Loan Assessment – Regiofora http://regiofora.com/ Thu, 21 Oct 2021 03:03:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://regiofora.com/wp-content/uploads/2021/07/icon-5-150x150.png Loan Assessment – Regiofora http://regiofora.com/ 32 32 Consumer Reports: Reverse Mortgages May Be ‘Safe’ Way to Tap Home Equity, With Cautions https://regiofora.com/consumer-reports-reverse-mortgages-may-be-safe-way-to-tap-home-equity-with-cautions/ https://regiofora.com/consumer-reports-reverse-mortgages-may-be-safe-way-to-tap-home-equity-with-cautions/#respond Wed, 20 Oct 2021 20:32:18 +0000 https://regiofora.com/consumer-reports-reverse-mortgages-may-be-safe-way-to-tap-home-equity-with-cautions/ Finding additional sources of liquidity without relying on one’s own assets that can be sold or operated will often involve the use of products or instruments of financial services institutions, which could add risk to some people. However, safe exploitation of home equity is certainly possible, and a reverse mortgage could be one of those […]]]>

Finding additional sources of liquidity without relying on one’s own assets that can be sold or operated will often involve the use of products or instruments of financial services institutions, which could add risk to some people. However, safe exploitation of home equity is certainly possible, and a reverse mortgage could be one of those safe options for borrowers.

That’s according to a column newly published in Consumer Reports. While reverse mortgages are included among other more commonly used home equity operating income, a reverse mortgage is at least worth considering based on the borrower’s financial goals. potential, says the chronicle.

According to Greg McBride, chief financial analyst at online financial site Bankrate.com, it can be a particularly useful tool for those who need cash and are able / willing to borrow for cash. ‘a house.

“A reverse mortgage would eliminate the monthly mortgage payment, significantly reduce household expenses, and could allow borrowers to leverage their accumulated equity through a lump sum, regular payments or a line of credit,” McBride told Consumer Reports .

One element, McBride says, that makes a reverse mortgage particularly useful is the ability for borrowers to use the loan proceeds to delay Social Security enrollment until later in life, when these benefits can be maximized. .

“It can also be used as a tool to avoid having to use retirement accounts, either in downturn years or to allow more time for tax-efficient growth. [like a Roth IRA,]” he added.

However, Consumer Reports also writes that reverse mortgages can be “complicated, risky and controversial,” relating to another article in the publication written in 2016 detailing some of the reforms made to the reverse mortgage program at that time.

“A big concern is that when the loan holder dies, the ownership of the house is transferred to the bank,” writes Consumer Reports, which incorrectly attributes reverse mortgage lenders. “If the surviving spouse is not also on the loan, they often risk eviction unless they can afford to buy the house from the lender. Plus, these compound interest loans can be expensive. And seniors who cannot afford taxes, insurance, and home maintenance while living in the property risk defaulting on their loan and losing their home.

The article also describes the reforms introduced in the Home Equity Conversion Mortgage (HECM) program in 2017, regarding financial assessment and the ability of borrowers to maintain their loan obligations.

“But Consumer Reports believes more reforms are needed to better protect borrowers,” the section concludes, without describing the reforms the organization believes would be most helpful.

Read the article on Consumer Reports.


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Pontypool Credit Union Volunteer Wins National Award https://regiofora.com/pontypool-credit-union-volunteer-wins-national-award/ https://regiofora.com/pontypool-credit-union-volunteer-wins-national-award/#respond Mon, 18 Oct 2021 17:00:00 +0000 https://regiofora.com/pontypool-credit-union-volunteer-wins-national-award/ Volunteer Charlotte Rickwood received a national award from the Credit Union of Wales for dedicating her time to promoting the ethical savings and lending movement throughout the Covid-19 lockdown. Charlotte, from Panteg, is considered to be part of the ‘vital life’ of the Gateway Credit Union, based in Torfaen and Monmouthshire. Charlotte said, “Credit unions […]]]>

Volunteer Charlotte Rickwood received a national award from the Credit Union of Wales for dedicating her time to promoting the ethical savings and lending movement throughout the Covid-19 lockdown.

Charlotte, from Panteg, is considered to be part of the ‘vital life’ of the Gateway Credit Union, based in Torfaen and Monmouthshire.

Charlotte said, “Credit unions saved my life because I was on the verge of depression due to money issues. They saved me at first and have since become a family.

“Gateway Credit Union does a lot of positive things in the community by helping people manage their finances, helping them keep their heads above water, and providing services to people who would otherwise be excluded and forced to turn. to loan sharks. ”

Before the pandemic, Charlotte combined the role of secretary to the board of directors with being a member of the credit committee, a regular loan assessor and a ‘flying squad’ whenever someone was needed to cover a point. collection.

With the Covid-19 lockdown, many volunteers were protecting themselves, offices were closed to the public, and staff were working remotely.

Despite a busy family life and graduate school, Charlotte continued to work remotely on loan appraisal and helped test and develop process changes that now provide us with greater efficiency and a paperless process for the loan team.

