+Credits and loans.pptx
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Credit is a legal agreement to receive cash, goods, or services now and pay for them in the future. The document discusses different types of credits including credit cards, installment loans like auto and mortgage loans, student loans, and microcredits. It also defines a co-signer as someone who agrees to be responsible for loan payments if the borrower fails to make them. The advantages of credits are listed as convenience, not needing cash, bonuses and points, helping with reservations, and being immediate. The disadvantages include that it is a loan requiring interest payments and fees, and can promote overspending and impulse purchases and identity theft.
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FS&I Consumer finance for MBA and PGDM students.pptx
A secured loan requires collateral, such as a home or car, that the lender can seize if the borrower defaults. Common types of secured loans are mortgages and car loans. An unsecured loan does not require collateral, and lenders approve them based on a borrower's creditworthiness. Examples are personal loans, student loans, and credit cards. Factors like debt-to-income ratio, credit history, age, and income affect eligibility for both secured and unsecured loans, but secured loans typically have lower interest rates while unsecured loans have easier approval processes without risk of losing assets.
Consumer credit
Consumer credit is personal debt taken out to purchase goods and services, such as with credit cards. It arose to allow people without cash to access consumption. Consumer credit defers payment for purchases with interest charged. Common types include credit cards, personal loans, vehicle loans, and some retail installment plans. Revolving credit has an open line of credit at high interest rates without collateral. Installment credit is for specific purchases that are paid off over time. Advantages include accessing goods without saving first and building credit history. Disadvantages include higher total costs due to interest, potential fees, long repayment periods, damage to credit if unpaid, and reduced savings ability.
Credit facilities and support services
A credit facility is a formal financial assistance program offered by lending institutions to companies that need operating capital. It can include short-term revolving credit like lines of credit or longer-term credit like term loans. Facilities provide various types of funding options like overdraft services, deferred payment plans, revolving credit, and letters of credit. Essentially, a credit facility is another name for a loan taken out by a company to finance business operations.
Consumer credit
The presentation include brief of the consumer credit its meaning ,its types and further brief. It will not give detail notes about all but yes brief of everything is included.
If you think it is helping you out please let me know and also if any other topics which you think i should cover suggest me. your suggestions will be noted.
Banking operations
Banking operations involve accounts and loans. There are several types of accounts including savings accounts, current accounts, and overdraft accounts. Savings accounts earn interest and are meant for promoting savings. Current accounts are used by businesses for regular transactions and withdrawals. Overdraft accounts allow borrowing even when the account has no funds. Loans provide borrowers principal from lenders to repay later with interest. Common types of loans are personal loans, home loans, mortgage loans, educational loans, and vehicle loans which finance purchases of cars.
Different loans subscribed by the consumers.
Credit cards allow users to make purchases without paying upfront by borrowing credit from financial institutions. While credit cards provide convenience, this comes at the cost of interest if balances aren't paid off in full each month. Loans are amounts of money borrowed that are expected to be paid back with interest over time. There are various types of loans like secured loans that use collateral and have lower rates, and unsecured loans that rely on credit history. The 4 C's model evaluates a borrower's character, capacity to repay, capital assets, and collateral pledged to determine loan eligibility.
Indian Financial System
This document discusses different types of lending in the Indian financial system. It outlines secured and unsecured lending, as well as open-ended and closed-ended loans. Specific loan types covered include term loans, personal loans, home loans, vehicle loans, gold loans, policy loans, education loans, payday loans, business loans, and loans against property. The 4C's of loan decisions are also defined as character, capital, collateral, and capacity to repay.
different types of loans in india
This document discusses different types of loans provided by banks. It begins by defining what a loan is and explaining the loan application and approval process. It then describes several common types of loans including overdrafts, cash credits, housing loans, personal loans, vehicle loans, education loans, agricultural loans, and credit cards. For each loan type, it provides details on eligible purposes and terms. It concludes by covering principles of sound lending and the role of CIBIL in evaluating loan applications.
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FS&I Consumer finance for MBA and PGDM students.pptx
A secured loan requires collateral, such as a home or car, that the lender can seize if the borrower defaults. Common types of secured loans are mortgages and car loans. An unsecured loan does not require collateral, and lenders approve them based on a borrower's creditworthiness. Examples are personal loans, student loans, and credit cards. Factors like debt-to-income ratio, credit history, age, and income affect eligibility for both secured and unsecured loans, but secured loans typically have lower interest rates while unsecured loans have easier approval processes without risk of losing assets.
