Author: chowdhury.munna

Crop insurance basic fact is a risk management tool .It is not an entitlement program . It is not an agricultural subsidy .It is an insurance product that is offered by private companies . It is regulated by the federal government with the goal of providing a dependable insurance product at a fair price to farmers and to avoid excessive losses to the taxpayers . It is based on the concept that farmers pay their premiums and, if a loss occurs they get payments based on their insurance coverage . What is crop insurance Crop Insurance is one of the…

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Dog vaccine are most important part of prevention healthcare, especially for dog. Not too long ago authority killed huge untold number of dogs. Now, these diseases are almost entirely preventable when dogs receive vaccinations as on appropriate time schedule. How do vaccine work Vaccines guard against disease by exposing pets to disease-causing microorganisms (in whole or in part) that have been inactivated or otherwise modified so they don’t produce the disease in question. By introducing the dog to this controlled stimulus, the immune system can build a defense against future exposure. What kind of vaccine do dog need? Dog vaccines…

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Syndicate finance is one in which contract two or more bank ( the syndicate lenders) contract with a borrower to provide the loan on common terms and conditions governed by a common documents or set of documents. What is syndicate Finance: As per Investopedia, “A syndicated loan, also known as a syndicated bank facility, is financing offered by a group of lenders referred to as a syndicate-who work together to provide funds for a single borrower. The borrower can be a corporation, a large project, or a sovereign government. The loan can involve a fixed amount of fund, a credit…

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Machinery insurance is a policy that provides protection for machines, equipment and tools. It can cover the cost of repairs or replacement if the machinery is damaged or destroyed. The policy can also provide liability coverage if the machinery causes injury or property damage. What is covered by machinery insurance? This insurance typically covers the cost of repairs or replacement if the machinery is damaged or destroyed. The policy can also provide liability coverage if the machinery causes injury or property damage. Machinery Ins covered policy All our machinery is covered with the insurance. This policy offers protection against any…

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Corporate guarantee is a guarantee made by a limited company on behalf of another company or individual. The corporate guarantee is a contract between the limited company and the guarantor, in which the limited company agrees to pay the debt or liabilities of the other company or individual if they are unable to do so. The corporate guarantee can be used as security for a loan or other financial agreement. In a word a corporate guarantee is a type of financial guarantee made by a corporation to back the debts or financial obligations of another party. Advantage of corporate guarantee…

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Define Portfolio management, the portfolio is a collection of investment instruments like shares, mutual funds, bonds, FDR and other cash equivalents, etc. Portfolio management is the art of selecting the right investment tools in the right proportion to generate optimum returns with a balance of risk from the investment made Objectives of Portfolio Management Capital Growth Capital growth is the increase in value of an asset over time. The asset may be a physical object, such as a piece of real estate, or a financial asset, such as a stock or bond. Capital growth can be positive or negative, depending on…

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Loan pricing means determining the interest rate for granting loan to creditors. Individuals or business firms it is one of the most important. However difficult task in lending funds to business firms & other customers. Because it is always very difficult to exactly know what the actual loan risk a particular loan application is. What is the importance of loan pricing Generally the lender wants to charge a high enough rate to make sure that the loan will be profitable as well as it will covers enough compensation against the default risk. On the other hand loan price must be…

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Loan write-off facility means the provision to remove the debt from the balance sheet by providing adequate resources instead of inflating the accounting sector unnecessarily when the quality of a loan is declining and there is uncertainty of recovery. What is loan write-off facility? Coming to the term Write-Off loans, one major point that differentiates it from waive-off is that the loan amount is not cleared out or waived off. For example, a person has taken a loan from a bank for a foreign trip and has not returned the loan amount to the bank after the promised time duration.…

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Good borrower qualities is similar to Prospective borrower quality. Good borrower means any person who seeks to borrow money to finance in business , construction, export or import trading, fisheries or agricultural sector. Special point to select good borrower qualities 1.Credit-worthiness.  Bank or financial institutions have to deal with the applicant’s credit history, their capacity to pay, and in some cases, the value of their collateral., stable incomes, loan payment history, and liquid assets.2. Management skills.  Banks not only justify proof of income, but also proof of business management policy, ownership of assets, and so on.3. Sense of integrity. Integrity means Keeping word in all financial…

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Mortgage papers and types is important knowledge for credit officer in bank and financial institution. Firstly we will discuss what is mortgage “A mortgage is a mode of creation of charges on the immovable assets for securing the investment facility” According to Section 58 (a) of the Transfer of Property Act-1882, “ A mortgage is the transfer of an interest in specific immovable property for the purpose of securing the payments of money advanced by way of investment/loan, an existing or future debt or the performance of an engagement which may give rise to a pecuniary (financial) liability. The transferor…

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