The document discusses the different financial needs and sources of finance for businesses over short, medium, and long term periods. It outlines that long term needs are for fixed assets and the sources include issuing shares, debentures, loans, and reinvesting profits. Medium term needs are for activities like building renovations and sources involve preference shares, debentures, public deposits, and financial institutions. Short term needs are for working capital and sources include bank loans, trade credit, and customer advances. The document then provides further details on various long term sources of finance for businesses.
This ppt is all about the long term finance for the business. From which sources a business firm used to get their long term finance to run the business. So i hope it will help you to give your presentation . Thanks for the download. And if you find any mistake, please feel free to comment and inform.
or send me a mail in tatinpisa@outlook.com
A bond is a (written and signed promise) debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate (Coupon Rate).
This ppt is all about the long term finance for the business. From which sources a business firm used to get their long term finance to run the business. So i hope it will help you to give your presentation . Thanks for the download. And if you find any mistake, please feel free to comment and inform.
or send me a mail in tatinpisa@outlook.com
A bond is a (written and signed promise) debt investment in which an investor loans money to an entity (typically corporate or governmental) which borrows the funds for a defined period of time at a variable or fixed interest rate (Coupon Rate).
Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing.
There are three parties directly involved: the factor who purchases the receivable, the one who sells the receivable, and the debtor who has a financial liability that requires him or her to make a payment to the owner of the invoice.
There are various types of factoring:
Recourse, Non - recourse, maturity and cross - border factoring.
Once you are done with a good planning and modeling the launch of your new venture is equally important. Learn the key elements to launch your own business in India and discover the path traced from the startup stage to the IPO. Also understand the revival and exit startegy to milk the venture.
Presented by:Tony Redpath
Vice President, Partner Programs
MaRS Discovery District
Part of the Ontario Post Doctoral Fellowship Networking Event.
7 October 2008
Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing.
There are three parties directly involved: the factor who purchases the receivable, the one who sells the receivable, and the debtor who has a financial liability that requires him or her to make a payment to the owner of the invoice.
There are various types of factoring:
Recourse, Non - recourse, maturity and cross - border factoring.
Once you are done with a good planning and modeling the launch of your new venture is equally important. Learn the key elements to launch your own business in India and discover the path traced from the startup stage to the IPO. Also understand the revival and exit startegy to milk the venture.
Presented by:Tony Redpath
Vice President, Partner Programs
MaRS Discovery District
Part of the Ontario Post Doctoral Fellowship Networking Event.
7 October 2008
The Government Technology & Services Coalition (GTSC) and its Emerging Small Business Group on December 16 hosted a session for small companies to learn about business development in the Federal sector. Our presenter, Tony Sacco was Vice President of SAIC and has over 40 years of experience in business development, IT systems development, integration and operations. Topics included:
>>Introduction to the BD lifecycle from a small business perspective
>>Challenges and opportunities in each phase
>>Strategies and techniques to be successful at BD
About the GTSC Emerging Small Business Group
The Emerging Small Business Group is open to GTSC members with revenue <$2.5 million. It will focus on understanding the numerous challenges of starting/growing a small business in the Federal space and marshaling GTSC’s vast resources of peers, owners, mentors, subject matter experts and online virtual tools to provide our emerging small business members the knowledge and techniques they need to meet the challenges of growing a business.
Chair: Elaine Kapetanakis, CEO, Kapstone Technologies
Planning is bringing the future into the present, so that you can do something about it now. Wise money management can take a lot of worry out of your life.
Know some amazing and important Financial planning tips.
Presentation includes Introduction to Microfinance Industry, Business Process, Strategies, Key Challenges, Future Outlook and Special Issues like Urban Microfinance & Rating of Microfinance Institutions
Elements of financial management & working capitalCh Naresh
The PPT Covers the 2 topics
1.Elements of Financial Management
2.Working Capital
which consists of following topics:
Contents :
Finance
Shares
Debentures
Bonds
Right shares
Venture capital
Mutual fund
Importance of working Capital
Types of working Capital
Components of working Capital
➢Meaning
➢Importance
of Working capital
Capital
Hey, Do you want to know something about Debt or Equity? Then just one click on Link is given in PPT and you will get import information on it which will help you. So, Do just One Click on Link.....
List four major sources of external financing for the non-financial .pdfaircommonline
List four major sources of external financing for the non-financial firms in developed economies
and provide a brief explanation of the relevant importance of those sources using the United
States as an example.