Gateway Credit Union Director Sara Burch said: “With her experienced and in-depth approach to lending, Charlotte works remotely alongside the staff team and has contributed to a review of our credit policy and processes. ready.

“As secretary to the board, she also supported our less tech-savvy board members in moving to online meetings with her usual quiet efficiency.

“Charlotte is always an inspiration and a person to depend on. It’s hard to imagine Gateway Credit Union without Charlotte.

Ms Rickwood is one of nine winners of this year’s Credit Unions Awards, which are sponsored by the Welsh Forum of the Association of British Credit Unions Ltd with support from the Welsh Government.

Robert Kelly, CEO of ABCUL, said: “The awards demonstrate the commitment and dedication of businesses, workers, organizations, members and volunteers to the global credit union movement.

“It shows how credit unions build communities and help people manage their finances for a better future.”


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What the Pandora Papers mean for South African taxpayers https://regiofora.com/what-the-pandora-papers-mean-for-south-african-taxpayers/ https://regiofora.com/what-the-pandora-papers-mean-for-south-african-taxpayers/#respond Sun, 17 Oct 2021 07:03:55 +0000 https://regiofora.com/what-the-pandora-papers-mean-for-south-african-taxpayers/ Almost 12 million financial documents known as Pandora Papers have recently been disclosed and put into the public domain, revealing the offshore financial assets of many internationally recognized figures. One of the questions raised following the leak is whether the investments made by these people are legal from a tax point of view. “From a […]]]>

Almost 12 million financial documents known as Pandora Papers have recently been disclosed and put into the public domain, revealing the offshore financial assets of many internationally recognized figures.

One of the questions raised following the leak is whether the investments made by these people are legal from a tax point of view.

“From a South African tax perspective, this provides an opportunity for South African residents who have investments abroad, or who intend to invest abroad in the future, to s ‘ensure that these investments are made in accordance with all relevant South African tax laws,’ said Louis. Botha, Senior Partner at Cliffe Dekker Hofmeyr Law Firm.

One of the most significant changes in international tax law in recent years is the introduction of the Common Reporting Standard (CRS), he said.

“With respect to CRS, tax authorities in countries that have opted for and implement CRS must exchange certain information held by reporting financial institutions operating in their jurisdiction, with tax authorities in other countries that implement CRS .

“Therefore, the South African Revenue Service (SARS) will first collect information from the South African institutions that must report information to it under the CRS, and once collected, will exchange the information with the relevant foreign tax authorities. . “

Accordingly, if a South African resident holds an account with a foreign financial institution that is required to report information under the CRS to their local tax authority, the information on that account is likely to be reported. attention of SARS in the context of information exchange. between SARS and the foreign tax authority, Botha said.

“The bottom line is this: South Africans cannot use offshore structures to hide the existence of assets. South African residents should also keep in mind that although South Africa does not have double taxation agreements with some so-called low tax jurisdictions, it still has agreements providing for the exchange of information. tax with many of these jurisdictions.

“This means that SARS can rely on these agreements, if necessary, to obtain information about a South African resident from a specific foreign tax authority.”


SARS outbreak

Botha said the following notable fiscal developments occurred in South Africa in 2021:

  • In Budget 2021, the Minister of Finance announced that SARS would receive additional financial resources to increase its ability to enforce tax laws and investigate the cases of the so-called wealthy (HNWI).
  • Following this announcement, the SARS HNWI unit was established and began sending letters to taxpayers who will be classified as HNWI.
  • More recently, SARS and the U.S. Internal Revenue Service (IRS) announced that the IRS Criminal Investigation Division and SARS Enforcement Division will join forces to tackle tax crimes and economic effects affecting both countries.

“Although the Tax Administration Act 28 of 2011 (TAA) generally prohibits SARS from disclosing certain confidential information about a taxpayer to third parties, it provides for exceptions and specific cases where the information may be shared,” said Botha.

On the other hand, SARS would be able to obtain information regarding a specific taxpayer from any of the aforementioned agencies, as long as these agencies are allowed to share information regarding a specific taxpayer, did he say. he declares.

“What South African residents should therefore keep in mind is that it may be easier for SARS to obtain information regarding their financial affairs than they realize.”


From sharing information to paying an additional tax

Although it appears that SARS can legally obtain information regarding the financial affairs or financial condition of a South African taxpayer through different avenues, it is still required to comply with the TAA provisions regarding audits before it can. impose additional tax on a taxpayer.

In other words, simply sharing information does not automatically equate to a taxpayer with foreign assets subject to more taxes. In this regard, particular TAA Articles 40 and 42 should be noted, Botha said.

“Under section 40 of the TAA, SARS has the right to audit a taxpayer. It was also confirmed in Carte Blanche Marketing CC and others c. South African Tax Administration Commissioner that the audit decision is not subject to review.

In other words, a taxpayer faced with an audit cannot prevent SARS from undertaking that audit. However, if SARS does not perform the verification in accordance with Section 42 TAA, it could constitute a violation of a taxpayer’s constitutional right to fair administrative action, ”he said.

“If so, it could result in the revocation of the additional assessment issued as a result of such a flawed audit process.”


