Financial institutions evaluate the creditworthiness of potential borrowers by checking five C's of credit.
Five C's of credit is character, capacity, capital, collateral, conditions.
Character involves image of the person in the market which means credit history , how one should manage its debt in the past. whether previous debts were timely paid or not.
Capacity involves the capacity of the person to pay its debt. whether person is able to pay its debt timely with sufficient funds. It should be checked by checking creditworthiness of people, debt to equity ratio and other financial measures.
Capital refers as savings, investment or assets of the potential buyer. by this financial position of the borrower is known.
Collateral refers to as security which is put to take loan, whether its vale is more than loan value or not.
Conditions are the terms on which agreement is done regarding the loan.
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A small company making hole punchers has decided to use a differentiated marketing strategy and target four different market segments. what problems might the company encounter?
By using a differentiated marketing strategy, the problems that the company might encounter is that each segment requires its own marketing plan and execution and costs add up quickly.
What is differentiation in marketing?This differentiation strategy is what makes a firm's product or service stand out to their target audience. It involves how a firm distinguish what they sell from what their competitors do.
The differentiation strategy helps to increases brand loyalty, sales, and growth. That is, focusing on the customers is a good start to successful product differentiation. However, the problems that the company might encounter is that each segment requires its own marketing plan and execution and costs add up quickly.
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The market for coffee has many suppliers from all over the world. brazil is a major supplier to the market. how would the following developments influence the equilibrium price and quantity of coffee?
The market for coffee was estimated to be worth USD 102.02 billion in 2020, and it is anticipated to grow at a CAGR of 4.28% from 2021 to 2026.
Coffee is one of the world's most popular alcoholic beverages and the second-largest commercial good after petroleum (Mussatto, Machado, Martins, Teixeira, & Technology, 2011). It is genuinely a global commodity and generates significant foreign exchange for many of the producing nations (Ponte, 2002). While industrialized countries have the largest market, developing nations are the primary producers of coffee. Almost all coffee-producing nations typically have both large- and small-scale coffee farming.
Coffee demand and supply have historically been impacted by a number of factors that have been tracked via various research by numerous academics.
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With other things unchanged, a rise in the average price of imports or a fall in the average price of exports will:_________
A fall in the average price of exports will basically worsen the terms of trade or with other things unchanged, a rise in the average price of imports.
The terms of trade will not be improved by this event; on the contrary, they will be made worse.
A rise in the average price of imports or a decline in the average price of exports make it impossible to increase the frontier of production possibilities.
Additionally, if other factors remain the same, the production possibilities frontier won't contract if exports average prices decline while import average prices increase.
All other things being equal, determining a set of equilibria enables one to forecast how much a nation will import at various international prices as well as how much it will export in excess of its domestic consumption at various international prices.
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A product includes anything that would enhance it in the eyes of consumers, such as the:_______.
Anything that would make a product more appealing to consumers, like the warranty brand bundle, is included.
Brand management is the secret to success in today's markets. Management of brands is essential for the survival of both the products and the businesses that produce them in a world where items are increasing and becoming more and more similar.
The brand concept and name choice are the first steps in long-term brand management. Brand concept is the definition of the brand's market parameters and refers to the brand's meaning. Like naming a new kid, brand names are given. The main purpose of it is to identify the offering. It aids in conceptualization as well.
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Consumers make different purchase decisions when they are in a hurry. this is an example of _____ influencing a purchase situation.
If consumers make different purchase decisions when they are in a hurry. this is an example of time influencing a purchase situation.
What is purchase decision?Purchase decision can be defined as the decision made by buyer when they want to buy a product as to whether they should go for a product or not or when buyers what to choose between two option.
Time can tend to influence a buyer purchase decision in a situation were the buyer is in hurry making them to make different purchase decision.
Therefore If consumers make different purchase decisions when they are in a hurry. this is an example of time influencing a purchase situation.
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Sometimes a country's laws forbid foreigners from ownership within their nation, and the only way a u.s. company can have a presence in that foreign country is with a(n) ___.
