IFMR Track presented by Ms. Bindu Ananth, President, IFMR Trust, on New Financial Instruments for Social Enterprises at Khemka Forum on Social Entrepreneurship.
MSME Financing - Alternative Financing Instruments - Part - 14Resurgent India
Asset-based finance, which includes asset-based lending, factoring, purchase-order finance, warehouse receipts and leasing, differs from traditional debt finance, as a firm obtains funding based on the value of specific assets, rather than on its own credit standing. Working capital and term loans are thus secured by assets such as trade accounts receivable, inventory, machinery, equipment and real estate.
Hey, Do you want to know something about Debt or Equity? Then just one click on Link is given in PPT and you will get import information on it which will help you. So, Do just One Click on Link.....
MSME Financing - Alternative Financing Instruments - Part - 14Resurgent India
Asset-based finance, which includes asset-based lending, factoring, purchase-order finance, warehouse receipts and leasing, differs from traditional debt finance, as a firm obtains funding based on the value of specific assets, rather than on its own credit standing. Working capital and term loans are thus secured by assets such as trade accounts receivable, inventory, machinery, equipment and real estate.
Hey, Do you want to know something about Debt or Equity? Then just one click on Link is given in PPT and you will get import information on it which will help you. So, Do just One Click on Link.....
FINANCIAL MANAGEMENT- Sources of finance
Sources of finance can be classified into:
Internal sources (raised from within the organisation)
External (raised from an outside source)
Internal Sources Owner’s investment
Internal Sources Retained Profits
Internal Sources Sale of Stock
Internal Sources Sale of Fixed Assets
Internal Sources Debt Collection
External Sources Bank Loan
External Sources Share Issue
External Sources Share Issue
FINANCIAL MANAGEMENT- Sources of finance
Sources of finance can be classified into:
Internal sources (raised from within the organisation)
External (raised from an outside source)
Internal Sources Owner’s investment
Internal Sources Retained Profits
Internal Sources Sale of Stock
Internal Sources Sale of Fixed Assets
Internal Sources Debt Collection
External Sources Bank Loan
External Sources Share Issue
External Sources Share Issue
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11Resurgent India
MSME Summit - MSMEs Issues and Challenges(Finance related) - Part - 11
MSMEs face several challenges in the fields of technology, finance, operations, and marketing.
Working Capital Finance: Essential for SMEs to Grow and ThriveM1xchange
Small and medium-sized enterprises (SMEs) play a crucial role in the growth and development of any economy. However, they often face financial challenges, particularly when it comes to managing their working capital. Working capital is the lifeblood of any business, and insufficient working capital can lead to serious problems, including bankruptcy. This is where working capital finance comes in. In this article, we will discuss the importance of working capital finance for SMEs and how they can avail it.
Presentation by Lamon Rutten : "Value chain finance and risk management" presented at the Regional forum on cassava in Central Africa, from 6 to 9 December, 2016, in Yaoundé, Cameroon. More information: http://www.cta.int/en/news/regional-forum-on-cassava-in-central-africa.html
SME Finance: The Essentials for Small Businesses in IndiaM1xchange
SME finance is crucial for the development and growth of SMEs in India. However, SMEs face many barriers in accessing finance from formal sources. To overcome these barriers, SMEs can explore various options, such as bank loans, non-bank loans, equity financing, or invoice financing. They should also improve their financial management, creditworthiness, and awareness of available schemes and opportunities.
Venture Financings 101 (SAFEs, Convertible Notes, Seed and Series A) | Bardia...UCICove
An introductory crash course on the typical legal and business terms involved with, and negotiated in, venture capital fundraising including SAFE, Convertible Note, Series Seed and Series A financings.
Fiduciary or paper money is issued by the Central Bank on the basis of
computation of estimated demand for cash. Monetary policy guides the Central
Bank’s supply of money in order to achieve the objectives of price stability (or low
inflation rate), full employment, and growth in aggregate income.
Open Business Council offers resources, Trade Finance, business advice, SME Finance and a forum and directory for businesses!
http://www.openbusinesscouncil.org/
What are the most important economic ideologies? How did they originate? Who were the theorists behind them? And how did these ideas evolve? In this Spark session, Ravi traces the history of economic thought from seventeenth century onwards to provide a context to the current fractious economic policy debates and how one amongst these ideas will define our future.
