preparation, and delivering messages while making eye contact and engaging the audience. Teamwork and interpersonal skills are important for collaborating with others and respecting different views. Managing time well and reducing stress can improve work-life balance.
Customer care n public relations
This document discusses customer care and public relations in the context of English language teaching management. It defines customer care as showing concern for customers and addressing their needs, while public relations aims to build understanding between an organization and external stakeholders. Both roles serve as company representatives. The document notes that students can be viewed as either customers or learners, and examines common customer service problems students encounter. It emphasizes that customer care requires supportive systems, facilities, training and a student-focused approach. References are provided at the end.
Travel Management
This itinerary provides a 3 week family tour of the United States and Mauritius for Mr. and Mrs. Khan and their child. The itinerary includes visits to major cities and attractions in the US such as New York, Niagara Falls, Washington DC, Orlando, San Francisco, Las Vegas, and Los Angeles. The tour then continues on to the island nation of Mauritius. The itinerary outlines the dates of travel, included meals, transportation details, and highlights of each destination.
Marketing plan on Rainbow Pasta
Rainbow Pasta is launching a new pasta business in Bangladesh. They will offer a variety of fresh and dried pasta products at reasonable prices. Their target markets are households, teenagers, and urban areas, which they forecast to grow substantially over the next two years. To succeed, Rainbow Pasta will need to increase brand awareness through promotional activities and provide high quality products at competitive prices to attract customers and gain market share in the developing pasta industry.
Grooming & etiquette men
Grooming is the process of making yourself look neat, attractive and presentable.
for more please visit www.theredcareers.com
Project report
This document provides an overview of an online banking system project. It discusses the objectives of automating banking processes and enabling paperless transactions. It covers the technical components used including Java Server Pages, servlets, and a MySQL database. It presents project schedules using PERT and Gantt charts. System requirements and UML diagrams for use cases, state changes, and system activities are documented. The design considers modules for customer and administrator functions such as account creation, transactions, and profile management.
Fundamentals of Management Lecture, chapter 1
This chapter discusses the key roles and responsibilities of managers. It defines management as carrying out four main functions: planning and decision making, organizing, leading, and controlling resources. Managers at different levels (top, middle, lower) focus on varied tasks. Effective management requires strong interpersonal, informational, and decisional skills. While management draws on science through analytical techniques, it is also considered an art as managers rely on experience and judgment to solve problems.
Travel arrangement
The document discusses making travel arrangements for a boss's business trip. It describes considering the purpose of the trip, desired transportation and lodging, and confirming basic travel details with the boss. Arrangements can be made either through a travel agency, where the agency can help with recommendations and bookings, or by an administrative assistant directly making reservations online or by phone for things like flights, rental cars, hotels, and electronic tickets. Important steps include creating an itinerary, gathering necessary documents, and doing a pre-trip checklist. Additional precautions may be needed for international travel.
The future of customer care
Customer centricity is not easy. Marketing tries to spread a brand message, customer service tries to fullfill the promises.
This presentation proposes a new approach for contact centers, with a focus on value creation instead of on cost cutting.
Office management
Case Study slide presentation on Security Data Protection and Audits in the subject - Office Management.
Viewers also liked (20)
Fundamental of Human Resources Management Training (Kanaidi, SE., M.Si)
Fundamental of Human Resources Management Training (Kanaidi, SE., M.Si)
Fundamentals of Human Resource Management Eighth Edition De Cenzo and Robbins
Fundamentals of Human Resource Management Eighth Edition De Cenzo and Robbins
Similar to Business banking unit7
Lending unit 3
This document discusses various types of lending provided by banks. It begins by outlining the learning outcomes which are to articulate the role of lending in banking, discuss the bank lending cycle, and explain insolvency, bankruptcy and receivership from the lender's viewpoint. The document then covers general principles of lending, the lending process, types of advances like overdrafts, personal and business loans both short and long term, mortgages, leasing, and bill discounting. It provides details on each type of lending product.
