Country Profile Assignment Example | Topics and Well Written Essays - 750 words

Country Profile - Assignment Example In reference to the World Bank figures, the urban population in 1990 was 29 percent and 33 percent in 2013 (The World Bank). This shows that 71 percent of individuals were still living in rural areas in 1990 and 67 percent in 2013 hence the population has remained rural. In comparison, 75 percent of individuals in the United States was urbanized in 1990 and 81 percent in 2013, indicating an urbanized nation. In China, 26 percent of individuals lived in urban areas in 1990 and 53 percent in 2013 (The World Bank). This shows Chinas population has changed from a rural to a 50/50 population with approximately half of the population in rural areas and the other half in urban areas. In India, 26 percent lived in urban areas in 1990 and 32 percent in 2013, and 17 percent in 1990 and 25 percent in Kenya (The World Bank). Therefore, both India and Kenya have remained a rural population. South Africa, Zimbabwes immediate neighbor, had a 52 percent population living in urban areas and 64 percen t in 2013 (The World Bank). In this regard, South Africas population can be regarded as urbanized since more that 550 percent have lives in urban areas. B) Between 1990 and 2013, it is clear from the data set that Zimbabwes urban population growth rate was 2.5 percent indicating slow urbanization. In comparison, United States urban population growth was 0.9 percent between 1990 and 2013. This shows the population is not changing much at all. Conversely, Kenyas, Indias, and Chinas urban population growth rate between 1990 and 2013 was 4.4 percent, 2.4 percent, and 2.9 percent respectively. These figures are indicative of a slow urbanization rate in these three countries. South Africas urban population growth rate between 1990 and 2013 was 2.2 percent, an indication a slow pace of urbanization. C) According to 2013 statistics of Zimbabwe, the cities with the largest population were: Harare with a population of 1.5m, Bulawayo 0.7m, Chitungwiza 0.3m, and

Short and Medium-Term Loan in the UAE Policies and Procedures Research Paper

Short and Medium-Term Loan in the UAE Policies and Procedures - Research Paper Example The financial institute considered for the purpose of this report is HSBC Bank Middle East Ltd. This bank for the purpose of granting the loan to the company shall make a complete review of the financial position of the company. The financial analysis would include a cash flow analysis, analysis of the various ratios like profitability ratio, liquidity ratio and gearing ratio, an analysis by the long-term creditor and examination of the collateral securities that the company has to offer to the bank for the loan purpose. The cash flow analysis flashes a detailed view of the inflow and outflow of cash into and from the business respectively. Pertaining to the income statement the operating cash flow shows the increase and decrease in cash. The cash flow showing the investments depicts the increase and decrease in assets. The various kinds of ratios are studied thoroughly to bring out the actual position of the company. The ratios that are studied, contributes to knowing the various as sets and liabilities and their impact individually and as a whole on the business unit. The various ratios studied are profitability ratio, liquidity ratio, and leverage ratio. The analyses of these ratios provide a clear picture of not only the company’s assets and liabilities but also forecasts possible profits and losses of the enterprise. The various provisions provided by HSBC Bank Middle East Ltd. are studied and the various kinds of loan that this bank has for its customers are also keenly observed. According to the requirements of an individual or a business customer, loans may be chosen by the customer from the bank. The processes and procedures involved in obtaining the loan are closely observed and recommended accordingly. The business environment of UAE and the various provisions for the foreign investors are enumerated in details. The various aspects that UAE takes a heed of apart from facilitating business activities in the country are also keenly studied. The f acility of free zone is largely talked about including its advantages and also the various barriers that a foreign investor may face in UAE are discussed. The advantages of local rather Emirati–owned business unit over the foreign investors are also included in the discussion. Table of Contents Executive Summary 2 The Nature and Purpose of Loan Requested By the Customer 6 Bank’s Policy In Terms of Granting Loans 7 Types and Nature of Financial Information the Customers Are Required To Furnish To Support the Purpose of the Loan 10 Types of Analysis the Banks Usually Do 11 Types and Nature of Security the Bank Usually Ask For 14 Impact of the Most Recent Downturns of the Economy and Massive Business Failures of HSBC Bank Middle East 15 Bank’s Specialization on Handling Such Loans 16 Any Government Incentive And Or Support the Banks Receive In Handling Such Loans 17 UAE’s Business Environment Facilitating Emirati-Owned Businesses 17 Conclusion 19 References 21 Introduction The lending institutions are generally seen to offer loans for different periods based on the purpose of the loan, such as short–term, long–term, and medium–term. In the context of business, the short-term loans that are offered by the banks are usually to curb the needs of working capital of the business. These working capital needs of a company may range from raw materials purchase, electricity bills to be paid and payment of taxes among others.  Ã‚