Answer:
Hello some parts of your question is missing below is the complete question
Your firm has taken out a $500000 loan with 9% APR (compounded monthly) for some commercial property. As is common in commercial real estate, the loan is a five-year loan based on a 15-year amortization. This means that your loan payments will be calculated as if you will take 15 years to pay off the loan, but you actually must do so in five years. To do this, you will make 59 equal payments based on the 15 -year amortization schedule and then make a final 60th payment to pay the remaining balance.
answer : A) $5071.33
B ) $405410.94
Explanation:
A )calculate monthly payments
Loan amount = $500000
Rate = 9%
Monthly rate = ( 9% / 12 )= 0.75%
Time / period = (15years* 12 ) = 180 months
calculate the monthly payments =PMT (monthly rate ,period - rate) ( using excel )
= $5071.33
B) Calculate the final payment
PV for 59 payments + PV for 60th payment = loan amount
first we calculate the PV for 59 payments
monthly payments = $5071.33
period = 59 months
monthly rate = 0.75%
PV for 59 payments = PMT( monthly rate, period, - monthly payments ) (using excel )
= $241,064.16
Hence PV for The final payment = loan amount - PV for 59 payments
= 500000 - 241064.16 = $258,935.84
Finally Calculate the Final payment
PV = $258935.84
monthly rate = 0.75%
period = 60 months
Final payment ( future value ) =FV( monthly rate, period,, - PV ) ( using excel)
= $405410.94
determine the present value of 15000 is to be received at the end of eight years and the discount rate is 9%
Answer:
PV= $7,528
Explanation:
Giving the following information:
Future value= $15,000
Number of periods= 8 years
Interest rate= 9% compounded annually
To calculate the present value, we need to use the following formula:
PV= FV/(1+i)^n
PV= 15,000/(1.09^8)
PV= $7,528
At the Middle Earth Securities Exchange, stock prices of listed firms will either go up or go down each day. Each day:
A diesel-powered tractor with a cost of $250,020 and an estimated residual value of $6,200 is expected to have a useful operating life of 73,000 hours. During April, the tractor was operated 200 hours. Determine the depreciation for the month. If required, carry out any division to two decimal places. $fill in the blank 1
Answer: 365
Explanation:
To be eligible for the leadership training program offered by the office, a student must have at least 2 years of post-secondary education or have gone through the organization finance training.
In cell K2 enter a formula using the IF and OR functions and structured references as follows to determine if Kay Colbert can join the leadership training program:
a. The IF function should determine if the value in the student's Post-Secondary Years column is greater than or equal to 2 OR if the value in the student's finance certified status is "Yes", returning the text Yes if a student meets one or both of those criteria or the text No if a student meets neither of those criteria.
To be able to determine if Kay Colbert can join the leadership training program in response to question A, The formula to use for the problem is:
=IF(OR(D2>=2,G2>"Yes"), "Yes", "No")
What is an if and function?One of Excel's most useful features is the IF function. The finest aspect is that you may mix IF with other functions to boost its potency. One of the most beneficial formula combinations in Excel is IF and OR.
The IF AND excel formula allows the user to test several conditions utilizing AND functions by combining two different logical functions, which are frequently nested together. The IF function returns either "true" or "false" depending on the results of the AND function.
Note that by using the function above, one can be able to know if the value in the student's Post-Secondary Years column is greater than or equal to 2 OR if the value in the student's finance certified status is "Yes".
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Step 2: Writing Report
Explain the value of using data analysis.
Explain the risks of not using data visualization.
The report should explain the data that you have analyzed throughout the course.
Step 3: Lessons Learned
Identify some key points that you found about data analytics in this course and add a slide for lessons learned at the end of your presentation on what you learned this session.
The value that can be gotten from Data analytics is that it can aid companies to have broad knowledge of market segments, and can help to increase their market share as well as revenue growth.
The risks of not using data visualization is that the company may not be be able to to maintain the audience's interest with information.
What is the importance of Data analytics?For example, data analytics can help businesses find underdeveloped market areas, anticipate client wants, and improve their product offers. Businesses that use data analytics to acquire a competitive edge can grow their market share, accelerate revenue growth, and strengthen their brand.
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Leo is working on setting up a new network for his company. Every time he tries to connect the computers together, he finds another error. Leo is frustrated and walks outside to clear his head. What could Leo do next to show that he can display perseverance?
