The concept of liquidity, types and how to calculate
The meaning of the word liquidity is not as confusing a term as it might…

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A selection of business ideas with minimal investment
However, the majority of Russians still hold the opinion that only the elite can open…

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Bank selection
Choosing a bank is one of the most responsible decisions. A lot can depend on…

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How to attract a sponsor
The process of obtaining sponsorship for your business, project or event can end in a…

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but are included

Money under the mattress does not work!

Like fuel for a car. If a canister of gasoline lies somewhere in the garage, and does not power the engine, then there is little sense from such fuel. Moreover, there is a risk of leakage, fire, etc. So is the money stored under the mattress: not only useless, but also detrimental to the economy. Let’s figure out why.

Financial inclusion – accessibility for everyone and everyone of basic financial services, such as a bank account, online payment, mobile wallets, deposits and loans, participation in investment funds and transfer of funds for management, money transfers, etc. Continue reading

Bank selection

Choosing a bank is one of the most responsible decisions. A lot can depend on the stability of a credit institution. Of course, it is quite difficult for an average Russian to deal with professional financial indicators, but one must at least assess how long a bank has been operating in the market, how successfully it has functioned all this time, how large it is, many banks have ratings from international or Russian rating agencies. Bank ratings in terms of assets, loan and deposit portfolios, network of branches, quality of service are available on a number of Internet resources. Continue reading

How to calculate debt service payments

Debt service is the periodic (usually annual) payment of accrued interest and part of the principal amount of the debt. When applying for a loan, companies are required to disclose debt servicing data. Based on the amount of debt service payments and the amount of net income, investors calculate the debt service ratio, which is the percentage of net income that goes to repay the loan.

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Calculating Debt Service Payments Continue reading

How to start a crayfish farming business
One common form of small business is selling beer. In Russia, they especially like a…

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How to evaluate workflow improvements
In order for a business to remain competitive, its work processes (both production and financial)…

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How to write a business plan for agriculture and animal husbandry
A business plan is essential to get you on the ground before you start a…

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