Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
Topics include components of a credit policy, steps used in establishing a credit policy, how a credit policy is implemented, types of credit policies, components of a credit manual, etc.
Digital Financial Services for Financial InclusionJohn Owens
This presentation highlights some of the digital financial service trends, policy and regulatory issues and examples of digital financial services and the role it plays in financial inclusion in various countries in the Asia Pacific region.
This was the opening session of the panel on digital financial services and financial inclusion during the Asia Pacific Regional Forum on Universal Access and Services and Broadband Deployment 2015 in Bangkok, Thailand.
Youtube Video Link - https://youtu.be/AJsUYo2GqvE
Banks need to recover the money lent to the borrowers. In case the funds lend becomes npa; it hampers whole banking business and decrease profitability.
“Recovery” is defined as the process of regaining and saving something lost and “Management” is the process of planning, organizing and controlling activities to achieve the objectives of business efficiently.
Recovery Management is thus concerned with designing and implementing a collection of strategy to recover the debts without losing customers.
Recovery measures could be legal and non-legal :- Banks could adopt legal measures to recover loans by filing a suit in civil court or filing an application before the DRTs. Before taking legal actions banks generally give frequent reminders by calls, messages, mails and visit to borrower’s place which is considered as non-legal measures without intervention of court.
Major reasons behind defaults :- Lack of credit evaluation, Inadequacy of collateral security/ equitable mortgage against loan, Lack of follow up measures, Default due to natural calamities etc.
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Presenting this set of slides with name - Credit Unions Powerpoint Presentation Slides. This PPT deck displays fourty two slides with in depth research. Our topic oriented Credit Unions Powerpoint Presentation Slides presentation deck is a helpful tool to plan, prepare, document and analyse the topic with a clear approach. We provide a ready to use deck with all sorts of relevant topics subtopics templates, charts and graphs, overviews, analysis templates. Outline all the important aspects without any hassle. It showcases of all kind of editable templates infographs for an inclusive and comprehensive Credit Unions Powerpoint Presentation Slides presentation. Professionals, managers, individual and team involved in any company organization from any field can use them as per requirement.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
Topics include components of a credit policy, steps used in establishing a credit policy, how a credit policy is implemented, types of credit policies, components of a credit manual, etc.
Digital Financial Services for Financial InclusionJohn Owens
This presentation highlights some of the digital financial service trends, policy and regulatory issues and examples of digital financial services and the role it plays in financial inclusion in various countries in the Asia Pacific region.
This was the opening session of the panel on digital financial services and financial inclusion during the Asia Pacific Regional Forum on Universal Access and Services and Broadband Deployment 2015 in Bangkok, Thailand.
Youtube Video Link - https://youtu.be/AJsUYo2GqvE
Banks need to recover the money lent to the borrowers. In case the funds lend becomes npa; it hampers whole banking business and decrease profitability.
“Recovery” is defined as the process of regaining and saving something lost and “Management” is the process of planning, organizing and controlling activities to achieve the objectives of business efficiently.
Recovery Management is thus concerned with designing and implementing a collection of strategy to recover the debts without losing customers.
Recovery measures could be legal and non-legal :- Banks could adopt legal measures to recover loans by filing a suit in civil court or filing an application before the DRTs. Before taking legal actions banks generally give frequent reminders by calls, messages, mails and visit to borrower’s place which is considered as non-legal measures without intervention of court.
Major reasons behind defaults :- Lack of credit evaluation, Inadequacy of collateral security/ equitable mortgage against loan, Lack of follow up measures, Default due to natural calamities etc.
Thank You For Watching
Please Subscribe To DevTech Finance
Presenting this set of slides with name - Credit Unions Powerpoint Presentation Slides. This PPT deck displays fourty two slides with in depth research. Our topic oriented Credit Unions Powerpoint Presentation Slides presentation deck is a helpful tool to plan, prepare, document and analyse the topic with a clear approach. We provide a ready to use deck with all sorts of relevant topics subtopics templates, charts and graphs, overviews, analysis templates. Outline all the important aspects without any hassle. It showcases of all kind of editable templates infographs for an inclusive and comprehensive Credit Unions Powerpoint Presentation Slides presentation. Professionals, managers, individual and team involved in any company organization from any field can use them as per requirement.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
The process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost” in a fair and transparent manner by mainstream institutional players”
The Committee on Financial Inclusion
(Chairman: Dr. C. Rangarajan, 2008)
In advanced economies, Financial Inclusion is more about the knowledge of fair and transparent financial products and a focus on financial literacy.
