The number of small business loans outstanding under $100,000 increased 25 percent between June 2004 and June 2005, according to a report released today by the Office of Advocacy of the U.S. Small Business Administration. The increase came mostly from credit card use by small business. The report also noted that the number of small business loans outstanding between $100,000 and $1 million increased 5 percent during the same period.
The report, Small Business and Micro Business Lending in the United States, for Data Years 2004-2005, uses both Consolidated Reports of Condition and Income (Call Reports) from June 2005 and Community Reinvestment Act (CRA) reports for 2004 to review small business lending activities by financial institutions. This year's edition expands to include savings banks, and savings and loan institutions.
The report also ranks lenders in each state by their small business lending activities, as well as ranking large national financial institutions. The report includes data on American Territories as well as the states. Lenders are ranked on their overall small business lending, not by lending under SBA programs.
The Office of Advocacy, the "small business watchdog" of the federal government, examines the role and status of small business in the economy and independently represents the views of small business to federal agencies, Congress, and the President. It is the source for small business statistics presented in user-friendly formats, and it funds research into small business issues.
El célebre método de negociación creado en la fría Boston puede funcionar a la perfección para managers latinos de sangre caliente...
Cuando cuento que enseño un método de negociación en que las partes colaboran para lograr los objetivos de ambas, algunos me miran con demoledor escepticismo. A veces, me dicen que conocen la teoría pero que la realidad es otra cosa.
Los documentos que permiten acreditar la deuda y evitar el escaqueo del deudor.
La obligación de pago:
Según la legislación española, a partir del momento de la entrega de los productos o prestación del servicio, si no existe disconformidad expresa del cliente dentro del plazo legal o contractual, éste está obligado al pago en función a las condiciones pactadas con el proveedor o que determina la ley.
El mercado objetivo de la banca, cada vez se amplìa más hacia la masificación de los productos de banca personal y a la apertura de líneas dedicadas al mercado de las personas de bajos ingresos y los microempresarios, lo que ha conducido a las entidades financieras a reorientar sus procesos en cada segmento.
La morosidad del sistema bancario venezolano registró una caída de 0,35 puntos porcentuales en los últimos doce meses para colocarse en 1,05%, lo que la ubica entre las más bajas de América Latina.
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