Sometimes a country's laws forbid foreigners from owning a business in the nation. In the presence of such laws, Joint Ventures are one way for an American company to have a presence in that foreign country.
What are Joint Ventures?A joint venture is a partnership between two or more parties to develop a single enterprise or project for profit while sharing the risks associated with its development. The joint venture must have at least two natural persons or entities as partners. Joint ventures are typically formed by two companies that have complementary strengths. To bring an innovative product to market, a technology company may form a partnership that opens a new window with a marketing company opening in a new window. Foreigners are sometimes prohibited by law from owning a business in a country. Joint Ventures are one way for an American company to have a presence in a foreign country where such laws exist.Therefore, sometimes a country's laws forbid foreigners from owning a business in the nation. In the presence of such laws, Joint Ventures are one way for an American company to have a presence in that foreign country.
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The correct question is given below:
Sometimes a country's laws forbid foreigners from owning a business in the nation. In the presence of such laws, a(n) _____ is one way for an American company to have a presence in that foreign country.
Following a _____ is to pay the going rate for a particular job, within a particular market based on research and salary studies.
Following a Market Compensation Policy is to pay the going rate for a particular job, within a particular market based on research and salary studies.
What is the Market Compensation Policy?This is the term that us used to refer to the the of market plan that would have to do with the market rate that is ongoing for the particular job which is determined based on researching on salaries. It is one that had to do with the adopting of the market philosophy and would have to do with adding percentage raises to salary.
Hence we can say that following a Market Compensation Policy is to pay the going rate for a particular job, within a particular market based on research and salary studies.
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In ________, the state has the broad powers to decide what goods and services are produced and in what quantities.
The state has extensive authority to determine what goods and services are produced and in what quantities under centrally planned socialism.
A Centrally Planned Economy: What Is It?
A centrally planned economy, commonly referred to as a command economy, is a form of capitalism where decisions about the production and distribution of goods are made by the government. Market economies, where these decisions are the consequence of hundreds of choices made by producers and consumers, are different from centrally planned economies.
Although individual businesses may occasionally be brought into economic planning, state-owned corporations produce goods and services in planned economies frequently. In most cases, a centralized bureaucracy determines the costs, salaries, and production schedules.
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The creation of new products and production methods that completely destroys the market positions of firms that are wedded to existing products and older ways of doing business is called _____.
The creation of new products and production methods that completely destroys the market positions of firms that are wedded to existing products and older ways of doing business is called Creative destruction.
What is Creative destruction?Creative destruction happens when a new product or newer methods of production are introduced that are much better than existing products.
This would then lead to the existing products being sought less in the market, thereby destroying the market positions of the firms that were linked to those existing products.
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The impact of financial accounting information on investors' and creditors' decisions is closely related to the concept of:_______
The impact of financial accounting information on investors' and creditors' decisions is closely related to the concept of materiality. In auditing and accounting, the term "materiality" refers to the importance or "significance" of a sum, a transaction, or a discrepancy.
According to the general accepted accounting principles (GAAP) criterion known as "materiality," all items that are conceivably likely to have an influence on investors' decision-making must be documented or disclosed in full in a company's financial statements. The significance of information in financial accounts of a corporation is referred to as materiality. A transaction or business decision is "material" to the business if it necessitates reporting to investors or other users of the financial statements and cannot be excluded.
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The theory that investors must be compensated for the higher price risk and lower liquidity inherent in longer-term securities is called the:_________
The phrase "risk premium" refers to the idea that investors need to be rewarded for the higher price risk and decreased liquidity present in longer-term assets.
A risk premium is the excess of an asset's expected investment return over its risk-free rate of return. Investors receive compensation in the form of a risk premium for an asset. It serves as compensation for investors who accept more risk in a particular investment than they would in a risk-free asset.
For instance, there is often low default risk associated with high-quality bonds issued by reputable businesses that generate significant profits. So, compared to bonds issued by less well-known businesses with a larger risk of default and uncertain profitability, these bonds pay a lower interest rate. Investors are compensated for their increased risk tolerance by the higher lending rates that these smaller businesses must charge.
