Suppose there were two factors influencing the past default behavior of borrowers: the leverage or debt-assets ratio (D/A) and the profit margin ratio (PM). Based on past default (repayment) experienc

Answers

Answer 1

The past default behavior of borrowers can be influenced by the leverage (D/A) and profit margin (PM).

Based on past default (repayment) experience, the leverage or debt-assets ratio (D/A) and the profit margin ratio (PM) can be seen as two influential factors in borrower behavior.

The D/A ratio measures the proportion of debt to assets, indicating the extent of leverage or financial risk taken by the borrower. A higher D/A ratio suggests higher financial risk and potentially a greater likelihood of default if the borrower's income or cash flow is insufficient to service the debt.

On the other hand, the profit margin ratio (PM) reflects the profitability of the borrower's business or financial position. A higher PM indicates a healthier financial position with a greater ability to generate income and meet financial obligations, reducing the probability of default.

Therefore, past default behavior may show a correlation between higher default rates and higher D/A ratios, while lower default rates could be associated with higher PM ratios.

These factors can provide valuable insights for lenders and risk assessors to make informed decisions and manage credit risk effectively.

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Related Questions

We define employees’ performance levels as A, B, and C levels. A Performers are defined as superstars, B Performers as steady with potential to become A Players, and C Players as marginal (needing remediation). How does an effective performance management system contribute to real performance differentiation among different levels of performance?

Answers

An effective performance management system contributes by setting clear standards, using objective assessment methods, providing feedback and coaching, linking rewards to performance, and offering development opportunities.

An effective performance management system plays a crucial role in differentiating employees' performance levels.

1. Clear Performance Standards: A well-designed performance management system sets clear performance standards for each level (A, B, and C). These standards outline the expectations and behaviors associated with each level, providing employees with a clear understanding of what is required to achieve higher performance levels.
2. Objective Assessment: The system incorporates objective assessment methods, such as goal setting, performance reviews, and metrics, to evaluate employees' performance. This ensures that evaluations are based on concrete evidence rather than subjective opinions, promoting fairness and accuracy.
3. Feedback and Coaching: The system includes regular feedback and coaching sessions between managers and employees. This allows managers to provide constructive feedback, address performance gaps, and help employees develop the skills and competencies needed to move up to higher levels.
4. Rewards and Recognition: An effective performance management system links rewards and recognition to performance differentiation. High performers (A Players) are acknowledged and rewarded, motivating them to maintain their exceptional performance. Meanwhile, underperformers (C Players) receive appropriate feedback and support for improvement.
5. Development Opportunities: The system identifies development opportunities for employees based on their performance level. A Players may be offered challenging assignments or leadership roles, while B Players are provided with growth opportunities to bridge the gap between their current level and the A level.
In conclusion, an effective performance management system contributes to real performance differentiation by setting clear standards, using objective assessment methods, providing feedback and coaching, linking rewards to performance, and offering development opportunities. This helps in identifying and nurturing superstars (A Players), steadily improving B Players, and addressing the performance gaps of marginal performers (C Players).

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Characteristics of an effectively worded strategic vision statement are most likely to include
A) balanced, responsible, and rational.
B) challenging, competitive, and "set in concrete."
C) graphic, directional, and focused.
D) realistic, customer-focused, and market-driven.
E) achievable, profitable, and ethical.

Answers

The characteristics of an effectively worded strategic vision statement are most likely to include graphic, directional, and focused.(C)

A well-crafted strategic vision statement should provide a clear and inspiring picture of the organization's future direction. This means it should be graphic, helping people visualize the desired outcome. It should also be directional, giving a sense of where the organization is heading and what it aims to achieve.

Finally, it should be focused, concentrating on the key aspects that will drive success and enable the organization to stand out from competitors.

By being graphic, directional, and focused, a strategic vision statement can guide an organization's decision-making and motivate employees to work towards a common goal.

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Right now, there are people all over the world who are just like you. They're either lonely, they're missing somebody, they're depressed, they're hurt, they're scarred from the past, they're having personal issues no one knows about, they have secrets you wouldn't believe. They wish, they dream and they hope. And right now, they are sitting here reading these words, and I'm writing this for you so you dont feel alone anymore. Always remember, don't be depressed about the past, don't worry about the future, and just focus on today. If today's not so great don't worry! Tomorrow's a new chance. If you are reading this, be sure to share this around to make others feel better And God Loves you no matter who dosent . Have a nice day! :)

Answers

Answer:

why are you telling us this bro

Explanation:

Answer:NO ONE CARES

Explanation:

Which of the following is an example of a game where the customer can choose their own numbers?

