Sunday, March 29, 2009

Global Financial Crisis 2008: a qualitative study of chief causes, thrust areas needing more control & regulation on factors influencing world Economy

Introduction: The world economic system is like a human body. A human body functions entirely normal as long as its all constituent organs and nerve system act in a perfect harmony and in tune with each other, but the moment failure being realized at any organ or nerve system in any part of the body, the human body immediately stops functioning normal. The cumulative effect of such strained functioning of human body is usually being observed proportionate to the quantum of damage occurred in that organ, as well as, in the other organ or system, and then to cure it invites the Doctor’s attention. Similar is the case with the world economy. In the event of considerable imbalances or failure in the economy are observed, state regulator responds resorting corrective steps based on their expert committee of economic advisors’ opinion, to bring economic activities back in to the normal track. In this comparative view, the fundamental difference is that; in the event of failure of one organ of the human body it affects only one individual, while the similar failure of any organ (i.e. arm) of world economic system it affects economically the world population of over 6.5 billions directly or indirectly around the globe.

This analogy puts enough reasons for the great need of identifying and investigating major actors of world economy and exploring the chief causes that strains the most significant world economic system. This paper presents an effort to reach to the root causes so that the possible effective measures can be made available as one of the guidelines to follow, in conjunction with the guidelines already presented by many other eminent researchers who have significantly contributed in the said area of study. The extractions of relevant information from among these guidelines may be of a great help to implement depending on the nature of crisis the current economy faces. The strategic use of underlying tools and techniques suggested in the guidelines could be the readymade solution to combat with recessionary trend of economy for the state regulators of different constituent countries forming the world economic system.

Research Proposal samples in Finance field

Of late I was engaged in preparing some titles for my research proposal. On the basis of my intitution I have created some titles which are as under.

1. “Tax avoidance by Indian Corporations : Its Impact on Indian Economy”

2. “Relevance of Financial Reporting by Indian Corporations in context of Globalization of Businesses: Review of some Cases based on empirical evidences and reported published data”

3. “A Study on sufficiency, efficiency and relevance of present accounting practices being followed by Indian Corporations in context of Globalization of businesses”

4. “ Audit Quality and Financial Reporting by Indian Corporations in context of Globalization of Businesses”

Sunday, January 27, 2008

Is Debt Consolidation Loan via Single Credit Card Help Improve Bad Credit Quickly?

See How Debt Consolidation Loan by Single Credit-Card Writes off Bad Credit & Sets you Stress-free and Saves your Time and Money- The Real Benefits & True Purposes.

by: Sanjay Singh

"We all know the fast pace expansion and rapid growth coupled with ever increasing spread of businesses multi-nationally have tremendously given rise to the economic boom".

The booming economy has hit and positively influenced to almost every sector including the financial sector. The trend has encouraged the favorable environment for not only the people’s convenience and comforts but also for the businesses as a whole, and offered to people the freedom of easy access of various types of loans, be it a credit card loan, car loan, home loan, debt consolidation loan or other personal loans.

This way it has enhanced the people’s purchasing power. People have got the easy way to procure all possible material comforts and conveniences even with no actual money in hand. The route to access them all is credit facility, overdraft facility, Credit card And yes again Credit card. It has generally been seen that the easy access to loans often put people increasingly into debt traps. The Multiple debts in the form of credit card, home loan, car loan or other personal loans necessarily add stress to mind and whether we realize or not, it certainly affects our overall productivity and our energy level as well.


To get rid of the problem, debt consolidation is the right remedy wherein you can consolidate all your current multiple debts by paying them off immediately from the money you receive as single debt consolidation loan of a bigger amount. This way you will have a single loan account which will naturally help you to manage your finances more effectively now.

(A) The Real Benefits And The True Purpose of Debt Consolidation Loan:

(1) You will be able to take a bigger amount of loan normally at low interest rate for debt consolidation.

(2) You will be free from the headache of being charged different and high interest rates from your current multiple loan accounts i.e. multiple debts in the form of credit card loan, car loan, home loan or other personal loans.

(3) You will be in no need to worry to maintain the cumbersome records of multiple debt accounts, and to remember all about the repayment schedules and the amount of EMIs to be repaid individually which, otherwise becomes a necessity to keep your credit scores or credit rating healthy in the eyes of your lenders and also for the reason to avoid from being branded as a defaulter in case of missing the last dates of repayment of EMIs.

(4) You will be able to improve your credit scores over the period of time by automatically writing off of the bad remarks by the lender if any in on your credit history.

(5) You will be able to save a good amount of time and money for you only.

(6) And the above all, you will feel yourself stress free and even more energetic than before. You will be able to concentrate more on current task in hand resulting in to improved productivity and better results which you might never ever thought of.

(B) Why Single Credit Card Loan is the Right Solution for Debt Consolidation To Avoid Bad Credit:


The Single credit card loan is considered to be a more convenient way to pay off your previous debts. The first reason is that there is ample credit card offers available online today and has intense competition among credit card lenders. The consumers like us can take full advantage of this situation. We will have more options to effectively negotiate the credit card loan at the lowest possible interest rate. You will have option to set the auto deduct in your credit card account for the repayment of your now single EMI. The choosing of single credit card loan for debt consolidation also makes you able to read and grasp all the information even the finer points about the credit card offers online which is just a few mouse clicks away.

(C) Hard Facts and Suggested Advice on Debt Consolidation v/s Credit cards:

The Debt consolidation in one hand if offers a peace of mind by making free you from your multiple debts headache, it attaches, on the other hand, the further obligation on you to repay the new loan even for more longer period of time. So be aware of it. Read the loan offers more carefully especially the fine prints, do your financial analysis, ensure that you will save a good amount of money if loan offer is accepted. Before signing the loan agreement paper, you need to clear all or any doubts frankly with the lender and don’t forget to collect one set hard copy of your signed agreement papers for future reference.

