What are the roles of Bankers and the government in the
SBA lending process? How might you take advantage of
this?

Answers

Answer 1

The roles of bankers and the government in the economy are to provide financial stability, ensure economic growth, and regulate the financial sector. Bankers act as intermediaries between savers and borrowers, mobilizing funds, and allocating them to productive sectors. Meanwhile, the government has the responsibility of ensuring the overall stability of the economy by regulating the financial sector and implementing economic policies that promote growth and development.

Bankers play a crucial role in the economy by providing financial services to individuals and businesses. They act as intermediaries between savers and borrowers, mobilizing funds and allocating them to productive sectors such as agriculture, manufacturing, and infrastructure. They also play an essential role in creating money through the process of credit creation, which can stimulate economic growth.

On the other hand, the government has the responsibility of ensuring the overall stability of the economy by regulating the financial sector and implementing economic policies that promote growth and development. Governments play a significant role in ensuring the stability of the banking sector by providing deposit insurance and regulating the banks' activities. They also implement fiscal and monetary policies that help to manage inflation, stabilize the currency, and maintain a favorable business environment. By doing so, they can stimulate economic growth and promote job creation, which can lead to increased prosperity for the nation.

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Related Questions

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Do-It-Yourself home repair shows have become popular in the last few years. Describe one Do-It-Yourself home repair show that you have seen or heard about. What skills from each pathway in the Architecture and Construction cluster would help someone who has decided to undergo a construction project themselves?

Answers

The Architecture and Construction career cluster prepares students for professions in the design, planning, management, construction, and maintenance of the built environment. These professionals work on new constructions, restorations, additions, changes, and repairs.

What further information is available for the Architecture and Construction career pathway?

Workers in architecture and construction work on buildings and other structures. Highways, bridges, houses, and buildings are all examples of infrastructure. You might make ideas or blueprints for new constructions. You might also utilize the plans to build it or supervise the project's workforce.

If money is essential to you, a career in architecture is a good bet. According to the BLS, the median wage for all occupations is $41,950, while the typical compensation for an architect is more than double that. Architects have the same or higher job satisfaction as any other profession.

The following abilities are necessary to study architecture and construction:

Math and scientific abilities are required.Design abilitiesAnalytical and problem-solving abilities are required.Teamwork abilities.Communication abilities.High Spatial Reasoning

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what are the four invoices used in foreign trade?​

Answers

Explanation:

airway bill.

hope it helpful for you

Assume that labor and capital are the only two inputs a perfectly competitive firm uses to produce wheat. The firm hires its inputs in perfectly competitive input markets. The unit price of labor is $8 and of capital is $20. When the firm employs the profit-maximizing combination of these two inputs, the marginal product of labor is 2 tons of wheat and of capital is 5 tons of wheat. The price of wheat per ton must be

Answers

The price of wheat per ton must be $4 when profit-maximizing combination is employed.

What is Price?

This is defined as the amount of money that has to be paid to acquire a given product.

To get the price per ton for the company to make profit, we find the ratio of the unit price of labor to the marginal product of labor.

$8 / $2 = $4.

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The primary role of the human resource department of an organization is to

Answers

Answer:

Human Resources (HR) is concerned with the issues of managing people in the organisation. two men having a meeting The Human Resources department is responsible for many people related issues in an organisation. Under the HR department’s remit are the following roles: The process of recruiting suitable candidates for the organization Identifying and meeting the training needs of existing staff Ensuring employee welfare and employee relations are positive Ensure the working environment is safe for employees Raising awareness of current workplace legislation

buying things on credit was extremely rare before which year?

Answers

Prior to 1917, it was uncommon to purchase items on credit. As a result of the fact that it was never acceptable for lenders to impose interest rates that were high enough to generate a profit.

The term "purchase" means what exactly?

Cash or its equivalent is required to achieve something. To acquire real land by means other than descent, such as via labour, risk, or sacrifice, is to buy. d.

In order to reach the top deck, he purchased a ticket. A large portion of those shares were bought through brokers. There were some auto-related receipts among them. Opening the box of ties, she looked over her acquisition.

each and every product or service bought for resale.

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what is the price of star ocean the divine force a long awaited message

Answers

The price of the video game A Long-Awaited Message, Star Ocean: The Divine Force is $59.99

What is the primary objective of gaming?

While it may seem fun, gaming is actually mental exercise. According to studies, playing video games frequently can improve brain connectivity and increase gray matter. Goals, rules, difficulty, and interactivity are crucial game elements. In general, games stimulate the mind or the body, or frequently both.

