Identify and define the borrower-specific and market-specific factors that enter into the credit decision. What is the impact of each type of factor on the risk premium? Which of these factors is more likely to adversely affect small businesses rather than large businesses in the credit assessment process by lenders?

A customer should examine if the prospective benefits outweigh the premiums.

Option D. is correct.

An insurance policy is a contract in which a person pays a firm money in exchange for the company promising to pay cash if the individual is harmed or dies, or to compensate for the worth of lost or damaged property.

Over time, a customer should examine if the prospective benefits outweigh the premiums.

Option D. is correct.

Find out more information about insurance here:

https://brainly.com/question/989103?referrer=searchResults

Answer:

a) 50,000

b) 115,000

Explanation:

Cash flow from operating activities and Net Income can be calculated as follows

DATA

Opening cash balance = $55,000

Closing cash balance = $25,000

Long term investing activities = $250,000

Cashflow from financing activities = $170,000

Requirement A: Cash flow from operating activities

                                                                          $  

Investment                                                  250,000

Less:                                                                      

Cash flow from financing activities           (170,000)

Opening Cash balance                               (55,000)

Add:  

Closing cash balance                                  25,000

Operating cash flows                                  50,000

Requirement B: Net Income

Operating cash flows                                  50,000

Add:

Increase in receivables and inventory       100,000

Less:

Increase in accruals                                    25,000

Depreciation                                                10,000

Net Income                                                  115,000

Answer: They can raise awareness

Explanation:

Xenophobic victims have been through a lot of discrimination, hatred, physical abuse in most scenario. What most of them need in most cases are encouragement, opportunities to help them better.

Any project, campaign and event done would also raise awareness to those discriminating against them to understand that there is no need for that, most times some of this programs are for raising the awareness and when these awareness are raised they help the sanity of the environment where this xenophobic activities happen previously.

Greater worldwide market share would be guaranteed by the countries' increased competitiveness, improving their trade balance. As a result, customers would have access to a wide range of commodities at inexpensive prices because of competition in global commerce.

A corporation obtains access to new clients when it becomes more competitive in the global market. This is due to the fact that the business can now provide its goods and services at a cheaper cost than those of its rivals. This enables the business to reach new markets and increase its clientele.

Through commerce, nations may obtain commodities and services that might not otherwise be accessible domestically and grow their markets. Market competition has increased as a result of global commerce. This ultimately leads to more competitive pricing, which lowers the cost of the final product for the customer.

To learn more about competition

https://brainly.com/question/28189773

#SPJ4

Based on microeconomic theory, it is true that after calculating how much money you have left after paying for all of your monthly expenses, you can

plan on spending up to 50% of that amount on car expenses.

Note that after making a payment on living expenses, such as rent, mortgage, utilities, loans, car payments, and food, the money that remains is discretionary income.

This discretionary income can be used as savings, investment, or spending on your discretionary expenses such as vacations and travel expenses, car expenses.

This is because discretionary expenses are categorized under wants instead of needs.

Thus, given that planning for car expenses is a want, then the statement in the question is True.

Hence, in this case, it is concluded that the correct answer is "True."

Learn more about discretionary income here: https://brainly.com/question/17799664

Answer:

The business cycle typically consists of four phases:

Expansion: This phase is characterized by increasing economic activity, rising GDP, low unemployment rates, high consumer confidence, and increased business investments.

Peak: The peak represents the highest point of economic expansion before the cycle starts to slow down.

Recession: This phase marks a slowdown in economic activity. It is characterized by declining GDP, rising unemployment, reduced consumer spending, and decreased business investments.

Trough: The trough represents the lowest point of the business cycle. It is the phase where the economy reaches its bottom before starting to recover.

Answer:

The answer is A and B: professional and friendly ^^

Hope you find the answer helpful :)

Answer: Professional and Friendly

Explanation:

Incomplete and Grammatically incorrec cannot be tones of voice.

Answer:

The given statement is "False".

Explanation:

When making decisions, managers are often faced with a conflict between what is beneficial for the firm in the short-term and what is beneficial for both the firm and society in the long-term.

This conflict arises because the actions that benefit the firm in the short-term may not necessarily align with the interests of society as a whole, which can lead to negative consequences for both the company and society in the long-term.

To address this conflict, a firm must adopt a long-term orientation and consider the broader social and environmental impacts of its decisions. This means looking beyond immediate financial gains and recognizing that actions taken today can have far-reaching implications for the company's reputation, customer loyalty, employee morale, and overall sustainability.

