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Topic Review
Flat Rate
Flat interest rate mortgages and loans calculate interest based on the amount of money a borrower receives at the beginning of a loan. However, if repayment is scheduled to occur at regular intervals throughout the term, the average amount to which the borrower has access is lower and so the effective or true rate of interest is higher. Only if the principal is available in full throughout the loan term does the flat rate equate to the true rate. This is the case in the example to the right, where the loan contract is for 400,000 Cambodian riels over 4 months. Interest is set at 16,000 riels (4%) a month while principal is due in a single payment at the end.
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Topic Review
Business Continuity
Business continuity is the planning and preparation of a company to make sure it overcomes serious incidents or disasters and resumes its normal operations within a reasonably short period. This concept includes the following key elements: Typical disasters that business continuity covers include fires, floods, accidents caused by key people, server crashes or virus infections, insolvency of key suppliers, negative media campaigns and market upheavals (ex. stock market crashes). The locations of these disasters and the company real estates may be independent.
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Topic Review
The Concept of Local Wisdom-Based Corporate Social Responsibility
Corporate social responsibility (CSR) refers to actions taken by companies through socially responsible behaviour toward society, with a focus on economic, social, and environmental concerns. Local wisdom is needed to make corporate social responsibility (CSR) activities benefit local communities.
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Topic Review
Material Passport
A material passport is a document consisting of all the materials that are included in a product or construction. It consist of a set of data describing defined characteristics of materials in products, which give them value for recovery, recycling and re-use. The core idea behind the concept is that a material passport will contribute to a more "circular economy", in which materials are being recovered, recycled and/or re-used in an open traded material market. The concept of the 'material passport’ is currently being developed by multiple parties in mainly European countries. A possible second-hand material market or material-bank could become a reality in the future. Similar concepts are being developed by several parties. Other names for the material passport are: circularity passport, cradle-to-cradle passport, product passport.
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Topic Review
Valuation
In finance, valuation is the process of determining the present value (PV) of an asset. In a business context, it is often the hypothetical price that a third party would pay for a given asset. Valuations can be done on assets (for example, investments in marketable securities such as companies' shares and related rights, business enterprises, or intangible assets such as patents, data and trademarks) or on liabilities (e.g., bonds issued by a company). Valuations are needed for many reasons such as investment analysis, capital budgeting, merger and acquisition transactions, financial reporting, taxable events to determine the proper tax liability.
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Topic Review
Consultant
A consultant (from Latin: consultare "to deliberate") is a professional who provides expert advice in a particular area such as business, education, law, regulatory compliance, human resources, marketing (and public relations), finance, health care, engineering, science, security (electronic or physical), or any of many other specialized fields. A consultant is usually an expert or an experienced professional in a specific field and has a wide knowledge of the subject matter. The role of consultant outside the medical sphere (where the term is used specifically for a grade of doctor) can fall under one of two general categories: internal consultant and external consultant. By hiring a consultant, clients have access to deeper levels of expertise than would be financially feasible for them to retain in-house on a long-term basis. Moreover, clients can control their expenditures on consulting services by only purchasing as much services from the outside consultant as desired. Consultants provide their advice to their clients in a variety of forms. Reports and presentations are often used. However, in some specialized fields, the consultant may develop customized software or other products for the client. Depending on the nature of the consulting services and the wishes of the client, the advice from the consultant may be made public, by placing the report or presentation online, or the advice may be kept confidential, and only given to the senior executives of the organization paying for the consulting services.
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Topic Review
North–South Divide (England)
In England, the term North–South divide refers to the cultural, economic, and social differences between: The status of the Midlands is often disputed, however counties in the higher midlands, such as West Midlands County (Walsall Metropolitan Borough and Wolverhampton are seen as north too due to their proximity to Staffordshire and Shropshire), Shropshire, Derbyshire, Nottinghamshire, Lincolnshire, Leicestershire, and Staffordshire, are culturally very Northern. A grouping of Central England based on UK EU parliamentary constituency boundaries combines the Midlands and East Anglia. In political terms, the South, and particularly the South-East (outside Greater London) and East Anglia, is largely centre-right, and supportive of the Conservative Party, while Northern England (particularly the towns and cities) is generally more supportive of the Labour Party. An article in The Economist (15–21 September 2012) argued that the gap between the north and south in life expectancy, political inclinations and economics trends was growing to the extent that they were almost separate countries.
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Topic Review
Columbia Business School
Columbia Business School (CBS) is the business school of Columbia University in the City of New York in Manhattan, New York City . Established in 1916, Columbia Business School is one of the oldest business schools in the world. It is one of six Ivy League business schools, and is among the most selective of top business schools.
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Biography
Junjuan DU
Junjuan DU received the Ph.D. degree in management science and engineering from Hefei University of Technology, Hefei, in 2020. She is currently a Professor with the College of Economics & Management, Hefei Normal University, Hefei, China. Her current research interests include crowdfunding, E-commerce, industy economy, venture capital, entrepreneurship and agricultural finance. She mainly undert
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Topic Review
GamersGate
GamersGate AB (formerly Gamer's Gate) is a Sweden-based online video game store offering electronic strategy guides and games for Windows, OS X, and Linux via direct download. It is a competitor to online video game services such as Steam, GOG.com, Direct2Drive, and Impulse. GamersGate sells games for over 250 publishers and developers, including Electronic Arts, Atari, Bethesda Softworks, 2K Games, Ubisoft, SEGA, Capcom, Paradox Interactive and Epic Games as well as smaller independent developers such as 2D Boy, Jonathan Blow and Amanita Design. (As of September 2014), there are over 6000 games available through GamersGate.
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