Question 8 options:
Leo should quit because he obviously cannot do the job.
Leo should take the rest of the day off to relieve some stress.
Leo should go back in and try again once he has gathered his thoughts.
Leo should tell another engineer to fix the problem.
Taking a break to clear his head and relieve some stress is a good idea, but it should not be the end of his efforts. After taking a break, Leo should go back in and try again, using the time away to gather his thoughts and approach the problem with renewed energy. Option 3
Leo's frustration with the constant errors in setting up the new network is understandable. However, displaying perseverance in this situation would require him to keep trying and not give up until the network is successfully established.
Giving up and quitting is not an option if Leo wants to display perseverance and prove his capability. It may also be helpful for Leo to seek assistance from his colleagues or superiors who may have more experience in setting up networks.
By continuing to work towards establishing the new network despite the setbacks, Leo can show that he has perseverance and is willing to put in the effort required to get the job done. It may take some time and patience, but eventually, Leo's persistence and dedication will pay off, and the network will be successfully set up, providing a significant benefit to his company.Leo should go back in and try again once he has gathered his thoughts.Option 3
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The writing voice or tone of writing may be any of the following:
(Select all that apply)
A. Grammatically Incorrect
B. Professional
C. Incomplete
D. Friendly
Answer:
- Professional
- Friendly
Explanation:
Both of those tone can be used depending on the intent of the writing.
If the purpose of the writing is to talk about serious business transaction, it would be best to use a professional tone in order to shows a high level of competence. This will increase people's trust in your capability.
If the purpose of the writing is to seek semi-casual relations (such as building a network with other people within the industry), it would be best to use a friendly tone in the writing in order to establish a social relationship.
Goals set for and by first-line managers are called _____ goals.
An example of the effect of globalization on US consumers is what
Answer:
Decreases the cost of manufacturing
Explanation:
Decreases the cost of manufacturing
Petty Cash Record and Journal Entries On May 1, a petty cash fund was established for $153.00. The following vouchers were issued during May: Date Voucher No. Purpose Amount May 1 1 postage due $ 3.10 3 2 office supplies 13.00 5 3 auto repair (miscellaneous) 46.00 7 4 drawing (Joy Adams) 24.00 11 5 donation (Red Cross) 9.00 15 6 travel expenses 23.00 22 7 postage stamps 2.90 26 8 phone call 7.00 30 9 donation (Boy Scouts) 22.00 Required: 1. Prepare the journal entry to establish the petty cash fund. If an amount box does not require an entry, leave it blank. 2. Record the vouchers in the petty cash record. Total each column to determine the balance before replenishing the petty cash fund. When required, enter amounts in dollars and cents. 3. Prepare the journal entry to replenish the petty cash fund. Then record the amount in the petty cash record in part 2. If an amount box does not require an entry, leave it blank.
Answer:
1. Dr Petty cash $153.00
Cr Cash $153.00
2..Dr Postage due $ 3.10
Dr Office supplies $13.00
Dr Auto repair (miscellaneous) $46.00
Dr Drawing (Joy Adams) $24.00
Dr Donation (Red Cross) $9.00
Dr Travel expenses $23.00
Dr Postage stamps $2.90
Dr Phone call $7.00
Dr Donation (Boy Scouts) $22.00
Cr Cash $150
3.Dr Petty cash $3.00
Cr Cash $3.00
Explanation:
1. Preparation of the journal entry to establish the petty cash fund.
Dr Petty cash $153.00
Cr Cash $153.00
(Being to establish the petty cash fund)
2. Preparation of the journal entry to Record the vouchers in the petty cash record. .
Dr Postage due $ 3.10
Dr Office supplies 13.00
Dr Auto repair (miscellaneous) 46.00
Dr Drawing (Joy Adams) 24.00
Dr Donation (Red Cross) 9.00
Dr Travel expenses 23.00
Dr Postage stamps 2.90
Dr Phone call 7.00
Dr Donation (Boy Scouts) 22.00
Cr Cash $150
($3.10+13.00+46.00+24.00+9.00+23.00+2.90+7.00+22.00)
(Being to Record the vouchers in the petty cash record)
3. Preparation of the journal entry to replenish the petty cash fund.
Dr Petty cash $3.00
Cr Cash $3.00
($153.00-$150.00)
(Being to replenish the petty cash fund)
The United States has a market economy, or free enterprise system.