Consumer credit
Consumer credit is personal debt taken out to purchase goods and services, such as with credit cards. It arose to allow people without cash to access consumption. Consumer credit defers payment for purchases with interest charged. Common types include credit cards, personal loans, vehicle loans, and some retail installment plans. Revolving credit has an open line of credit at high interest rates without collateral. Installment credit is for specific purchases that are paid off over time. Advantages include accessing goods without saving first and building credit history. Disadvantages include higher total costs due to interest, potential fees, long repayment periods, damage to credit if unpaid, and reduced savings ability.
Credit facilities and support services
A credit facility is a formal financial assistance program offered by lending institutions to companies that need operating capital. It can include short-term revolving credit like lines of credit or longer-term credit like term loans. Facilities provide various types of funding options like overdraft services, deferred payment plans, revolving credit, and letters of credit. Essentially, a credit facility is another name for a loan taken out by a company to finance business operations.
Consumer credit
The presentation include brief of the consumer credit its meaning ,its types and further brief. It will not give detail notes about all but yes brief of everything is included.
If you think it is helping you out please let me know and also if any other topics which you think i should cover suggest me. your suggestions will be noted.
Banking operations
Banking operations involve accounts and loans. There are several types of accounts including savings accounts, current accounts, and overdraft accounts. Savings accounts earn interest and are meant for promoting savings. Current accounts are used by businesses for regular transactions and withdrawals. Overdraft accounts allow borrowing even when the account has no funds. Loans provide borrowers principal from lenders to repay later with interest. Common types of loans are personal loans, home loans, mortgage loans, educational loans, and vehicle loans which finance purchases of cars.
Different loans subscribed by the consumers.
Credit cards allow users to make purchases without paying upfront by borrowing credit from financial institutions. While credit cards provide convenience, this comes at the cost of interest if balances aren't paid off in full each month. Loans are amounts of money borrowed that are expected to be paid back with interest over time. There are various types of loans like secured loans that use collateral and have lower rates, and unsecured loans that rely on credit history. The 4 C's model evaluates a borrower's character, capacity to repay, capital assets, and collateral pledged to determine loan eligibility.
Indian Financial System
This document discusses different types of lending in the Indian financial system. It outlines secured and unsecured lending, as well as open-ended and closed-ended loans. Specific loan types covered include term loans, personal loans, home loans, vehicle loans, gold loans, policy loans, education loans, payday loans, business loans, and loans against property. The 4C's of loan decisions are also defined as character, capital, collateral, and capacity to repay.
different types of loans in india
This document discusses different types of loans provided by banks. It begins by defining what a loan is and explaining the loan application and approval process. It then describes several common types of loans including overdrafts, cash credits, housing loans, personal loans, vehicle loans, education loans, agricultural loans, and credit cards. For each loan type, it provides details on eligible purposes and terms. It concludes by covering principles of sound lending and the role of CIBIL in evaluating loan applications.
Consumer Credit
1) The document discusses various types of consumer credit including closed-end credit (installment credit), open-end credit (revolving credit), and sources of consumer credit such as commercial banks and credit unions.
2) Past research studies are summarized that examine reasons for bankruptcy filings, spending patterns and credit use among households and students, and retailers' attitudes toward debit card charges.
3) The studies generally found that overspending and lack of money management skills are leading causes of bankruptcy, while factors like employment, income and attitudes affect credit use and debt levels.
Micro Finance
The document discusses various types of financial products and lending practices including credit cards, bank overdrafts, personal loans, home equity lending, auto-title lending, informal lending, and peer-to-peer lending. It provides details on what each type of lending involves, how interest is calculated for credit cards and overdrafts, and examples of secured versus unsecured personal loans. The document is intended to present information on these common financial topics.