In emerging economies, it is a question of both access to financial products and knowledge about their fairness and transparency.
The presentation is on the topic "UNIVERSAL BANKING"
IT INCLUDES :-
# All the information related to the universal banking system
# Its functions and the services that it provides
# The benefits that it provides to us
# Are there any negative impacts of universal banking ?
# Universal banks vs Commercial banks
# List of some universal banks
# Some universal banks in India
# Guidelines of RBI for universal banks
# Future Trends
THANKYOU EVERYONE FOR WATCHING IT
يرجع ظهور الاعتمادات المستندية الي القرن الماضي، حيث قامت البنوك بالتدخل في عمليات التبادل التجاري الدولي بواسطة فتح الاعتمادات المستندية، وقد تم وضع القواعد المنظمة للاعتمادات المستندية بالولايات المتحدة الامريكية عام 1920،
The impact of technology on the real & financial world around the central banks
-E-governance
-Choice of channels , confidence and convenience to the end-user
-Efficiency
-Facilitating growth of products & services
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
An investment bank is a financial institution that assists individuals, corporations, and governments in raising financial capital by underwriting or acting as the client's agent in the issuance of securities (or both).
The process of ensuring access to financial services and timely and adequate credit where needed by vulnerable groups such as weaker sections and low income groups at an affordable cost” in a fair and transparent manner by mainstream institutional players”
The Committee on Financial Inclusion
(Chairman: Dr. C. Rangarajan, 2008)
In advanced economies, Financial Inclusion is more about the knowledge of fair and transparent financial products and a focus on financial literacy.
In emerging economies, it is a question of both access to financial products and knowledge about their fairness and transparency.
The presentation is on the topic "UNIVERSAL BANKING"
IT INCLUDES :-
# All the information related to the universal banking system
# Its functions and the services that it provides
# The benefits that it provides to us
# Are there any negative impacts of universal banking ?
# Universal banks vs Commercial banks
# List of some universal banks
# Some universal banks in India
# Guidelines of RBI for universal banks
# Future Trends
THANKYOU EVERYONE FOR WATCHING IT
يرجع ظهور الاعتمادات المستندية الي القرن الماضي، حيث قامت البنوك بالتدخل في عمليات التبادل التجاري الدولي بواسطة فتح الاعتمادات المستندية، وقد تم وضع القواعد المنظمة للاعتمادات المستندية بالولايات المتحدة الامريكية عام 1920،
The impact of technology on the real & financial world around the central banks
-E-governance
-Choice of channels , confidence and convenience to the end-user
-Efficiency
-Facilitating growth of products & services
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
An investment bank is a financial institution that assists individuals, corporations, and governments in raising financial capital by underwriting or acting as the client's agent in the issuance of securities (or both).
Is your student heading off to college soon, then this presentation is for them. Help them learn the basics of starting out on their own. Part of Floyd Saunders' Personal Money Management seminar, covering the cost of moving, renting, signing a lease, living on a budget. It is all here.
Here's the guidance you need to handle credit better. Unit four of Floyd Saunders' Personal Money Management Workshop. Perfect for college students and other young people, leaving home for the first time and just getting started with their personal finances. Contact Floyd Saunders for the leader's guide and student workbooks.
A complete introduction to investment companies, including mutual funds, exchange traded funds. Based in part on material in my book: "Figuring Out Wall Street". A part of a continuing series on the financial services industry. We develop and present custom training for the financial services industry, contact us for a quote.
Managing your credit cards can be important in your quest to be responsible with your money. Floyd Saunders' Personal Money Management Workshop provides an introduction to managing your money and is targeted to college students and the first time user of credit cards. The workshop includes a leader's guide and student workbook, contact Floyd Saunders for details.
Young & Free is a movement dedicated to attracting the next generation of credit union members. This presentation is an update on the progress made by early 2010.
Tools for Young Credit Union Professionals 2008Joshua Jones
Tag team presentation with Christopher Morris during the 2008 Louisiana Credit Union League Annual Meeting. Good review of resources available to help young credit union professionals succeed and make a difference.
73% of Credit Unions Have Died but There’s More Opportunity Than EverBloomCU
"73% of Credit Unions Have Died but There’s More Opportunity Than Ever" is a CU Executive Briefing that shares insights about the industry and how leaders can capitalize on the growth opportunity in front of them.
Webinar: The Lending Opportunity of a Generation, March 9, 2016project-equity
Slides from a webinar co-hosted by Cooperative Fund of New England, Democracy at Work Institute and Project Equity in March 2016 talking about the lending opportunity of worker coop conversions.