How to avoid tax pain

Botha outlined some of the important aspects to consider when investing offshore or in an offshore structure:

  • Set up or invest in the offshore structure: All relevant tax considerations should be taken into account when a South African resident intends to set up an offshore structure. When investing in an offshore trust structure, one would initially need to make a loan to the trust or make a donation. When a donation is used to fund the trust, donation tax will be payable. When a loan is advanced to the trust, care must be taken to ensure that the terms of the loan comply with sections 31 and 7C of the Income Tax Act 58 of 1962 (ITA). SARS Interpretation Note 114 (IN114), which provides examples of how these sections may interact, should also be considered. Although IN114 is not binding, it provides an overview of how SARS might apply Articles 7C and 31 under a certain set of circumstances.
  • If we are dealing with direct investment in an offshore company, it should be examined whether Article 31 of the ITA has been observed when purchasing shares or subscribing to shares in this company. When a loan is granted to this foreign company, that loan must also comply with the transfer pricing provisions of Article 31. In addition to tax considerations, one must also comply with the exchange control rules applicable to the investment in the offshore structure.
  • Annual tax payment: Depending on how the investment in the offshore structure has been funded, some tax will likely be payable to SARS each year. When a loan is made, interest income will be subject to tax. In addition, a taxpayer must assess whether the attribution rules apply to income, capital gains or dividends from the offshore structure. The attribution rules could apply even if the offshore trust has not vested any amount to a South African beneficiary. When owning shares directly in a foreign company, one must consider whether the rules on controlled foreign companies apply to the taxation of amounts received by the foreign company.
  • Keeping records is essential: The TAA requires a South African resident to keep records for at least five years after submitting a tax return. If SARS institutes an audit or verification process for a specified period, the provision of documentary evidence is essential to avoid having to pay an additional tax. If the documents are relevant to an audit or investigation under Chapter 5 TAA of which the taxpayer is aware or a person files an objection or appeal under Article 104 (2) of the TAA, the person must retain relevant documents until the audit or investigation is completed, or the assessment or decision becomes final, despite the aforementioned 5-year requirement.

Read: Here Are The Biggest Revelations From The Pandora Papers Leak


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Arctic Coast Highway and Deepwater Port Project back on track with $ 7.25 million loan deal https://regiofora.com/arctic-coast-highway-and-deepwater-port-project-back-on-track-with-7-25-million-loan-deal/ https://regiofora.com/arctic-coast-highway-and-deepwater-port-project-back-on-track-with-7-25-million-loan-deal/#respond Fri, 15 Oct 2021 23:39:00 +0000 https://regiofora.com/arctic-coast-highway-and-deepwater-port-project-back-on-track-with-7-25-million-loan-deal/ The Grays Bay Road and Port project in Nunavut is now back after being bogged down for nearly two years by COVID-19 and financial constraints from soaring construction costs. The Kitikmeot Inuit Association (KIA), which is leading the project, plans to take out a 10-year, $ 7.25 million loan from Nunavut Tunngavik Inc. (NTI), the […]]]>

The Grays Bay Road and Port project in Nunavut is now back after being bogged down for nearly two years by COVID-19 and financial constraints from soaring construction costs.

The Kitikmeot Inuit Association (KIA), which is leading the project, plans to take out a 10-year, $ 7.25 million loan from Nunavut Tunngavik Inc. (NTI), the territory’s Inuit organization.

“We are ready to move forward,” said Stanley Anablak, president of KIA, a regional Inuit association that represents the Inuit of western Nunavut.

The project would see a 227 kilometer all-weather road north of the Jericho mine near the Northwest Territories border at the north end of the Tibbitt-Contwoyto winter road to Grays Bay on the arctic coast. It would also have a deep-water port at Grays Bay in the Coronation Gulf.

The project would bring lower cost of living, cheaper electricity and improved telecommunications to the Kitikmeot region.

The Kitikmeot Association said it has carried out an independent review of the project’s business case to assess its viability before accepting the loan. He then asked delegates at his recent AGM in Cambridge Bay, Nunavut to approve the loan, which was done unanimously. KIA wanted a grant from NTI, which meant they wouldn’t have to pay it back, but were offered to bury the funds instead.

The loan agreement, which covers 25% of what is needed to get it ready to go, is expected to be signed by the end of the month, Anablak said.

The association has received a financial commitment from the federal government to cover the remaining 75 percent of necessary pre-construction costs up to $ 21.6 million.

The project would see a 227 kilometer all-weather road north of the Jericho mine, near the Northwest Territories border at the north end of the Tibbitt-Contwoyto winter road, to Grays Bay on the arctic coast. It would also have a deep water port at Grays Bay. (SRC)

Together, the federal grant and the NTI loan will help prepare the Western Arctic Deepwater Road and Port Project for an environmental assessment by federal and territorial reviewers.

NTI’s loan is expected to be made in two installments, with the first $ 4 million returned to KIA within 30 days of signing the loan agreement.

The second part of the loan would be granted within 10 days of the implementation by the KIA of “certain financial management measures”. The agreement states that the entire loan must be repaid by March 31, 2032.