Firms that prioritize social responsibility and sustainable business practices are more likely to build strong relationships with stakeholders, including customers, employees, investors, and regulators. They are also better equipped to weather economic downturns and other disruptions, as they have diversified their risk and invested in building resilient supply chains and communities.

Ultimately, the key to addressing the conflict between short-term gains and long-term benefits is a commitment to corporate social responsibility (CSR) and sustainable business practices. By prioritizing the needs of society and the environment alongside those of shareholders, firms can create value for all stakeholders over the long-term, ensuring their continued success and impact.

learn more about managers here

https://brainly.com/question/32150882

#SPJ11

As the founders needed to determine if there were enough people interested in renting their DVDs through the Internet to make their investment worth the time and effort. They needed to determine the feasibility of the venture.

Venture feasibility refers to the assessment of the viability and potential success of a new business or project before investing time and resources into it. It involves analyzing various factors, such as market demand, competition, financial projections, available resources, legal and regulatory requirements, and potential risks and challenges.

The purpose of venture feasibility is to determine whether a proposed business idea is worth pursuing and whether it has the potential to achieve its goals and objectives. A thorough feasibility analysis can help entrepreneurs and investors make informed decisions and avoid costly mistakes.

Read more about feasibility

brainly.com/question/14842003

#SPJ1

Explanation:

Advantages & Disadvantages of Owning Your Own Company

Advantage: Financial Rewards. ...

Advantage: Lifestyle Independence. ...

Advantage: Personal Satisfaction and Growth. ...

Disadvantage: Financial Risk. ...

Disadvantage: Stress and Health Issues. ...

Disadvantage: Time Commitment. ...

Try a Side Hustle.

People often make investments the health and wellness sector. This would be an example of foreign direct investment.

This is known as a purchase of an interest that a firm is involved in. Here, the company by a company or an investor are found outside its borders.

The 3 types of FDI are;

It is simply a business decision to get or buy a good amount of stake in a foreign business as in the case with Reneta.

Learn more about foreign direct investment from

https://brainly.com/question/1125884

In summary, if HBF company issues a $1 per share cash dividend, the shareholder wealth will be reduced by $50,000 as the company pays out $50,000 in total dividends.

However, it is important to note that the shareholder wealth may not necessarily decrease by the full $50,000 as some shareholders may reinvest their dividends back into the company, thus potentially increasing the value of their shares in the future. Additionally, the issuance of a cost dividend may also attract new investors who are looking for stable and consistent returns on their investment.On the other hand, the company's cash balance will decrease by $50,000 and its assets will remain unchanged. This may potentially limit the company's ability to invest in future projects or acquisitions. It is important for the company to carefully consider its dividend policy in order to balance the interests of its shareholders and its long-term financial goals.

To learn more about cost click here: brainly.com/question/14566816

#SPJ11

Answer:

Consider which items are meant for debit and credit.

Explanation:

The principle of double entry States that for every debit entries, there must be a corresponding credit entries and vice versa. This principle follow suits when preparing ledger accounts and trial balance.

Trial balance is the arithmetrical accuracy of the ledger. Once double entry principle is adhered to, the trial balance must definitely balance.

Where there are differences, check that items which ought to be debited and credited are correctly done. Also check if correct amount is posted like avoiding transposition error.

If the annual dividends of Atta Corporate grew from $0.96 in 2005 to $1.26 in 2017, the annual growth rate was 3.46%.

Given that the annual dividends of Atta Corporation grew from $0.96 in 2005 to $1.26 in 2017, we need to find the annual growth rate. There are various methods to calculate the annual growth rate, but one of the easiest is the CAGR method.

CAGR stands for Compound Annual Growth Rate, and it is a measure of the average annual growth rate of an investment or a company over a specific period of time. To calculate CAGR, we need the starting value, the ending value, and the number of years in between the starting and ending values.

CAGR is calculated using the following formula:

CAGR = (Ending value/Beginning value)^(1/Number of years) - 1

Here, the beginning value is the dividend per share in 2005, which is $0.96.

The ending value is the dividend per share in 2017, which is $1.26. And the number of years is 12 (from 2005 to 2017). Putting these values into the formula, we get:

CAGR = ($1.26/$0.96)^(1/12) - 1

Simplifying the expression, we get:

CAGR = 0.0346

Therefore, the annual growth rate of Atta Corporation's dividends was approximately 3.46%.

