Business and Finance

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Bridging the divide between business and finance

Bridging the divide between business and finance

A. From a personal perspective, one of the biggest things that has happened over the past two years is the development of the finance team into a more structured body. Two years ago, it was still very small indeed; when I arrived there were only four people across finance, procurement, and HR combined. Today, our team is 13-strong. I’ve been very involved in growing this team and bringing in the key new individuals. The finance team is split between the two parts of the business, and Procurement and HR have grown separately. The most important part of what I’ve done is to ensure that we can provide the right level of service to the managing directors and team leaders. A development of comparable importance is the system integrations, where we are working towards ensuring accurate, timely reporting of financial information. Reporting of the actual financial information was done on a regular basis in the past. What we’ve built over the past two years is a much stronger budgeting process, mid-year forecasting, and a longer-term, five-year business plan.
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The business finance guide

The business finance guide

Business angels are individuals who make equity investments in businesses with growth potential. They invest in businesses in the early stages of development, or post-revenue established businesses looking for expansion capital. Angels back high-risk opportunities, with the potential for high returns. Some invest on their own, others through an angel syndicate or club. However, the most significant trend is for angels to invest in syndicates or groups, generally with a lead angel. At seed stage, lower amounts of funding may be available. Businesses in the growth stage may be able to attract higher amounts from angel syndicates. Angels can offer multiple rounds of finance and frequently co-invest with other sources of equity and co-investment funds as further growth finance is required. When taking on angel investment, a business should look beyond the capital they put in. Most can bring valuable first-hand experience of growing businesses, often early-stage businesses. Their skills and experience will be shared with the business, as well as their network of contacts. Most focus investments within a small geographic area, and so have local knowledge and local networks. Angels often make investment decisions quickly, without complex assessments. However, tracking down the right angel can take time.
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ASSESSING SENTIMENTAL TREND IN BUSINESS, POLITICS AND FINANCE

ASSESSING SENTIMENTAL TREND IN BUSINESS, POLITICS AND FINANCE

Deciding the demeanor of an essayist with Respect to some theme or the general feeling in an archive is essential point of doing sentiment analysis. Sentiment analysis is additionally valuable in online networking observing to consequently portray the general feeling or disposition of buyers as reflected in internet based life toward a particular brand or organization and decide if they are seen emphatically or adversely. The expansion of big data has required and supported new preparing strategies, and new techniques have thus required and empowered new data sources. As the sheer measure of information develops and turns out to be more unpredictable, stockpiling and handling systems turn out to be progressively imperative, yet as the universe of data always develops and advances, it is progressively wasteful and inadequate to depend on foreordained programming to represent preparing strategies. Another territory of man-made brainpower, referred to extensively as machine learning, reacts to this issue. Such calculations break down data as well as utilize such data to learn and improve handling guidelines to such an extent that they adjust and change without extra direction. In the following paper we will study about the sentiment analysis in different fields like business, politics and Finance.
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The Effects of Economic Crisis on Business Finance

The Effects of Economic Crisis on Business Finance

A crisis is a period associated with events that occur unexpectedly that have a negative impact on the organization. The economic crisis is caused by an unforeseen world situation so it must provide a fast, precise and accurate decision so as not to affect the organization’s overall operations as a bold step to minimize unintended consequences. A crisis is an event that can destroy an organization and its employees, products, services, and the financial condition of a business enterprise like a corona outbreak. An economic crisis if left unchecked can cause a financial situation that is a concern, a crisis which is an event that has a broad scope of society. The crisis has the potential to cause long-term damage to the financial image of a business company will lose public trust in consumer confidence can weaken the morale of company employees who are experiencing a crisis, can pose the risk of increasing the intensity of the problem. Thus, the aim of this paper is to examine the effects of economic crisis on buriness finance. The data analysis technique uses the structural equation modeling technique, which involved 400 Indonesian small and medium entrepreneurs and 162 samples collected on employees. The results show that the effect of the economic crisis on the financial statements of Indonesian medium and small micro traders plays an important role in the economic crisis so that business finance business is very influential when there is uncertainty in the environment, the financial statements of small and micro business enterprises sweeping across the globe hit making bad changes in the financial statements of micro and small business entrepreneurs in Indonesia. This research was conducted on micro small and medium entrepreneurs in Indonesia.
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Business Intelligence System for Banking and
          Finance

Business Intelligence System for Banking and Finance

Business Intelligence System for Banking and Finance is an application which will be providing a helping hand to Banking people to lets them work with information the way they want to. The growing sophistication of technology solutions such as digital dashboards and balanced scorecards can substantially help executives make the best decisions possible by providing accurate, timely and easy to comprehend information to transform mere data into business wisdom. It creates a common context for decision-making across every department and at every level. At its best, reporting is an integral part of performance management. Our System will help bank to gain competitive advantage over its different products. The reports you receive are presented in context so you can make informed decisions rather than lose time debating what action to take.
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Course Descriptions Business Administration & Finance

Course Descriptions Business Administration & Finance

BUSA 5570 Project Process Architecture. The focus of this course is Project Process Architecture (PPA), which is a methodology specifically designed for IT/Business Projects so that movement through the projects can be accomplished at an accelerated pace. The student will be exposed to a process that involves 6 Stage Gates and 33 Steps, all of which are similar but uniquely different from the Process Groups and Knowledge Areas of Project Management Body of Knowledge. The process that will be mastered in this course has been successfully used in the following industries: banking, publications, manufacturing, finance, insurance, healthcare, education, apparel, communications, non-profits, and public
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SMALL BUSINESS FINANCE MARKETS 2014

SMALL BUSINESS FINANCE MARKETS 2014

It was unprecedented to have so many industry bodies working together on the same initiative and engagement has been very high. The Guide certainly allows businesses to consider a wider variety of forms of finance and we also want to encourage businesses to get in touch with chartered accountants and finance providers, look for more information and understand how the different options will work for them. Greater availability of information plays a vitally important role in helping businesses access the finance they need to grow and create jobs. So the role of professional advice cannot be underestimated. There is no real substitute for getting the right advice and figures from the SME Finance Monitor show that only 22% of companies seek advice before applying for a loan, although this is up on prior years where the percentage had been as low as 18%. The British Business Bank data also shows that companies who do so are more successful in their applications for bank finance, most often because they have provided more information. People can be reluctant to take advice, which is why the ICAEW has introduced the Business Advice Scheme, providing free consultation to micro and small businesses not yet supported by a chartered accountant via 4,136 offices throughout the UK.
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Essays on the demand and supply of small business finance

Essays on the demand and supply of small business finance

Sections 3.5 and 3.6 of the paper used multivariate regression models (probit and OLS) to study the determinants of access to finance. In particular, they looked at the role of (i) informality (ii) social networks and (iii) the firm life-cycle in addition to control variables on the size of businesses, gender, age and education. Informality was separated in two components: firm-level informality, which indicates the degree of compliance of the business with government regulations (taxes, business registration, licenses, labour contracts, etc.); and entrepreneur-level informality, which looks at how long entrepreneurs had worked in formal/informal firms before starting the business. The latter variable was analysed in a rather exploratory fashion, since there is very little literature available on this topic. The only indication found in the literature is related to the notion of “managerial capital” proposed by Bruhn et al (2010), which stresses the importance of previous job experience in enterprise performance. Nevertheless, it proved to have a strong explanatory power: Table 12 shows that longer periods of employment in formal businesses are associated with a higher chance of using bank finance and overall larger loan amounts from banks. At the same time, they are associated with lower probability of relying on financial self-help groups and family and friends. Firm-level formality proved to be important as well: it is associated with a higher probability of borrowing from commercial banks. However, being “highly formal” is not significantly associated with the ability to borrow larger sums from banks. The size of capital owned by the business (machinery, buildings, vehicles, inventory, etc.) was by far the strongest determinant for the size of loans that entrepreneurs were able to obtain from commercial banks. This arguably proves the fact that most lending from banks is dependent on the collateral owned by firms.
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Telehealth Finance Variables and Successful Business Models

Telehealth Finance Variables and Successful Business Models

variables of telehealth finance and business models include people (clinical providers and patients), geography (rural or metropolitan areas), telehealth governance structure, the service provided, the reimbursement or coverage eligibility, the technology used, the quality of care rendered, and the outcome of the care rendered. These continuous variables can make it challenging to actuate financial sustainability and determine if or when a telehealth program, initiative, or company has a successful business model. “In any case, healthcare managers facing a decision must deal with the phenomenon known as bounded rationality, or the limits imposed on decision making by costs, human abilities and errors, time, technology, and the tractability of data,” asserts Yasar Ozcan, vice chair and director, Master of Science in Health Administration of Virginia Commonwealth University. 2
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Supporting UK business The report of the Business Finance Taskforce

Supporting UK business The report of the Business Finance Taskforce

The UK Government is keen to encourage economic recovery through export-led growth, both with existing trade partners and increasing trade with new export markets. This can be facilitated by trade finance, which is an essential, but often overlooked source of business finance. Current challenges include the impact of regulatory reform, where the implementation of Basel III as currently envisaged could lift trade finance prices by 20% to 40%, unless we continue to recognise the short- term nature of these facilities in their risk weighting and within the leverage ratio. Credit limits for importation may also prove inadequate to support growth during the recovery as demand increases, especially from SMEs, due to recent reductions related to liquidity, capital constraints and perceived market risks. Additional import limits from banks and possibly non-traditional providers such as the UK’s Export Credit Guarantees Department, credit insurers or multilateral agencies will be needed to restore capacity. Given the importance of the UK’s export performance, this report contains a number of actions specifically targeted at improving trade finance
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VIRTUAL BUSINESS PERSONAL FINANCE QUIZ ANSWERS