1st step project manager recruitment

The first step in this three-year process, said Anablak, will be to hire a project manager.

The project – which KIA took over from Nunavut Resource Corp. in 2020 – was initially valued at $ 550 million in total.

But rising construction costs have since skyrocketed, Anablak said.

“COVID has placed a huge burden on us, so we have delayed the last 19 months on this project,” he said. “Once we hire a project manager, that will be one of their jobs, costing.”

After that, the task will be to find investors.

“We have always dreamed of power lines and the Internet. We hope the government will step in and use our access to connect us,” Anablak said.

Link with the NWT

Meanwhile, in the Northwest Territories, the Yellowknives Dene First Nation plans to move forward with their $ 1.1 billion Slave Province Geological Corridor project, which would connect to the road. Gray’s Bay.

The Slave Geological Province Corridor would see a 413 kilometer all-season highway constructed northeast of Yellowknife to the western border of Nunavut.

In August 2019, the federal government announced it would invest $ 30 million, and the Government of the Northwest Territories will contribute an additional $ 10 million to support environmental regulatory reviews and planning studies for this project.


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Questions to Ask When Developing Winter Cow Care Agreements https://regiofora.com/questions-to-ask-when-developing-winter-cow-care-agreements/ https://regiofora.com/questions-to-ask-when-developing-winter-cow-care-agreements/#respond Thu, 14 Oct 2021 20:53:00 +0000 https://regiofora.com/questions-to-ask-when-developing-winter-cow-care-agreements/ Given the current drought conditions in the western and north-central United States, cattle producers are increasingly interested in sending cattle to other places, such as Nebraska, where winter forage resources are available. such as corn residue may be available for grazing. This creates a scenario where many people are wondering what a fair deal looks […]]]>

Given the current drought conditions in the western and north-central United States, cattle producers are increasingly interested in sending cattle to other places, such as Nebraska, where winter forage resources are available. such as corn residue may be available for grazing. This creates a scenario where many people are wondering what a fair deal looks like for wintering cows. This article will provide things to consider when developing winter cow care agreements.

It is important that these agreements are in writing and specify specific responsibilities as well as ownership of risks in order to avoid uncertainties and disagreements. The goal of a good deal is that there are no surprises and that all parties are clear about expectations and roles. It’s easy to forget what was originally agreed upon. Having a written agreement makes it easy to refer to it when situations arise.

Winter cow care agreements involve a lot of trust on both sides. Troy walz
Courtesy photo

A certain number of questions must be asked and answered upstream.



Expected arrival date and departure date. The number and type of livestock (this can be important when establishing the value of livestock as well as performance expectations). How will the animals be identified? Are the cattle marked? The location where the livestock will be managed. Who will pay the trucking costs between home and place of care? Who will pay the local trucking costs, if the livestock must be moved during the period of care?

Have the cattle ever seen an electric fence? If individual cows do not respect the fences, does the supplier have the right to send them home? How will these trucking costs be managed?



How will the loss of life and missing cattle be treated? One option is to define the initial loss per death that would be at the owner’s expense with an agreement that the operator is responsible for the value of livestock above that level. How will the price be determined? It can be useful to set this price in advance to avoid problems. How will death be verified? Procedures used by insurance companies to verify dead cow losses can be adopted and included in the agreement. This usually involves a licensed veterinarian with the veterinarian fees normally allocated to the owner of the cow.

How will the treatment of sick cattle be managed? How will the processing fees be managed? A common option would be to have the supplier notify the owner of any unhealthy or injured animal so that a joint decision can be made to contact a veterinarian if necessary. It is also a good idea for the supplier to provide the owner with the name and contact details of the vet so that they can contact them as needed.

What will the cattle be fed or grazed on? Will extra protein or energy be provided when grazing? How will the need be determined? When grazing, what are the feed expectations when ice and snow restrict consumption? How will the costs associated with the supplemental feed be managed? Will ore / salt be supplied to livestock. Who pays the costs? How will admission be managed? Will body condition be monitored and diet adjusted? What is the acceptable condition? The herd body condition score should be assigned to the cows when care is transferred and a discussion of expectations regarding the condition of the cows during the care period should take place. Having an assigned physical condition before the cows leave the vendor location is also a good idea. The use of a third party (such as a veterinarian) to assist both parties in assessing body condition is recommended.

Will the cows be mixed with another herd? What are the vaccination requirements for mixing?

Will additional services need to be provided, such as calving cows? What would happen if, for example, cows started to calve unexpectedly?

Livestock and facility inspection? What rights and under what conditions does the owner have the right to inspect the livestock when it is under the control of the caregiver?

Termination of the agreement? What would be the conditions that would allow the owner to remove the livestock / terminate the agreement with the caregiver and vice versa. How much notice must be given?

Payment terms. When and how much. It is common for a certain amount of money to be paid to the supplier up front and then the costs to be billed monthly by the supplier. Will full payment be required before the cattle are returned to the owner (see note on cattle lien below).

Some legal issues also need to be addressed

What are the expectations for liability insurance?

