This document discusses various types of financial services including leasing, hire purchase, and venture capital. It provides details on:
- The process of leasing, including the steps and types (finance lease, operating lease, sale and leaseback).
- How hire purchase works, including terms, process, and features.
- The meaning of venture capital, how it provides funding to startups and small businesses, and characteristics like long time horizon and equity participation.
- The development of venture capital in India, including the first VCFs established and rules/regulations from SEBI and the Indian Venture Capital and Private Equity Association.
this ppt is about the financial services .whats the financial services, types of financial services,functions of financial services,importance of financial services,features of financial services,Indian financial system as well as international financial management.
this ppt is about the financial services .whats the financial services, types of financial services,functions of financial services,importance of financial services,features of financial services,Indian financial system as well as international financial management.
Marketing is the activity, set of institutions, and processes for creating, communicating, delivering, and exchanging offerings that have value for customers, clients, partners, and society at large
Services marketing is a sub-field of marketing, The promotion of economic activities offered by a business to its clients. Service marketing might include the process of selling telecommunications, health treatment, financial, hospitality, car rental, air travel, and professional services.
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
Financial Services -Nature and scope of financial services- introduction-Objective-meaning of financial services - classification of financial service industry- Challenges Facing the Financial Services Sector
Financial innovation - causes of financial innovation - Innovative Financial Instruments
Financial Service Industry- Emergence and developments- Fund based services - Merchant banking - Non-fund based services - Leasing and hire purchasing- Bill discounting and Factoring- Forfaiting- Securitization- Mutual Funds - Venture capital funds - Depository participants.
This ppt is covering lease finance in detail, covering advantages & disadvantages. Types of lease. Instead of doing hard work rely on smart work. Time you devote on copy pasting. Channelize that time in understanding topic via reading it.
Discover:
- What is asset finance & why use it?
- What assets can be financed?
- Understand the different types of asset finance
- Choosing the right type of asset finance for you
Lease Financing
Terminology
The advantages of leasing
Limitation of leasing
Types of Leasing
Financial lease
Operating lease
Sale and lease back
Leveraged leasing
Direct leasing
Other types
Problems of leasing in India
Leasing is a process by which a firm can obtain the use of a certain fixed assets for which it must pay a series of contractual, periodic, tax deductible payments.
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.
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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.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
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how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
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.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
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
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
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.
2. • Financial services refer to services
provided by the finance industry.
The finance industry encompasses
a broad range of organizations that
deal with the management of
money. Among these organizations
are banks, credit card
companies, insurance
companies, consumer finance
companies, stock
brokerages, investment funds and
some government sponsored
enterprises. 2
* INTRODUCTION
3. * FINANCIAL INTERMEDIATION
* It is a process by which funds are mobilized from a large
number of savers and make them available to those who are
in need of it.
* It means “ mobilizing and allocating SAVINGS”
* It includes all the activities involved in the transformation
of SAVINGS into INVESTMENTS
* It can also be called as financial intermediation.
4. 4
* IMPORTANCE OF FINANCIAL SERVICES
*Economic Growth (Employment)
*Promotion of Savings (Interest)
*Capital Formation (used in industries)
*Provision of Liquidity (providing to those who need
it)
*Financial Intermediation
*Contribution to GNP
5. 5
* SCOPE OF FINANCIAL SERVICES
1. FUND BASED ACTIVITIES: includes
* Underwriting (subscription of shares and
debentures)
* Dealing in secondary market activities. (stock
market)(selling of already sold shares)
* Participating in money market instruments. (short
term funds)
* Leasing, hire-purchase, venture capital, etc.
6. 6
FEE BASED ACTIVITIES: includes
• Managing the capital issues (generation of capital)
• Arrangements for placement of equity (profits) and
debt (interest) instruments
• Arrangement of funds from financial institutions
• Assisting in Government and other clearance
7. B. MODERN ACTIVITIES
It includes
* Rendering project advisory services. (consultancy fee)
* Planning for mergers and acquisitions.
* Acting as trustee to the debenture-holder (interest)
* Hedging of risks. (avoidance of future risk)
* Managing the portfolio of large public sector companies.
* Undertaking risk management services.
8. 8
* FINANCIAL INSTRUMENTS
* Commercial Papers
* Treasury Bills
* Certificates of Deposit
* Inter-bank Participation(IBPs)
* Option Bonds
* Medium Term Maturity
* Equity with 100% Safety Net
* Convertible Bonds
* Flip-Flop Notes
* Loyalty Notes
* Convertible Bonds with a Premium Put
* Debentures with „Call‟ and „Put‟ features
* Easy Exit Bonds
9. 9
* FINANCIAL SERVICES AND PROMOTION
OF INDUSTRIES
*Industrial promotion through Merchant Banking
Services
*Working Capital Finance Through Factoring
Services
*Equipment Finance through Leasing
*Financial resources through Mutual Funds
*Long-term Risk Capital through Venture Capital
11. .