Merchant banking and financial services unit 5 notes for mba
Merchant banking and financial services unit 5 notes for mbaDr.N.G.P.Arts and Science College, Coimbatore, India
This document discusses various types of consumer and commercial financing services provided by banks and financial institutions. It begins by defining consumer credit as financing provided to consumers for purchasing durable goods in installments. It describes the characteristics and importance of consumer credit in India. It then discusses credit cards, including their origin and types in India. Next, it covers real estate financing and factors considered. It also explains bills discounting, the discounting process, and types of bills like demand bills, usance bills, and clean bills. In summary, the document provides an overview of key consumer and commercial financing services in India including consumer credit, credit cards, real estate loans, and bill discounting.FCRA Notes-1.docx
This document summarizes key concepts related to financial credit and risk analytics from a course on the subject. It defines credit as a promise of future payment for resources provided now. It describes the main types of credit as loans, trade credit, consumer credit, bank credit, revolving credit, open credit, installment credit, mutual credit, and service credit. It defines credit risk as the risk of a borrower defaulting and discusses how creditworthiness is measured using factors like character, capacity, capital, collateral and conditions. It also describes the credit market where large companies issue bonds that individual and institutional investors can purchase, and how credit rating agencies assess and rate the creditworthiness of issuers. The document concludes by identifying default risk
Credit Card Issuers
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.
Consumer Financing
This document discusses various types of consumer loans. It defines consumer loans as loans given to individuals for personal or household purposes. Consumer loans can be secured by collateral like a home or car, or they can be unsecured. The document then describes different types of secured and unsecured consumer loans such as home loans, vehicle loans, credit cards, and others. It also discusses key terms related to consumer loans like interest rates, loan amounts, repayment periods and more.
CREDIT AND COLLECTION.pptx
This document discusses credit and credit management. It begins by defining credit as a trust that allows one party to provide resources to another who will repay later. It then outlines the importance of credit in facilitating business financing and economic growth. The document also defines various types of credit like cash credit, overdrafts, demand loans and term loans. It describes credit instruments like checks, drafts, promissory notes and bonds. The advantages of credit are noted as increasing consumption, savings and capital formation. Potential disadvantages include encouraging wasteful spending and economic instability.
project credit (1).pdf
The document is a project report submitted by Dravya Chawla on a study of perceptions of credit cards among bank customers. It includes a declaration by the author, a certificate from the institute, acknowledgements, table of contents, and several chapters on the introduction, literature review, research methodology, results and discussion. The introduction provides background on the growth of credit card usage and discusses key aspects of the credit card system including interest charges, grace periods, benefits to customers and merchants, and consequences of credit card defaults.
Credit resources.docx
Starting off with the pre paid Visa card can help you create good spending habits and prepare you for an unsecured credit card down the road.
Credit resources
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.
Credit Card
1. A credit card is pre-approved credit that allows individuals to purchase goods and services now and pay for them later. Credit limits are based on an individual's creditworthiness, or ability and willingness to repay debts.
2. Credit cards charge interest on unpaid balances and are primarily used for short-term financing. Holders can make purchases up to a pre-set credit limit and must make minimum monthly payments.
3. Credit card issuers, usually banks, set credit limits and reimburse merchants for purchases, while cardholders repay the issuer each month. Issuers make money through interest charges and fees.
Credit Cards Banking
Credit cards originated in the United States in the early 20th century when department stores issued metal plates to loyal customers, allowing them to buy on credit. Later, banks introduced general-use credit cards that could be used at multiple merchants. Credit cards offer convenient credit and a way to track expenses, and are accepted worldwide with various credit limits and rewards programs. There are standard credit cards as well as specialized cards like balance transfer cards, rewards cards, secured cards for those with poor credit, and business or student cards designed for specific users.
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Clear all your doubts about secured overseas education loan and know what are the requirements to apply for an overseas education loan.
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Here are the steps to calculate the debt burden ratio:
1. Monthly income before tax: 1500 JD
2. Estimated tax: 20% of 1500 = 300 JD
3. Monthly net income: 1500 - 300 = 1200 JD
4. Monthly debt payments:
- Credit card 1: 50 JD
- Credit card 2: 75 JD
- Car loan: 150 JD
- Total monthly debt payments: 50 + 75 + 150 = 275 JD
5. Debt burden ratio = Total monthly debt payments / Monthly net income
= 275 / 1200
= 23%
Therefore, the debt burden ratio for this applicant is 23%.
