Identification of a reliable credit borrower. The core concern for the bank business sustainability, Case study of BPR Rubavu Branch, 2008-2012

      Аннотация: The history of the bank; various types of banks and banking; critical bank performance indicators; various types of loans; various types of collateral securities; types of loan interest rates; types of loan schedules; simplified method for loan interest computation either simple or compound; financial ratios; the borrower’s debt capacity and credit analysis ratios; working capital cycle; detailed components of cash flow; balance sheet; loan granting procedures and conditions; the banking and financial system in Rwanda; loan file analysis; a three dimensional philosophy around the lender and the borrower; decision making on a borrower’s request; how actually to identify a reliable borrower; causes of a negative/positive response to the borrower’s request; consequences of a negative/positive response to the borrower’s request.

Ключевые слова: Cash Flow, Working capital, Bank, Borrower, Collateral, financial ratios, Interest rate, Loan repayment, types of banks, bank performance indicators, loan; credit, loan interest, types of interest rate, loan schedule, debt capacity, credit analysis ratios