Establish whether the livestock owner is responsible for complying with interstate livestock shipping requirements. Typically this would include CVI veterinary inspection certificate for diseases, vaccinations. Allow at least 30 days minimum to obtain approval. This is necessary both when the cattle enter Nebraska and when the cattle leave Nebraska (unless the cattle are slaughtered in Nebraska). The contract must specify who pays for CVI veterinary services necessary for the interstate movement of cattle for cattle entering Nebraska and cattle leaving Nebraska.

If the livestock is loan collateral, the livestock owner is responsible for obtaining permission from the owner’s lender to withdraw the livestock / out-of-state loan collateral. Failure to do so could violate the security agreement, lead to loan acceleration, foreclosure.

Establish whether the livestock owner or care provider will arrange for the owner’s mark inspection of the owner’s livestock out of state livestock entering and exiting Nebraska.

Agister (caregiver): In Nebraska, an agister (caregiver) has a lien on livestock for unpaid bills. Determine if the caregiver will be paid in full before the cattle leave the caregiver’s premises. Depending on the type of payment, determine if the care provider will notify the owner when payment is made so that the owner can arrange transportation to the owner’s premises. Once the cattle leave the caregiver’s premises, it could be legally complicated to create and enforce the caregiver’s privilege outside of Nebraska.

Winter cow care agreements involve a lot of trust on the part of both parties. It is advisable to get references for the other party when working with someone for the first time. Caregivers may find it helpful to speak with the owner’s lender and others who have dealt with the owner. The owner may find it helpful to speak with other owners that the supplier has worked with in the past.

This resource is intended to provide a list of questions and issues to consider when drafting an agreement for winter livestock care. It is intended for educational purposes. The details of any actual agreement are left to the parties involved, and obtaining legal advice from a licensed lawyer is encouraged when crafting the actual agreement.

Watch the September 2, 2021 webinar, “Considerations When Developing Winter Cow Care Agreements,” at https://cap.unl.edu/livestock for a more in-depth look at creating good agreements for all parties.

–UNL extension


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Global Digital Lending Platform Market – Forecast to 2026 https://regiofora.com/global-digital-lending-platform-market-forecast-to-2026/ https://regiofora.com/global-digital-lending-platform-market-forecast-to-2026/#respond Tue, 12 Oct 2021 10:02:29 +0000 https://regiofora.com/global-digital-lending-platform-market-forecast-to-2026/ Global Digital Lending Platforms Market The global digital lending platform market is expected to grow from $ 10.5 billion in 2021 and is expected to grow to $ 20.5 billion by 2026 at a CAGR of 13.5% from 2021 to 2026. The ubiquity of smartphones and the Growing rates of Internet connectivity have helped the […]]]>

Global Digital Lending Platforms Market

The global digital lending platform market is expected to grow from $ 10.5 billion in 2021 and is expected to grow to $ 20.5 billion by 2026 at a CAGR of 13.5% from 2021 to 2026. The ubiquity of smartphones and the Growing rates of Internet connectivity have helped the market develop well. In addition, increased automation, demand for better customer satisfaction, and regulatory initiatives to protect digital finance are fueling the market growth during the forecast period.

Browse 151 market data tables and 111 figures spread over 181 pages and an in-depth table of contents on “Global Digital Lending Platforms Market – Forecast to 2026” https://www.globalmarketestimates.com/market-report/digital-lending-platform-market-3572

By offering (Solution [Business Process Management, Lending Analytics, Loan Management, Loan Origination, Risk & Compliance Management, Others], Service [Design & Implementation, Training & Education, Risk Assessment, Consulting, Support & Maintenance]), by deployment mode (on-premise, cloud), by end user (banks, insurance companies, credit unions, savings and loan associations, peer-to-peer lending, others) Competitive landscape, analysis by company market and competitor An analysis

Key market information
• In the services segment, the consulting segment is expected to grow at the fastest rate from 2021 to 2026.
• Growing proliferation of smartphones and increased internet penetration in countries like Singapore, Australia, Japan and South Korea are expected to drive the growth of the APAC market
• The market of cloud segment is expected to have the largest share of the market during the forecast period.
• Credit unions expected to experience fastest growth over the forecast period
• Fiserv, ICE Mortgage, FIS, Newgen Software, Nucleus Software, Temenos, Pega, Sigma Infosolutions, Intellect Design Arena, Tavant, Docutech, Cu Direct, Abrigo, Wizni, Built Technologies, Turnkey Lenders, Finastra, RupeePower, Roostify, JurisTech, Decimal Technologies, HES Fintech, ARGO, among others, are the main players in the digital lending platform market.