Explain the relevant importance of debt vs. equity financing and the reasons for the mass-media
preoccupation with equity markets (2 points)
Explain the relevant importance of marketable securities vs. non-marketable securities (1 point)
Explain the relative importance of direct vs. indirect finance (1 point)
Solution
exteranal funds refers to the funds that firms obtain from outside of the firm, means the persons
are not beonging to the firm.
the major sources are: Debenture capital, Term laons,Deferred credit and leasing and Hire
Purchase.
Debenture capital: A debenture is a marketable legal contract whereby the company promises to
pay its owner, a specified rate of interest for a defined period of time and the capital repayment
on maturity date.
Term Loans: these constitute one of the major sources of debt finance for a long term project.
term loans are generally repayable in more than one year but less than 10 years. these loans are
offered by financial institutions like IDBI, IFCI and ICICI etc. the sailent features of term loans
are the fixed interest rates, and longer periods.
Deferred Credit: This facility is offered by the supplier of a machinery , where the buyer can pay
the purchase price in installments spread over a period of time. Bill Rediscounting, Supplier\'s
Line of Credit, Seed Capital investment are the some of the examples.
Leasing and Hire Purchase: Leasing is a contractual agreement between the lessor and the lessee,
where in companies can enter into lease deal with the manufacturer of the equipment and the
payment will be like their agreement. once the conrtact is over, the ownership should return to
the owner.
in hire purchae, the process is same, but once the payments are over the ownership transfered to
the lessee.
debt financing is the best example of external financing, where the company has to repay the
capital along with predetermined interest to the provider. in equity markets, all the investors who
bought share are called owners of the company and they carries some obligations and rights.
these shareholders have voting rights in decision making.
marketable securites can be easily convertible into currency, which are carrying liquidity feature,
where as non marketable securities carries lesser liquidity.
direct finance facilitates to control or to get some power or authority in the firm where as indirect
finance dont have the facility..
The secret way to sell pi coins effortlessly.DOT TECH
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Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
where can I find a legit pi merchant onlineDOT TECH
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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.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
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@Pi_vendor_247
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.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
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Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
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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.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
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how can i use my minded pi coins I need some funds.
Financial needs & sources of finance of a part 1
1.
2. Financial Needs & Sources of Finance of a Business
1. Long-term financial needs: For starting business, business needs fund for buying
fixed assets like machinery, land, plant and building. This requirement may be of 10
to 15 years.
The important sources of long-term finance are :-
Issue of shares
Issue of debentures
Loans from financial institutions
Reinvestment of profits
2. Medium-term financial needs: Such requirements refer to funds for a period
exceeding one year but not exceeding 5 years. . It involves financing certain activities
like renovation of buildings, modernization of machinery, heavy expenditure on
advertising, etc.
The important sources of mid-term finance are :-
Preference shares
Debentures/Bonds
Public deposits/fixed deposits for a duration of three years
Financial institutions
3. 3. Short term financial needs: Short term financial needs are for fulfilling the
working capital requirements. In this, we manage to get short term loan
which will be repayable within one year.
The important sources of short-term finance are :-
Banks
Trade credit
Installment credit
Advances received from customers
4. Long Term Sources of Finance
a)Owner’s Capital or Equity: A public limited company may raise funds from
promoters or from the investing public by way of owners' capital or equity
capital by issuing ordinary equity shares. Ordinary shareholders are owners of
the company and they undertake the risks inherent in business. In other word,
Owner’s equity, often just called equity, represents the value of the assets that
the owner can lay claim to.
b)Preference Share Capital: The money or capital that a company raise from
selling preference shares. Shareholders with these shares must be paid before
those with ordinary shares when a company is paying dividends or if it goes
bankrupt. The rate of dividend on preference shares is normally higher than
the rate of interest on debentures, loans, etc.
c)Debentures or Bonds: Debenture is a document of loan taken by the
company. A debenture is a written acknowledging a debt containing provisions
as regarding the repayment of principal and payment of interest at fixed rate.
Debenture includes debenture stock, bonds and other securities of a company.
5. d) Types of Debentures
1. Bearer Debenture: The names of the holders of such debenture are not
registered in the company’s book. Such debentures are transferable
merely by physical delivery of the document.
2. Registered Debenture: The names and addresses of such debenture
holders are registered in the company’s book. Such a debenture is not
transferable by mere delivery. The transfer of debentures in this case
requires the execution of proper transfer deed.
