Farm credit appraisal techniques,
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This document provides information and examples for appraising farm credit. It discusses the importance of credit appraisal in making correct credit decisions and assessing a borrower's ability to repay. Sample balance sheets, income statements, and cash flow statements are presented for a hypothetical farm. The balance sheet summarizes the farm's assets and liabilities. The income statement shows the farm's revenues, expenses, and net income over a period of time. The cash flow statement outlines the farm's cash inflows and outflows by quarter and for the total year. The examples are intended to demonstrate techniques for appraising farm credit applications.
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Farm credit appraisal techniques
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This document provides information and examples about accounting for public companies and underwriting. It discusses concepts like underwriting liability, applications received, marked applications, outstanding shares, and liability calculations for different underwriters based on information provided in examples. It also includes solutions to example questions about underwriting calculations.
ratio analysis.ppt.ppt
Ratio analysis involves calculating and analyzing financial ratios to evaluate various aspects of a company's performance and financial position. Ratios are calculated using figures from the company's financial statements and can provide insight into areas like profitability, liquidity, asset utilization, debt levels, and investment returns. Common ratio categories include liquidity ratios, capital structure ratios, turnover/activity ratios, and profitability ratios. Ratio analysis allows comparison of a company's performance over time and against industry benchmarks to identify trends and areas for improvement.
Accounting Economics And Business 20 Nov
The document provides information about an afterschool programme on accounting, economics and business run by the Centre for Social Entrepreneurship. It is the world's most comprehensive programme on social and spiritual entrepreneurship and is open and free for all.
Financial & Management Accounting
A cash budget is a forecast of cash inflows and outflows over a specific period, usually a month or quarter. It is useful for managerial decision making in the following ways:
1. Liquidity management: A cash budget helps assess if a business will have sufficient cash to meet its day-to-day operational expenses and other commitments. It identifies periods of cash surplus or deficit in advance so corrective actions can be taken.
2. Working capital management: By forecasting cash flows, a cash budget determines the optimal level of current assets like inventory and receivables required. This helps manage working capital efficiently.
3. Capital expenditure planning: Large capital expenditures are identified upfront through a cash budget. This
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ABC (Pvt) Ltd. reported a net profit before tax of Rs. 39,994,000 for the year ended 31 March 2019. Various adjustments were made to arrive at taxable business income of Rs. 25,180,200 and taxable investment income of Rs. 2,770,000, resulting in total assessable income of Rs. 27,950,200. After deducting tax credits of Rs. 5,209,750, the company had a balance tax payable of Rs. 1,516,722 for the year of assessment 2018/19.
Similar to Farm credit appraisal techniques, (15)
Question paper for Assam H.S. 2nd year for final exam for 2012
Question paper for Assam H.S. 2nd year for final exam for 2012
A N N U I T Y Q U E S T I O N S F O R A P T I T U D E T E S T S
A N N U I T Y Q U E S T I O N S F O R A P T I T U D E T E S T S
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Simplex method concept,
The document discusses the Simplex method for solving linear programming problems involving profit maximization and cost minimization. It provides an overview of the concept and steps of the Simplex method, and gives an example of formulating and solving a farm linear programming model to maximize profits from two products. The document also discusses some complications that can arise in applying the Simplex method.
RURAL MARKETING
Rural marketing involves assessing, stimulating, and converting rural consumers' purchasing power into effective demand for specific products and services. It is a two-way process involving both urban to rural and rural to urban transactions.
Rural markets are characterized by a large population, agriculture-based occupations, low income and literacy, traditional outlook, and inadequate infrastructure. Key factors affecting rural consumer behavior include psychological, personal, situational, economic, and socio-cultural influences.
The marketing mix, or 4Ps, refers to product, price, promotion, and place strategies used by companies to market brands in rural areas. Products go through different life cycle stages from introduction to growth, maturity, saturation, and decline. Rural
DECISION MAKING
Let x1 = Number of units of M1 produced
x2 = Number of units of M2 produced
ii) Write the constraints:
4x1 + 2x2 ≤ 80 (Grinding constraint)
2x1 + 5x2 ≤ 180 (Polishing constraint)
x1, x2 ≥ 0
iii) Write the objective function:
Maximize Z = 3x1 + 4x2
iv) Solve the LP problem graphically or by simplex method to find the optimal solution.
GAME THEORY
Game theory is the formal study of conflict and cooperation between interdependent decision-makers. It has applications in economics, political science, military strategy, biology, and computer science. Key concepts in game theory include Nash equilibrium, where no player can benefit by changing their strategy alone, and mixed strategies, where players randomize between pure strategies. Zero-sum games model situations where one player's gains equal the other's losses. The example given presents a payoff matrix modeling the strategic choices of two firms. It has a saddle point equilibrium where each firm chooses a pure strategy that maximizes their minimum payoff.