VIRTUAL BUSINESS PERSONAL FINANCE QUIZ ANSWERS

To begin with finding Virtual business personal finance quiz answers, the very first thing you should do is locate a domain that has a comprehensive number of manuals listed. The biggest of these websites will have barrels of a huge number of different products represented. You'll also see that you have specific sites focused on different product types or categories, brands or niches. So based on what precisely you're searching, you'll be capable of choose from one of several large sites or the smaller sites to fit your own needs.

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ICT in business, administration and finance principal learning

ICT in business, administration and finance principal learning

The business, administration and finance principal learning requires students to use ICT skills that are relevant for employment in the business, administration and finance sectors and that would aid progression to higher level qualifications. A large number of these skills concentrate on processing of numerical data using spreadsheet applications. However there are also requirements for students to develop their ICT knowledge and skills in

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Mutual Guarantee Institutions and Small Business Finance

Mutual Guarantee Institutions and Small Business Finance

A large literature showed that small firms experience difficulties in accessing the credit market due to informational asymmetries; these may be mitigated by collateral or relationship lending, possibilities often precluded to small business. We investigate the effect on small business finance of an alternative contractual scheme based on group lending, the Mutual Guarantee Institution (MGI). We test whether firms affiliated to MGIs pay less for credit, due to a joint responsibility that provides affiliates with peer monitoring incentives. Hence, MGI willingness to post collateral signals firms credit-worthiness to banks. Our estimates indicate that indeed MGI affiliation improves small firms lending.
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Mutual guarantee institutions and small business finance

Mutual guarantee institutions and small business finance

We wish to thank two anonymous referees for very helpful and insightful comments. We would also like to thank Alberto Alesina, Thorsten Beck, Daria Bonfim, Craig Brown, Martin Brown, Charles Calomiris, Elisabetta Cervone, Hans Degryse, Matthias Drehmann, Martin Feldstein, Xavier Freixas, Giorgio Gobbi, Patrick Honohan, Vasso Ioannidou, Michael King, Francesca Lotti, Giovanni Majnoni d’Intignano, Patrick McGuire, Juan Carlos Mendoza, Steven Ongena, Marcello Pagnini, Rohini Pande, Fabio Panetta, Alfonso Rosolia, David Scharfstein, Fabio Schiantarelli, Jeremy Stein, Guy Stuart, Kostas Tsatsaronis, Goetz von Peter, Angelo Zago and seminar participants at the Bank of Italy, Federal Reserve Bank of Boston, Bank for International Settlements, World Bank conference on Partial Credit Guarantee Schemes, SUERF, the University of Verona, the XVII Tor Vergata International Conference on Banking and Finance, the 4 th Italian Law and Economics Association Annual Conference, the 2008 International Workshop on New Financial Intermediaries, the 2009 Italian Congress of Econometrics and Empirical Economics, the 2 nd Swiss Conference on Banking and Financial Intermediation, the 2009 European Financial Management Association Conference, the 2009 European Meeting of the Econometric Society, the 2009 European Law and Economics Association Conference, the Carefin-Bocconi University Conference on Best Business Models in Banking for useful comments and suggestions. Marco Massitti provided excellent research assistance. This paper was in great part written while Leonardo Gambacorta was at the Economic Outlook and Monetary Policy Department of the Bank of Italy. Francesco Columba would also like to thank the NBER, where he was a visiting scholar while working on this paper, for the stimulating research environment. The opinions expressed in this paper are those of the authors only and do not necessarily reflect those of the Bank of Italy, the NBER or the BIS.
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Business Taxation, Corporate Finance and Economic Performance

Business Taxation, Corporate Finance and Economic Performance

The availability of external funds rests on the willingness of banks and other financial intermediaries to invest in a business project. These incentives depend on the effective return they can expect in terms of future repayments and, in particular, the amount of funds they can retrieve in case of business failure. The effective return on external funds not only depends on specific firm characteristics but also on the legal environment that determines to which degree these claims will effectively be honored. The key argument is that a well developed institutional environment with tight investor and creditor protection, tough reporting and accounting standards and other governance rules narrows down the degree of managerial autonomy. Corporate insiders find it more difficult to misuse funds or to divert managerial effort to unproductive activities ('private benefits') so that outside investors will become more certain about repayment and more willing to supply funds. La Porta, Lopez-de- Silanes, Shleifer, and Vishny (1998) and the subsequent law and finance literature compiled several measures that summarize the quality of investor protection across countries: anti- director rights mainly capture the influence of outside shareholders in corporate decision processes while creditor rights reflect the ability to seize loan collateral in the case of a reorganization or bankruptcy. The effectiveness of legal rights is enhanced by the quality of law enforcement. La Porta, Lopez-de-Silanes, Shleifer, and Vishny (1997, 2000b) show that countries which perform poorly along these measures, have less developed capital markets and firms in institutionally less developed countries experience greater difficulties in obtaining external finance (see Graff, 2008, and Spamann, 2008, for a critical review on the compilation of these indices).
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Accounting and Finance for Business Analysis