Which of the following is an example of a game where the customer can choose their own numbers?

Answers

An example of a game where the customer can choose their own numbers is; Mega millions.

Playing the Mega millions game

Mega Millions is a game whose tickets cost $2.00 per play. Players may pick six numbers from two separate category of numbers;

Five different numbers from 1 to 70 (the white balls) and One number from 1 to 25 (the gold Mega Ball)

The jackpot is hit when all six numbers match the six drawn numbers.

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Which is a cause for quality issues in IS implementation?

Which is a cause for quality issues in IS implementation?

Answers

The scope of the project increases due to change requests from clients. Option B is correct

This is further explained below.

What is  IS implementation?

Generally, A strategy, technique, or any concept, idea, model, specification, standard, or policy for carrying out anything is considered to have been implemented when it is put into action or practiced.

Therefore, the activity that must follow any preparatory thought that is done in order for anything to truly happen is known as implementation.

In conclusion, Changes that were requested by customers resulted in an expansion of the project's scope. Alternative C

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Answer:

The scope of the project increases due to change requests from clients.

Explanation:

Get–Around Cab Company charges $2. 50 upon entry and $2 per mile. Write the function that represents the cost C of a ride of m miles.

Answers

Therefore, the cost of the ride increases as the distance traveled by the passenger increases. In a cab company named Get-Around Cab Company, the cost of a ride of m miles is represented by the function that is written as follows: `C(m) = 2.50 + 2m`.

Get-Around Cab Company charges $2.50 upon entry and $2 per mile. The total cost of the ride depends on the distance traveled by the passenger. In this case, the cost of the ride of `m` miles can be represented as the sum of two parts. The first part of the cost is the initial fare that the passenger has to pay upon entering the cab, which is a constant value of $2.50.

The second part of the cost depends on the distance traveled by the passenger. The rate for this part is $2 per mile. Therefore, the second part of the cost can be represented as `2m`, where `m` is the number of miles traveled by the passenger. The total cost `C` of the ride can be obtained by adding the two parts of the cost.

Therefore, we get: `C(m) = 2.50 + 2m`.The function that represents the cost of a ride of `m` miles is `C(m) = 2.50 + 2m`. This function gives the total cost of the ride in dollars, depending on the number of miles traveled.

For example, if a passenger travels `10` miles, the cost of the ride will be: `

C(10) = 2.50 + 2(10)

= 2.50 + 20

= 22.50`.

Similarly, if a passenger travels `20` miles, the cost of the ride will be: `

C(20) = 2.50 + 2(20)

= 2.50 + 40

= 42.50`.

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Answer:

It's 2, then 2.5.

Explanation:

Edge 2020;)

Can Some people give me brainliest I'll give ya'll all my points when I see it

Answers

Answer:

Explanation: why u delete all your questions that u answered for me?

Read the scenario, and then answer the question about the report title. Jeremy is a manager in the corporate office of a chain of bookstores that has been negatively affected by the recession. His boss has asked him to study how the company could cut costs without losing any employees, Jeremy has prepared a 15-page report that includes analysis of current costs, projections of the effects of different cost cutting measures, and recommendations on which cost cutting solutions would be most effective. What would be the best title for Jeremy's report? O costs and Employees O Cost-Cutting Solutions to avoid Staff Reductions O A Critical Analysis of Our Budget Situation Which of these statements describe executive summaries? Check all that apply. O Executive surmaries Highlight the report's conclusions and recommendations. O Executive summaries introduce the report and preview the major divisions. O Executive summaries include many supporting details and background information.
O Executive summaries summarize the major sections of the report,

Answers

The best title for Jeremy's report would be: "Cost-Cutting Solutions to avoid Staff Reductions."

The following statements describe executive summaries:

Executive summaries highlight the report's conclusions and recommendations.Executive summaries introduce the report and preview the major divisions.Executive summaries summarize the major sections of the report.