SUPPLY CHAIN MANAGEMENT
This document provides an overview of supply chain management in the context of agricultural economics. It discusses the meaning of supply chain management and defines it as the management of the entire production, distribution, and marketing process that supplies consumers with desired products. It then outlines several common marketing channels for various agricultural commodities like cereals, fruits and vegetables, oilseeds, eggs, and pulses. It also discusses the importance of supply chain management and factors that can affect the length of marketing channels for agricultural products.
CROP INSURANCE SCHEME
Crop insurance schemes have evolved in India over several decades to protect farmers from risks of crop failure. The current National Agricultural Insurance Scheme (NAIS) was launched in 1999 and makes crop insurance compulsory for loan-taking farmers. It covers lower premiums but has limitations like delayed claims, low compensation levels, and exclusion of certain risks. The Modified NAIS launched in 2010 uses actuarial premiums with government subsidies to make premiums affordable for farmers. It aims to address some issues but challenges remain in accurately designing insurance indices and assessing losses. Improving coverage levels, reducing assessment costs, and faster compensation are suggested to strengthen crop insurance for farmers.
Nabard
NABARD was established in 1982 to promote rural prosperity in India. It replaced existing agricultural credit and rural development institutions. NABARD operates nationwide with regional and district offices. Its mission is to support sustainable agriculture and integrated rural development through credit and other services. NABARD provides refinancing to banks and cooperatives, promotes rural policies, and works to enhance financial inclusion in rural areas through programs like Kisan Credit Cards, self-help groups, and watershed development.
Oligopoly
An oligopoly is a market structure with a small number of firms that dominate the market. There are barriers to entry that prevent new competition. Each firm recognizes their interdependence and that their actions impact rivals. This can lead to collusion, market sharing, or complex strategic interactions modeled using game theory. Oligopolies may produce homogeneous goods like steel or differentiated goods like cars. They tend to compete on non-price factors more than price. Common oligopoly models include the dominant firm model, Cournot-Nash model, and Bertrand model.
Nabard
The National Bank for Agriculture and Rural Development (NABARD) was established in 1982 to provide credit and other services to promote rural development. It replaced previous agricultural credit institutions and aims to secure prosperity in rural areas through credit for agriculture and allied activities. NABARD serves as a refinancing body for rural lending institutions and provides direct loans. It also works to develop these institutions and coordinate rural financing through activities like rural credit planning, monitoring, and training.
National income
This document provides information about a seminar on National Income. It includes definitions of key concepts related to measuring national income such as Gross Domestic Product, Net Domestic Product, and Gross National Product. It discusses methods used to measure national income, including the product, income, and expenditure methods. It also outlines some of the difficulties in accurately measuring national income, such as how to account for non-market activities and government services. The document concludes by noting the importance of national income statistics for economic planning and development.
game THEORY ppt
This document provides an overview of game theory. It defines game theory as the study of how people interact and make decisions strategically, taking into account that each person's actions impact others. It discusses the history and key concepts of game theory, including players, strategies, payoffs, assumptions of rationality and perfect information. It provides examples of zero-sum and non-zero-sum games like the Prisoner's Dilemma. The document is intended to introduce game theory and its basic elements.
NABARD
The document discusses the Lead Bank Scheme in India. Some key points:
- The RBI accepted recommendations from the Nariman Committee to formulate the Lead Bank Scheme in 1969.
- Under this scheme, specific districts are allotted to commercial banks, with the bank having the most branches becoming the "Lead Bank" to coordinate credit efforts.
- The Lead Bank is responsible for surveying credit needs, expanding banking access, and formulating district credit plans to boost sectors like agriculture and support vulnerable groups.
- Over time the scheme has expanded nationwide and Lead Banks in Chhattisgarh are identified.
Natural resources 1
Natural resources are defined as elements and forces from nature that are not man-made, including climate, landforms, water, air, minerals, energy sources, and organisms. Natural resources can be basic materials like air, water and minerals, or natural products like trees, fish and wildlife. They can also provide services like land for space and sites, scenic views from mountains and forests, and recreation from forests, lakes and wildlife. Natural resource economics studies the economic aspects of using, conserving and developing natural resources, including demand and supply, pricing, depletion and preservation. The major goals of natural resource management are productivity, equity in allocation of resources, and sustainability to meet the needs of present and future generations.
National income
This document discusses various concepts related to measuring national income, including:
1. There are four main methods of measuring national income - the product method, income method, expenditure method, and value added method.
2. The income approach to gross national product (GNP) involves adding up all income payments to the factors of production.
3. The expenditure approach to GNP involves totaling personal consumption expenditures, gross private domestic investment, net foreign investment, and government expenditures.
4. Other concepts discussed include net national product, disposable income, real income, and per capita income. Challenges in measuring national income, especially in developing economies, are also outlined.
