Rural Islamic Credit Card is conceptualized to extend financing to farmers in a convenient and cheap manner but in compliance with the Shariah. This is to help farmers in overcoming the financial difficulties to meet their working capital needs. The objective is to leverage on Islamic Banking Principles to provide financing in convenient and interest free manner to establish a just and balanced social order free from exploitation. A salient feature of this proposed product is to provide Shariah compliant financing to farmers to purchase high quality crop inputs with the amount being repaid through the sale of the crop on harvest. But it must be noted here that this proposed product has not obtained approval from the authorities. Readers are invited to give their views on this product.
Based on Islamic Finance principles, Conventional Credit Cards are considered as Unpermissible as it doesn’t comply with the Shariah requirement and Interest element is involved. Hence, Islamic Credit Cards were introduced and can be considered as one of the innovative financing products offered by Islamic Financial Institution to meet the demand for interest free credit cards. The slides will provide functions, features and contracts used in Islamic Credit Card.
Tapping into islamic finance for non muslimsLokesh Gupta
Islamic Banking is growing, however there is a misconception that it is meant for Muslims only. The fact is, it is meant for all and this presentation should help in understanding the concept and services to serve both Muslims and Non Muslims.
Copyright : RM Applications Sdn Bhd (www.rma.com.my)
These slides aim to provide an overview on the Islamic Banking, with an extensive coverage on the products and services offered along with the profit computation method. We have tried to address the common questions are asked about Islamic Banking, What is Islamic Banking? How is it different from Conventional Banking? How Islamic Product works? Challenges Faced by Banks etc.
Credit card with Moral Consciousness whereby it
allows cardholders to redeem their rewards
points to donate to charity, thus making
it easier to turn unused points into cash
donation. The Card with Charity is based on simple modus operandi ‘Spending and Sharing’ will not only satisfy the payment needs but also the need of conscious customers to perform charity.
ISSUES AND RECOMMENDATIONS IN MUSHARAKAH MUTANAQISAH HOUSE FINANCINGWan Zaleha Zainudin
BY ZALEHA ZAIN.
In our world nowadays, the contract of Al-Bay’ Bithaman Ajil (BBA) had always been used for long time duration of financing. For example, home financing. In Malaysia also, this concept is popular and it showed that at the Kuala Lumpur High Court alone, 90% of the 3,200 Muamalat cases registered between 2003 to 2009 concerns BBA . While the BBA is popular, it has proven to be quite unsatisfactory to the customers and bankers. That’s why Musharakah Mutanaqisah concept is being argued as a better contract than BBA for long time duration.
THIS PAPER DISCUSSED ON THE ISSUES AND RECOMS OF MM.
Based on Islamic Finance principles, Conventional Credit Cards are considered as Unpermissible as it doesn’t comply with the Shariah requirement and Interest element is involved. Hence, Islamic Credit Cards were introduced and can be considered as one of the innovative financing products offered by Islamic Financial Institution to meet the demand for interest free credit cards. The slides will provide functions, features and contracts used in Islamic Credit Card.
Tapping into islamic finance for non muslimsLokesh Gupta
Islamic Banking is growing, however there is a misconception that it is meant for Muslims only. The fact is, it is meant for all and this presentation should help in understanding the concept and services to serve both Muslims and Non Muslims.
Copyright : RM Applications Sdn Bhd (www.rma.com.my)
These slides aim to provide an overview on the Islamic Banking, with an extensive coverage on the products and services offered along with the profit computation method. We have tried to address the common questions are asked about Islamic Banking, What is Islamic Banking? How is it different from Conventional Banking? How Islamic Product works? Challenges Faced by Banks etc.
Credit card with Moral Consciousness whereby it
allows cardholders to redeem their rewards
points to donate to charity, thus making
it easier to turn unused points into cash
donation. The Card with Charity is based on simple modus operandi ‘Spending and Sharing’ will not only satisfy the payment needs but also the need of conscious customers to perform charity.
ISSUES AND RECOMMENDATIONS IN MUSHARAKAH MUTANAQISAH HOUSE FINANCINGWan Zaleha Zainudin
BY ZALEHA ZAIN.