Executive summaries serve as concise summaries of the main points and findings of the report, providing readers with a high-level overview without going into excessive detail. They typically highlight the key takeaways, recommendations, and major sections of the full report.

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if aspects that customers have come to expect in a technology are difficult for competitors to imitate, being the technology leader will

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If aspects that customers have come to expect in a technology are difficult for competitors to imitate, being the technology leader will yield sustained monopoly rents.

Customers are reluctant to switch to a new technology if it does not offer the same features and benefits as the technology they are already using. This gives the technology leader a significant advantage over its competitors, as it can charge higher prices for its products and services.

For example, Apple is the technology leader in the smartphone market. Its iPhones are known for their sleek design, intuitive user interface, and powerful features. These features have become so synonymous with the iPhone that many customers are unwilling to switch to a different smartphone brand. This gives Apple a significant advantage over its competitors, as it can charge higher prices for its iPhones.

In addition, being the technology leader can give a company a first-mover advantage. This means that the company can be the first to market with a new technology, and it can therefore benefit from being the only company that offers that technology. This can give the company a significant head start over its competitors, and it can make it difficult for those competitors to catch up.

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why is there a need for us to maintain at least an average credit score​

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Answer:

Because when you are moved out and on your own most places like Apartments, motels, and certain jobs might require you to have good credit scores. If you have poor credit scores those places may not accept you and it would be really difficult to find any places to live or jobs to get without decent credit scores.

Explanation:

(I hope this answers your question. if there are options please tell me the options!).

:)

hat's bad about not having a store of value?

Answers

Not having a store of value can be problematic for individuals and businesses alike.

A store of value is a way to preserve wealth over time and protect against inflation. Without a store of value, money or assets can lose value quickly, making it difficult to maintain financial stability. Additionally, not having a store of value can make it harder to plan for the future, as there is no certainty about how much money will be worth over time. This can lead to uncertainty, anxiety, and financial stress. In short, not having a store of value can limit financial options and create financial insecurity.

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What are four types of taxes that you pay (or are likely to pay in the future)? Describe these types of taxes

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Four types of taxes that you can pay are the State Withholding Tax, a Federal Withholding Tax, a Property Tax, and a Sales Tax. Both withholding taxes are withheld from your paycheck going into state officials and federal officials. Property Taxes are charged against any personal property that you own, and Sales Tax is what you pay on any purchases that you buy, each price varying depending on what state or country you're in.

The State Withholding Tax, Federal Withholding Tax, Property Tax, and Sales Tax are the four sorts of taxes you can pay.

What is Property Tax?

A property tax, usually referred to as a millage rate, is levied by the majority of regional governments in the United States as their main revenue source. Either real estate or private possessions may be subject to this tax. The majority of property owners are required by law to pay real estate taxes in each of the 50 states of the United States, and state property taxes differ.

It's interesting to note that in the USA, property taxes are the main source of income for state and local governments. Property taxes are assessed based on the value of your home, and the average rate is now between 0.1% and 1.9%.

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In the "pay yourself first" budgeting strategy, what is the first thing you do with your money each month
Treat yourself to an item you've been wanting to buy
Put money into your savings account
Pay all of your bills
Take cash out to have in your wallet

Answers

Answer:

Put money in a savings account

Explanation:

While t’s critical to pay all your bills on time, planning for your future can’t always take the back seat. When you pay yourself first, you pay yourself (usually via automatic savings) before you do any other spending. In other words, you are prioritizing your long-term financial well-being.

You may not immediately see the benefit of paying yourself first, but don't get discouraged. If a financial emergency arises, this strategy can help you weather the storm. Ultimately, paying yourself first is about putting yourself first, which helps make sure you’re prepared for whatever’s yet to come.

HELP PLZ WILL GIVE BRAINLIEST. Click this link to view O*NET’s Tasks section for Human Resources Managers. Note that common tasks are listed toward the top, and less common tasks are listed toward the bottom. According to O*NET, what are some common tasks performed by Human Resources Managers? Check all that apply.

HELP PLZ WILL GIVE BRAINLIEST. Click this link to view O*NETs Tasks section for Human Resources Managers.

Answers

Answer:

the awnser to this question is A C D F i promise these are right i had the same question

Explanation:

mark brainliest pls

Answer:
it is A, C, D, F
Explanation:
I just answered it

In times of rising prices, ending inventory determined using the lifo inventory assumption will be:________

Answers

In times of rising prices, ending inventory determined using the LIFO inventory assumption will be lower than what it would be if the FIFO assumption was used.