Learn more about growth rate here:

https://brainly.com/question/18485107

#SPJ11

Answer:roles

Explanation:

Answer:

Financial officer, finance clerk, treasurer

Finance officers help to manage the finances of an organisation by keeping track of its income and controlling its spending.

Answer:

The five Cs of credit are character, capacity, capital, collateral, and conditions. ... as the Fair Isaac Corporation), a leading credit evaluation firm, uses the information ... good credit score and credit reports play in securing a loan, it's worth considering

Explanation:

Hope this helps. Also can u give me brainliest?

Answer:

Allen Furniture Company should look into conducting a survey to gauge customer interest to find what they look for, need, and find attractive. They could do so by going to college campuses and conducting random interviews. For their apartment furnishings, they could look online to see what kind of product sell and do an analysis of customer interest that way and they could also conduct a survey for people that live in apartments. They could also look into a consultant that specializes in the field and is experienced with what customers like or want.

To calculate the unemployment rate in Barbaria, we need to divide the number of unemployed individuals by the total labor force (employed and unemployed) and multiply by 100 to express the result as a percentage., the unemployment rate in Barbaria is 13.46%, rounded to two decimal places.

Unemployment refers to the situation where individuals who are willing and able to work are unable to find employment. It is often measured as a percentage of the labor force, which includes both employed and unemployed individuals.

There are several types of unemployment, including:

Frictional unemployment: Occurs when individuals are between jobs or are looking for better employment opportunities.

Structural unemployment: Occurs when there is a mismatch between the skills or qualifications of job seekers and the available job opportunities.

Cyclical unemployment: Occurs due to changes in the business cycle, such as a recession or economic downturn.

To know more about economic visit :

https://brainly.com/question/14355320

#SPJ11

When a company is identified as being in the intermediate stage of social media, it is in a position to use management systems to create engaged communities on various platforms.

Management systems refer to a set of processes, procedures, policies, and guidelines that organizations use to achieve their goals and objectives. These systems are designed to ensure that resources, including people, processes, and technology, are effectively managed to enhance efficiency and productivity.

This means the company has already established a social media presence, has a basic understanding of the social media landscape, and has started to engage with its audience. At this stage, the focus is on building a community, increasing engagement, and creating a consistent brand voice across all social media channels. The company may also be using social media management tools to streamline its social media efforts and analyze its social media metrics.

To learn more about management systems, click here:

https://brainly.com/question/30553207

#SPJ11

The monthly rent for leasing the space is $9,166.67.

In order to determine the monthly cost per square foot, the yearly cost per square foot would be divided by the number of months in a year.

Monthly cost per square foot = $22 / 12 = $1.83

The monthly rent can be determined by multiplying the monthly cost per square foot by the total square foot being rented.

$1.83 x 5000 = $9,166.67

To learn more about multiplication, please check: https://brainly.com/question/3385014

Answer:

Participative management style.

Explanation:

It should be noted that the participative management style is a management style that requires the cooperation of personnel.

It is essential as it aims to build commitment as well as develop initiatives within work teams.

The journal entries of these transactions for Sampson Co. using the perpetual inventory method are as follows:

Dec. 1: Debit Accounts Receivable (Batson Co.) $46,000

Credit Sales Revenue $46,000

Terms 2/15, net 45.

Debit Cost of Goods Sold $38,500

Credit Inventory $38,500

Dec. 6: Debit Cash $45,080

Debit Cash Discounts $920

Credit Accounts Receivable (Batson Co.) $46,000

Dec. 1: Accounts Receivable (Batson Co.) $46,000

Sales Revenue $46,000

Terms 2/15, net 45.

Cost of Goods Sold $38,500

Inventory $38,500

Dec. 6: Cash $45,080

Cash Discounts $920

Accounts Receivable (Batson Co.) $46,000

Dec. 1 Sampson Co. sold merchandise to Batson Co. on account, of $46,000, terms 2/15, net 45.

The cost of the merchandise sold is $38,500.

Dec. 6 The Batson Co. paid the invoice within the discount period.

Sampson Co. uses the perpetual inventory method.

Learn more about journalizing business transactions at https://brainly.com/question/17201601

#SPJ1

Aggregate Planning is the process of developing an overall plan that determines the production, workforce, and inventory levels required to meet the anticipated demand. It involves making decisions about the quantity and timing of production to align with the forecasted demand and strategic objectives of the organization.