In our world nowadays, the contract of Al-Bay’ Bithaman Ajil (BBA) had always been used for long time duration of financing. For example, home financing. In Malaysia also, this concept is popular and it showed that at the Kuala Lumpur High Court alone, 90% of the 3,200 Muamalat cases registered between 2003 to 2009 concerns BBA . While the BBA is popular, it has proven to be quite unsatisfactory to the customers and bankers. That’s why Musharakah Mutanaqisah concept is being argued as a better contract than BBA for long time duration.
THIS PAPER DISCUSSED ON THE ISSUES AND RECOMS OF MM.
Rbi inflation linked bonds 2013 - National Savings Securities Jagoinvestor
RBI has announced that its going to issue Inflation Indexed National Savings Securities - Cumulative (IINSS-C) for retail investors where one can invest and get returns which will be 1.5% more than the Inflation. These bonds are now coming up as it was announced in the last budget that govt will bring inflation linked products from govt
More at - http://www.jagoinvestor.com/?p=19187
Vehicle loans are given for both used as well as own vehicles. However, if the loan is being taken for used vehicle then it is mandatory that it is not more than five years old. Although some banks provide 100% finance, however financing 80% of the vehicle value is usually the norm. The main security for this type of loan is the vehicle itself. However, getting the vehicles fully insured is the most important factor that banks consider before giving vehicle loans.
Regulating Islamic Banking : A Malaysian PerspectiveLokesh Gupta
This paper provides an insight of importance of regulations and supervisory structures for Islamic Banking System. This builds up public confidence and ensure well-being of the Economy. It also covers the various initiatives taken by the Central Bank of Malaysia for Islamic Banks to counter future risks and to maintain financial stability in the financial sector.
Rbi inflation linked bonds 2013 - National Savings Securities Jagoinvestor
RBI has announced that its going to issue Inflation Indexed National Savings Securities - Cumulative (IINSS-C) for retail investors where one can invest and get returns which will be 1.5% more than the Inflation. These bonds are now coming up as it was announced in the last budget that govt will bring inflation linked products from govt
More at - http://www.jagoinvestor.com/?p=19187
Vehicle loans are given for both used as well as own vehicles. However, if the loan is being taken for used vehicle then it is mandatory that it is not more than five years old. Although some banks provide 100% finance, however financing 80% of the vehicle value is usually the norm. The main security for this type of loan is the vehicle itself. However, getting the vehicles fully insured is the most important factor that banks consider before giving vehicle loans.
Regulating Islamic Banking : A Malaysian PerspectiveLokesh Gupta
This paper provides an insight of importance of regulations and supervisory structures for Islamic Banking System. This builds up public confidence and ensure well-being of the Economy. It also covers the various initiatives taken by the Central Bank of Malaysia for Islamic Banks to counter future risks and to maintain financial stability in the financial sector.
What is Islamic Microfinance? Making it a Sustainable RealityDinarStandard
Rafi-uddin Shikoh (CEO, Dinar Standard) presentation on Islamic microfinance for Ethica Institute Webinar. Topics covered:
- Global micro-finance landscape, social impact, and short comings today
- Social needs for micro-finance in Muslim majority countries
- Islamic micro-finance landscape: Key players and success stories
- Islamic micro-finance core models and structures
A set of tables shared by Linda Jones (one of the authors) describing a range of finance instruments and products that are useful for facilitators of inclusive market development.
GPPS Merchant Presentation Gopro Aug2011[1]Jim Anderson
New program that buys down to a 550 Credit Score with Zero Down.Our price calculator let\'s you adjust on the fly to absorb any fee\'s.Simply present Pricing Calculator to your buyer for their approval.
Smart Contract is gaining popularity globally. The objective of this presentation is to provide an overview of smart contract, types, components, technologies and use cases.
OmniRemit (End to End Remittance & Currency Exchange Suite)Lokesh Gupta
OmniRemit® (Remittance Solution Suite) is flagship product of RM Applications Sdn.Bhd (RMA). It enables end to end automation of cross border Remittance and Payment Solution tailor made for Financial Institutions. The solution suite comprises of Online Remittance, Branch Remittance, Agent Remittance, Online Remittance, Mobile Remittance and Compliance Modules in compliance with Bank Negara Malaysia requirements and AMLA (Anti Money Laundering) guidelines. It is a comprehensive solution to meet the growing and dynamic need for digital remittance along with eKYC to facilitate Digital Onboarding.