For more information, and to view a recording of the webinar:
http://www.project-equity.org/events-and-webinars/webinar-lending-opportunity-of-a-generation-030916/
5 Most Dangerous Trends Facing Credit UnionsStephen Jones
We commissioned an independent study on the 5 Most Dangerous Trends Facing Credit Unions in 2008 and 2009.
We uncovered several astonishing trends, and captured the Top 5 for you in this powerfully-compelling Executive Briefing.
A concise overview of the retail banking business in the United States. Part of a continuing series of presentations on the financial services industry.
More than half of all small business used some kind of business credit last year as working capital. Find out how you can manage exposure. Get solutions for your cash flow needs from Christine Janklow, president, SettleSource, Inc. and David Gass. president, Earn.com. Learn more at http://bit.ly/aHxjc0 .
This presentation covers the credit card business and highlights the many different types of credit cards available, how credit cards are processed and the major credit card issuers.
10 benefits of applying for personal loans onlinePrateek Agarwal
A purchaser advance may help you might be strapped for money. Many banks and loaning organizations are putting forth fund to potential advance searchers with alluring rates of premium, adaptable reimbursement choices, and the accommodation of online administrations so it’s now easy to apply for personal loan online. These points of interest are making shopper credits an exceptionally mainstream choice among borrowers.
Mortgage Banking Seminar is part of the continuing series of training presentations for the Financial Services Industry. Check out our other presentations in this series and contact Saunders Learning Group if you have training needs. We can help, we have been doing training in the financial services industry for 30 years.
Very efficiently written information. It will be beneficial to anybody who utilizes it, including me. Keep up the good work. For sure i will check out more posts. This site seems to get a good amount of visitors.
Louisiana Small Business Loans – Get Approved For Small Business Financing dhamza
Are you looking for a loan for your commercial vehicle? If yes, then you should consider applying for commercial vehicle financing. The process of obtaining business loans for vehicles is quite simple. However, there are certain factors that you need to keep in mind while applying for a commercial vehicle loan.
If you are planning to buy a new commercial vehicle, then you should apply for commercial vehicle financing before buying the vehicle. It is because the finance company will give you a better rate of interest if you apply for a commercial vehicle loan before purchasing the vehicle.
16 reasons rich people are better at managing their money and what you can do to change how you think about your money. This presentation is based on the book "The Millionaire Mind". Rich people have perhaps many advantages, but most millionaires are just average people who think about money in different ways that the rest of us.
Investing can be simple, one way is buy a single share of stock and then invest more on a monthly basis, invest the dividends and over time your money will grow.
At ReallySimpleInvesting.com we work every day to bring you personal financial educational materials you can use to increase your financial security. Check us out at: www.reallysimpleinvesting.com
Getting Started with Financial Security Module 1 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Make Your Money Work Harder Than You Do Module 2 Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Securing Your Financial Base Module 4 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Financing Your Future Module 5 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
he seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Evaluating Your Investments Module 8 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Passing Your Wealth On - Module 10 of Family Financial Freedom Floyd Saunders
The seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases). You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
College is expensive, no doubt about it. But you can make it more affordable following the tips and ideas in this, the fifth module of the Affording College Now workshop. Based on materials from the book, "College Without Ramen Noodles".
A workshop leader's guide is available, just contact us.
So you want to go to college! But college is expensive, what to do? For most students financial aid is a part of the package to make college affordable. In this module of the Affording College Now Seminar, we cover all of the sources of financial aid. A Leader's Guide is available if you would like to present this workshop, just contact us.
Affording college module 3 saving for collegeFloyd Saunders
The cost of college is increasing faster than almost any of expenses and student debt is a record high levels. What's the alternative? Savings and investing in the right accounts. Learn more about how you can increase the changes you can save for college expenses and afford college. Part three of our workshop. Leader's guide available if you want to present this program. contact us.
Affording college module 2 cost of collegeFloyd Saunders
College is expensive. For many families it is one of the most expensive investments they will make. With student debt crossing over one trillion dollars, every parent and potential college student is concerned about the cost of college. This presentation is a part a workshop series based on the book, "College Without Ramen Noodles, A Guide to Affording College. In additional to the presentation a leader's guide is available. Should you wish to set-up a workshop contact me for details.
Affording College Module 1 why Go To College Floyd Saunders
Is College part of your future? Can you Afford College? Should you even consider college?
In Module One of this workshop, we explore why going to college is a great idea for your future and then some alternatives to starting college right away. Materials are based on my book, "College Without Ramen Noodles, A Guide to Affording College Now." Schedule a workshop now or ask for seminar materials including a leader's guide.
