I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
Expertise:
Management Sciences, Business Management, Marketing, HRM, Banking, Business Marketing, Corporate Finance, International Business Management
For Order Online:
Whatsapp: +923452502478
Portfolio Link: https://blueprismacademia.wordpress.com/
Email: arguni.hasnain@gmail.com
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A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
I’m a young Pakistani Blogger, Academic Writer, Freelancer, Quaidian & MPhil Scholar, Quote Lover, Co-Founder at Essar Student Fund & Blueprism Academia, belonging from Mehdiabad, Skardu, Gilgit Baltistan, Pakistan.
I am an academic writer & freelancer! I can work on Research Paper, Thesis Writing, Academic Research, Research Project, Proposals, Assignments, Business Plans, and Case study research.
Expertise:
Management Sciences, Business Management, Marketing, HRM, Banking, Business Marketing, Corporate Finance, International Business Management
For Order Online:
Whatsapp: +923452502478
Portfolio Link: https://blueprismacademia.wordpress.com/
Email: arguni.hasnain@gmail.com
Follow Me:
Linkedin: arguni_hasnain
Instagram : arguni.hasnain
Facebook: arguni.hasnain
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
Studied the objectives,code of bank’s commitment to customers, The micro.small and medium enterprises development act 2006,code of bank’s commitment to MSEs and banking ombudsman
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
Studied the objectives,code of bank’s commitment to customers, The micro.small and medium enterprises development act 2006,code of bank’s commitment to MSEs and banking ombudsman
The webinar will provide enriching insights of Credit appraisal, why it is required and the advantages of the same. The key areas of elucidation will include banker's preference for credit appraisal, traditional method Vs current trends, understanding various business models. The discussion shall also include the role of Chartered Accountants in credit appraisal, the edge CA's have over others and also the added advantages it brings in to their professional practise.
Comparison of india with other countries using world development indicatorsAnagha Jayakumar
Comparison of world development indicators of India with China, Brazil, Bhutan, Singapore, Germany and United States.China was selected for comparison because of the tight competition in which India and China is being engaged in for becoming a developed nation. Brazil for having a similar economic structure and also because of being a friend in BRICS. Bhutan was selected to see the comparison between two neighboring country, one being very small and other one little big. Singapore was being selected because it was staying ahead in many lists indicating the development. US, Germany and Brazil was selected to have a comparison with the developed countries. Parameters selected for comparison were GDP, GDP per Capita, GDP growth, Population Growth, Exports, Imports, Ratings on Corruption, Crime rate, Income Inequality, Easy of Doing Business, Gross Happiness Index and Happiness Index.
Gamification in hr pw c case study - Manu Melwin Joymanumelwin
The human resources department of any company has the tricky task of trying to recruit the best candidates, then keeping them on staff once they’ve been hired. It’s a tall order. With most job searches now conducted over the Internet, a job candidate can be lost with a single click.
Types of Securities - Medium Term Notes and Euro Medium Term Notes Dirk Coetzer
With expertise in trade finance and fund management, Dirk Coetzer serves as the managing director of ICON Capital Sarl, a Luxembourg-based firm dedicated to managing the ICON Investments Fund. Through the fund, Dirk Coetzer and his colleagues work with various types of securities, including medium-term notes (MTNs) and Euro medium -term notes (EMTNs).
This PPT is useful for SYBMS Finance Specialization students
CLASS: SYBMS (FINANCE)
SUB:- BASICS OF FINANCIAL SERVICES
CHP:- 4 Development Banks &
Commercial Banks
By Mukund P Unny
The practice of lending and borrowing is millenniums old. The concept of banking was incepted ever since humans started engaging in economic transactions of any kind. The banking system has evolved since then. We have well-established banks now in the 21st century-huge ones having more than $1 trillion in assets. The banking (or credit) sector is one that hold the reins of the world economy. Without the presence of a well-established credit-system, we cannot expect the economy to roll on. A dynamic banking system is essential for a thriving economy.
Traditionally India’s tax regime relied heavily on indirect taxes. Revenue from indirect taxes was the major source of tax revenue till tax reforms were undertaken during nineties. The major argument put forth for heavy reliance on indirect taxes was that the India’s majority of population was poor and thus widening base of direct taxes had inherent limitations. But the Indian system of indirect taxation is characterized by cascading, distorting tax on production of goods and services which leads to hampering productivity and slower economic growth. There are endless taxes in present system few levied by Centre and rest levied by state, to remove this multiplicity of taxes and reducing the burden of the tax payer a simple tax is required and that is Goods and Service Tax (GST). This paper throws an insight into the Goods and Service Tax concept, advantages, disadvantages and international scenario
Micro, small and medium enterprises is a vibrant, dynamic and fastest growing sector of Indian economy in complementary with the large industries. They are enormously contributing towards the socio-economic development of the country. MUDRA is an effort to ‘fund the unfunded’ like how microfinance has been to ‘bank the unbanked’. The paper aims to understand the Mudra yojana and its significance; to examine the progress of Mudra and to analyse the pattern and amount of loans advanced to Tamil Nadu. To conclude this PMMY which is a good initiative from the part of government to encourage entrepreneurs is going to bring about a dramatic change in the MSME sector.
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
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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.