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When software is purchased, a _____ is being bought that gives the purchaser the right to use the software under certain terms and conditions.
The correct answer is Software License.
A software license is a legal contract that stipulates rules for the distribution and usage of software.
What does the term "software license" mean?A software license is a piece of written legal documentation that controls how software is used or distributed. In most cases, software licenses grant end users the freedom to make one or more copies of the software without infringing on copyrights.
Are software licenses beneficial?Depending on how it is installed or accessible, how it is licensed, how it is used, and any other parts or services it includes, software may be both a good and a service.
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A dynamic in which states compete to attract business by lowering taxes and regulations is called a:________
A dynamic in which states compete to attract business by lowering taxes and regulations is called a race to the bottom.
What is lowering taxes?Reduced income tax rates increase consumer spending power and thus increase total demand, which can increase economic growth and possibly inflation. Reduced income taxes may increase labour supply-side incentives, which would increase productivity.
Tax rate reductions help the economy expand because they improve the benefits of saving, earning, and investing after taxes. Through the effects of substitution, these increased after-tax returns encourage additional work effort, saving, and investment.
Thus, it is race to the bottom.
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which of the following actions could cause a company's change in net working capital to be negative for a given year
"Borrow money from the bank using a note payable in nine months" could cause a company's change in net working capital to be negative for a given year. Option A
This is further explained below.
What is net working capital?Generally, The firm's net working capital is essential because it provides insight into the liquidity of the organization and reveals whether or not it has sufficient funds to meet its immediate financial commitments.
Liquidity is the degree to which an organization is able to meet its current and future financial obligations.
If the figure for the firm's net working capital is zero or greater, then the company is in a position to fulfill its current obligations. If the number is less than zero, then the company is not in a position to meet its current commitments.
In conclusion, If a corporation "borrows money from the bank using a note due in nine months," their change in net working capital for the given year might end up being negative. This is one scenario in which this is a possibility.
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Consumer sovereignty and dollar votes guide the market system in dealing with which fundamental economic question?.
Consumer sovereignty and dollar votes guide the market system in dealing with What will be produced? fundamental economic question.
What is market system?
A market system is a group of buyers, sellers, and other participants who get together to conduct business in a certain good or service. Direct market participants who drive economic activity in the market, such as producers, purchasers, and consumers, are among the participants in a market system.
therefore,
Consumer sovereignty and dollar votes guide the market system in dealing with What will be produced? fundamental economic question.
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At the break-even point:_______
a. total cost equals profit.
b. total cost equals total revenue.
c. output equals capacity.
d. variable cost equals fixed cost.
e. variable cost equals total revenue.
option b) total cost equals total revenue is correct.
What is the Break-even point?The market price of an asset is compared to the initial cost to define the breakeven point (break-even price) for a transaction or investment; the breakeven point is reached when the two prices are equal.
In corporate accounting, the breakeven point formula is calculated by dividing the entire fixed production costs by the revenue per unit less the unit variable costs. Fixed costs in this context relate to expenses that are constant regardless of the number of units sold. In other words, the breakeven point is the production level where a product's total revenues and total expenses are equal.
Therefore, At the break-even point, total cost equals total revenue.
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If a resident can bear weight, but are not able to stand due to balance, the cna would use?
A wooden board, also known as a transfer board, is used to move patients who are unable to bear weight on their leg if they can carry weight but are unable to stand owing to balance issues.
What purpose does a transfer board serve?
Common names for a flat, rigid board composed of wood or plastic are transfer board and sliding board. Its function is to fill the space between two surfaces.
What is the best method for transferring a patient who is unable to walk?
Because their knees are blocked when standing, a sit-to-stand is also one of the safest methods for transferring a patient. If they do lose their equilibrium, they normally get back to where they were sitting in bed. Any patient who merely wants a little extra lift should choose it.
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Given the increasing use of computers to do routine tasks, which skill is most likely to be actively sought by u.s. employers today?
Interpersonal Skills is the correct answer.
By how you treat others, you can tell if you have good interpersonal skills. When working with coworkers, a person with strong interpersonal skills will be helpful, kind, sympathetic, patient, and courteous. They will typically be enjoyable to be around.