Browse report @ https://www.globalmarketestimates.com/market-report/digital-lending-platform-market-3572

Supply Outlook (Revenue, USD Billion, 2021-2026)
• Solution
• Process management
• Loan analysis
• Loan management
• Origin of the loan
• Risk and compliance management
• Others
• Services
• Design and implementation
• Training and education
• Risk assessment
• Advice
• Assistance and maintenance

Deployment Mode Outlook (Revenue, USD Billion, 2021-2026)
• On the site
• Cloud

End User Outlook (Revenue, USD Billion, 2021-2026)
• Banks
• Insurance companies
• Credit unions
• Savings and loan associations
• Peer-to-peer loan
• Others

Regional Outlook (Revenue, USD Billion, 2021-2026)
North America
• United States
• Canada
• Mexico
Europe
• Germany
• UK
• France
• Spain
• Italy
• The rest of Europe
Asia Pacific
• China
• India
• Japan
• South Korea
• Australia
• Rest of the APAC
Central and South America
• Brazil
• Argentina
• Rest of the ASC
Middle East and Africa
• Saudi Arabia
• United Arab Emirates
• Rest of the MEA

Contact: Yash Jain
Email address: yash.jain@globalmarketestimates.com
Phone number: +16026667238
Website: https://www.globalmarketestimates.com
Check out our latest blogs: https://www.globalmarketestimates.com/blog-posts.php

B-502, Kemp Plaza, Mindspace, Malad West, Mumbai: 400 064, India

Global Market Estimates is an India-based market research and consulting company. The company provides syndicated research reports, custom research reports and advisory services to its clients and helps them achieve their business goals at the business level. The Global Market Estimates database is used by the world’s well-known and prolific academic institutions and Fortune 500 companies to understand the global and regional business environment in order to excel in their business goals.

This version was posted on openPR.


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Support to the public sector – New Jersey Business Magazine https://regiofora.com/support-to-the-public-sector-new-jersey-business-magazine/ https://regiofora.com/support-to-the-public-sector-new-jersey-business-magazine/#respond Mon, 11 Oct 2021 04:44:00 +0000 https://regiofora.com/support-to-the-public-sector-new-jersey-business-magazine/ It clarifies the fringe benefits of state-mandated employees, such as thearned sick leave, paid family leave, temporary disability and workers compensation. In addition, it identifies the licensing and certification requirements that one needs to operate, such as small business, woman, minority, or veteran owned business certification.ns. Willoughby says five of the most important resources the […]]]>

It clarifies the fringe benefits of state-mandated employees, such as thearned sick leave, paid family leave, temporary disability and workers compensation. In addition, it identifies the licensing and certification requirements that one needs to operate, such as small business, woman, minority, or veteran owned business certification.ns.

Willoughby says five of the most important resources the NJBAC provides to small business owners are: real-time business assistance, access to financing options, government procurement assistance, export and informative webinars.

AAs an example of the webinars offered by the NJBAC, the center is collaborating with the New Jersey Department of Environmental Protection and the New Jersey Clean Communities Council on “Bag Up NJ” to raise awareness about the implementation of Plastic Car in 2022.Ryout Bags and Styrofoam Prohibition Act promulgated by Governor Murphy. Other topics include franchising, what you need to know; The importance of social media for small businesses; E-commerce; and cybersecurity.

The NJBAC facilitated the provision of aresponds to businesses in real time with a live chat feature, accessible through business.nj.gov. There is also a professional helpline at 1-800-JERSEY-7, open Monday through Friday 8:00 a.m. to 5:00 p.m. Spanish speaking business lawyers are available.label.

U.S. Small Business Administration

www.sba.gov/offices/district/nj/newark

973-645-2434

At the SBA, New Jersey District Director Al Titone says the agency provides top-notch support and access to its programs that “meet companies where they are in their current situation and provide products and services that can helpp they grow up.

Titone realizes that small businesses are the lifeblood of the state’s economy. To that end, the SBA office has been working to help businesses with various products and services throughout the pandemic.

For example, the COVID Economic Injury DisThe Aster Loan Program (EIDL) provided more than 129,000 small businesses and nonprofits with approximately $ 9.72 billion to help them meet their financial obligations and operating expenses that could have been covered if COVID had not taken place. “These long-term weak-iLoans at interest rates (up to 30 years at a low interest rate; 2.75% for nonprofits and 3.75% for small businesses) helped close the gap for a so many of our entrepreneurs ”, Titone said.

There have also been 229 grants for approved shutter site operators for New Jersey, providing $ 142.4 million to hard-hit venues such as theaters, cinemas, museums, and performing arts organizations, among others. In addition, 3,086 restaurants received payments from the Restaurant Revitalization Fund (RIF) of more than $ 923 million as well.

973-353-1927

Working in partnership with the SBA, the New Jersey Small Business Development Centers (NJSBDC) have advised and trained thousands of small business owners and entrepreneurs on operational issues that have helped them recover from the pandemic effects.

According to Deborah K. Smarth, CEO of NJSBDC and Associate State Director, “With our comprehensive assistance to small businesses and entrepreneurs, many companies have applied for and obtained EIDL, PPP and other funding, including grants to help them maintain and stabilize their businesses against the effects of COVID. “

She says many NJSBDC client companies have reopened, developed new strategies and recovered financially thanks to the full support provided by the center. business specialists.

The NJSBDC has also hosted special training webinars attended by thousands of business owners. “They took advantage of learning business practices to start, recover and support resilience and future growth to overcome tit challenges COVID-19 ”, Smarth said.