Accounting and Finance for Business Analysis

This course covers what everything business people and managers need to know about accounting and finance. It is directed toward the businessperson who must have financial and accounting knowledge but has not had formal training in finance or accounting-perhaps a newly promoted middle manager or a marketing manager of a small company who must know some basic finance concepts. The entrepreneur or sole proprietor also needs this knowledge; he or she may have brilliant product ideas, but not the slightest idea about financing. The goal of the course is to provide a working knowledge of the fundamentals of finance and accounting that can be applied, regardless of the firm size, in the real world. It gives nonfinancial managers the understanding they need to function effectively with their colleagues in finance.
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IMI Diploma in Business Finance

IMI Diploma in Business Finance

“The IMI Diploma in Business Finance provides an excellent learning platform on a topic no one can really afford to ignore in today’s unforeseeable future environment. The material covered is comprehensive, practical, very current, and the course style and interactive format allows for some personalised exploration on topics of special interest. This is a worthwhile investment, and I would highly recommend this course to anyone looking to learn or strengthen his/her financial skills.”

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Business Ethics in Islamic Finance

Business Ethics in Islamic Finance

acts. The performance of Fardh and Wajeb is rewarded while non-observance is punished (Ullah, Jamali, & Harwood, 2014). For instance, commitment to Zakat deductions is a Fardh for the inidividuals participating in the Islamic finance transactions, the Muslim owners of the Islamic finance institutions, and the account-holders but not to the Islamic financial institutions themselves (Ullah, Jamali, & Harwood, 2014). The Mandoob are directives regarding the performance of recommended actions and behaviors. Acting out on the Mandoob merits rewards while the non-performance of Mandoob is not punishable. An example of Mandoob in the business ethics of Islamic finance is with regard to the payment of high wages that exceed the maket rate; or the provision of good working conditions. While the payment of wages at rates that are higher than the market rate is not compulsory, it’s non-commission is not punishable. The Mubah directives provide guidance on which actions and behaviours that Muslims can partake without any restrictions. For instance, the beneficial harnessing of natural resources is permitted to all Muslims provided that they do not degrade the environment. Acts of abuse of natural resources would make such activities Haram. The Makrooh deals with the actions and behaviors that are strongly disliked, discouraged, and loathesome. For instance, smoking is a destable act, but nevertheless it is not punishable. Issues that deal with whether it is ethical for Islamic finance institutions to fund the operations of companies that manufacture cigarettes and other tobacco products that are harmful to human health falls under the jurisdiction of Makrooh. Haram denotes those actions, practices, and behaviours that are completely outlawed by the Shari’ah. The consumption of intoxicants, participation in gambling, charging
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BUSINESS, MANAGEMENT, ACCOUNTANCY AND FINANCE

BUSINESS, MANAGEMENT, ACCOUNTANCY AND FINANCE

discussed in the introduction section. The focus of this section is on subject-specific considerations for those in those subjects aligned to business, management, accountancy and finance. Here examples of innovation and effective practice are provided to demonstrate that effective practice for one group can and should be effective practice for all. The examples, resources and ideas included in this and other subject guides have come from the sector. They were obtained directly in response to a general request made to the sector during 2010, from a review of the HEA Subject Centres or from recommendations made by colleagues teaching in the specific subject.
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Business and Finance. Chapter 3

Business and Finance. Chapter 3

In undertaking the annual tobacco and alcohol inspections and seizure project for the year 2006 in Taipei City, the city administration regularly and irregularly dispatched personnel to investigate 473 tobacco and alcohol stores, and during peak seasons of intense tobacco and alcohol consumption, such as the Chinese New Year, Lantern Festival, Mid-Autumn Festival, and other folk festivals, it assigned personnel to every hypermarket, traditional market, and betel-nut store, to inspect tobacco and alcohol sales and provide counseling on alcohol and tobacco labeling and advertisements. The results of the inspections in 2006 revealed that 68 illegal shipments were seized, with 64,515 smuggled packs of tobacco and 523,815 liters of alcohol confiscated. 244 administrative penal fines were imposed on violators, with fines totaling NT$11,128,638. The results led to the excellence award bestowed bythe Ministry of Finance for the ”annual tobacco and alcohol Investigation and Seizure performance assessment by regional governments.”
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