Consumer finance ppt
Consumer finance refers to granting credit to consumers to purchase goods for everyday use through installment plans. There are different types of consumer credit like revolving credit (credit cards), fixed credit (loans), and cash loans. Sources of consumer finance include traders, commercial banks, credit card companies, NBFCs, and credit unions. Factors driving demand for consumer finance are increasing income, installment payment plans, and growth in households. Products covered include cars, appliances, and electronics. Terms of financing evaluate borrowers' income, employment, guarantees, interest rates, and fees. While consumer credit allows purchases and economic growth, it can also lead to overspending, insolvency, high costs, bad debts, and economic instability.
Marketing of financial products
Retail banking offers various products like savings and checking accounts, loans, credit/debit cards etc. through multiple channels. It is characterized by multiple products, distribution channels, and customer groups. HSBC introduced the first ATM in India in 1987. Technological advances and changing demographics are influencing the sector.
ifs
Consumer credit is debt incurred to purchase goods and services for personal use. There are two main types: revolving credit like credit cards which can be used repeatedly up to a limit, and installment credit like loans which are paid back in fixed amounts over time. Consumer credit allows consumers to finance purchases even when funds are low and helps raise living standards, but it can also lead to overspending and long-term financial problems if not managed carefully. The consumer credit industry in India is growing as incomes rise, but more education is still needed about options and responsible use.
Chapter 2 Personal Credit Management
This document provides an overview of Islamic financial planning concepts related to personal credit management. It discusses the concept of credit in Islam, including that Islam does not prohibit borrowing as long as there is a written agreement and honesty in repayment. The responsibilities of borrowers and lenders are outlined. Types of personal credit are explained, including consumer loans, revolving credit, credit cards, charge cards, and debit cards. The document also discusses measuring credit capacity, applying for credit, advantages and disadvantages of credit, refinancing, and the Islamic pawn broking concept of al-Rahn.
Credit And Debit
The document discusses the origins and meanings of credit and debit terms, which come from Latin roots related to owing and believing. It provides several theories for why "Cr" stands for credit and "Dr" for debit in accounting. Credit is defined as goods exchanged now for a future promise of payment, based on trust in the debtor's ability and willingness to repay. The main functions of credit in an economy include providing working capital, enabling large-scale production, facilitating new business ventures, and allowing consumers to purchase goods over time.
CUSTOMER SATISFACTION in citi bank
The document discusses a study conducted on customer satisfaction with personal loans from Citifinancial in South Bangalore, India. The study aimed to identify areas where Citifinancial's customers were dissatisfied in order to help the company improve service and increase customer satisfaction. The researcher collected data through surveys of existing Citifinancial customers and analyzed it to make recommendations. The document outlines the research methodology, scope, and limitations of the study. It also provides background information on personal loans.
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Similar to +Credits and loans.pptx
Consumer Credit
1) The document discusses various types of consumer credit including closed-end credit (installment credit), open-end credit (revolving credit), and sources of consumer credit such as commercial banks and credit unions.
2) Past research studies are summarized that examine reasons for bankruptcy filings, spending patterns and credit use among households and students, and retailers' attitudes toward debit card charges.
3) The studies generally found that overspending and lack of money management skills are leading causes of bankruptcy, while factors like employment, income and attitudes affect credit use and debt levels.
Micro Finance
The document discusses various types of financial products and lending practices including credit cards, bank overdrafts, personal loans, home equity lending, auto-title lending, informal lending, and peer-to-peer lending. It provides details on what each type of lending involves, how interest is calculated for credit cards and overdrafts, and examples of secured versus unsecured personal loans. The document is intended to present information on these common financial topics.
Merchant banking and financial services unit 5 notes for mba
Merchant banking and financial services unit 5 notes for mbaDr.N.G.P.Arts and Science College, Coimbatore, India
This document discusses various types of consumer and commercial financing services provided by banks and financial institutions. It begins by defining consumer credit as financing provided to consumers for purchasing durable goods in installments. It describes the characteristics and importance of consumer credit in India. It then discusses credit cards, including their origin and types in India. Next, it covers real estate financing and factors considered. It also explains bills discounting, the discounting process, and types of bills like demand bills, usance bills, and clean bills. In summary, the document provides an overview of key consumer and commercial financing services in India including consumer credit, credit cards, real estate loans, and bill discounting.FCRA Notes-1.docx
This document summarizes key concepts related to financial credit and risk analytics from a course on the subject. It defines credit as a promise of future payment for resources provided now. It describes the main types of credit as loans, trade credit, consumer credit, bank credit, revolving credit, open credit, installment credit, mutual credit, and service credit. It defines credit risk as the risk of a borrower defaulting and discusses how creditworthiness is measured using factors like character, capacity, capital, collateral and conditions. It also describes the credit market where large companies issue bonds that individual and institutional investors can purchase, and how credit rating agencies assess and rate the creditworthiness of issuers. The document concludes by identifying default risk
Credit Card Issuers
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.