Topics for the webinar included: reopening practices with a focus on safety and health, supply chain management, successful operational strategies, remote working, improving business continuity plans, preventing cybersecurity threatsts, and intellectual property protection, etc.

By partnering and leveraging the expertise of key collaborators at Rutgers University (host of the national NJSBDC program), small minority-owned businesses have been further helped. Targeted surveys on small bStatewide activities – including NJSBDC clients – have been carried out and the small business assistance counseling / training areas are continually being adjusted based on the assessment of business needs and demand.

“Restaurateurs and retail stores on Main Street to science and technology companies looking to bring their innovations to market, the NJSBDC has provided the necessary personalized advice and training that has helped build resilience, ” Smarth said.


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SBA overpaid $ 4.5 billion in EIDL grants, IG report says https://regiofora.com/sba-overpaid-4-5-billion-in-eidl-grants-ig-report-says/ https://regiofora.com/sba-overpaid-4-5-billion-in-eidl-grants-ig-report-says/#respond Fri, 08 Oct 2021 16:27:46 +0000 https://regiofora.com/sba-overpaid-4-5-billion-in-eidl-grants-ig-report-says/ Dive brief: The Small Business Administration (SBA) paid $ 4.5 billion more than it should have when it made economic disaster loan (EIDL) grants to small businesses at the start of the pandemic l ‘last year, said the agency’s inspector general in a report published Thursday. The program, which aimed to help small businesses stay […]]]>

Dive brief:

  • The Small Business Administration (SBA) paid $ 4.5 billion more than it should have when it made economic disaster loan (EIDL) grants to small businesses at the start of the pandemic l ‘last year, said the agency’s inspector general in a report published Thursday.
  • The program, which aimed to help small businesses stay afloat amid lockdowns related to COVID-19, gave eligible businesses $ 1,000 per employee, with a cap of $ 10,000. The SBA, however, did not require sole proprietors or independent contractors to disclose Employer Identification Numbers (EINs) when applying for grants, and requested Social Security numbers instead.
  • “We found that the SBA did not have an appropriate internal control environment in place at the start of the program to prevent sole proprietors and independent contractors without employees from receiving emergency EIDL grants over $ 1,000.” , Hannibal Ware, SBA Inspector General, wrote in the report. . “The SBA provided billions of dollars more in emergency EIDL grants to sole proprietors and independent contractors than they were entitled to receive under the SBA’s own policy.”

Dive overview:

The IG report claims that the SBA approved thousands of grant amounts for applications that were not adequately reviewed because it had no control system in place to report applications containing erroneous or illogical information .

“The funding could have been used to provide grants to more eligible small businesses, which was SBA policy intent to limit grants to $ 1,000 per employee,” Ware wrote.

The agency’s inspector general said he found cases where sole proprietors or independent contractors falsely claimed to have up to 1 million employees.

“The absence of EINs and the number of employees cited on these applications should have alerted SBA loan specialists that the applicant’s self-certified information was in error and possibly incorrect,” Ware writes in the report. “However, the SBA never requested additional information from these sole proprietors to verify the number of employees listed on their grant applications before approving and disbursing grants for amounts greater than $ 1,000.”

Ware concluded that EIDL applicants were only entitled to $ 704 million of the $ 5.2 billion received under the program.

The SBA said it disagreed with some “key statements” in a response included in the report.

Under the CARES Act, the agency was required to accept self-certifications from applicants, wrote James Rivera, head of the SBA’s disaster resistance bureau.

Rivera said the SBA also does not accept the Trump administration’s policy of limiting EIDL advances to $ 1,000 per employee up to a maximum of $ 10,000.

“The per employee cap of the original EIDL Advance program was a self-imposed policy instituted by the previous administration that generated countless hours of work for SBA teams responding to requests from small businesses negatively affected by the policy. “, he wrote.

Rivera also said unclear instructions may have led some borrowers to include employee social security numbers rather than EINs on applications.

“The draft report claims that all sole proprietors and independent contractors who reported having employees on their COVID EIDL app only applied their SSN because they did not have an EIN and are therefore in violation of a IRS regulations for obtaining an EIN, ”he wrote. . “This claim, however, does not acknowledge that the EIDL COVID application instructions may have been unclear to applicants.”

Despite his disagreement with the report’s “key statements”, Rivera said the SBA partially agreed with the audit recommendation.

“The SBA will develop a plan to evaluate awarded EIDL advances by examining a sample of sole beneficiaries and independent contractors who have self-certified having employees but did not provide EINs on their COVID EIDL application,” a- he writes.

The agency will employ a third-party contractor to assess EIDL advances over $ 1,000 made to sole proprietors and independent contractors who have not applied for using an EIN, Rivera wrote.

The agency will also develop a plan to remedy cases in which the applicant provided false information on an application regarding having employees, he added.

“The SBA will explore the options available to remedy cases, including, but not limited to, recovering funds by set-off, referral to the OIG’s Criminal Investigations Division, or providing supporting documentation as appropriate.” , he wrote.

Another setback

Thursday’s IG report is the latest black mark for the SBA, which has been at the center of the government’s economic relief efforts amid the pandemic.