3. Naked Debenture: The debenture which does not have security is
known as naked debenture. It is also called as unsecured or simple
debentures.
4. Secured Debenture: The debenture which is secured either on a
particular assets or on the whole assets of the company is known as
secured debenture.
5. Redeemable Debenture: The debenture which is issued for a particular
fixed period is known as redeemable debenture. On the expiry of the
fixed period, the principal amount of debenture is paid off to the
debenture holder.
6. 6. Irredeemable Debenture: It is also known as perpetual debenture,
which is not redeemable during the life time of the company. It is
redeemable only at the time of liquidation of company.
7. Convertible Debenture: The debenture which is convertible into
shares of the company, after some time at the option of debenture
holder is termed as convertible debenture.
8. Non-Convertible Debenture: The debenture which is not convertible
into shares of the company is termed as non-convertible debenture.
7. e)New Financial Instrument:
Participating preference shares
Non-voting shares
Detachable equity warrants
Participating debentures
Convertible debentures redeemable at premium
Zero coupon convertible note
Mortgage backed securities
f) Loans From Financial Institution: The specialized institutions provide long-
term financial assistance to industry i.e. term loan. Term loan is a loan made
by bank/financial institution to a business having an initial maturity of more
than one year. Term loans represent secured borrowings and at present it is the
most important source of finance for new projects. They generally carry a rate of
interest inclusive of interest tax, depending on the credit rating of the borrower,
the perceived risk of lending and the cost of funds. These loans are generally
repayable over a period of 6 to 10 years in annual, semi-annual or quarterly
installments.
8. g)Internal Accrual: This basically means what is being ploughed back in
business i.e., retained earnings and the depreciation charge. While depreciation
is used for replacing an old machinery etc., retained earnings can be used, for
finding other long-term requirements of the business.
Advantages
Retained earnings are easily available internally.
It eliminates issue and transaction cost.
No dilution of control.
Disadvantages
Only limited amount can be raised.
High opportunity cost.
9. Issues of Securities
Public Issue: Companies issue securities in the public in the primary market
and get them listed in the stock exchange. Initial public offerings are used by
companies to raise expansion capital, to possibly monetize the investments of
early private investors, and to become publicly traded enterprises. The issuer
obtains the assistance of an underwriting firm, which provide a valuable
service, which includes help with correctly assessing the value of shares (share
price), and establishing a public market for shares (initial sale).
Private Placement: The sale of securities to a relatively small number of select
investors as a way of raising capital. Investors involved in private placements
are usually large banks, mutual funds, insurance companies and pension funds.
Private placement is the opposite of a public issue, in which securities are made
available for sale on the open market.
10. Right Issue: A rights issue is an issue of rights to buy additional
securities in a company made to the company's existing security
holders. A rights issue is directly offered to all shareholders of record or
through broker dealers of record and may be exercised in full or
partially. Subscription rights may either be transferable, allowing the
subscription-rights holder to sell them privately, on the open market or
not at all. A rights issue to shareholders is generally made as a tax-free
dividend on a ratio basis (e.g. a dividend of one subscription right for
one share of Common stock issued and outstanding).
11. Bought Out Deals: A bought deal is one form of financial arrangement often
associated with an Initial Public Offering. It occurs when an underwriter, such
as an investment bank or a syndicate, purchases securities from an issuer before
a preliminary prospectus is filed. The investment bank (or underwriter) acts as
principal rather than agent and thus actually "goes long" in the security. The
bank negotiates a price with the issuer (usually at a discount to the current
market price, if applicable).
Advantages of Bought Out deals are:-
Bought deals are usually priced at a larger discount to market than fully
marketed deals, and thus may be easier to sell.
The issuer/client may only be willing to do a deal if it is bought (as it eliminates
execution or market risk.
12. Euro Issues: Simply when company taps the European Market for their
financial requirements especially for financing projects in the infrastructure
sector like power generation, telecommunication, petroleum exploration and
refining, ports, airports and roads. Where the resources are raised through the
mechanism of Euro Issues i.e., Global Depository Receipts (GDRs), Foreign
Currency Convertible Bonds (FCCB) and pure debt bonds. These investments
are issued abroad and listed and traded as a foreign stock exchange. Once they
are converted into equity, the underlying shares are listed and traded on the
domestic exchange.