Using appraisals to engender support for credit
These steps are just a start. Any action – such as using appraisals to engender support and enthusiasm for learning – that removes barriers to learning and promotes action-centred learning will result...
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Creditor and debtor days
Creditor and debtor days. Creditor days measures the number of days on average that a company pays its creditors. Debtor days (also known as accounts receivable days) is the reverse: the number of days...
View ArticleCredit liquidity and other commercial ratios
Gross profit and net profit ratios. These two ratios reveal much about the profitability of a business. The gross profit ratio indicates the prof- itability of sales once direct costs of sale are...
View ArticleWhat’s your credit market share?
Market share. In highly competitive situations, sales growth should be read alongside the market share ratio. This is calculated by dividing current market share by previous market share. If market...
View ArticleCredit ratios relating to markets and products
Sales growth. This is measured by dividing sales for the period by sales for a previous period. The period that is chosen can be highly significant: The shorter it is (a day or week), the more...
View ArticleApplying credit ratio analysis
Ratio analysis not only supports the assessment and definition of decisions, it also helps to monitor them and avoid inappropriate or damaging actions. Its role is threefold: to analyse; to monitor and...
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Payday loans in a business environment
Regardless of whether the organization is a 150,000-person multinational or a 10-person start-up, leadership sets the tone and style of how people interact with each other. They do this by their...
View ArticleCreating a organizational frame for your loan
In addition to helping leadership set a good example, the Six Partnering Attributes provide a language for enabling team members to better communicate with each other. Through meaningful dialogue,...
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Six partnering attributes of a credit
Develop teams using the Six Partnering Attributes. Once leadership has achieved personal mastery of the Six Partnering Attributes and organizational structures are in place to support the use of these...
View ArticleAvoid over draft fees
US Banks have awful over draft fees. Until very recently these fees have been loosely regulated and cost the banks a fortune. For example, if you have no money in your account not knowing, and you go...
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