Business banking unit1
This document discusses business banking and outlines the learning objectives of Module 4. It will define business customers and their common banking needs, explain types of lending in foreign business transactions and to the agricultural and construction sectors, discuss main forms of business finance in Uganda, and correlate business practices to current situations in the country. The module will cover understanding business customers and their needs, assessing customer needs, lending in different contexts, and alternative sources of business finance. It provides an overview of different types of businesses and their typical financing needs, such as short-term loans, overdrafts, and term loans for working capital and fixed assets.
Source of finance
Introduction of Finance, classification of source of finance according to ownership, period and generation. Define long term financing, medium term financing and also short term financing along with their sources
International business unit1
This document provides an overview of international business and trade finance facilities. It discusses the rationale for international business, key characteristics and challenges. It also explains various trade finance facilities and services offered by banks to facilitate international trade, including letters of credit, bills of exchange, guarantees, and factoring. The roles of important players like exporters, importers, banks and governments are also summarized.
SERVICES OFFERED BY NBFC
The document discusses the various services offered by non-banking financial companies (NBFCs) in India. NBFCs can offer banking services like loans, credit facilities, insurance, money transfers, and retirement planning, though they do not have a banking license. Major products offered by NBFCs include funding for commercial vehicles, infrastructure projects, retail financing, loans against shares, trade financing, and venture capital. In conclusion, NBFCs provide similar financial services to banks but cannot accept deposits, and they aim to be a one-stop-shop for financial needs.
Financial services and institutions
This document provides an overview of financial services and institutions in Pakistan. It discusses various types of financial intermediaries and the structure of Pakistan's banking sector. It also summarizes various banking services including universal banking, correspondent banking, retail banking, private banking, loan syndication, bridging loans, credit cards, and consumer credit. Additionally, it covers credit rating agencies and the credit rating process, money laundering, merchant banking, underwriting, stock brokers, development financial institutions, venture capital, private equity, and other financial concepts.
funding sources.pptx
There are several sources of finance for businesses, including equity shares, preference shares, debentures, loans from banks and financial institutions, and retained earnings. Equity shares are sold to raise capital for the business and preference shares offer a fixed dividend. Debentures are debt instruments that pay a fixed rate of interest. Banks provide short and long-term loans for working capital and other needs. Financial institutions also provide loans after reviewing a business's model and management abilities. Maintaining various sources of finance is important for business operations and growth.
UNIT-2 Sources of Finance.pdf
This document summarizes various types of fund requirements and sources of finance for businesses. It discusses long-term and short-term financial requirements, as well as sources such as shares, debentures, retained earnings, public deposits, bank loans, and trade credit. The key differences between equity shares, preference shares, shares and debentures are highlighted. Short-term financing options like commercial papers, public deposits and trade credit are also summarized. The document concludes with definitions of capitalization and types of capitalization such as over-capitalization.
205 fmbo unit4e
Banks and NBFCs: Types of Banks & NBFCs: Central Bank, Nationalized & Co Operative Banks, Regional Rural
Banks, Scheduled Banks, Private Banks & Foreign Banks, Mudra Bank, Small Finance Banks, Specialized Banks, NBFCs.
Types of Banking: Wholesale and Retail Banking, Investment Banking, Corporate Banking, Private Banking, Development
Banking.
Finance assignment help
The document discusses various types and sources of business finance classified based on period as short term, medium term, and long term finance and based on ownership as owner's funds and borrowed funds. It also explains key concepts in financial management like objectives, decisions around investment, financing, and dividends. Finally, it covers topics such as working capital, capital structure and provides additional resources for further information.
sources_of_business_finance.pptx
The document discusses various sources of business finance including internal sources like retained earnings and equity share capital, and external sources like debentures, term loans, public deposits, commercial banks, lease financing, and special financial institutions. It provides details on each source like their key features, terms, and advantages. Statistical data is also presented on the sources of finance most commonly used. The document aims to provide a comprehensive overview of the different avenues available for businesses to raise funds.