Market failures in natural resource management
This document discusses market failures in natural resource management. It provides several reasons why markets often fail to efficiently allocate natural resources, including incomplete property rights, difficulties controlling pollution as a public good, and outdated institutions failing to adapt to changes. When markets diverge from competitive conditions, prices may not reflect resource scarcity or consumer preferences, leading to overexploitation of resources. The document also examines different types of market failures like monopoly power, incomplete information, and externalities, and how policies can potentially address these failures to promote sustainable and equitable natural resource use.
case study of agricultural project
1. Composite fish culture involves culturing multiple compatible fish species together in freshwater ponds or tanks. Common species include Indian major carps and exotic carps.
2. Proper pond management is required, including liming, fertilizing, and stocking fingerlings. Supplementary feeding is also provided.
3. Financial analysis of culturing fish in a 1 hectare pond over 5 years shows a net present worth of Rs. 435,382.50 and a benefit-cost ratio of 2.2, indicating the project would be financially viable.
VALUATION OF RENEWABLE NATURAL RESOURES
This document discusses various methods for valuing renewable natural resources. It begins by defining renewable and non-renewable resources. It then explains that valuing natural resources is complex due to public goods aspects. Methods are grouped as direct and indirect. Indirect methods include travel cost and hedonic pricing, using actual choices to model preferences. Direct methods like contingent valuation directly ask about willingness to pay. Specific valuation methods are then outlined for different renewable resources like land, water, forests and grazing lands. The document concludes with references.
SELF HELF GROUP
The document provides information about self-help groups (SHGs) in India. It discusses that SHGs are small, voluntary groups of rural poor that come together for savings, credit, and other financial services. It outlines the criteria for SHGs to be linked with banks, including being in existence for 6 months and having successfully undertaken savings and credit operations. It also describes the unique features of SHGs, such as collective decision making, providing financial services locally, and empowering poor individuals. Furthermore, it summarizes the role of NABARD in conceptualizing and piloting the SHG linkage program with banks in India.
L..p..
This document discusses linear programming and transportation problems. It provides definitions and applications of linear programming, including choice of investments, product mix selection, and design problems. Transportation problems are defined as using linear programming to determine the minimum cost of transporting a commodity from multiple origins to various destinations, given supply and demand constraints. Several examples of transportation problems and their least cost solutions are provided.
decision making in Lp
This document discusses quantitative methods for decision making, also known as operations research. It defines decision making as the process of choosing among alternatives. The document then discusses different types of decisions, such as sequential, conscious/unconscious, and managerial decisions. It also discusses various farm management decisions including organizational, administrative, and marketing decisions. Finally, it provides an example of using linear programming to solve a problem involving maximizing profit from toy production given resource constraints.
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.Ending stagnation: How to boost prosperity across Scotland
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
快速办理(美国Fordham毕业证书)福德汉姆大学毕业证学历证书一模一样
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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
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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)
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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
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The Impact of Generative AI and 4th Industrial Revolution
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
做澳洲澳大利亚国立大学毕业证荣誉学位证书原版一模一样
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本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
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留信网认证的作用:
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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
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高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
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本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
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
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
在线办理(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单一模一样
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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
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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.
在线办理(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证完成信一模一样
学校原件一模一样【微信：741003700 】《(UMASS毕业证书)马萨诸塞大学阿默斯特分校毕业证》【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
International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
1：1制作加拿大麦吉尔大学毕业证硕士学历证书原版一模一样
原版一模一样【微信：741003700 】【加拿大麦吉尔大学毕业证硕士学历证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）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，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
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
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
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdf
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
RMIT硕士学位证成绩单【微信95270640】《皇家墨尔本理工大学毕业证书》《QQ微信95270640》学位证书电子版：在线制作皇家墨尔本理工大学毕业证成绩单GPA修改（制作RMIT毕业证成绩单RMIT文凭证书样本）、皇家墨尔本理工大学毕业证书与成绩单样本图片、《RMIT学历证书学位证书》、皇家墨尔本理工大学毕业证案例毕业证书制作軟體、在线制作加拿大硕士学历证书真实可查.
【本科硕士】皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单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）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
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。
【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：A575476】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：A575476】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。
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！
The state of welfare Resolution Foundation Event
How has Britain’s safety net changed since 2010 and what comes next?
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Farm credit appraisal techniques,
- 1. FARM CREDIT APPRAISAL TECHNIQUES Submitted to Dr A K Gauraha (Depart. Of Agricultural Economics) Presented by Ravi Kumar rathiya M.sc. (Ag.) Agril. Econ. AGECON 509 Agricultural Finance and Project Management
- 2. What is credit appraisal? Credit Appraisal is the process by which a lender appraises the technical feasibility, economic viability and bankability including creditworthiness of the prospective borrower.