Social skills are under the category of interpersonal skills. Your ability to engage, communicate, and work together with people is aided by your interpersonal competencies. Empathy, active listening, and emotional intelligence are typical illustrations of interpersonal abilities.
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Conflict theorists point out that the difference between gambling, which is frequently illegal, and investing in the stock market is:________
Conflict theorists point out that the difference between gambling, which is frequently illegal, and investing in the stock market is who places the bet.
What is Conflict theorists?
Perspectives in sociology and social psychology known as conflict theories place an emphasis on a materialist reading of history, a dialectical method of analysis, a critical attitude toward current social structures, and a political program of revolution or, at the very least, reform.
Therefore,
Conflict theorists point out that the difference between gambling, which is frequently illegal, and investing in the stock market is who places the bet.
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The shares of an acquired company not held by the controlling shareholder are called the:________
The shares of an acquired company that is not held by the controlling shareholder are called a non-controlling interest.
A non-controlling interest can also be called a minority interest. This is a type of ownership position where the shareholder will own less than 50% of the outstanding shares. As the shareholder owns only 50% he will have no control over the decisions that are taken by the company. Most of the shareholders would be considered as having a non-controlling interest.
The non-controlling interest can be calculated at the net asset value of the entities. These shareholders do not account for potential voting rights. This non-controlling interest is the opposite of a controlling interest. Under the controlling interest, the majority of the shares will be held by one individual only.
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Encouraging or helping a firm's suppliers to perform in a desired fashion can be referred to as?
Encouraging or helping a firm's suppliers to achieve in the desired fashion can be directed to as Supplier Management.
What is meant by Supplier Management?Assessing supplier performance, defining and establishing delivery and quality standards, and upholding supplier relationships are all parts of supplier management. Making sure that suppliers meet or exceed the buyer's expectations in terms of quality, delivery, and pricing is the aim of supplier management. Value for money must be acquired from all suppliers, according to the Supplier Manager. He ensures that all contracts with suppliers support the demands of the company and that all suppliers uphold their end of the bargain.
The systematic, enterprise-wide evaluation of a supplier's strengths, performance, and capabilities in relation to the overall business strategy is known as supplier relationship management (SRM). SRM also involves choosing which activities to undertake with various suppliers, as well as planning and carrying out all supplier interactions in a coordinated manner throughout the relationship life cycle in order to maximize the value realized through those interactions.
Creating two-way, mutually beneficial connections with strategic supply partners is the main goal of SRM in order to provide higher levels of innovation and competitive advantage than are possible through independent operation or a standard, transactional purchasing arrangement. Supplier information management, compliance, risk management, and performance management are underlying disciplines that underpin effective SRM.
Hence, Encouraging or helping a firm's suppliers to achieve in the desired fashion can be directed to as Supplier Management.
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______ ownership of capital gives capitalism its name. multiple choice question. public private central board government
Private ownership of capital gives capitalism its name. The private ownership of the means of production and distribution in an economy, wherein private individuals control the economy, is known as capitalism.
Private capital is funding given to a firm in the form of a loan or equity investment that does not originate from an institutional source, such as a bank or government agency, or from the general public through the sale of stock on a stock market.
The choices of what to produce, how to produce, and for whom to produce are made completely by the private owners who own the factors of production in a capitalist system of economics.
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Workers who lose their jobs because the skill set they possess is no longer required in the economy are considered to be:_______
Workers who lose their jobs because the skill set they possess is no longer required in the economy are considered to be "Structurally unemployment"
What is Economy?
An economy is a region where products and services are produced, distributed, traded, and consumed. A given economy is a set of processes that involve its culture, values, education, technological evolution, history, social organisation, political structure, legal systems, and natural resources as main factors. It is generally defined as a social domain that emphasises the practises, discourses, and material expressions associated with the production, use, and management of scarce resources. These elements determine the parameters and conditions under which an economy operates in addition to providing background and content. In other words, the economic realm is a social domain made up of connected human behaviours and exchanges that cannot exist independently.