For More Information and resources on Bad Credit debt consolidation loan you may visit here.

Right Financing to working capital loans Requirement Genuinely Adds Wing to your Business Growth™

How to Wisely Manage & Get Cheap Loans including Business Working Capitals
by: Sanjay Singh
"If working capital is the lifeblood of any business organization then its proper management acts as the required blood pressure for the efficient and successful functioning of the organization."
The entrepreneurs are scattered around the world so are their businesses. Be it a small, medium, or a big. These entrepreneurs are the real drivers of the world economy. We emphasize the significance of the working capital and offers tips as to how effectively it can be managed for Business Growth and advocate the concept that the right financing of Working Capital Loans is Key to Business Success. If you truly adhere to free advice offered here and made himself capable to effectively manage the significant components of working capital i.e. Accounts receivables management, cash management, payable management and inventory management.
Then you will seldom need to hire a costly financial consultant to solve the juggernaut of your business’s financial implications. And you could save a good amount of money on this count. As you are aware all these components of working capital have the perfect bearing to improve profitability and liquidity position of your business. Since nobody knows the business’s ups and downs and you may need working capital financing at one point or the other in the operation of your business. Then this website has all the genuine resources for this purpose you may avail the benefits right away!!

(A) Laser-Sharp Strategies to Keep in Full Control Your Working Capital Finances:
(1) To analyze on weekly basis the different components of working capital such as accounts receivable, cash position, accounts payables and inventory to assess as to how your business operations are being managed.
(2) Constantly looking to identify the key factors of working capital which need extra attention in managing day-to-day operations of your business.
(3) To assess upfront the minimum level of investment needed in current assets in your business’s working capital for the smooth operations.
(4) To keep close monitoring over the dynamics of fund flow and its capital deployment.
(5) To keep clear understanding about the interrelationships and interdependence of various components of working capital and their influence on liquidity position of your business.
(B) Flexible working capital loan genuinely adds wing to your Business Growth:
For the small and medium businesses financing needs for their working capital loans, there is numerous sophisticated & convenient financial solutions available with the various leading financial institutions. Business owners are not only able to get their working capital loan sanctioned quickly but also, be able to get the valuable advice & free reliable tips from these institutions free of cost about an effective management of their working capital requirements. Some of the options among others, to fill the gap of working capital loan need, are the overdraft facility, line of credit, credit card, bridge financing and factoring.
Entrepreneurs may use any of the options, depending upon their suitability and circumstances. Financing of Working Capital Loan was the common yet most critical problem for the start-up businesses just few years back, especially in the developing countries. These buddy entrepreneurs, when in working capital crisis, were knocking the doors of all possible financial institutions and bankers to get their working capital loan sanctioned. But due to the financial institutions strictly laid-down policy for mandatory checks on credit worthiness of these borrowers, were leaving the most of entrepreneurs in lurch. And these struggling entrepreneurs were finding it difficult to sustain their businesses for want of working capital for their business needs.
But thanks to the liberalization, the private financial institutions and banker’s entry to the market, really put the wheel, opened up an easy window to young entrepreneurs, especially the start-up business owners, to get theirs working capital loans as quick as possible. It’s no wonder now if many of the entrepreneurs are able to get sanctioned online their working capital loan. This change has genuinely added to the momentum in the businesses world-over and at the same time, offered many new vistas of opportunity to young entrepreneurs as these people are now rest assured that whenever they need working capital loan they will get it hassle free.
Small businesses are often run by the young entrepreneurs. Managing working capital needs for their businesses were really posing a great challenge to them. They were usually facing the problem in procuring the working capital loan for their business needs. To solve this problem, now almost every countries have framed the loan policies in such a way that help provide not only a preferential treatment to these young businesses but also offer a conductive and favorable business environment, in terms of get them access to an easy business loan and personal loan as well. With this change in situation, now any entrepreneurs may get their working capital loans reliably and quickly from the variety of resources here.
For more information and extended genuine resources please visit here.

Monday, May 7, 2007

Entrepreneurs and their businesses around the Globe.

The entrepreneurs are scattered around the world so are their businesses. Be it small, medium or big. These business men/entrepreneurs are the real drivers of the world economy. Interesting fact is that, of the total business units worldwide, the 85% business units’ fall in the category of small and medium businesses while the rest, mere 15% units are in the big business segment. And If we see this scenario in terms of their capital deployment/capital investment, we may find the equation quite different. The big business houses have roughly invested a huge, more than 5 times capital than their counterpart, the small & medium businesses in total.

Despite this situation, the contribution by the small and medium businesses to the world economy and to the society at large can not be underestimated.

Thank you,

Sanjay singh,


Saturday, February 17, 2007

working capital loan needs to small enterprenuers.

The entrepreneurs are scattered around the world so are their businesses. Be it small, medium or big. These business men/entrepreneurs are the real drivers of the world economy. Interesting fact, in recent findings that the 85% business units worldwide of the total are small and medium businesses, constitute a lion’s share and are biggest in numbers. And rest, mere 15%, is the big business houses. And If we see this scenario in terms of their capital deployment/capital investment, we may find the equation just opposite. The big business houses have deployed a huge, more than 5 times capital than their counterpart, the small & medium businesses in total.

Obviously, the contribution by the small and medium businesses to the world economy and to the society at large can not be underestimated. In all this, small businesses are often run by the young entrepreneurs. Managing working capital needs for their businesses really pose a great challenge for them. They usually face the problem in procuring the working capital loan for their business needs.