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
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Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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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
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
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
2. Non Performing Asset (NPA)
Non per forming asset shall be an advance where:
* Interest and /or installment of principal remain overdue for a period of
more than 180 days in respect of a Term Loan,
* The account remains 'out of order' for a period of more than 180 days,
in respect of an overdraft/ cash Credit(OD/CC),
* The bill remains overdue for a period of more than 180 days in the
case of bills purchased and discounted,
* Interest and/ or installment of principal remains overdue for two
harvest seasons but for a period not exceeding two half years in the
case of an advance granted for agricultural purpose, and
* Any amount to be received remains overdue for a period of more than
180 days in respect of other accounts.
4. Types of NPA
a) Gross NPA:
The sum total of all loan assets that are classified as NPAs as per RBI
guidelines as on Balance Sheet date. Gross NPA reflects the quality of
the loans made by banks. It consists of all the nonstandard assets like
as sub-standard, doubtful, and loss assets. It can be calculated with the
help of following ratio:
GROSS NPA = GROSS NPA/ GROSS ADVANCE
b) Net NPA:
Those type of NPAs in which the bank has deducted the provision
regarding NPAs. Net NPA shows the actual burden of banks. In India,
bank's balance sheets contain a huge amount of NPAs and the process
of recovery and write off of loans is very time consuming, the provisions
the banks have to make against the NPAs according to the central bank
guidelines, are quite significant. That is why the difference between
gross and net NPA is quite high. It can be calculated by following:
NET NPA=(GROSS NPA-PROVISION)/(GROSS ADVANCE –
PROVISION) X 100
5. Reasons for an account becoming
NPA:
1) Internal Factors:
Funds borrowed for a particular purpose but not use for the said
purpose.
Project not completed in time.
Poor recovery of receivables.
Excess capacities created on non-economic costs.
In-ability of the corporate to raise capital through the issue of equity
or other debt instrument from capital markets.
Business failures.
Diversion of funds for expansionmodernizationsetting up new
projects helping or promoting sister concerns.
Willful defaults, siphoning of funds, fraud, disputes, management
disputes, misappropriation etc.
Deficiencies on the part of the banks viz. in credit appraisal,
monitoring and follow-ups, delaying settlement of payments
subsidiaries by government bodies etc.,
6. 2) External Factors:
Sluggish Legal System i.e. long legal tangles, changes that
had taken place in labour laws & lack of sincere effort.
Scarcity of raw material, power and other resources.
Industrial Recession.
Shortage of raw material, raw material / input price
escalation, power shortage, industrial recession, excess
capacity, natural calamities like floods, accidents.
Failures, nonpayment over dues in other countries,
recession in other countries, externalization problems,
adverse exchange rates etc.
Government policies like excise duty changes, Import duty
changes etc.
7. Reasons for Occurrence of
NPAs
These loans can occur due to the following reasons:
Normal banking operations
Bad lending practices
Incremental component (due to internal bank
management, like credit policy, terms of credit, etc...)
Competition banks are enormously selling unsecured
loans
8. Impact of NPA:
Profitability
Liquidity
Involvement of Management
Credit Loss
9. Financial:
* Non-payment of the very first installment in case of
term loan.
* Bouncing of cheques due to insufficient balance in
the accounts.
* Irregularity in installment.
* Irregularity of operations in the accounts.
* Unpaid overdue bills
* Declining Current Ratio.
* Payment which does not cover the interest and
principal amount of that installment.
* While monitoring the accounts it is found that
partial amount is diverted to sister concern or parent
company.
Others:
Change in government plans
Death of borrowers
Competition in the market
Attitudinal Changes:
* Use for personal comfort, stocks and shares
by borrower.
* Avoidance of contact with bank.
* Problem between partners.
Operational and Physical:
* If information is received that the borrower
has either initiated the process of winding up
or are not doing the business.
* Overdue receivables.
* Stock statement not submitted on time.
* External non-controllable factor like natural
calamities in the city where borrower conduct
his business.
* Nonpayment of wages.
Symptoms of
NPA
10. How to reduce NPA?
Some steps are as follows by which bank can reduce NPA -
1. SARFAESI ACT 2002 - The Securitisation and
Reconstruction of Financial Assets and Enforcement of
Security Interest Act, 2002 (SARFAESI) empowers Banks /
Financial Institutions to recover their non-performing assets
without the intervention of the Court.
2. Lok Adalats: Lok Adalat is for the recovery of small loans.
According to RBI guidelines issued in 2001, they cover NPA up
to Rs. 5 lakhs, both suit filed and non-suit filed are covered.
3. Compromise Settlement: It is a scheme which provides a
simple mechanism for recovery of NPA. It is applied to advances
below Rs. 10 Crores.
4. Credit Information Bureau: A Credit Information Bureau help
banks by maintaining a data of an individual defaulter and
provides this information to all banks so that they may avoid
lending to him/her.
5. Debt Recovery Tribunals: The debt recovery tribunal act was
passed by Indian Parliament in 1993 with the objective of
facilitating the banks and financial institutions for speedy
11. Preventive Measurement for
NPA
Early Recognition of the Problem
Identifying Borrowers with genuine intent.
Timeliness & Adequacy of response
Focus on Cash flows
Management Effectiveness
Multiple Financing