True of False
Answer:
true
Explanation:
yes United states has market economies
Explanation: The free enterprise system is an economic system in which the government only exhibits partial dominance over market-correlated decisions; communism is an economic system in which the government exhibits full dominance over market-correlated decisions. The U.S.A. acts on the free enterprise system.
I did this assignment. God bless.
how is the aggregate supply curve for the economy related to the supply curves of individual producers?
Answer:
The aggregate supply curve depicts the quantity of real GDP that is supplied by the economy at different price levels. Increases in the price level will increase the price that producers can get for their products and thus induce more output. ...
Gigi transfers real estate with a basis of $60,000 and a fair market value of $40,000 to Monarch Corporation in exchange for shares of § 1244 stock.
Assume that the transfer qualifies under § 351.
a. What is the basis of the stock to Gigi? Gigi and Monarch do not make an election to reduce her stock basis.
b. What is the basis of the stock to Gigi for purposes of applying § 1244?
c. If Gigi sells the stock for $38,000 two years later, how will she treat the loss for tax purposes?
Gigi's tax basis in the shares received in the transaction is $60,000.
Which of the following best describes how selling Section 1244 shares has tax benefits?Gains from the sale of shares are exempt from taxes under Section 1244 for individual shareholders. Stock in the transferee corporation must be the only exchange of the items qualifying for Section 351 exchange treatment.
For the purposes of Section 351, stock is defined as either common or preferred stock; however, stock rights, securities, and nonqualified preferred stock (NQPS) of the transferring corporation are not regarded as stock.
Hence
(b)The basis of the stock to Gigi for purposes of applying § 1244 is $25000.
(c) If Gigi sells the stock for $38,000 two years later, she treat the loss for tax purposes ordinary loss upto $50,000 therefore loss of $ 22,000 will be deductable .
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SWOT analysis is not a subjective process.
True
False
SWOT analysis is not a subjective process. The statement stated above is False.
What do you mean by Analysis?An analysis is significant because it arranges and interprets data before structuring it into presentable knowledge that is applicable to practical applications.
A subjective evaluation of facts that is logically arranged according to the SWOT structure to aid in understanding, presentation, discussion, and decision-making is known as a SWOT analysis.
Internal elements, such as strengths and weaknesses, rely on the goal, project, or initiative under analysis. What is a strength for one purpose or project could be a drawback for another since it is subjective to the chosen objective.
Therefore, The statement is false. A SWOT analysis is a subjective assessment of data.
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Since you are selling friendship bracelets online, the Internet service provider (ISP) is your agent.
True
False
Answer:
false
Explanation:
the internet service provider is a service for internet not an agency
Answer:
true on edgin
Explanation:
Controlling is required in ____________ level of management.
a. higher
b. middle
c. lower
d. all
What are Uber's options in handling California AB5, an attempt to reclassify Uber's drivers as employees? What potential impact would each decision have?
The potential impacts of each decision with regard employee classification include financial costs, legal battles, public perception, and potentially losing market share to competitors who are able to navigate the regulatory landscape more effectively.
What is the explanation for the above response?
Uber's options in handling California AB5 are as follows:
Comply with AB5 and reclassify drivers as employees, which would result in significant increases in labor costs and potential loss of driver flexibility.
Contest AB5 and argue that their drivers are independent contractors, which could lead to legal battles and potentially a negative public image.
Seek a compromise with California lawmakers, such as creating a new worker classification that falls between employee and independent contractor, which could help maintain some flexibility for drivers while also providing certain benefits.
The potential impacts of each decision include financial costs, legal battles, public perception, and potentially losing market share to competitors who are able to navigate the regulatory landscape more effectively.
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Macroeconomics is best defined as the study of
how people make decisions about operating businesses.
the overall operation of the national and global economy.
how the government makes decisions about regulating businesses.
how scarce resources are used by households and businesses.
the study of the interaction of supply and demand.
2.
Mike asked Rachael to go to the beach with him. Rachael knew she should stay home and study for her Macroeconomics exam but felt she could spend some time doing both. In the past, she had always studied about five hours for her exams but today she studied for only two hours. Her normal grade of an A fell to a B. What was the opportunity cost of going to the beach?
The B she received on the exam.
The 2 hours she studied.
The 3 hours she spent at the beach.
The 3 hours she could have spent studying.
The 5 hours she spent at the beach.