Consumer Financing
This document discusses various types of consumer loans. It defines consumer loans as loans given to individuals for personal or household purposes. Consumer loans can be secured by collateral like a home or car, or they can be unsecured. The document then describes different types of secured and unsecured consumer loans such as home loans, vehicle loans, credit cards, and others. It also discusses key terms related to consumer loans like interest rates, loan amounts, repayment periods and more.
CREDIT AND COLLECTION.pptx
This document discusses credit and credit management. It begins by defining credit as a trust that allows one party to provide resources to another who will repay later. It then outlines the importance of credit in facilitating business financing and economic growth. The document also defines various types of credit like cash credit, overdrafts, demand loans and term loans. It describes credit instruments like checks, drafts, promissory notes and bonds. The advantages of credit are noted as increasing consumption, savings and capital formation. Potential disadvantages include encouraging wasteful spending and economic instability.
project credit (1).pdf
The document is a project report submitted by Dravya Chawla on a study of perceptions of credit cards among bank customers. It includes a declaration by the author, a certificate from the institute, acknowledgements, table of contents, and several chapters on the introduction, literature review, research methodology, results and discussion. The introduction provides background on the growth of credit card usage and discusses key aspects of the credit card system including interest charges, grace periods, benefits to customers and merchants, and consequences of credit card defaults.
Credit resources.docx
Starting off with the pre paid Visa card can help you create good spending habits and prepare you for an unsecured credit card down the road.
Credit resources
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.
Credit Card
1. A credit card is pre-approved credit that allows individuals to purchase goods and services now and pay for them later. Credit limits are based on an individual's creditworthiness, or ability and willingness to repay debts.
2. Credit cards charge interest on unpaid balances and are primarily used for short-term financing. Holders can make purchases up to a pre-set credit limit and must make minimum monthly payments.
3. Credit card issuers, usually banks, set credit limits and reimburse merchants for purchases, while cardholders repay the issuer each month. Issuers make money through interest charges and fees.
Credit Cards Banking
Credit cards originated in the United States in the early 20th century when department stores issued metal plates to loyal customers, allowing them to buy on credit. Later, banks introduced general-use credit cards that could be used at multiple merchants. Credit cards offer convenient credit and a way to track expenses, and are accepted worldwide with various credit limits and rewards programs. There are standard credit cards as well as specialized cards like balance transfer cards, rewards cards, secured cards for those with poor credit, and business or student cards designed for specific users.
Faqs about secured overseas education loans
Clear all your doubts about secured overseas education loan and know what are the requirements to apply for an overseas education loan.
Introduction to consumer lending
Here are the steps to calculate the debt burden ratio:
1. Monthly income before tax: 1500 JD
2. Estimated tax: 20% of 1500 = 300 JD
3. Monthly net income: 1500 - 300 = 1200 JD
4. Monthly debt payments:
- Credit card 1: 50 JD
- Credit card 2: 75 JD
- Car loan: 150 JD
- Total monthly debt payments: 50 + 75 + 150 = 275 JD
5. Debt burden ratio = Total monthly debt payments / Monthly net income
= 275 / 1200
= 23%
Therefore, the debt burden ratio for this applicant is 23%.
Consumer finance ppt
Consumer finance refers to granting credit to consumers to purchase goods for everyday use through installment plans. There are different types of consumer credit like revolving credit (credit cards), fixed credit (loans), and cash loans. Sources of consumer finance include traders, commercial banks, credit card companies, NBFCs, and credit unions. Factors driving demand for consumer finance are increasing income, installment payment plans, and growth in households. Products covered include cars, appliances, and electronics. Terms of financing evaluate borrowers' income, employment, guarantees, interest rates, and fees. While consumer credit allows purchases and economic growth, it can also lead to overspending, insolvency, high costs, bad debts, and economic instability.