An electronic stimulant used for fun or education is referred to as a digital game. There are several games that promote physical activity, help people learn useful skills, or have other educational, simulative, or psychological benefits. .Because of its significance to culture, entertainment, and technological growth, the gaming industry is one of the most fascinating sectors of the IT sector.

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Sandra's employer savings options were not suitable for her needs, so she sought other options. What did Sandra most likely do?

She signed up for an opt-in program.
She opted out of the employer's program.
She started contributing to the matching program.
She opened a traditional checking account.

Answers

Sandra's employer's financial savings alternatives have been inadequate for her needs, so she searched for alternatives. She ought to have opted out of the employer's programme.

What do you know about Savings?

Savings is the portion of one's income that is not spent on current expenses. In other words, it is money set aside for future use rather than being spent immediately. Why should we try to save money? Saving can be used to achieve goals in the short term, such as purchasing a mobile phone, or in the long run, such as continuing to study or purchasing a car or a house.

Saving money can also help us cover unexpected expenses such as an illness, replace a broken appliance, or make an emergency trip.

Furthermore, savings can be invested, resulting in a profit on the money you have set aside.

So, The required answer is that She opted out of the employer's program.

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he just finalized an arrangement where he will operate one of his stores next to the floral department of a local grocery store. he will pay rent for the space and will be responsible for all aspects of his business. what is this type of arrangement called?

Answers

he just finalized an arrangement where he will operate one of his stores next to the floral department of a local grocery store. he will pay rent for the space and will be responsible for all aspects of his business. This type of arrangement is called a leased department.

commercial enterprise refers to an enterprising entity or agency that carries out professional activities. They may be business, commercial, or others. For-income enterprise entities do enterprise to earn an income, whilst non-earnings ones do it for a charitable mission. Many agencies are operated through a separate entity such as an employer or a partnership (both formed without or with limited liability). maximum prison jurisdictions permit people to arrange such an entity by submitting certain constitution files with the applicable Secretary of state or equivalent and complying with positive other ongoing duties.

The relationships and felony rights of shareholders, restrained companions, or members are ruled partly with the aid of the constitutional documents and partly by means of the law of the jurisdiction where the entity is prepared. If the business acquires debts, the lenders can pass after the owner's non-public possessions. A business shape does not allow for corporate tax quotes. The proprietor is personally taxed on all profits from the enterprise.

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______ Is a market in which a large number of suppliers compete with each other to satisfy the needs and wants of a large numbers of consumers at a competitive price.???

Answers

Answer : Monopolistic competition

Answer:

Monopolistic Competition

Explanation:

In a monopolistic competitive market, there are large numbers of sellers who do not sell identical products instead they sell differential products. They compete with each other at a competitive price. The products could be differentiated in many ways including quality, style, location and even brand name. Since they compete at a competitive price, if there is a substantial rise in the price of any of the products, the buyers could quickly shift from one product to another. The most crucial factor behind product differentiation is because of geographical factors. Under a monopolistic competitive market, the sellers do not have any influence over customer loyalty and limited control over the price.

Today's marketers see information not only as a tool for input for better decision-making, but also as ___________________________.

Answers

Today's marketers see information not only as a tool for input for better decision-making but also as an important strategic asset and marketing tool

Who is a marketer?

A person or business that promotes or advertises something

An employee who works in marketing is in charge of establishing a connection between the client and the good or service that the business is providing.

By keeping enormous inventories of products for supply or by effectively marketing the product to encourage large sales, this participation is attained.

When marketers enter the mix, though, a significant muddle results. Despite the fact that the terms sound relatively similar, there are a lot of significant differences.

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Can someone pls help ASAP pls

Can someone pls help ASAP pls

Answers

Just look up “different levels of skill required” jobs?

what will I need to start a clothing shop​

Answers

You could start a website and go on from there

Answer:

Explanation:

But meanwhile his you are going to start a new clothing business you will not have much finance ( money ) but first u have to advertise to the customers .  get the customers attraction and there satisfaction , because then one customer will spread the whole news about your clothing shop to almost all the customers. which will be beneficial for you .

You will have to advertise on the tv , radio , bill boards ,  newspapers , many other marketing equipments plus u must advertise your business in a way that the customers will be willing to purchase your clothes from your clothing shop.

Then eventually you will gain more profits and will lead to profits so after sometime you can create a a online shopping like a website , because some and many customers will be willing to purchase your clothes through the online platform. which saves the customers time and transportation costs and etc.

By the way the main element is customers because without customers there will be no lead / success to your clothing shop.

Hope this answer helps you :)

Have a great day.

Mark brainliest :)

mr. and mrs. bolt's joint return reports $267,500 agi, which includes $13,300 net investment income. compute the couple's unearned income medicare contribution tax. multiple choice $0 $665 $505 none of these choices are correct.