3.
When two variables have an inverse relationship, then
if A increases, B increases.
if B increases, A is unchanged.
if A increases, B is unchanged.
the slope of the graph is positive.
the slope of the graph is negative.
4.
When two variables have a direct relationship, then
if A decreases, B increases.
if B decreases, A is unchanged.
if A increases, B is decreases.
the slope of the graph is positive.
the slope of the graph is negative.
5.
The production possibilities curve
graphically illustrates the concept of absolute advantage.
graphically illustrates the concept of scarcity.
allows us to see the concept of absolute advantage.
shows the opportunity cost between all goods and services in an economy.
shows the relationship between absolute and comparative advantage.
6.
A production possibilities curve that is concave or bowed out from the origin represents
increasing opportunity cost.
decreasing opportunity cost.
constant opportunity cost.
zero opportunity cost.
static opportunity cost.
Answer:
1. the overall operation of the national and global economy.
2. The B she received on the exam.
3. the slope of the graph is negative.
4. the slope of the graph is positive.
5. graphically illustrates the concept of scarcity.
6. increasing opportunity cost.
Explanation:
1. Macroeconomics is best defined as the study of the overall operation of the national and global economy.
Macroeconomics can be defined as the study of behaviors, performance and factors that affect the entire economy. Hence, it focuses on aggregate phenomena such as price level, economic growth, Gross Domestic Product (GDP), inflation, unemployment and national income levels with respect to the central bank, demand or supply shocks, government policies, aggregate spending and savings.
2. The opportunity cost of going to the beach is the "B" grade she received on the exam.
In Economics, opportunity cost also known as the alternative forgone, can be defined as the value, profit or benefits given up by an individual or organization in order to choose or acquire something deemed significant at the time.
Thus, the value of the opportunities lost (scoring an "A" grade) by going to the beach is the opportunity cost of her choice.
3. When two variables have an inverse relationship, then the slope of the graph is negative.
An inverse relationship can be defined as a relationship between two variables, in which an increase in the value of one variable leads to a decrease in the value of the other variable i.e as the value of one variable becomes large, the value of the other variable becomes small.
4. When two variables have a direct relationship, then the slope of the graph is positive.
A positive relationship or correlation can be defined as the relationship between two variables in which there exist a direct relationship between them i.e as one variable increases, the other increases and vice-versa.
5. The production possibilities curve graphically illustrates the concept of scarcity.
The production possibilities curve (PPC) is also known as the production possibilities frontier (PPF) and its a curve which illustrates the maximum (best) combinations of two products that can be produce in an economy if they both depend on these factors;
1. Technology is fixed.
2. Resources are fixed.
6. A production possibilities curve that is concave or bowed out from the origin represents increasing opportunity cost.
The production possibilities curve (PPC) is depicted graphically as an arc, by representing one good on the y-axis and the other on the x-axis.
Hernando lives in a county where everyone pays the same amount of taxes no matter their income. Which type of tax system is Her
MOST likely using?
Answer: Proportional Tax System
Explanation:
Hernando's country is using proportional tax system or Flat tax system.
What is proportional tax system?Everyone pays the same tax rate under proportional taxes, regardless of income. Since everyone pays the same rate, regardless of their income, sales taxes are considered proportional regressive taxes.
No matter their wealth or income, everyone pays the same amount of tax under a proportionate or flat tax system. This approach aims to achieve parity between the average tax rate paid and the marginal tax rate.
Because there is no tax penalty for earning more money, proponents of proportional taxation contend that they promote the economy by motivating people to work harder. Additionally, they think that firms would be more willing to invest and spend money under a flat tax structure, boosting the economy.
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What generally occurs in an economy as specialization increases?
A. The division of labor increases.
B. Production decreases.
C. The division of labor decreases.
D. Production increases.
SUBMD
In an economy as specialization increases the production also increases. Thus the option (B) is correct.
What is specialization?Specialization refers to the process of becoming expert in certain field For example: CS engineer is expert in coding and is the computer developer.
When the economy is in the verge of increased specialization leads to the growth in the standard of living. The standard of living increases then people tends to spend more which eventually increases the level of production.
Thus the option (B) is correct.