Marketing of financial products
Retail banking offers various products like savings and checking accounts, loans, credit/debit cards etc. through multiple channels. It is characterized by multiple products, distribution channels, and customer groups. HSBC introduced the first ATM in India in 1987. Technological advances and changing demographics are influencing the sector.
ifs
Consumer credit is debt incurred to purchase goods and services for personal use. There are two main types: revolving credit like credit cards which can be used repeatedly up to a limit, and installment credit like loans which are paid back in fixed amounts over time. Consumer credit allows consumers to finance purchases even when funds are low and helps raise living standards, but it can also lead to overspending and long-term financial problems if not managed carefully. The consumer credit industry in India is growing as incomes rise, but more education is still needed about options and responsible use.
Chapter 2 Personal Credit Management
This document provides an overview of Islamic financial planning concepts related to personal credit management. It discusses the concept of credit in Islam, including that Islam does not prohibit borrowing as long as there is a written agreement and honesty in repayment. The responsibilities of borrowers and lenders are outlined. Types of personal credit are explained, including consumer loans, revolving credit, credit cards, charge cards, and debit cards. The document also discusses measuring credit capacity, applying for credit, advantages and disadvantages of credit, refinancing, and the Islamic pawn broking concept of al-Rahn.
Credit And Debit
The document discusses the origins and meanings of credit and debit terms, which come from Latin roots related to owing and believing. It provides several theories for why "Cr" stands for credit and "Dr" for debit in accounting. Credit is defined as goods exchanged now for a future promise of payment, based on trust in the debtor's ability and willingness to repay. The main functions of credit in an economy include providing working capital, enabling large-scale production, facilitating new business ventures, and allowing consumers to purchase goods over time.
CUSTOMER SATISFACTION in citi bank
The document discusses a study conducted on customer satisfaction with personal loans from Citifinancial in South Bangalore, India. The study aimed to identify areas where Citifinancial's customers were dissatisfied in order to help the company improve service and increase customer satisfaction. The researcher collected data through surveys of existing Citifinancial customers and analyzed it to make recommendations. The document outlines the research methodology, scope, and limitations of the study. It also provides background information on personal loans.
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Merchant banking and financial services unit 5 notes for mba
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一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
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2:同时对留学生所学专业登记给予评定
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8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
1.2 Business Ideas Business Ideas Busine
Business Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas PowerpointBusiness Ideas Powerpoint
Bridging the gap: Online job postings, survey data and the assessment of job ...
Bridging the gap: Online job postings, survey data and the assessment of job ...Labour Market Information Council | Conseil de l’information sur le marché du travail
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Unlock-the-Power-of-UAN-Your-Key-to-Secure-Retirement.pptx
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
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+Credits and loans.pptx
- 1. THEME: CREDITS AND LOANS CREATED BY: ISLOMBEK NISHANALIYEV GROUP: GE 521
- 2. WHAT IS CREDIT? Credit (from Latin ve rb credit, meaning "one believes") is a legal agreement to receive cash, goods, or services now and pay for them in the future.
- 3. TYPES OF CREDITS: • Credit Cards • Installment Loans (automobile loan and mortgages) • Student Loans • Microcredits
- 4. Credit Cards - Plastic cards with electronic information that can be used by the holder to make purchases or obtain cash advances using a line of credit made available by the card-issuing financial institution. Installment Loan - A loan in which the amount of payment and the number of payments are predetermined. Such as an automobile loan and mortgages
- 5. Student Loans - Loans offered to students to assist in payment of the costs of professional education. These loans usually charger lower interest than other loans, and are also usually issued by the government. Allows a person to finance their education and defer payments until after graduation. Microcredits - also called microbanking or microfinance, a means of extending credit, usually in the form of small loans with no collateral, to nontraditional borrowers.
- 6. CO-SIGNER The person who agrees to be responsible for loan payments if the borrower fails to make them.
- 7. ADVANTAGES OF CREDITS: • Convenient • No need for cash • Bonuses, points • Helps on reservations • Immediate
- 8. DISADVANTAGES OF CREDITS: • It is a loan • Interest rate • Additional fees • Easy to overspend and can promote impulse purchases • Risk of identity theft
- 9. WHEN YOU USE CREDIT, YOU’RE SPENDING MONEY BEFORE YOU EARN IT.