Launch your Graphy
There are no items in your cart
Add More
Add More
| Item Details | Price | ||
|---|---|---|---|
Common Mistakes Borrowers Make While Applying for Business Loans
access_time 1789921800000 face CA N Raja
Common Mistakes Borrowers Make While Applying for Business Loans Vinu: Manu, sometimes a business appears financially sound, yet its loan proposal gets delayed or declined. Why does that happen? Manu: Because having a good business alone isn't enough. The borrower must present the requirement clearl...
The Impact of Economic Cycles on Credit Quality and Lending Decisions
access_time 1789835400000 face CA N Raja
The Impact of Economic Cycles on Credit Quality and Lending Decisions Vinu: Manu, can the same borrower look safe in one year and risky in another even if the business itself has not changed much? Manu: Yes. Credit quality is influenced not only by the borrower but also by the economic environment. ...
Assessing Supplier Dependency Risk in Loan Proposals
access_time 1789745400000 face CA N Raja
Assessing Supplier Dependency Risk in Loan Proposals Vinu: Manu, a borrower we are assessing purchases nearly 70% of its raw materials from a single supplier. The business is profitable, but should this concentration concern us? Manu: Definitely. Heavy dependence on one supplier creates supplier dep...
Why Customer Diversification Matters in Credit Appraisal
access_time 1789662600000 face CA N Raja
Why Customer Diversification Matters in Credit Appraisal Vinu: Manu, a borrower has reported strong sales and profits. But nearly 70% of the sales come from one customer. Should the bank be concerned? Manu: Yes. Strong financial performance is important, but excessive dependence on one customer crea...
Understanding the Credit Risks of Family-Owned Businesses
access_time 1788539400000 face CA N Raja
Understanding the Credit Risks of Family-Owned Businesses Vinu: Manu, many MSME borrowers we deal with are family-owned businesses. Should a banker assess them differently? Manu: The basic credit principles remain the same. But family-owned businesses have certain characteristics—ownership, manageme...