Gharar Free ReBittance – Powered by BlockchainLokesh Gupta
ReBittance can be defined as remittance backed by Blockchain technology instead of a traditional model based on a centralized network. Blockchain technology facilitates the use of digital assets such as cryptocurrency to process payments using unique secured shared electronic ledger. This unique feature of blockchain technology eliminates gharar (uncertainty) and make transaction processing cost-effective (low fee - ujr) and facilitates financial inclusion for unbanked such as migrant worker remittance to their home country. Another advantage is impenetrability, making it difficult to compromise as everything is tracked on a ledger which stops people from spoofing it or creating fake data. Blockchain strengthens the payment ecosystem by providing limitless opportunities in the usage of digital assets, payments, remittance and implementation of smart contracts. Islamic Banks globally are embracing for digitizing the user experience for banking to achieve accuracy, security, speed in-process and cheaper processing cost for remittance i.e. P2P (Peer to Peer), B2B (Business to Business), B2I (Business to Individual) and eCommerce transactions. The objective is to achieve low-cost remittance and payment intermediation ecosystem using open and transparent blockchain technology.
There are ongoing debates on acceptance of cryptocurrency as a medium of exchange, however, Islamic Banks are getting themselves ready to embrace blockchain technology, which follows Shariah (Islamic law). There have been initiatives by Al Rajhi bank to adopt ‘Ripple’s ecosystem for remittance and payments. This shows the acceptance level is increasing amongst the Islamic Bank. Blockchain technology is reverberating across the entire global financial ecosystem and early adopters will have a better advantage. Islamic Banks must be prepared as disruption has already started by FinTech companies and the acceptance level at consumers is increasing. The need of the day is leverage on the open nature of rebittance to innovate the remittance models and provide a better user experience. There are limited first movers to use blockchain for remittance and payments especially in Islamic finance, hence it provides limitless opportunities for Islamic Bank to embrace it.
This presentation provides overview on the traditional remittance, rebittance platform, perform a comparison with traditional models and models practised for processing remittance transactions in compliance with Shariah (Islamic Law) principles. It also provides a viewpoint on available opportunities available for Islamic bank and Fintech companies to explore and embrace.
Collaboration SeGI University, MIMOS & RM Applications Sdn Bhd for Launch of ...Lokesh Gupta
SEGi University is now partnering with MIMOS and RM Applications Sdn Bhd to establish the Islamic Centre for Emerging Technologies (ICET). The ICET initiative is in line with PM Tun Dr Mahathir Mohamad’s drive for greater utilisation of Industrial Revolution 4.0 (IR 4.0). With Malaysia being a pioneer in the field of Islamic Finance and Halal transactions and the world’s third-largest holding of Islamic assets, it is in a prime position to lead the Islamic world into the age of IR4.0.
Keeping above in mind, SEGi University, MIMOS (the National Applied Research and Development body) and RM Applications Sdn Bhd are establishing ICET. RM Applications Sdn Bhd, a technology solutions provider to Islamic and Conventional Financial Institutions would also assist with content provision, implementation and commercialisation of ICET products.
ICET will be initiating research towards the development of the following products with modern technology:
• Chatbot in Islamic Finance
• Chatbot in Islamic Investment
• Artificial Shariah Intelligence for Product Screening
Lokesh Gupta is the Co-Founder of RM Applications Sdn. Bhd. (RMA), a MSC status boutique software company based in Kuala Lumpur, Malaysia. He is passionate about Remittance, Payments and Data Management. Being part of boutique software organization, Lokesh is honored to wear many hats based on the situation and his role, demands involvement in wide scale with greater responsibilities. He takes end to end ownership by getting involved in all aspects of the organization and sees the ideas transform from the conceptualization stage, to become a full-blown product and keep it evolving to match Industry needs and to be part of RMA’s expansion.
Lokesh Gupta is the Co-Founder of RM Applications Sdn. Bhd. (RMA), a MSC status boutique software company based in Kuala Lumpur, Malaysia. He is passionate about Remittance, Payments and Data Management. Being part of boutique software organization, Lokesh is honored to wear many hats based on the situation and his role, demands involvement in wide scale with greater responsibilities. He takes end to end ownership by getting involved in all aspects of the organization and sees the ideas transform from the conceptualization stage, to become a full-blown product and keep it evolving to match Industry needs and to be part of RMA’s expansion.