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WBS for the knowledge area of Human/Resource Management for a low-cost housing project
Here's an example of a WBS for the knowledge area of Human/Resource Management for a low-cost housing project:
The wbs for a knowledge area of Human/Resource Management for a low-cost housing projectHuman/Resource Management
1.1 Staffing Plan
1.1.1 Define project roles and responsibilities
1.1.2 Identify required staffing resources
1.1.3 Determine the project team structure
1.1.4 Develop a staffing plan and budget
1.2 Recruitment and Selection
1.2.1 Create job descriptions and specifications
1.2.2 Advertise and promote job openings
1.2.3 Review resumes and conduct initial screenings
1.2.4 Conduct interviews and select candidates
1.2.5 Perform background checks and reference checks
1.2.6 Extend job offers and negotiate terms
1.3 Training and Development
1.3.1 Assess training needs for project team members
1.3.2 Develop a training plan and schedule
1.3.3 Conduct training sessions and workshops
1.3.4 Provide on-the-job training and mentoring
1.3.5 Evaluate training effectiveness and adjust as needed
1.4 Performance Management
1.4.1 Set performance expectations and goals
1.4.2 Monitor and assess individual and team performance
1.4.3 Provide feedback and coaching to improve performance
1.4.4 Conduct performance appraisals and evaluations
1.4.5 Identify and address performance issues or conflicts
1.5 Resource Allocation
1.5.1 Identify project resource requirements
1.5.2 Allocate resources based on project needs
1.5.3 Monitor resource utilization and availability
1.5.4 Optimize resource allocation to meet project objectives
1.6 Stakeholder Management
1.6.1 Identify project stakeholders and their interests
1.6.2 Develop a stakeholder engagement plan
1.6.3 Communicate and manage stakeholder expectations
1.6.4 Address stakeholder concerns and resolve conflicts
1.6.5 Maintain positive relationships with stakeholders
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Briefly explain how the demand curve for workers is determined.
Answer:
When the marginal revenue product of labor is graphed, it represents the firm's labor demand curve. The demand curve is downward sloping due to the law of diminishing returns; as more workers are hired, the marginal product of labor begins declining, causing the marginal revenue product of labor to fall as well.
Explanation:
what are multiple ways a company can hold a competitive advantage over another company like apple or samsung.
Answer: here you go
Explanation:
There are multiple ways a company can hold a competitive advantage over other companies like Apple or Samsung. Here are some common strategies:
Product Differentiation: Offering unique features, designs, or functionalities in products or services that differentiate the company from competitors. This can include innovative technology, superior quality, or exclusive features.
Branding and Reputation: Building a strong brand identity and reputation in the market. A positive brand image can attract customers and create a sense of trust and loyalty.
Cost Leadership: Implementing efficient processes, economies of scale, and cost-effective operations to offer products or services at a lower price than competitors. This strategy aims to attract price-conscious customers.
Customer Service and Support: Providing exceptional customer service, timely support, and personalized experiences to enhance customer satisfaction. Building strong customer relationships can result in customer loyalty and repeat business.
Innovation and Research & Development: Investing in continuous research and development efforts to bring new and improved products or services to the market. Staying ahead of the competition through innovation can create a significant competitive advantage.
Supply Chain Management: Developing efficient supply chain networks to ensure timely delivery, cost-effective sourcing, and quality control. Streamlining the supply chain can result in cost savings and faster response times.
Marketing and Advertising: Implementing effective marketing and advertising strategies to create brand awareness, reach target audiences, and influence customer purchasing decisions.
Intellectual Property and Patents: Owning valuable intellectual property rights, such as patents, copyrights, or trademarks, that provide legal protection and prevent competitors from copying or replicating products or technologies.
Strategic Alliances and Partnerships: Collaborating with other companies, suppliers, or distributors to leverage complementary strengths, expand market reach, or gain access to new technologies or resources.
Talent and Human Resources: Attracting and retaining top talent, fostering a culture of innovation and excellence, and providing opportunities for employee growth and development. Skilled and motivated employees can contribute to a competitive advantage.
It's important to note that competitive advantages may vary depending on the industry, market dynamics, and specific business strategies. Companies often employ a combination of these strategies to differentiate themselves and gain an edge over their competitors.
Answer:
Explanation:
some information on how a company can hold a competitive advantage over another company like Apple or Samsung.
Innovation: Companies that are innovative and constantly come up with new products and services have a competitive advantage over their competitors. Apple, for example, is known for its innovative products like the iPhone and iPad.
