حلول واجبات الجامعة العربية المفتوحة ومشاريع التخرج AOU. TMA

حل, واجبات, الجامعة , العربية , المفتوحة
مدرس خاص 00966542495275 حل واجبات حل واجب
الرياض الدمام جدة المدينة المنورة حائل الأحساء عمان الكويت البحرين الأردن السعودية مصر لبنان
smsm.hamdy66@yahoo.com
 
الرئيسيةاليوميةس .و .جبحـثالأعضاءالمجموعاتالتسجيلدخول

شاطر | 
 

 BE322 – TMA - SUMMER 2014

اذهب الى الأسفل 
كاتب الموضوعرسالة
whatsapp::00966542495275
Admin


عدد المساهمات : 874
تاريخ التسجيل : 19/02/2012
الموقع : http://tmas.123.st/

مُساهمةموضوع: BE322 – TMA - SUMMER 2014   الخميس يوليو 31, 2014 9:55 pm

BE322 – Entrepreneurship and small business management
TMA - SUMMER 2014

Barclays is a major global financial services provider. It operates in over 50 countries, employs more than 156,000 people and has more than 48 million customers. In 2011, Barclays had an income of £23 billion, generating a profit before tax of just over £6 billion.
In the UK, Barclays has 741,000 business customers. Many of these customers run relatively small enterprises; most of them are new business start-ups.
Even during the downturn many people are choosing to start their own businesses. This case study looks at the challenges of setting up a new business and mainly outlines some of the services and support that are offered to business start-ups by a financial institution like Barclays.
Barclays, as a major bank, provides a wide range of services to support new businesses from initial idea to running the business. It helps entrepreneurs to plan and monitor to achieve their goals and avoid unnecessary risks. Barclays regularly runs free seminars around the country to help new and existing entrepreneurs with their businesses.
An obvious starting point is the business idea. Many people think that they might have spotted a business opportunity. Translating that thought into action is another matter. There are many ways of coming up with a bright idea. Many people are inspired by existing businesses.
Before setting up a new business, there are important questions to answer. This requires market research to systematically gather, record and analyze data about the market for the planned goods or services. This is an ongoing process as markets are always changing. However, some market research is essential before starting any new business.
This research will help a business to decide on the marketing strategy to be adopted. If the initial market research suggests the idea is a good one, then the entrepreneur must consider the practicalities of setting up the business.
Budgeting and business planning
Many businesses fail in their first year of trading. There are many reasons, but typical ones include:
• lack of understanding of the market a failure to carry out market research
• underestimating the strength of the competition
• failure to secure adequate finance
• inaccurate estimates in constructing budgets for example, revenue forecasts are too high and/or cost estimates too low.
A well-structured business plan, including budgets, can help a new business to avoid such problems.
A business plan provides a forecast of costs and revenues over the planning period. It sets out how sales will be achieved and how the business is to be financed. Banks expect to see a business plan before agreeing to any loan request. Barclays, like many other banks, provides tools to help owners draw up business plans. It is important for a new business to have clear budgets. A budget is based on the business objectives and identifies key factors, such as what money is needed, for what purpose and where it will come from.
Many new businesses offer credit terms to customers so they must wait to be paid. The result is that the business is often short of cash. Barclays, like other banks, can offer support in several areas. Barclays’ business managers can:
• advise owners on ways of managing the business if debtors are slow in paying up
• give guidance on effective ways of preventing late payments
• help a business create systems for its customers to pay online or to speed up their payment.
Financing a new business
Some new businesses need little start-up capital. Other types of business require significant finance for premises, equipment and stock before they can start trading. The owners of any new business are expected to provide some capital. However, there are other sources of business finance available to meet day-to-day expenses or to buy more expensive capital items. Barclays’ products and services provide their customers with different types of financing:
“Barclayloan for Business” is a program dedicated for businesses wishing to borrow between £1,000 and £1,000,000. The loan can be for up to 20 years and is repaid through regular repayments including interest. The advantage of this type of arrangement is that a business can borrow a larger sum of money.
“Barclaycard commercial” is a credit used for short-term loans of small sums to be paid during a period of 12 months.
Other financing options from Barclays, such as commercial mortgages, are used to help purchasing business premises. The premises will be used as security for the loan and if there is sufficient equity in the property (the difference between the mortgage value and what the property is worth) then the business can often top up the commercial mortgage to release cash for other business purposes.
For new business start-ups, Barclays offers free banking services (for at least twelve months) plus the support of a local business manager and other experts. Through its Local Business brand, it aims to provide support to help businesses prosper in their first trading months and years.