Inventory is a current asset account that is listed on the balance sheet. It involves all goods, such as raw materials, work-in-progress, and finished goods, which a business carries and intends to sell in the future.LIFO and FIFO are the two different inventory costing methods. FIFO means “first-in, first-out,” which means that the items that were bought first are the first ones to be sold. LIFO means “last-in, first-out,” which means that the most recent items purchased are the first to be sold.

Assumption is a method of business used to determine the cost of inventory it has on hand and the cost of goods sold for the period is called an inventory costing method. LIFO, FIFO, and average cost are the three most commonly used inventory costing methods. It's critical to choose the right method for your business.

The inventory costing method you pick affects your company's balance sheet, income statement, ands taxes. The LIFO inventory costing method is used when prices are rising. Because the cost of items purchased most recently is greater than the cost of those purchased earlier, using LIFO during rising prices means that the most expensive items remain in ending inventory, causing a decrease in reported profit.

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Which of these is an educational institution where you can complete an undergraduate
study program in order to get a bachelor's degree?

A 2 year ollege
B Technical School
C Certificate program
D 4 year College

Answers

I do not know the anwser maybe d anwser my questions

During the last year Alpha Co had Net Income of $150, paid $20 in dividends, and sold new stock for $40. Beginning equity for the year was $700. Ending Equity was:
a. $850.
b. $840.
c. $830.
d. $870.

Answers

d. $870.

To calculate the ending equity for Alpha Co, we will consider the net income, dividends, and new stock sold during the year.

Here's a step-by-step explanation:
1. Start with the beginning equity: $700.
2. Add the net income for the year: $700 + $150 = $850.
3. Subtract the dividends paid: $850 - $20 = $830.
4. Add the proceeds from the new stock sold: $830 + $40 = $870.

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what are the basic requirements to become entrepreneur?Mention them​

Answers

Answer:

Most entrepreneurs start their career with a business bachelor's degree or a specific bachelor's in entrepreneurship and then nourish their skills in an MBA program. In MBA programs, students are motivated to use their creative potential as they learn to build ventures.

Explanation:

hope it will help you have a great day bye and Mark brainlist if the answer is correct

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Why would you possibly not be able to use a check that you just deposited in a checking account?
A The deposit has been overdrafted
B the deposit is still pending
C the financial institution is closed for the day
D the FDA/ NCUA has not insured it yet

Answers

We will possibly not be able to use a check that you just deposited in a checking account if the deposit has been overdrafted.

What is a deposited check?

Generally, a bank may hold a deposited check if there are insufficient funds in the payer's account or if the payer's account is closed or blocked for some reason.

But, in this context, if the deposit has been overdrafted, then one will possibly not be able to use a check that you just deposited in a checking account.

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Discount stores owe much of their success to a competitive strategy based on: special credit arrangement. extra service. low prices. a wide selection in a limited number or categories of goods.

Answers

Discount stores owe much of their success to a competitive strategy based on low prices. This pricing strategy is aimed at attracting a large number of customers by offering products at a lower price than their competitors. By doing so, discount stores can increase their customer base and sales volume, which ultimately leads to higher profits.

In addition to low prices, discount stores also focus on offering a wide selection in a limited number of categories of goods. This approach helps them to reduce their costs by streamlining their inventory management and purchasing processes. By limiting their product offerings, discount stores can focus on sourcing and stocking the most popular and profitable items, ensuring that they are always in stock and easily accessible to customers.

Overall, discount stores have been successful in the retail industry by focusing on offering a combination of low prices and a wide selection of goods. By doing so, they have been able to attract a large customer base and increase their sales volume, while also streamlining their operations and reducing their costs. This has enabled them to offer their products at a lower price than their competitors, making them a popular choice for budget-conscious consumers.

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At what age can you start working?

Answers

Answer:

Explanation:

depends on where you live

Explanation:

It really depends on the jobs and requirements but you can USUALLY do small work like walking a dog or babysitting at 13-14

Explain at least four costumer rights.

Answers

Answer: The right to safety, the right to be informed, the right to choose and the right to be heard.

Explanation:

What is the purpose of assessment planning?.

Answers

Your assessment project will be guided by a framework provided by an assessment plan, ensuring that everyone is aware of their individual responsibilities and the overall timeline.

What is the primary objective of the examination?

The primary goal of assessment is to assist in determining which students have learning gaps and which remedial steps should be taken to close those gaps so that students can continue or improve their education.

What does a student get out of an assessment?

Students' motivation, learning, and grading should all be incorporated into assessment. Methods of assessment that have been thoughtfully designed provide useful data about how students learn. They let us know what understudies realized, how well they learned it, and where they battled.

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List 7 types of media's with notes about them. Or less.​

Answers

Answer:

good

Explanation:

Print Media (Newspapers, Magazines)

Broadcast Media (TV, Radio)

Outdoor or Out of Home (OOH) Media.

Internet.

you are using food labels to avoid purchasing products with trans fatty acids. which of the following would you avoid, since it is the most likely to contain trans fatty acids? group of answer choices mayonnaise olive oil avocadoes fully hydrogenated vegetable oil margarine with partially hydrogenated vegetable oil as an ingredient

Answers

The most likely to contain trans fatty acids Fully Hydrogenated Vegetable Oil.

What is Vegetable ?

Vegetables are edible plant parts that are typically harvested from the ground, such as roots, stems, leaves, flowers, and seeds. They are a major food source for people around the world, providing essential vitamins, minerals, and dietary fiber. Many types of vegetables can also be cooked, eaten raw, juiced, or used in a variety of other ways. Vegetables are low in calories and fat, and can help reduce the risk of chronic illnesses, such as heart disease, diabetes, and cancer. Eating a variety of vegetables can also provide essential antioxidants, which can help the body fight off free radicals, which can damage cells and lead to diseases. In addition, vegetables can provide a source of plant-based protein, as well as other important minerals and vitamins.

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ECONOMICS!HELP!!!!!!!

ECONOMICS!HELP!!!!!!!

Answers

It’s the second option 1 and 4

Approximately what percentage of a reduction in errors did international air transport association have when thier employees working in cargo management obtaned instant access to clear and consistent working instructions for key tasks, such as accepting cargo as ready for air carriage?.

Answers

34% of a reduction in errors did international air transport association have when their employees working in cargo management obtained instant access to clear and consistent working instructions.

Transporting shipments, unloading cargo, picking, sorting, and storing are all included in the term "cargo management," which describes how these tasks are handled in logistical centres and warehouses. Those who organise, facilitate, expedite, and route the flow of incoming and departing shipments cargo and freight shipments in airlines and cargo agencies are known as cargo management officers. The cargo management officer makes sure that shipments of goods are kept and handled in accordance with Standard Operating Procedures (SOPs) and handling regulations. All shipment paperwork is prepared by the cargo management officer, who also handles stock control and housekeeping duties. Shipments are organised in accordance with cargo plans, thanks to the cargo management officer.

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Write a muical expreion with at leat three operation that ha the ame value a (12-9) x 43 jutify your anwer

Answers

The required numerical expression with at least three operations that yield the same value as (12-9) x 43 is (23 - 20)  x (40 + 3).

First, determine the solution for the given expression:

= (12-9) x 43

= 3 x 43

= 129

The given expression gives result 129.

Now write a numerical expression that provides the same value as the expression (12-9) x 43 produces.

For instance,

= (23 - 20) x (40 + 3)

Now solve it to check to see if it gives 129.

= (23 - 20) x (40 + 3)

= 3 x 43

= 129

Therefore, (23 -20) x (40 + 3) is the required numerical expression.

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What is the Congress or Legislative branch?

Answers

Answer:

The legislative branch is made up of the House and Senate, known collectively as the Congress. Among other powers, the legislative branch makes all laws, declares war, regulates interstate and foreign commerce and controls taxing and spending policies.

Explanation:

Which of the following describes how the U.S. government protects and supports farmers and ranchers?
through establishing and maintaining food standards
through programs that provide direct payments
through allowing agribusiness companies to create oligopolies
through strict measures of qualis for commodities

first one to get it right gets Brainliest ​

Answers

Answer:

through allowing agribusiness companies to create oligopolies

Explanation:

Answer:

through programs that provide direct payments

Explanation:

The United States government gives free money to farmers and ranchers through a government subsidiary.

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