*Leasing is an arrangement that provides firm with the use
and control over assets without buying and owing the same.
*It is a contract between the owner of asset (lessor) and the
user of asset(lessee)
*The lessee agrees to pay a number of fixed or flexible
installments over an agreed period to the lessor called as
lease rental.
*LEASING
14. *FEATURES
*Leasing a product is similar to renting it
*A contract lasts over a number of years, usually between 2 and
10, depending on the cost and usable life of the product.
*Have the full use of a piece of equipment without having to
pay the full cost of the item in one go.
15. *TYPES OF LEASING
Sale and leaseback Direct leasing
Leveraged lease Operating lease
Finance lease
16. *FINANCIAL LEASE
*Long-term, non-cancellable lease contracts are known as
financial leases.
*The essential point - it contains a condition whereby the
lessor agrees to transfer the title for the asset at the
end of the lease period at a nominal cost.
*At lease it must give an option to the lessee to purchase the
asset he has used at the expiry of the lease.
*High cost high tech equip.
17. *The lease agreement is irrevocable.
*All the risks incidental to the asset ownership are
transferred to the lessee who bears
the cost of maintenance,
insurance and repairs.
*Only title deeds remain with the lessor.
18. *SALE AND LEASEBACK
*Sub-part of finance lease
*The owner of an asset sells the asset to a party (the
buyer), who in turn leases back the same asset to the owner
in consideration of lease rentals.
*This enables a firm to receive cash from sale of asset and
also retain the economic use of asset in consideration of
lease rental.
19. *Sale and lease back transaction is suitable for those
assets, which are not subjected depreciation but
appreciation, like land.
*The seller assumes the role of a lessee and the buyer
assumes the role of a lessor.
*The seller gets the agreed selling price and the buyer gets the
lease rentals.
20. *OPERATING LEASE
*Contrast to the financial lease
*A lease agreement gives to the lessee only a limited right to
use the asset.
*The lessor is responsible for the upkeep and maintenance of
the asset.
*The lessee is not given any uplift to purchase the asset at
the end of the lease period.
21. *LEVERAGED LEASE
*A third party is involved beside lessor and lessee.
*The lessor borrows a part of the purchase cost (say 8 0 %) of
the asset from the third party i.e., lender
*The asset so purchased is held as security against the loan.
*The lender is paid off from the lease rentals directly by the
lessee and the surplus after meeting the claims of the lender
goes to the lessor.
23. *DIRECT LEASING
*Under direct leasing, a firm acquires the right to use an
asset from the manufacturer directly.
*The ownership of the asset leased out remains with the
manufacturer itself.
24. *ADVANTAGES OF LEASING
*No large outlay:
The cost is spread over a number of years; there is no need to pay the
entire amount upfront.
*Security:
The product is still owned by the leasing company, meaning that they
have better security on finance.
*Flexibility and convenience
The lease agreement can be tailor- made in respect of lease
period and lease rentals according to the convenience and
requirements of all lessees
25. *DISADVANTAGES OF LEASING
*No Ownership
*Costly option - high interest
rates, costlier than straight buying
*Long Term Expense
*Maintenance
*No working capital
26. 26
*HIRE-PURCHASE
*An agreement under which goods are let on hire and under
which the buyer (hirer) has an option to purchase them from
vendor (hiree) in accordance with the terms of the agreement
*Hire purchase is used to buy expensive items which a person
cannot afford to pay outright: e.g. a car A down payment is
usually paid and the balance is paid over several months
(monthly installments).
27. *HIRE-PURCHASE FEATURES
*Goods are let out on finance by a finance company to the
hire purchaser customer
*Buyer is required to pay an equal amount of periodic
installments during a given period
*Ownership transfers at the payment of the last installment
28. *TERMS OF HIRE-PURCHASE
*In hire purchase the hiror has to follow the
agreement and he cannot terminate the contract. The
seller can however, terminate the agreement in case
of default of purchaser hire purchase price is higher
than cash price, because interest element is added in
this price
29. *PROCESS OF HIRE-PURCHASE
*The vendor, contracts with finance co. for
financing his hire purchase deals.
* The customer selects the goods for HP, and dealer arranges for
the complete set of documents
*Down payment by customer on completion of proposal form
*Dealer sends documents to finance co. with request to purchase
the goods, and accept the HP transaction.
*The finance co. signs the agreement and sends copy a long with
EMI details to dealer
*Dealer delivers the goods to the customer, property passes on to
the finance co.