Answers

Mr and Mrs. Bolt unearned income medicare contribution tax when they want to report the joint return of $267,500 agi, which includes $13,300 net investment income is $505 so the answer is C.

What is joint return?  

A joint return is a tax return filed with the Internal Revenue Service (IRS) on the new, simplified from 1040 by two married taxpayers whose filing status is married filing jointly or by a widowed taxpayer whose filing status is Qualifying Widow.

It is not mean that IRS wants everyone to get married by filing joint return report, because even though a married couple can report the return individually. Basically it's just a way to make the report simpler by filing a joint return report for married couple. It will take lesser steps to make a report but with terms and conditions applied.

Now, we want to calculate Mr. and Mrs. Bolt's unearned income medicare contribution tax as follows :

Couple's unearned income medicare tax = net investment income * rate of medicare contribution

Where

rate of medicare contribution is 3.8% (which the government has determined flat medicare surtax on net investment income for married couples who earn more than $250,000 of adjusted gross income (agi)


Now, let's get back to the formula

Couple's unearned income medicare tax = $13,300 * 3.8%

= $505 (rounded)

Therefore, Mr. and Mrs. Bolt unearned income medicare contribution tax is $505 and the answer is C.

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caroline works for a corporation in oriel, a city that accommodates more than 10 million inhabitants. oriel is known as a(n) _____.

Answers

Caroline works for a corporation in Oriel, a city that accommodates more than 10 million inhabitants. Oriel is known as a megalopolis.

A megalopolis is a term used to describe a large urban area that is formed when several metropolitan areas grow and merge together, resulting in a single continuous urban region. Oriel is one of the largest megalopolises in the world, with a diverse economy that is driven by various sectors such as finance, technology, and manufacturing.

The city's large population of over 10 million inhabitants makes it a bustling metropolis with a vibrant culture and diverse communities. Oriel's corporations play a significant role in driving its economy and providing employment opportunities to its inhabitants.

Caroline's employment in a corporation in Oriel is indicative of the city's strong corporate sector, which is one of the key drivers of its economic growth.

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a buyer is purchasing a house for $500,000. she’s making a down payment of $50,000, and is financing the remainder. how much is her loan origination fee if the lender charges one-and-a-half points?

Answers

a buyer is purchasing a house for $500,000. she’s making a down payment of $50,000, and is financing the remainder. $6,750 is her loan origination fee if the lender charges one-and-a-half points?

When and why do lenders impose fees?

In order to evaluate a mortgage application and determine the riskiness of the loan, lenders impose an underwriting fee. Mortgage points are commonly used to denote the breakdown of these. As a percentage of the loan amount, these points are expressed. For processing and underwriting the loan, your lender will charge you a one-time application fee. In particular, if your lender has charged you multiple additional fees, you should and can negotiate this one.

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using online consumer tracking data and analytics to target advertisements and marketing offers to specific consumers is known as​ ________.

Answers

Online behavioural advertising, or OBA, is a type of online advertising that uses behavioural targeting to show users personalised information (such product recommendations) and specific ads.

The practise of promoting goods and services to customers through digital platforms is known as "digital marketing." Using websites, mobile devices, social media, search engines, and other like channels are all part of this sort of marketing. Throughout the 1990s, as the internet expanded, digital marketing gained popularity.

Content marketing, search engine optimization, social media optimization, email marketing, retargeting, influencer marketing, database marketing, event marketing, and product marketing are a few examples of marketing tactics.

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Which one of the following is NOT something to look for in identifying the key features of a company's corporate culture?

Answers

D. Profitability Identifying the key features of a company's corporate culture typically does not directly involve evaluating its profitability.

While profitability is an important aspect of a company's overall performance, it is not specifically related to the cultural values, norms, and practices that shape the organization. Instead, when identifying the key features of corporate culture, you would typically look for elements such as communication styles, decision-making processes, leadership styles, teamwork dynamics, employee attitudes, and organizational values.

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Which situations are examples of how credit scores determine nonfinancial opportunities for consumers? Check all that apply.

1. an employer determining whether a job candidate is smart
2. an employer hiring someone to handle financial information
3. an apartment owner gauging whether a tenant might break the rules
4. an apartment owner determining whether to rent a unit to someone
5. a car insurance company setting rates based on where someone lives
6. a car insurance company predicting the likelihood of future claims

Answers

The credit score of a consumer can determine nonfinancial opportunities for them in various ways. The following situations are examples of how credit scores can impact nonfinancial opportunities for consumers:

An employer hiring someone to handle financial information - A high credit score can indicate responsible behavior with finances and may make a candidate more appealing to an employer who is hiring for a role that involves financial responsibilities.