Wholesale banking
Wholesale banking refers to providing banking services to large corporate clients, multinational firms, and other financial institutions rather than individual consumers. It involves borrowing and lending large sums of money. Services offered include savings and checking accounts, loans, underwriting, market making, and mergers and acquisitions advice. Wholesale banks deal primarily with large businesses, real estate developers, mortgage brokers, and other institutional customers.
Introductionto bankingcoursepresentation 200522-110557-converted
This document provides an overview of the banking industry. It defines the main categories of financial institutions as investment banks, retail banks, central banks, and commercial banks. It describes the different types of banks such as universal banks, large banks, investment banks, community banks, online banks, credit unions, building societies, and savings and loans associations. The document also outlines the various banking services provided to different types of clients and how financial institutions generate returns. Finally, it discusses some common banking careers.
Proposal of Mudra Management
Mudra Management is a financial consulting firm that has been operating for 10 years. They help clients obtain loans from banks and financial institutions. They provide various financial services including loan consultancy, document validation, and ethical trade practices. Mudra Management has the necessary permissions to be recognized as one of the best financial consultants in Madhya Pradesh. They prepare fair business dealings to gain long-term satisfied customers. Their experts assist with various finance products and customer service to provide professional and compliant services.
Role of financial intitutions
The document discusses various sources of finance available to companies, including short term, medium term, and long term sources. It also discusses the role of key financial institutions in India, such as the Reserve Bank of India, commercial banks, IDBI, IFCI, and ICICI. These institutions provide loans, underwriting, refinancing, and other services to support industry.
Financial market and institutions
Financial market and institutionsRani Channamma University, Sangolli Rayanna First Grade Constituent College, Belagavi
The document discusses various types of banks and financial institutions in India, including commercial banks, cooperative banks, and non-banking financial companies that provide term lending and working capital financing to industries. It also covers the regulatory framework for banking in India established by the Reserve Bank of India through various acts and policies. The performance of the Indian banking sector is monitored through periodic reports released by the central bank.Business Loan for Your Business
Business loans are a valuable tool for businesses to finance their operations, investments, and expansions.
Sourece of finance ppt
This document discusses various short, medium, and long term sources of finance for businesses. It outlines sources such as equity, debt, retained earnings, loans, and venture capital as owned capital. Medium term sources include preference shares, debentures, bonds, and lease financing. Short term sources include trade credit, working capital loans, fixed deposits, and bill discounting. The document emphasizes that businesses should choose financing sources based on costs and benefits.
Entrepreneurship: sources of finance
This document discusses various sources of finance for businesses, including equity shares, preference shares, debentures, bank loans, venture capital, loans from financial institutions, bridge financing, and international funds. It categorizes the sources as long-term versus short-term and ownership versus borrowed capital. For each source, it provides a brief explanation of what it is and how it can provide capital to businesses.
Introduction to Banking
This document provides an overview of banking, including the different types of financial institutions and banking services. It discusses the four main categories of financial institutions: investment banks, retail banks, central banks, and commercial banks. It then describes eight types of financial institutions in more detail: universal banks, large banks, investment banks, community banks, online banks, credit unions, building societies, and savings and loan associations. The document also outlines various banking services and who the typical customers are for each type of service, including retail banking, private banking, business banking, commercial banking, corporate banking, and investment banking. Finally, it discusses how banks generate returns, including through net interest income, fees and commissions, and it explores key banking concepts like
Similar to Business banking unit7 (20)
Introductionto bankingcoursepresentation 200522-110557-converted
Introductionto bankingcoursepresentation 200522-110557-converted
More from UNBFS
Introduction to financial services 2
The document discusses Uganda's financial services sector. It describes the four tiers of financial institutions in Uganda: (1) commercial banks that take deposits and make loans; (2) credit institutions that also take deposits and make loans; (3) microdeposit-taking institutions (MDIs) that accept small deposits and make small loans; and (4) unregulated institutions like SACCOs that make loans but do not accept deposits. It then provides examples of institutions that fall into each tier and describes their distinguishing characteristics and regulations.
Introduction to financial services 1
The document discusses Uganda's financial services sector. It begins with a historical overview of banking in Uganda, from the initial four commercial banks at independence to periods of economic breakdown and reforms. It then describes the structure of Uganda's financial sector, including the roles of various institutions such as commercial banks, development banks, microfinance organizations, and the Bank of Uganda as regulator. The informal financial sector is also briefly outlined.