- 3. IMPORTANCE OF CREDIT APPRAISAL 1. To take Correct Credit Decision 2. To Decide the Quantum of Credit 3. To Ascertain the Ability to repay 4. To Find out liquidity, Profitability, Solvency of Concern 5. To judge the viability of project
- 4. The major Farm Credit Appraisal Statements are as folllows Balance sheet, Income statement, Statement of cash flow.
- 5. The major statements and their purposes are as follows: Net Worth Statement—Summarizes the property and fi nancial assets owned, the debts owed, and the net worth of the business at a point in time. Net Income Statement—Summarizes the income generated, the expenses incurred, and the net income earned by the business during a period of time. Statement of Cash Flows—Summarizes all the sources and uses of cash by the business during a period of time.
- 6. Current assets Amount Liabilities Amount Cash On hand 10000 Crop loan to be repaid to institutional agencies 8000 Savings in bank 8000 Account payable 11000 Value of grain ready for disposal 38500 Livestock products (eggs, birds, etc.) 60000 Hand loans 5000 Fruites, vegetables, fodder and feed ready for sale 8000 Money owned to input suppliers 25000 Value of bonds and shares to be realized in the same year 2000 Annual installments of MT and LT loans 19000 Sub total 126500 Sub total 68000 BALANCE SHEET OF A HYPOTHETICAL FARM
- 7. Intermediate assets Intermediate Liabilities Dairy cattle 10000 Livestock loan (outstanding amount) 8000 Bullocks 9000 Machinery loan (outstanding amount) 15000 Poultry birds 15000 Unsecured loans (outstanding amount) 10000 Machinery and equipment 15000 Tractor 175000 Sub total 224000 Sub total 33000
- 8. Long term assets Long Term Liabilities Land 600000 Tractor loan (outstanding amount) 120000 Farm buildings 25000 Orchard loan (outstanding amount) 25000 Unsecured loans (outstanding amount) 10000 Sub total 625000 Sub total 155000 Total assets 975500 Total of liabilities 256000 Net worth= Total assets – Total Liabilities 719500 = 975500 - 256000
- 9. Income Statement of a Hypothetical Farm Particulars Amount (in Rs.) 1. Receipts A. Returns from the sale of crop output (Paddy + pulse) 52000 B. i. Revenue from milk products 5000 ii. Returns from poultry enterprise 12000 Returns from supplementary enterprises 17000 C. Gifts 2000 D. gross cash income 71000 E. Appreciation on the value of assets 3000 F. Gross income 74000
- 10. II. Expenses In Rs. Operating expenses or costs A. Hired human labour 10500 B. Bullock labour 900 C. Machine labour 1500 D. Seeds 1100 E. Feeds 5000 F. Manures and fertilizers 3000 G. Plant protection measure 1550 H. veterinary aid 500 I. irrigation 250 J. Miscellaneous 2000 K. Interest on working capital 2100 Total operating expenses 28400
- 11. Fixed expenses or costs In Rs. A. Depreciation 3000 B. Land revenue 200 C. Interest on fixed capital (include interest of Rs. 1500 paid towards term loan) 3200 D. Rental value of owned land 10000 E. Total fixed costs 16400 Total cost=Total operating expenses+ Total fix costs 28400+16400=44800 III. Net income = Gross returns - total cost 74000 – 44800 = 29200
- 12. Preparation of Cash Flow Statement Cash flow Statement- It is a summery of cash inflows and cash outflows of a business organization in a particular time period, a season or a year.
- 13. Cash Flow Statement of a Hypothetical Farm S N o Particulars 1st Quarter (June aug) 2nd Quarter (Sep-Nov) 3rd Quarter (Dec-Feb) 4th Quarter (Mar-May) Total I Cash receipts (in Rs.) 1 Cash balance (Brought forward from previous year) 3000 2 Total operating sales(Farm and livestock products) 1350 1400 30200 7800 40750 3 Total capital sales (milch cattle) - 5000 - - 5000 4 Non farm income (Family members working elsewhere) 2000 1500 2000 3200 8700 5 Borrowings (ST MT and LT loans from institutional agencies) 7500 - - - 7500 6 Total 13850 7900 32200 11000 64950
- 14. II Cash expenses (in Rs.) 1 Operating expenses 8500 6750 6200 5300 26750 2 Capital investment (Purchase of milch cattle) - - 6000 - 6000 3 Family living expenses 2400 2800 3200 3000 11400 4 Payment of previous years debt 500 - - - 500 5 Payment of ST loans and instalments on investment loans - - 7968 - 7968 Total 11400 9550 23368 8300 52618 III Cash balance (In Rs.) 2450 -1650 8832 2700 12332 To estimate the total credit needs of the farmer along with time and quantum
- 15. Thanks