An apartment owner gauging whether a tenant might break the rules - Landlords may use credit scores to determine the likelihood of a tenant defaulting on rent or breaking lease terms, making a low credit score a potential red flag.

An apartment owner determining whether to rent a unit to someone - Similarly, landlords may use credit scores to screen potential tenants and decide whether to rent to them.

A car insurance company setting rates based on where someone lives - Car insurance companies may use credit scores as one factor in setting rates, with the assumption that people with good credit scores may be more responsible drivers.

A car insurance company predicting the likelihood of future claims - A credit score can be used as one factor to determine the likelihood of a policyholder filing a claim in the future.

It is important to note that credit scores are just one factor that may be considered in these situations and that these decisions should not be based solely on credit scores. Additionally, some of these situations, such as #1, are not appropriate uses of credit scores and could be discriminatory.

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Which of the following is NOT considered a goal of product promotion?
O Build product awareness
O Stimulate new product innovation
O Create customer interest
O Reinforce a positive product image

Answers

C) create customer interest
C because why not right

Which of the following types of utility enhances value by creating more useful or desirable products out of raw materials or separate parts?

Answers

Answer:

Form.

Explanation:

Six Sigma is a quality business management strategy which helps business organizations to improve the quality of processes, products and services by discovering and eliminating defects, variations or errors. It is a strategic business concept that was developed in 1986 by Motorola.

Under the six sigma approach, any process that doesn't provide customer satisfaction or causes challenges in an organisation's process should be eliminated from the system in order to produce quality products and services.

Form is a type of utility that enhances value through the creation of more useful or desirable products from raw materials or separate parts, so as to meet the unending requirements or needs of the consumers. It refers to characteristics such as size, external dimensions, mass, visual appearance, and weight that uniquely distinguishes an assembly, component or part.

Bridgett received her bank statement with a previous balance of $181.36. Total deposits were $475.00. Total checks written were $165.25. The service charge was $7.00. How much money does Bridget have in her checking account?

Your answer:

-$121.39


$484.11


$491.11

Answers

Answer:

$484.11

Explanation:

Calculation to determine How much money does Bridget have in her checking account?

Previous balance of $181.36

Add Total deposits $475.00

Less Total checks written $165.25

Less service charge $7.00

Checking account balance $484.11

Therefore How much money does Bridget have in her checking account is $484.11

Doug offers to sell a computer router to Eve, but it is stolen before Eve accepts. Doug:

a. is not required to obtain a similar item for Eve, because it could take an unreasonable period of time to obtain a replacement.
b. is not required to obtain a similar item for Eve, because the theft of the original router terminated the offer.
c. must obtain a similar item for Eve, if Eve offers to pay before delivery.
d. must obtain a similar item for Eve, if Doug tells Eve that he accepts the offer.

Answers

Answer:

The answer is B

Explanation:

Since its been stolen he can't offer her anything anymore based on that transaction

The role of information systems and technology in supply chain management no doubt plays a role in driving firms more toward a ________ approach and has made those supply chains that are dispersed all over the globe much easier to manage and control.

Answers

The role of information systems and technology in supply chain management is critical to the success of any organization. Information systems facilitate the exchange of data and communication between various stakeholders within the supply chain, enabling better coordination and control.

Technology, on the other hand, has revolutionized the way businesses operate, making it possible to automate many supply chain processes and make them more efficient. By leveraging technology, firms can track inventory levels, monitor delivery times, and optimize their logistics networks, all of which can lead to cost savings and improved customer service.

The use of information systems and technology in supply chain management has undoubtedly driven firms towards a more strategic approach, enabling them to manage complex global supply chains with greater ease and efficiency.

The role of information systems and technology in supply chain management no doubt plays a significant role in driving firms more towards a "centralized" approach. Information systems, such as Enterprise Resource Planning (ERP) and Warehouse Management Systems (WMS), help companies to effectively plan, manage, and control various supply chain activities. Technology, including data analytics, IoT, and automation, streamlines operations, improves visibility, and enhances communication. These innovations have made it possible for businesses to manage and control globally dispersed supply chains with greater efficiency and accuracy, ultimately leading to a more centralized and integrated approach.