We often dismiss stories, saying "anecdotes aren't data," but data enriched with anecdotes can be far more effective than just data in changing minds and getting people to pay attention. In this Spark session Amy Jensen Mowl & Vaishnavi Prathap highlight a few examples where just adding some narrative elements to data can have a big impact in overall communication.
Framework for Estimating the Capital Against Event RiskIFMR
Events like natural disasters can impact the performance of a credit portfolio. However, the relation between the event occurrence and the eventual portfolio loss is a complex one. In this presentation Vaibhav Anand talks about an initial framework to estimate the potential loss due to natural disasters.
How much can asset portfolios of rural households benefit from formal financi...IFMR
Vishnu Prasad & Rachit Khaitan talk about their research paper “How much can asset portfolios of rural households benefit from formal financial services?” This paper is a systematic attempt to quantify the benefits of financial inclusion and capital markets access using tools of modern finance.
In this Spark session Ravi Saraogi talks about why estimating default risk in fund structures can be a challenging task. He presents on how this process has evolved over the years and the current methodologies for assessing such risks.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
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2. Enterprise Financing 101 Expected returns of the enterprise need to be positive, for lender or equity investor Lenders are providers of liquidity, not risk capital Very high volatility (sales and price) poses a challenge to lenders; lenders need a cushion for bad years Equity is willing to take uncertainty, but is scarce and needs to be compensated (read ROE > 20%) Direct equity infusion might be unviable given the size and legal nature of the average social enterprise
3. New Approaches to Financing Three questions to deliberate: How can a not-for-profit enterprise raise risk capital? Mezzanine finance How can a lender take exposure to a set of clearly identifiable assets with the enterprise itself being a servicer/facilitator? Securitisation/cash flow trapping/commodity finance Are there trade relationships that can substitute for equity for the enterprise? Receivables financing
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5. Mezzanine Finance for Not-for-Profit MFIs (cont.) Mezzanine finance – a innovative medium for MFIs to facilitate growth Subordinated debt structures and convertible debt Term loans with maturity of 3 – 7 years Guarantee based instruments such as First Loss Deficiency Guarantee Subscribe to Junior tranches in a securitization transaction Treated like equity in the balance-sheet and enables leverage without proportionate Tier 1 equity High coupon, may be combined with revenue sharing arrangement No “ownership” for the mezzanine lender
6. Case 2: Microfinance Securitization Mechanism Homogenous, high quality but illiquid financial assets are pooled to create marketable securities Creates a class of portfolio that has a higher rating than the issuing company Issues are usually rated by an accredited credit rating agency Junior notes may be subscribed by an entity packaging the assets Benefits to MFIs Ability to raise finance at a relatively low cost Partial or total removal of assets from its balance sheet Diversification of funding sources, access to the capital markets Impart pricing flexibility on the lending side and enhance return on assets deployed
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9. Case 3: Commodity Financing for Producer Co. Commodity-producer co. have traditionally raised financing via straight lending, which has been constraining Commodity financing could help unlock collateral value embedded within producer companies Unlike traditional financing which focuses on flow of funds and the financial strength of the borrower, leverages the existence of commodity or asset to improve the credit quality of financing
10.
11. Loan eligible as ‘direct-agri priority sector’; lower rate of interest
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13. School Fee Receivables Financing (cont.) School can raise financing against future school fee receivables Predictability and granularity of receivables A cash flow trapping mechanism of the fee receivables of the school Students’ fee to be remitted to the lender directly and paid to school after deducting repayments A village branch infrastructure required
14. Case 5: Buyer-Linked Supply Chain Financing Credit quality of a standalone producer very different from a producer with a robust buyer arrangement A new way to release trapped cash from operations Third-party financier provides liquidity to suppliers by leveraging the buyer’s higher credit rating Benefits Accelerating producers’/aggregators access to lower cost of capital without infusion of extra equity Reduce working capital requirements through improved days payable outstanding
All this is possible given the fact that regulations are silent on these issues- FLDG, etc.Example: ICICI initiated a partnership model in 2002 in which the MFI acts as a collection agent instead of a financial intermediary. This model is unique in that it combines debt as mezzanine finance to the MFI. The loans are contracted directly between the bank and the borrower, so that the risk for the MFI is separated from the risk inherent in the portfolio. This model is therefore likely to have very high leveraging capacity, as the MFI has an assured source of funds for expanding and deepening credit. ICICI chose this model because it expands the retail operations of the bank by leveraging comparative advantages of MFIs, while avoiding costs associated with entering the market directly.