Now you can learn the 12 golden rules of investing success. This is something that all most anyone can learn and apply to achieve greater financial security. Start with the basics and learn all the rules followed by successful investors. You can do this. The presentation is available for purchase from Scribd https://www.scribd.com/doc/241726833/The-12-Golden-Rules-of-Investing
Just the straight facts about raising the minimum wage. There are a lot of myths and frankly misinformation out there about increasing the federal minimum wage in the United States. This presentation just provides some facts about the issue for you to consider.
Ever wonder how people manage to become millionaires? Hint most don't inherit wealth, most don't life a lifestyle that is beyond their means. Play the Millionaire Game and learn the secrets of the rich and almost rich.
Life Insurance Basics provides an overview of most of the types of life insurance products available today and reviews the basics of policies, contracts, beneficiaries and how to buy life insurance. Part of the continuing series of presentations in the Financial Services Industry Training. Contact us if you need training developed for your organization.
Annuity Basics is part of our continuing series of presentations for Financial Services Industry Training. We develop custom training specific to the financial services industry. Contact us for a quote or discussion of your needs.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
1. Financial Services Industry Training
Overview of
Credit Unions
The Alternative to Banks
Saunders Learning Group, LLC
Saunders Learning Group, LLC, Andover, KS
2. Training from Saunders Learning Group
Saunders Learning Group provides a variety
of training programs, workshops and
seminars targeted to the financial services
industry.
Programs are available in a wide range of
topics, and we are specialists in developing
custom programs that are targeted to your
needs.
Contact the founder, Floyd Saunders at
316-680-6482 or at
floyd@floydsaunders.com for more
information.
Saunders Learning Group, LLC, Andover, KS
1
3. Advantages of Credit Unions
Customers are owners
The owners and customers are one in the
same. Any decisions about fees, products
and services benefit everyone.
Credit unions are non-profit
Any profits from operations are returned
to the owners/members in the form of
dividends.
Lower fees and higher savings rates
Free accounts with no or low minimum balance requirements
Interest rates on savings, certificates of deposit etc. are typically better
than at a bank
Interest rates on loans and credit are often lower
Because a credit union does not have to make a profit like a bank, it can
typically offer lower rates on loans and credit cards.
Saunders Learning Group, LLC, Andover, KS 2
4. Disadvantages of Credit Unions
Limited Branch Locations and ATMs.
Many credit unions only operate in one location.
But may be part of an ATM network
Most Are Insured, but Not All.
Like banks and the FDIC, a federal credit union is also insured by the U.S.
government. The National Credit Union Administration, but not credit unions
are insured. Look for the name “Federal” as this would indicate they are
chartered by the NCUA and insured. When in doubt, ask.
Fewer Services.
Credit unions don’t offer the wide array of services that full-service banks do.
If you need a large commercial mortgage loan, for example, your local credit
union may not be able to provide you with one.
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5. Credit Unions
Credit Unions are similar to banks, except for the
following differences:
Credit Unions are member owned. Each
depositor is issued shares of ownership based
on deposits held
Profits are returned to the members in the
form of dividends to their savings account
Interest rates at credit unions are typically less
than at banks for loans, due to their non-
profit, member owned status.
Credit Unions offer customers many of the
same products and services as retail banks.
Credit Unions are formed by the members
having a common interest (working at the
same company for example).
Credit Unions are chartered and regulated by
the National Credit Union Administration.
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6. Trends in the Credit Union Market
While the number of credit unions have declined in the financial crisis, they are a force that serves the needs of its
members. Loan growth has started to increase as the financial crisis of 2008-09 fades.
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7. More Consumers are Turning to Credit Unions
Year over year growth in core deposits at credit unions came in at 14.6% in
2011
Consumers voted with their feet as they left banks set on charging even more fees to their
customers and moved money to credit unions.
Credit unions first mortgage market share is at a high point with 6% of market share in 2011.
Saunders Learning Group, LLC, Andover, KS 6
8. Credit Unions
Function Provides consumers with a wide range of banking products and services designed
to meet the needs of a varied customer base.
Acceptance of deposits in to checking and savings accounts
Transaction processing for deposit accounts
Issues credit cards and processes merchant transactions, payment processing
Arranges safe deposit boxes for customers
Example Sells certificates of deposit, retirement accounts
Activities Provides for transfer of funds
Provides banking via ATM machines and mobile devices
Arranges a variety of personal loans
May also process applications for mortgage loans
Example Credit Unions perform similar functions, provide most of the same
Companies products and services as banks. The largest include the Navy Federal and
Pentagon Federal Credit Unions, State Employees (North Carolina) and The
Golden 1 Credit Union in Calif.