Branding: A strong brand image can give a company a competitive advantage. Apple and Samsung are both well-known brands that have a loyal customer base.
Cost leadership: Companies that can produce goods at a lower cost than their competitors can offer lower prices to customers, giving them a competitive advantage. This is a strategy that companies like Walmart and Amazon use.
Customer service: Companies that provide excellent customer service can differentiate themselves from their competitors. This is an area where companies like Zappos and Nordstrom excel.
Distribution channels: Companies that have efficient distribution channels can get their products to customers faster and more efficiently than their competitors. Amazon, for example, has a vast distribution network that allows it to offer fast and reliable shipping to customers.
Overall, there are many ways a company can hold a competitive advantage over another company. It often comes down to finding a unique value proposition that sets them apart from their competitors.
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You call a coworker to see if they can come help you solve a problem
On the store shelf at Walmart, there are two types of mustard. French's, which is a ________ brand, and Walmart's Great Value, which is a ________ brand.
Answer:
private label, manufacturer
Explanation:
The blanks can be filled as, "On the store shelf at Walmart, there are two types of mustard. French's, which is a private label brand, and Walmart's Great Value, which is a manufacturer brand.
What is a brand?A brand can be defined as a name, term, design, or any other feature that makes a product or service different in the market.
A private brand refer to the product or service brand that manufactures especially refers for a retailer. They are often sold in the supermarket. Hence French is a private brand.
The manufacturer brand refers to the brand that is introduced by the producer himself and is sold in the market under the name of the producer. Hence Walmart's Great Value is a manufacturer brand.
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Which situation is an example of indirect taxation?
OA. Stores charge sales tax on each purchase and give that money to
the government.
OB. Homeowners must pay a percentage of their home's worth to the
government.
OC. Businesses must send a portion of their income each year to the
government.
OD. Every citizen sends the government money to support the armed
forces.
SUBMIT
Option A is the correct answer. Indirect taxation is the situation where taxes are imposed on products or services and not directly on individuals. Therefore, the example of indirect taxation in the situation given is when stores charge sales tax on each purchase and give that money to the government.
Stores charge sales tax on each purchase and give that money to the government is an example of indirect taxation.Indirect taxation is a method of taxation in which individuals are not taxed directly, but instead, the tax is paid through an intermediary.
The tax is generally imposed on products or services. This tax, which is passed on to the customer as part of the price of the good or service, is then collected by the seller and forwarded to the government.
Sales tax, excise tax, and customs duty are all examples of indirect taxes.
Therefore, Option A is the correct answer.
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Jennings Co. has total assets of $433.0 million. Its total liabilities are $114.5 million. Its equity is $318 million. Calculate the debt ratio. (Round your answer to 1 decimal place.)
Answer: 26.4%
Explanation:
The debt ratio is used to show how much of the company's assets is funded by debt.
It is calculated by the formula:
= Total liabilities / Total assets
= 114.5 / 433.0
= 0.2644
= 26.4%
Financial aid letters show your aid and costs of attendance for _____.
Financial aid letters show your aid and costs of attendance for an academic year.
What is a financial aid letter?This is a letter that a tertiary institution gives to a student to show the cost of their attendance at the college they are currently enrolled in.
The period covered in the letter is the academic year which means that the costs associated with two semesters of attending the university will be shown to the student.
These costs will include things like tuition fees, room and board fees, transportation and other miscellaneous costs.
The letter will also include all the financial aids that the student may receive including federal grants, college grants, state grants, and federal loan options that a person may be eligible for.
In conclusion, financial aid letters show the costs of attendance in an academic year and the aid that comes with it.
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A hyperlink:
A. can tell you if the battery on your laptop is running low.
B. can run the grammar check function.
C. can take the user to an external Internet site.
D. can spell check your slide presentation.
Answer: C
Explanation:
Of the two scenarios, what do you believe is best; please explain why? 1) Submitting an underwriting model that is 80% complete but on-time 2) Submitting an underwriting model that is 100% complete but past the deadline. *
The best scenario would be to present a subscription model that is 80% complete but on time.
What is a underwriting model?This model is an economic tool used by banks and financial institutions to assess the level of vulnerability in terms of non-payment to avoid or reduce the possibilities of credit risk.
According to the above, the best scenario is 80% on time because it will give an indicator of more than half to know the vulnerability of the financial risk since the other option already exceeds the established time and would not be of any use.
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