The legal environment unit3
This document provides an overview of key Ugandan laws that regulate banking and financial services. It discusses the Financial Institutions Act of 2004, which guides the operation of banks and non-banks and aims to maintain confidence in the financial system. It also covers the Bank of Uganda Act of 2000, which gives the central bank authority to supervise financial institutions. Additional acts discussed include the Bills of Exchange Act regarding negotiable instruments, and the Micro Finance Deposit-Taking Institutions Act of 2003 concerning the regulation of microfinance institutions. The conclusion emphasizes that bankers must understand and conform to relevant legislation in order to properly perform their daily tasks.
The legal environment unit2
This document discusses contract law and its importance in banking. It covers the following key points:
- Contract law is central to banking as banks enter into many contracts with customers for services like opening accounts and providing loans.
- The essential elements of a valid contract are an agreement between parties involving an offer, acceptance, and consideration.
- For a contract to be enforceable it must also meet additional requirements around legality, capacity, consent, and formalities.
- Breach of contract occurs when one party fails to perform according to the terms and the injured party can sue for damages. This is important in banking when mistakes are made processing items like checks.
The legal environment unit1
This document provides an overview of the legal environment module for the Uganda Institute of Banking & Financial Services. It discusses the sources of law relating to financial institutions, including acts of parliament, statutes, and legal principles. It also covers specific topics like contract law, negotiable instruments, and the relationship between banks and their customers. The role of legislation in regulating the banking sector is explained, along with key concepts like the definition of law, the classification of law into public and civil components, and the "Code of Banking" which comprises established practice rules for the industry.
The legal environment unit5
The document discusses the banker-customer relationship under contract law. It defines key terms like banker, customer, and bank. A banker is defined as someone who carries out the business of banking like accepting deposits and honoring checks. A customer is anyone who uses a bank's services, including those without an account. The relationship is a contractual one, with implied rights and duties. Rights of bankers include charging fees and interest, while duties include keeping information confidential and honoring valid checks. The contract can end through termination by either party, by operation of law like death, or after reasonable notice from the bank.
The legal environment unit5 copy
This document discusses the banker-customer relationship under contract law in Uganda. It begins by defining key terms like "banker", "customer", and "banking". A banker is defined as someone who carries out the business of banking, such as accepting deposits and honoring withdrawals. A customer is anyone who enters an agreement with a bank for services.
The relationship between a banker and customer is described as contractual, with implied rights and duties. General contract law principles apply. When opening an account, banks must verify a customer's identity and obtain signatures or mandates authorizing transactions. Both bankers and customers have legal rights and duties in the contract, such as bankers having the right to charge fees and customers having the duty to
The legal environment unit4
This document discusses negotiable instruments and bank cheques. It defines negotiable instruments as documents used in commerce to secure payment of money. Cheques are specifically defined as written promises by the drawer for the bank to pay the payee on demand. The key parties to a cheque are the drawer, drawee (bank) and payee. Features of a cheque include the cheque number, sort code, account number and crossing lines instructing the bank to deposit funds in the payee's account rather than paying in cash. Negotiable instruments must bear the maker's signature, include an unconditional promise to pay a fixed sum, specify a payment on demand or at a definite time, and be payable to order or to bear
Economic environment unit3
This document discusses pricing mechanisms and concepts from an economics perspective. It defines pricing as the process of determining the cost for goods and services based on factors like production costs, competition and demand. It then describes price mechanisms as how buyers and sellers negotiate prices based on supply and demand through mutual exchanges. Finally, it outlines three key functions of price mechanisms: 1) they act as signals to producers about supply and demand, 2) they transmit consumer preferences to producers, and 3) they provide incentives for producers and consumers to change their behavior in response to price changes.