Conclusion
Starting up in business is an exciting challenge. However, it is necessary to have a good idea, a clear understanding of the market and financial knowledge and skills to support the business' development.
A detailed business plan will help a business avoid failure by:
• researching the market assessing the competition
• predicting revenue and costs accurately
• securing adequate finance.




QUESTIONS:
Answers provided should be based on the good comprehension of concepts learned from the course material (Chapter 6, 7 and Cool AND their proper application to the case study.

Question 1: (15 marks)
Financial support is very important for every business start-up. Explain the financial services provided by Barclays for its customers who want to start their own business, and those provided even after the business has been launched. (15 marks, 150 words)


Question 2: (20 marks)
A clear understanding of the market is made through market research. What’s the importance of market research for both the business owner and the financing institution? (20 marks, 200 words)
Question 3: (25 marks)
a- What are the different sources of debt financing provided by financial institutions to support small businesses? Give a proper definition for each type stating its advantages and disadvantages. (15 marks, 150 words)
b- Describe the main types of debt financing provided by Barclays for its customers. (10 marks, 100 words)
Question 4: (25 marks)
a- What type of debt security is mainly used for Barclays’ loans according to the case study? What other types of debt securities do you know? (10 marks, 150 words)
b- What do lenders look for when considering a loan to a small business? What’s the importance of a business plan at this stage? (15 marks, 150 words)
Question 5: (15 marks)
Name one financial institution in your country that provides special services for business startups and explain these services. (15 marks, 150 words)

_________________
لتحميل ملف حل الواجب الحل النموذجي للواجب.doc يجب عليك  التسجيـــل بالمنتدى لتتمكن من تحميل الملف


حل واجب - خدمات مجانية – حلول واجبات الجامعة الجامعة العربية المفتوحة- كل الجامعات - حل واجب - حل واجب TMA- حل واجب TMA01
لجميع تخصصات الجامعة ولجميع فروع الجامعة
حلول واجبات – مشاريع تخرج – ملخصات هامة
http://tmas.123.st
Mobile: 00966542495275  or
WhatsApp:00966542495275

smsm.hamdy66@yahoo.com
حلول مضمونة وغير مكررة وغير متشابهة لجميع واجبات الجامعة
متوفرمدرسين ومدرسات لجميع المواد والتخصصات
السعودية-الكويت-لبنان-مصر-البحرين-الأردن-عمان-الرياض-الدمام-جدة-حائل-الاحساء-المدينة المنورة
KSA-Kuwait-Bahrain-Oman-Jordon-Lebanon-Egypt
قسم خاص لواجبات التربية لجميع التخصصات ولجميع المستويات
http://tmas.123.st
الرجوع الى أعلى الصفحة اذهب الى الأسفل
معاينة صفحة البيانات الشخصي للعضو http://tmas.123.st
 
BE322 – TMA - SUMMER 2014
الرجوع الى أعلى الصفحة 
صفحة 1 من اصل 1
 مواضيع مماثلة
-
» Avira Premium Security Suite 9.0.0.387 + key 2014
» تسريب اقوى مراجعة ديناميكا بخط اليد بها كل اسئلة امتحان ديناميكا 3 ثانوى نظام حديث 2014

صلاحيات هذا المنتدى:لاتستطيع الرد على المواضيع في هذا المنتدى
حلول واجبات الجامعة العربية المفتوحة ومشاريع التخرج AOU. TMA :: حل واجبات 2015-
انتقل الى: