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Finance

Ratio Analysis for Credit Appraisal

A financial ratio is a mathematical comparison. There are literally hundreds if not thousands of ratios analysis that can be calculated. They help to determine the overall financial condition of a customer’s business. Ratios are

Finance

Most Common Form/Types of Bankruptcy

The main purpose of bankruptcy is to give an honest debtor a fresh start in life by relieving them of their debts, subject to certain terms and conditions. If a debtor becomes insolvent,

Finance

Key Ratios to Analyse Credit Worthiness

How much of your total available credit have you used? How much do you owe on specific types of accounts, such as a home, car or credit card loans, credit cards and installment accounts? These

Finance

Changes in equity statement examples with template download

A Statement of Change in Equity is a financial statement that shows the changes in the share owner’s equity over a specific accounting period. These changes may be the result

Finance

Cash flow statement examples with template download

Statement of cash flows. This report reveals the cash inflows and outflows experienced by an organisation during the reporting period. These cash flows are broken down into three classifications, which are

Finance

Capital investment – the most important corporate finance task

The whole purpose of owning a business is for it to survive, grow and function for the long term. And when it comes to capital investment it refers to funds invested in

Finance

How to make smart financial decisions

Making smart financial decisions should be a priority for anyone interested in building wealth and becoming financially independent. Taking certain directed steps can make this easier. Having the belief that you are able to achieve your financial

Finance

Who is responsible for payroll?

Payroll is a system used to calculate the amount of money that businesses should pay its employees. This is also the department that ensures that amounts are accurate and that they are paid on

Finance

Tips on what to avoid when saving money

The ultimate goal of saving should be the achievement of financial independence, which is why it’s vital to prioritise your financial goals.  There are a few things you need to avoid

Finance

When is it best for one to start saving?

It’s never too early to start saving. By making a habit of saving from a young age, you have a better chance of saving more money in the long-term.  You need