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When were cooking guilds formed, establishing many of the professional standards and traditions still used today?.
The period when cooking guilds formed, establishing many of the professional standards and traditions still used today were formed was 1400-1600 A.D. during the Renaissance.
How did the Renaissance impact society?Art, science, and culture underwent a new transformation throughout the Renaissance. With first the rediscovery of classical philosophy, literature, and art, as well as the new discoveries in travel, invention, and style, it altered the way the citizens thought.
The Renaissance demonstrates the value of looking to the past for solutions to current problems and inspiration. By looking to the past for advice today, we can uncover not just potential sources of solutions, but also strategies for overcoming problems that earlier cultures have had to deal with.
It should be noted that during this period, people tried out new things and this was when cooking guilds weee formed, which established many of the professional standards and traditions still used today.
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The _____ is the average time between purchasing inventory and receiving cash proceeds from its sale.
Answer:
Operating cycle
Explanation:
Alice+hall+made+a+$3,000+down+payment+on+a+new+ford+explorer+wagon.+she+still+owes+90%+of+the+selling+price.+what+was+the+selling+price+of+the+wagon?
The fact that she still owes 90% of the selling price, means that she just paid 10%, and these 10% make $3000.
Therefore, the total price is 10 times of $3000, i.e, $30,000
What is meant by selling price ?
The selling price of a good or service is the final cost to the seller, or what the buyer actually pays. A commodity or service in a specific amount, weight, or measurement can be exchanged.
It is one of the most crucial things for a business to decide. It is significant since it determines whether or not it will survive. Sales of a product are directly impacted by its price.
That price might be set at a minimum, maximum, or an average of the two. Prices can be set based on location, demand, market, and the time of year or season. Another smart move is to observe what our rivals are doing.
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Arguably, the largest and most effective public employee interest group in texas is made up of:________
Arguably, the largest and most effective public employee interest group in texas is made up of teachers
This is further explained below.
What are teachers?Generally, A person who assists pupils in acquiring information, competence, or virtue is referred to as a teacher, sometimes known as a schoolteacher or, more technically, an educator.
Informally the function of the instructor may be taken on by anybody.
In conclusion, The Texas Teachers Association is often considered to be the state's most powerful and influential public employee interest organization.
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In modern states, bureaucracy is a must have. group of answer choices
A. true
B. false
The above statement with regard to bureaucracy is true. Thus, option (A) is correct.
What is bureaucracy?Bureaucracy refers to the group of the people in the administration participating in the process of policymaking. They are non-elected government officials.
A bureaucracy was historically a government administration governed by departments manned by non-elected individuals. Bureaucracy is essential in modern nations. Therefore, it can be concluded that option (A) is correct.
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What is not one of the reasons why farmers prefer price supports more than direct income supplements?
Farmers prefer price supports more than direct income supplements
tend to provide lower benefits.What is the reason farmers prefer direct supplements?Direct marketing can benefit farmers by allowing them to earn a greater portion of the consumer food dollar by eliminating intermediary brokers, buyers, and distributors. Examples of direct marketing include community-supported agriculture (CSA) ventures, farmers’ markets, farm stands, and direct sales to businesses and institutions, such as restaurants, schools, or hospitals. Direct marketing can contribute toward sustainable agriculture and food systems by increasing farmer profitability, promoting the local economy, and providing consumers with higher quality and healthier products. Direct marketing is the sale of agricultural goods and products from the farm straight to the consumer, without intervening distributors or retailers.To learn more about Farmers, refer
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Prepayments are transactions in which the cash flow follows the expense or revenue recognition. True or false
Prepayments are transactions in which the cash flow tracks the expense or revenue recognition. false
How do prepaid expenses minister in the cash flow statement?A decrease in prepaid expenses improves cash flow. Operating expenses are typically paid every month, which is why any reduction in prepaid expenses will directly benefit cash flow for the current month.
What Are Prepaid Expenses?Prepaid costs are future costs that are paid in advancements, such as rent or insurance. On the balance sheet, prepaid costs are first recorded as an investment. As the advantages of the assets are realized over time, the amount is then recorded as an expenditure.
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