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Dwyer/Morris pharmaceutical is considering two major investments and the respective cash flows are as follows:
period project 1 cash flow project 2 CF
0 (100,000) (100,000)
1 10,000 50,000
2 20,000 50,000
3 60,000 10,000
4 70,000 5,000
5 80,000 5,000
Both projects will be financed using funds generated from:
i. $1000,000 $1 Ordinary shares with a market value of $2.00 per share and an estimated cost of 22%
ii. $500,000 $1 Preference shares with a market value of 80 cents and an estimated cost of 15%
iii. $1 million Debenture stock with a market value of $80 per 100 nominal value and an estimated cost of 9%
You are required to:
Calculate the Weighted average cost of capital 9 marks
Calculate the Net Present value of each project 11 marks
Question 2
A project has an initial cost of $60 000, expected net cash inflows of $12,000 per year for 5 years, and a cost of capital of 12%.
What is the project’s MIRR? 10 marks

Answers

The WACC stands at 17. 25% when considering the weighted average expense of funds.

Project 1 has a net present value (NPV) of $11,633 whereas

Project 2 has a higher NPV of $17,594.

The project's MIRR stands at 15. 77%

How to solve

To determine the WACC, one must first assess the cost of each capital source and then assign a weight based on its percentage contribution to the overall capital structure of the business.

The expected return on equity amounts to 22%, the anticipated return on debt stands at 9%, while the projected return on preferred stock is 15%.

To determine the net present value of a project, one must evaluate the current worth of the project's cash inflows by adjusting them for the impact of time using a discount rate.

One way to determine the MIRR involves identifying the rate at which the present value of a project's future cash flows would be zero.

The project is deemed a profitable investment as both the NPV and MIRR demonstrate positive outcomes.

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with regards to demand characteristics, which type of product, functional or innovative, has the higher inventory levels?

Answers

Innovative products have larger inventory levels than utilitarian ones when it comes to demand characteristics.

What distinguishes inventive products from those that serve purely functional purposes?

In contrast to the demand for innovative products, which is very unpredictable due to their short life cycles, high levels of innovation, and high levels of fashion, the market for functional goods is stable because they have extended product life cycles.

How can something that starts out as merely beneficial end up being novel?

Innovative products are brand-new ones that have a distinctive offering. These products can have substantial profit margins because to the irregular demand patterns and the requirement for a supply chain that is very dissimilar from those of fundamental goods.

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A business must decide whether to open a new office in China. If it opens the
branch, it will increase its chances of selling a high volume of its products in
China. On the other hand, the business will have to spend a lot of money to
make the branch operational.
What would be an opportunity cost for the business if it chooses to open the
new branch in China?
A. The business could not use the money it spends on the new
branch for something else.
B. The business would be able to increase the selling prices for most
of its products.
C. The business would have to spend all its money making new
Chinese products.
D. The business would be able to easily sell its products to many new
customers.

Answers

Answer: A. The business could not use the money it spends on the new

branch for something else.

Explanation:

Opportunity cost simply means the cost of what one forgoes when an alternative decision is taken.

Since the business chooses to open a new branch in China, the opportunity cost will be the money that the business could have spent on something else.

Therefore, the correct option is A.

What is one way people can reduce the amount of taxes they owe in a year?
A. Give money to charity
B. Earn a higher income
C. Purchase luxury goods
D. Work longer hours

Answers

Answer:

A

Explanation:

Donating money to charity is one method people might lower their annual tax burden. Therefore, (A) is the correct option.

What is Tax?

Taxes are required payments made to individuals or enterprises by a government agency, whether local, regional, or federal. Income, capital gains, or the estate are all subject to taxes.

One of the ways to reduce the amount of tax payable is to donate money to a charity.

Therefore, (A) is the correct option.

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Look for _____ in research information showing preferential treatment or consideration regardless of legitimate reasoning.

credibility
relevance
bias
additional sources

Answers

Answer:

bias

Explanation:

bias is the true anwer

When Sam applied for a loan, he was assured that his rate would not change if he closed within 30 to 90 days. Sam had a(n) ______ on the interest rate.

Answers

Given that the interest rate would not change for a given period of time, we can say that Sam had a lock on the interest rate.

What is interest rate?

This is the extra money that grows due to the fact that people are saving their money in the bank.

It is the rate at which the benefit that is accrued from saving or investment grew overtime.

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Sales tax in your community is 7.5%. If you go to Becks and buy a polar pop for $0.99, slice of pizza for $2.25, and chips for $0.75, what amount will you pay once the sales tax is added to your purchase?

Answers

Answer:

$4.29

Explanation:

Sales tax is a type of consumption tax. It is levied by the government or an agency of the government on the sales. Taxes increase the prices of goods and services

Total amount paid = total price of items purchased + tax amount

total price of items purchased = $0.99 +  $2.25 + $0.75 = $3.99

Tax amount = 0.075 x $3.99 = $0.299

Total amount paid = $4.29

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