Economic environment unit2
Banks play an important role in the economy by serving as financial intermediaries. They accept deposits from savers and pool those funds to provide credit to borrowers, either directly through lending or indirectly by investing in capital markets. This transfers funds from those with surplus money to invest to those who need to borrow funds. Commercial banks also facilitate national and international trade by transferring funds, which is key to the functioning of the economy. Banks include central banks that implement monetary policy, commercial banks that accept deposits and provide credit, savings banks for lower income savers, and development banks that lend to new businesses.
Economic environment unit8
This document discusses environmental conservation and its relationship to economics. It begins by defining economics and the environment. It then outlines global trends in increasing priority given to environmental protection, including frameworks like the UNFCC and Kyoto Protocol. For Uganda specifically, the document notes that environmental sustainability is a strategic objective in development plans but the country has not performed well on related MDG measures. It emphasizes that Uganda's prosperity relies on biodiversity that faces threats. Finally, it describes the interrelationship between the environment and economics, noting the environment supplies resources and economic prosperity relies on it.
Economic environment unit7
The document discusses international trade and regional economic integration in Africa. It provides details on several major regional economic communities in Africa, including COMESA and the East African Community (EAC). COMESA aims to promote economic development and trade by removing barriers between member states. Its goals include establishing a free trade area and eventually a common market and monetary union. The EAC also seeks to deepen economic and political integration between its members through cooperation in areas like trade, infrastructure, and security. Both organizations aim to boost intra-regional trade and investment through gradual economic harmonization and coordination between states.
Economic environment unit6
The document discusses the role of government in regulating economic activity and maintaining stable market conditions. It describes how governments establish legal frameworks, regulate industries like banking, implement fiscal and monetary policies to influence economic growth and inflation, redistribute resources, and address externalities. Specifically, it outlines the government's role in regulating general business interactions and specific industries, using policies like taxation and money supply management to guide economic stabilization, and providing services that markets do not.
Economic environment unit5
The document discusses different types of business organizations including sole proprietorships, partnerships, limited liability companies, and cooperatives. It provides details on the key advantages and disadvantages of each type. Sole proprietorships are easy to establish but the owner bears all financial risks, while partnerships allow for more capital but partners have unlimited liability. Limited liability companies provide protection of personal assets but involve more legal formalities. Cooperatives make it easier to raise capital from members but with less personal control over business decisions.
Economic environment unit4
This document discusses inflation, including its definition, causes, effects, and methods of control. Inflation is defined as a rise in the general level of prices for goods and services in an economy over time, which causes a loss of purchasing power. Common causes of inflation include increases in production costs, demand, money supply, and imported goods prices. Effects can be both positive, like encouraging investment, and negative, like uncertainty reducing investment. Controlling inflation involves monetary policy through central banks targeting low interest and inflation rates.
Economic environment unit1
This document provides an overview of key economic concepts and the economic environment. It begins by explaining the objectives of the module which are to explain the economic environment, basic economic concepts, micro and macroeconomics, and different economic situations and their causes. It then defines several important economic terms and concepts such as scarcity, resources, supply, demand, market equilibrium, production, cost, efficiency, and opportunity cost. It also distinguishes between microeconomics and macroeconomics and explains economic indicators like economic growth, inflation, employment, and unemployment.
Lending unit 9
The document discusses lending, insolvency, receivership, and bankruptcy from the perspective of banks and lenders. It covers the typical lending cycle and key issues at each stage. Acts of bankruptcy under Ugandan law are outlined, including conveyance of property to trustees or fraudulent transfers. The implications of receivership are summarized, such as the receiver taking charge of the borrower's affairs and replacing management. Finally, the duties of a receiver and effects of bankruptcy are briefly explained, such as proof of debts by creditors and priority of certain debt types in distribution of the bankrupt's property.
Lending unit 8
The document discusses lending in the banking business and concepts related to insolvency. It begins by outlining the learning outcomes which are to articulate the role of lending, discuss the bank lending cycle, and explain insolvency, bankruptcy, and receivership. It then provides definitions of key terms like insolvency, receivership, and bankruptcy. Finally, it lists 11 signs that can indicate a business or individual is insolvent, such as continuing losses, current liabilities exceeding assets, unpaid taxes, and suppliers requiring cash-on-delivery or special payments. The document aims to explain these lending and insolvency concepts to banking and financial services students.