*Hirer pays EMIs, and on last payment , the ownership passes on
to him, with loan completion certificate by the finance co.
30. *Many kinds of business asset are suitable for financing using
hire purchase or leasing , including:-
Plant and machinery
Business cars
Commercial vehicles
Agricultural equipment.
Hotel equipment
Medical and dental equipment
Computers, including software packages
Office equipment
32. *MEANING
Venture capital means funds made available
for startup firms and small businesses with
exceptional growth potential.
Venture capital is money provided by professionals who
alongside management invest in young, rapidly growing
companies that have the potential to develop into significant
economic contributors.
33. Venture Capitalists generally:
*Finance new and rapidly growing companies
*Purchase equity securities
*Assist in the development of new products or services
*Add value to the company through active participation.
34. *ACCORDING TO SEBI:
The SEBI has defined Venture Capital Fund in its
Regulation 1996 as „a fund established in the form of
a company or trust which raises money through
loans, donations, issue of securities or units as the
case may be and makes or proposes to make
investments in accordance with the regulations’.
36. 36
*ADVANTAGES
*It injects long term equity finance which provides a
solid capital base for future growth.
*The venture capitalist is a business partner, sharing
both the risks and rewards. Venture capitalists are
rewarded by business success and the capital gain.
*The venture capitalist is able to provide practical
advice and assistance to the company based on past
experience with other companies which were in
similar situations.
37. 37
*ADVANTAGES
The venture capitalist also has a network of contacts
in many areas that can add value to the company.
Venture capitalists are experienced in the process of
preparing a company for an initial public offering
(IPO) of its shares onto the stock exchanges or
overseas stock exchange such as NASDAQ.
They can also facilitate a trade sale.
38. 38
*METHOD OF VENTURE FINANCING
The financing pattern of the deal is the most important
element. Following are the various methods of
venture financing:
*Equity
*Conditional loan
*Income note
*Participating debentures
*Quasi equity
41. 41
*DEVELOPMENT OF VENTURE
CAPITAL IN INDIA
*The concept of venture capital was formally
introduced in India in 1987 by IDBI.
*The government levied a 5 per cent cess on all
know-how import payments to create the venture
fund.
*ICICI started VC activity in the same year
*Later on ICICI floated a separate VC
company - TDICI
42. 42
*VENTURE CAPITAL FUNDS IN INDIA
VCFs in India can be categorized into following five groups:
1) Those promoted by the Central Government controlled
development finance institutions. For example:
- ICICI Venture Funds Ltd.
- IFCI Venture Capital Funds Ltd (IVCF)
- SIDBI Venture Capital Ltd (SVCL)
2) Those promoted by State Government controlled
development finance institutions.
For example:
- Punjab Infotech Venture Fund
- Gujarat Venture Finance Ltd (GVFL)
- Kerala Venture Capital Fund Pvt Ltd.
43. 43
3) Those promoted by public banks.
For example:
- Canbank Venture Capital Fund
- SBI Capital Market Ltd
4) Those promoted by private sector
companies.
For example:
- IL&FS Trust Company Ltd
- Infinity Venture India Fund
5)Those established as an overseas venture capital fund.
For example:
- Walden International Investment Group
- HSBC Private Equity
management Mauritius Ltd
44. 44
*RULES AND REGULATIONS OF VC IN
INDIA
RULES BY SEBI:
VCF are regulated by the SEBI (Venture Capital Fund)
Regulations, 1996.
The following are the various provisions:
A venture capital fund may be set up by a company or a
trust, after a certificate of registration is granted by SEBI on
an application made to it. On receipt of the certificate of
registration, it shall be binding on the venture capital fund
to abide by the provisions of the SEBI Act, 1992.
45. 45
*INDIAN VENTURE CAPITALAND PVT
EQUITY ASSOCIATION
It was established in 1993 and is based in Delhi, the capital
of India
It is a member based national organization that
- represents venture capital and private equity firms
- promotes the industry within India and throughout the
world
- encourages investment in high growth companies and
- supports entrepreneurial activity and innovation.
46. 46
*It IVCA members comprise venture capital
firms, institutional investors, banks, incubators, angel
groups, corporate
advisors, accountants, lawyers, government
bodies, academic institutions and other service providers to
the venture capital and private equity industry.
*Members represent most of the active venture capital and
private equity firms in India. These firms provide capital for
seed ventures, early stage companies and later stage
expansion.
47. 47
*VC can help in the rehabilitation of sick units.
*VC can assist small ancillary units to upgrade their
technologies
*VCFs can play a significant role in developing countries in
the service sector including tourism, publishing, health care
etc.
*They can provide financial assistance to people coming out
of universities, technical institutes, etc thus promoting
entrepreneurial spirits
*FUTURE PROSPECTS OF VC IN INDIA