The Strategic Business Plan is a comprehensive document that outlines the long-term goals, objectives, and strategies of a company. It involves analyzing the market, identifying target customers, understanding their needs, and developing strategies to differentiate and position the company's products or services to meet those needs better than competitors.

With a level strategy, the company aims to maintain a consistent workforce level regardless of fluctuations in demand. This approach promotes workforce stability as employees are retained even during periods of low demand.

Learn more about aggregate planning https://brainly.com/question/31136003

#SPJ11

Answer:

misunderstanding happens due to the distance . misunderstanding happen due to lack of time to solve problem . misunderstanding happens due to third person between two persons . misunderstanding happens due to the virtual world .

The class of fires that includes those caused by flammable liquids such as alcohol and diesel is Class B fires.

These are those fires that are caused by combustible liquids that are capable to spreading fire quickly.

The liquids include alcohol, gasoline, and diesel. Such fires and recommended to be best put out by smothering the flames.

Find out more on Class B fires at https://brainly.com/question/4154871.

#SPJ1

According to judicial terminologies, when a court interprets laws in a way that creates or promotes social change and wrestles with moral issues, it is engaging in judicial "precedent."

This is because judicial precedence is a legal ruling or outcome of the case that creates a judicial principle or rule that subsequent judgment of a court or other judicial body follows or serves as a rule when deciding subsequent cases.

Usually, judicial preference supports or favors social change and fights off the conventional belief or perception it is having in a judicial context.

Hence, in this case, it is concluded that the correct answer is Precedence.

Learn more here: https://brainly.com/question/25615428

Answer:

c) activism

Explanation:

The journal entries to record these transactions of Arantxa corporation using the cost method are given below.

The journal entry can encompass numerous recordings, every of that's both a debit or a credit. The act of maintaining or making statistics of any transactions both financial or non-financial is referred to as journal entries.

The missing information in the question can be given below:

On November 1, Arantxa reissued the 200 shares at $70 per share. Arantxa had no previous treasury stock transactions. Prepare Arantxa's journal entries to record these transactions using the cost method.

As per the given information,

The journal entries for the given information are as follows:

Treasury A/c   Dr.  $16,000

          To Cash                   $16,000

Cash                       $14000

Retained Earnings $2,000

       To Treasury stock                      $16,000

Hence, the journal entries recording the given transaction relating to treasury stock are explained above.

Learn more about journal entries here:

https://brainly.com/question/23156395

#SPJ1

The journal entry for the shares reacquisition on August 1, 2014, of Arantxa Corporation is as follows:

August 1, 2014:

Debit Treasury Stock $1,000

Debit Additional Paid-in Capital - Common Stock $15,000

Credit Cash $16,000

August 1, 2014:

Treasury Stock $1,000 Additional Paid-in Capital - Common Stock $15,000 Cash $16,000 ($80 x 200)

Show the journal entries for the given information above.

Thus, the journal entry above shows that the shares were reacquired at a premium of $75 ($80 - $5) per share.

Learn more about recording Treasury Stock transactions at https://brainly.com/question/17439058

#SPJ1

The expected payment for the given insurance policy is $37.50.

In this scenario, the amount of loss follows an exponential distribution with a mean of 50. The deductible coinsurance percentage is 75%, which means that the insurance policy holder is responsible for paying the deductible amount of 75% of the loss. The remaining 25% is covered by the insurance company, up to a maximum payment per loss of $100.

To calculate the expected payment, we need to consider two cases: losses below and above the deductible amount.

For losses below the deductible (75% of the loss), the expected payment is 0 since the policyholder covers the full amount.

For losses above the deductible, the expected payment is the sum of 25% of the loss (covered by the insurance) and the deductible amount (covered by the policyholder). The expected payment is calculated as follows:

Expected payment = 0.25 * (Loss - Deductible) + Deductible

Substituting the mean of the exponential distribution (50) as the loss, and the deductible percentage (75%) as 0.75 times the mean, we get:

Expected payment = 0.25 * (50 - 0.75 * 50) + 0.75 * 50

                          = 0.25 * (50 - 37.5) + 37.5

                          = 0.25 * 12.5 + 37.5

                          = 3.125 + 37.5

                          = 40.625

Therefore, the expected payment for the insurance policy is $40.625 or approximately $37.50.

Learn more about insurance policy

brainly.com/question/24984403

#SPJ11