Lending unit 7
This document discusses lending in the banking business. It covers general principles of good lending, the typical lending cycle, and remedies for defaulting borrowers. Delinquency or default refers to a borrower failing to pay installments on time. Causes of delinquency include inability to pay, business failure, adverse economic conditions, willful default, death, inappropriate loan terms, and bankruptcy. Managing delinquency involves preventing late payments through proper underwriting and tailoring loans to borrowers' needs. It also involves solving existing delinquencies through measures ranging from contact and rescheduling to seizing and selling collateral.
Lending unit 5
This document discusses different types of lending in the banking business. It defines corporate lending as lending to companies and institutions that are separate legal entities, while retail lending refers to lending to individuals and small businesses. The key differences between corporate and retail lending are loan amounts, who signs contracts and bears liability, and complexity. Requirements for corporate lending include the company being incorporated and having authority to borrow, while requirements for retail lending include the borrower being an adult of sound mind and having debt repayment capacity. Mortgage lending is also discussed as a specialized type of lending secured by property.
More from UNBFS (20)
Recently uploaded
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
Digital Marketing with a Focus on Sustainability
Digital Marketing best practices including influencer marketing, content creators, and omnichannel marketing for Sustainable Brands at the Sustainable Cosmetics Summit 2024 in New York
DearbornMusic-KatherineJasperFullSailUni
My powerpoint presentation for my Music Retail and Distribution class at Full Sail University
TIMES BPO: Business Plan For Startup Industry
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
How to Start Up a Company: A Step-by-Step Guide Starting a company is an exciting adventure that combines creativity, strategy, and hard work. It can seem overwhelming at first, but with the right guidance, anyone can transform a great idea into a successful business. Let's dive into how to start up a company, from the initial spark of an idea to securing funding and launching your startup.
Introduction
Have you ever dreamed of turning your innovative idea into a thriving business? Starting a company involves numerous steps and decisions, but don't worry—we're here to help. Whether you're exploring how to start a startup company or wondering how to start up a small business, this guide will walk you through the process, step by step.
Best practices for project execution and delivery
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
The Genesis of BriansClub.cm Famous Dark WEb Platform
BriansClub.cm, a famous platform on the dark web, has become one of the most infamous carding marketplaces, specializing in the sale of stolen credit card data.
Top 10 Free Accounting and Bookkeeping Apps for Small Businesses
Maintaining a proper record of your money is important for any business whether it is small or large. It helps you stay one step ahead in the financial race and be aware of your earnings and any tax obligations.
However, managing finances without an entire accounting staff can be challenging for small businesses.
Accounting apps can help with that! They resemble your private money manager.
They organize all of your transactions automatically as soon as you link them to your corporate bank account. Additionally, they are compatible with your phone, allowing you to monitor your finances from anywhere. Cool, right?
Thus, we’ll be looking at several fantastic accounting apps in this blog that will help you develop your business and save time.
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka Indian satta Matka Dpboss Matka Kalyan Chart Matka Boss otg matka Guessing Satta Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
Sattamatka.satta.matka.satta matka.kalyan weekly chart.kalyan chart.kalyan jodi chart.kalyan penal chart.kalyan today.kalyan open.fix satta.fix fix fix Satta matka nambarBest Forex Brokers Comparison in INDIA 2024
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
2024-6-01-IMPACTSilver-Corp-Presentation.pdf
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Industrial Tech SW: Category Renewal and Creation
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka➒➌➎➏➑➐➋➑➐➐Dpboss Matka Guessing Satta Matka Kalyan Chart Indian Matka
9356872877Sattamatka.satta.matka.satta matka.kalyan weekly chart.kalyan chart.kalyan jodi chart.kalyan penal chart.kalyan today.kalyan open.fix satta.fix fix fix Satta matka nambar.❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...❼❷⓿❺❻❷❽❷❼❽ Dpboss Kalyan Satta Matka Guessing Matka Result Main Bazar chart
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Final ank Satta Matka Dpbos Final ank Satta Matta Matka 143 Kalyan Matka Guessing Final Matka Final ank Today Matka 420 Satta Batta Satta 143 Kalyan Chart Main Bazar Chart vip Matka Guessing Dpboss 143 Guessing Kalyan night The latest Heat Pump Manual from Newentide
𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
Explore the details in our newly released product manual, which showcases NEWNTIDE's advanced heat pump technologies. Delve into our energy-efficient and eco-friendly solutions tailored for diverse global markets.