RM Applications: Simplifying Data ManagementLokesh Gupta
RM Applications has been Honoured again this year with Certificate of Honour by APAC CIOoutlook - Top 10 Business Intelligence Solution Providers (2018). We are thankful to our hardworking RMATEs (Our Team) and Continuous Support from our Clients and Partners.
Book Excerpt - Islamic Finance - A Practical PerspectiveLokesh Gupta
Islamic finance which is also recognized as ethical banking and responsible financing goes beyond Interest free banking and that is the drive behind authoring this book “Islamic Finance: A Practical Perspective”. Much has been said and published from the perspective of banking with foundation based on Islamic Principles and religion practices. However, Islamic Finance is not limited to serving Muslims and is meant for all irrespective of religion. Hence, the knowledge of Islamic Finance Product Structure and functions is important for both consumer and practitioners for Muslims and Non-Muslims is important to understand the benefits and comparison with the Conventional Banking Products, which most of us are most familiar with. This book tries to simplify the explanation from practitioner perspective with easy illustration for easy understanding.
RM Applications Sdn. Bhd. (RMA): A Premium Provider of Advanced Technology ba...Lokesh Gupta
RM Applications Sdn Bhd has been featured as Company of the Month by Insights Success Magazine. RMA provides bespoke technology solutions for conventional and Islamic financial institutions in the areas of Remittance & Payments, Asset Liability Management & Liquidity (Basel 3) Reporting Data
Mart, MFRS9, Vehicle Inspection Management System (VIMS), ETL Consulting, SSIS Consulting, Customized Data Mart, Localization and integration of Partners' Solutions.
Islamic Finance - A Practical PerspectiveLokesh Gupta
This is an important book not just for students of Islamic finance but also for banking practitioners and consumers of banking products as it sets out the fundamental differences between Islamic finance and conventional banking and its importance in promoting a conscionable financial practice and sustainable economic development.” This book is reader friendly and written from practitioner perspective for ease of understanding. and wide in its scope: It covers basic Islamic financial concepts (such as riba, or interest, and gharar, or speculative uncertainty), markets and institutions (banking, capital markets, insurance, and private wealth management), products (bank accounts, equity funds, and sukuk, or Islamic bonds), and current challenges to the industry, such as corporate governance and risk management.
The global Halal economy and the Islamic fi nance industry are natural economic partners as both contribute
toward the sound and prospering Halal ecosystem. The Halal industry is going global by virtue of its qualitative
strength, essential elements of religion, health and holistic wellness. Halal, which simply means permissible and
lawful, is associated with a religious and spiritual foundation under Islam. The scope of Halal is beyond religious
practices and is all about a sense of morality and guide to living a good and wholesome life.
Halal has turned into a brand and is
being accepted globally. The Halal
industry, which is valued at about
US$560 billion a year, serves to meet
the needs of Halal-conscious clients and
is growing at an estimated annual rate
of 20%. The global Halal products and
services sector is growing at 8% yearon-
year and currently valued at US$3.2
trillion (excluding Islamic fi nance)
which is expected to reach US$12.14
trillion by 2024, according to Hexa
Research.
Big is beautiful: The survival mantra for the Islamic banking industryLokesh Gupta
The mergers of Islamic banks in Malaysia and globally are much needed as the market is getting overcrowded where many small Islamic banks are fighting for their survival. Mergers among Islamic banks to create a mega Islamic bank will create synergy with an objective of achieving a more effective and competitive Islamic banking landscape. In this context, ‘Big is Better’ as size is important mainly because it will permit a mega Islamic bank to have greater access to funds as well as to expand its asset book and create value in the Islamic banking space where margins are restricted due to the tighter operational environment. This special report is to identify the potential benefits and challenges of merger amongst Islamic Banks in Malaysia.
A negative interest rate policy will influence the way lending
and borrowing rates are charged in conventional Financial markets. The objective behind such a policy is to deliberately
boost aggregate demand and output by encouraging business and trade activities, which is no different from principles of Islamic Finance. This article provide insight into how Islamic Finance can help in achieving the same objectives expect from negative interest rate.
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.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
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
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?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@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.
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
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
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.