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10. Types of Accounts
1. Checking accounts are a type of deposit account for the purpose of
securely providing access to funds on demand, via checks, ATM
transactions, and transfers of funds.
2. A deposit account is a savings account, money market or time deposit at
a bank that allows money to be deposited and withdrawn by the account
owner (s).
Also referred to a Savings Deposit Account (SDA).
3. Money market accounts is a deposit account with a higher rate of
interest paid for higher balances.
4. Time Deposit Account (TDA) is a deposit account that cannot be
withdrawn for a fixed period of time, unless an early withdraw fee is
paid. In most cases the longer the term of deposit the better the yield
on the deposit.
5. Transactions are recorded on the bank’s books and the resulting balance
is reflected as a liability for a bank on it’s books.
6. Some credit unions may charge fees for services, and in most cases the
credit unions will pay the customer interest on funds deposited.
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11. Automatic Teller Machines or ATMs
An automated teller machine (ATM),is a telecommunications devices used to store and dispense
cash, allow account holders access to accounts and to perform a variety of financial transactions
including transfer of funds, payments, and cash advances on credit cards.
Many credit union-issued ATM cards are linked to the Credit Union 24 or Co-Op ATM network,
which eliminates surcharge fees for credit union members. These ATMs are located frequently
traveled locations such as 7-Eleven, Costco and Walgreens across the country.
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12. Online Banking
Consumers use online banking to check balances, pay bills and transfer funds.
Credit Unions that provide online banking can reduce processing costs and provide a wide
range of services to customers 24 hours day from anywhere.
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13. Online Banking
Online banking is more than 1/3 of the transaction volume at most banks and credit unions.
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14. Mobile Banking – Growing Rapidly
Customers do banking on their mobile devices
87% of Americans have a mobile phone, half of those are smart
phones
21% of mobile phones users have done mobile banking in 2012,
double the rate from 2011
30% of banking customers will use mobile banking by 2013
The Fed pulled together all the survey numbers and concludes
that at least one in three American banking customers who own a
smartphone will engage in mobile banking by 2013.
The most common use of mobile banking is to check account
balances or recent transactions (90% of mobile banking users).
Transferring money between accounts is the second-most
common use of mobile banking (42% of mobile banking users).
The primary reason why mobile phone users had not yet adopted
mobile banking was that they felt their banking needs were being
met without the use of mobile banking (58%).
62% of the under banked who use mobile payments have used it
to pay bills.
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15. Typical loan decision process
Customer Bank
Loan application performs Yes Loan docs
requests a Credit prepared
is completed credit
loan (could be online)
Decision
analysis
Credit No
Report inform customer
Employment
Verification
Customer Bank Bank
prepares Bank
signs verifies Loan systems
accounting funds loan Loan serves
loans documents entries updated
This generalized process is followed for all loan types, with different loans requiring more documentation
or verification. For example a loan secured by real estate needs an appraisal to set the value of the
property. Inventory financing might need to be secured by a lien on the inventory. Title to an auto would
be retained by the bank until the loan is paid off etc.
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19. About the Author/Presenter
Floyd Saunders has worked on Wall Street
with both Bank of America and JPMorgan,
where is was a vice president in global
financial systems. He has worked across the
industry in retail, commercial, and
investment banking.
He has taught courses in Money and Banking
and extensively for the American Institute of
Banking and various colleges.
As a consultant, he developed and taught a
wide range of banking and investing courses.
He authored three programs for the
American Bankers Association: Banking on
Mutual Funds and Annuities, Introduction to
Securities Markets and Investing in Securities.
He is the author of “Figuring Out Wall Street”
and his next book is “Family Financial
Freedom” a book on personal money
management.
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20. Reference Material
Figuring Out Wall Street Consumer’s Guide To
Financial Markets
By Floyd Saunders
Publisher: Saunders Learning Group
ISBN: 978-0-9824019-0-3
Available from Amazon:
http://www.amazon.com/Figuring-Out-Wall-Street-
Consumers/dp/0982401906
and many other online book stores.
Book summary: Figuring Out Wall Street, is the
concise guide to help everyone understand how what to do
now to restore our financial systems. Written in an easy to
understand manner, even the most complex financial
concepts are easy to digest. This book provides help to
monitor investments with a review of investment products,
financial regulators and economic indicators. Learn how the
stock market exchanges work and the world of investment
banking, hedge funds, venture capital and private equity.
Every chapter includes action plans for investing.
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