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
On episode 272 of the Digital and Social Media Sports Podcast, Neil chatted with Brian Fitzsimmons, Director of Licensing and Business Development for Barstool Sports.
What follows is a collection of snippets from the podcast. To hear the full interview and more, check out the podcast on all podcast platforms and at www.dsmsports.net
Recently uploaded (20)
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
HOW TO START UP A COMPANY A STEP-BY-STEP GUIDE.pdf
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...
The Genesis of BriansClub.cm Famous Dark WEb Platform
The Genesis of BriansClub.cm Famous Dark WEb Platform
Top 10 Free Accounting and Bookkeeping Apps for Small Businesses
Top 10 Free Accounting and Bookkeeping Apps for Small Businesses
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Satta Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
Dpboss Matka Guessing Satta Matta Matka Kalyan panel Chart Indian Matka Dpbos...
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
Dpboss Matka Guessing Satta Matta Matka Kalyan Chart Indian Matka
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
❼❷⓿❺❻❷❽❷❼❽ Dpboss Matka Result Satta Matka Guessing Satta Fix jodi Kalyan Fin...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Brian Fitzsimmons on the Business Strategy and Content Flywheel of Barstool S...
Business banking unit7
- 1. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED Understanding the Business Customer Understanding the Customer’s Business Assessing Customer Needs Lending in Foreign Business Transactions Financing Property Developers and Contractors Financing Agricultural Projects MODULE COVERAGE 1 Alternative Sources of Business Finance
- 2. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED 2 Type of financing Typical products Long term Long term loans (5 years or longer) for equipment, plant, buildings, project development etc Finance leases lasting longer than 5 years Equity finance Mortgages lasting 5 years or longer Corporate bonds issued by the business, with a maturity of 5 years or more Medium term Medium term loans (<5 and > 1 year) Leases of up to 5 years Corporate bonds maturing between 1 and 5 years Mortgage loans of between 1 and 5 years Short term Short term loans; one year or less Bank overdrafts
- 3. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED Sources of business finance • Most business people start with their own capital, however meager. Once in business, then they need external financing to grow. The grid table below summarizes the main sources of the various types of business finance in Uganda. • Business banking, also known as commercial banking, occurs when a bank, or a division of a bank, only deals with businesses. A bank that deals mainly with individuals is generally called a retail bank, while a bank that deals with capital markets is known as an investment bank. • In the past, investment banks and retail/commercial banks had to be separate entities, but now a single bank can deal with business banking, retail banking and investment banking. This makes the banks a “one stop centre” for business clients. 3
- 4. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED 4 Institutional type Long term Loans Medium term Loans Short term loans Overdrafts Equity Leasing Other forms of finance Commercial banks Development banks Credit institutions MDIs Microfinance Institutions NSSF Leasing / HPCs Offshore equity investors International investors
- 5. THE UGANDA INSTITUTE OF BANKING & FINANCIAL SERVICES UIBFS ISO 9001:2008 CERTIFIED END 5
Editor's Notes
- By the end of this unit, the students should be able to: Differentiate between short, medium and long term sources of business finance Explain the main sources of business finance in Uganda.
- Types of business finance For the purpose of this course, we divide the sources of business finance into three: long, medium and short term. Long term financing refers to financing for longer than five years; medium term refers to periods longer than a year and less than five years, and short term to periods of up to one year.
- Most business people start with their own capital, however meager. Once in business, then they need external financing to grow. The grid table below summarizes the main sources of the various types of business finance in Uganda. Table : Sources of business finance in Uganda.