The agency’s inspector general in July called for closer monitoring of EIDL program, warning banks to investigate suspicious activity related to it.

Thursday’s report will likely stir up more decline of banking business groups and Republican lawmakers who criticized the agency’s management of direct loans under the program.

Critics of the agency said the recent launch of a direct remittance portal for Paycheck Protection Program (PPP) loans was an attempt to regain control of the lending program.

“I think this decision by the SBA to try to regain control of the PPP program, when it was actually very well managed by the banks, could be an effort to conserve their territory,” said Rep. Jim Hagedorn. , R-MN, said last month. He accused the SBA of threatening to audit banks that refused to join the SBA’s direct forgiveness portal in favor of their own platforms.


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No sign of mortgage stress – yet https://regiofora.com/no-sign-of-mortgage-stress-yet/ https://regiofora.com/no-sign-of-mortgage-stress-yet/#respond Wed, 06 Oct 2021 23:00:16 +0000 https://regiofora.com/no-sign-of-mortgage-stress-yet/ Weekly reports | 10:00 AM This story features RESIMAC GROUP LIMITED and other companies. For more information SHARE ANALYSIS: RMC No sign of mortgage stress, yet as regulators tighten screws on mortgage lending By Tim Boreham, Editor-in-Chief, The New Criterion With Sydney’s average stack now worth over a million dollars – with a broken drain […]]]>

Weekly reports | 10:00 AM

This story features RESIMAC GROUP LIMITED and other companies. For more information SHARE ANALYSIS: RMC

No sign of mortgage stress, yet as regulators tighten screws on mortgage lending

By Tim Boreham, Editor-in-Chief, The New Criterion

With Sydney’s average stack now worth over a million dollars – with a broken drain as the only view of the water – it’s a safe bet that the next financial crisis will have something (or all) to do with the lodging.

Last week Federal Treasurer Josh Frydenberg and the powerful Council of Financial Regulators signaled a crackdown on the insanity that was unfolding.

This followed the International Monetary Fund’s warning that the burning housing market threatened financial stability, with the august body recommending “macroprudential” measures such as ceilings on high debt-to-income loans and loan ratios. -Evaluation.

The Australian Prudential Regulation Authority (APRA) responded on Wednesday by increasing the cushion rate – the assumed interest rate at which lenders must assess a borrower’s ability to pay – from 2.5% to 3%.

Take into account the pandemic blockages of the marathon and the unemployment that follows and it is no wonder that policymakers are worried.

When it comes to ASX-listed home lenders, there is no sense of a looming crisis, but avoiding one will require more deft credit assessment practices, such as a much closer examination. “lying loan” requests.

But it’s often OK until it isn’t.

Mortgage specialist Resimac ((RMC)) nearly doubled its net income to $ 107.6 million in the 12 months to June 30, helped largely by bad debt charges falling to $ 2.7 million from $ 22 million previously.

The owner of Homeloans.com.au, Resimac raised a specific allowance of $ 5.43 million – 0.04% of the loan portfolio of $ 13.8 billion, compared to $ 6.06 million (0.05 %) one year ago.

Unsurprisingly, prime mortgages fare better than the “specialist” category (these are loans that traditional lenders won’t accept, but can still be a good risk with the right treatment).

Resimac CEO Scott McWilliam said that while there has been a slight increase in the number of troubled claims, it’s not like 12 months ago and the mood is “rational”.

In its annual figures, Freedom Financial ((LFG)) said customers representing just $ 84 million in assets were subject to Covid-19 partial payment agreements, up from $ 1.133 billion in the previous June.

Home loans represent 71% of Liberty’s total loan portfolio.

Liberty’s bad and bad debt expense fell to almost nothing, thanks to the reversal of previous provisions that were not needed.

Fresh out of its initial public offering in May, Pepper Silver ((PPM)) notes that a year ago more than 12,000 customers requested a payment break. By August, the number had dropped to 173 – so few that you could almost name them individually.

“It’s quite different,” says CEO Mario Rehayem.

He believes customers are much better informed about what a refund “vacation” really means: like a normal vacation, they won’t last forever and will eventually have to be paid for.

“Before there was a rush for the phone, [with borrowers] thinking they might lose their refunds and not have to pay them back, ”he said.

It also allows more customers to have a decent savings buffer to fall back on, so that they cannot enjoy leisure and travel activities.

“Before Covid, household savings were between 2% and 2.5% (of disposable income),” says Pepper CFO Therese McGrath.

“The Australians have really got their finances under control and the rate has gone up to 20% and we are still between 11 and 13%. “

In the (first) half of June 2021, Pepper’s loan losses were 0.28% of the loan portfolio, an improvement of 9 basis points. Mortgages make up $ 11.3 billion of Pepper’s $ 14.3 billion loan portfolio – 79% – with asset financing (mostly vehicles) making up the rest.

“Historically, our loss performance has been good because of the disciplined way we issue credit,” Reyahem said.

“We have great performance, but historically we have it too. “

At the top, the experience of Commonwealth Bank ((CBA)) emulates that of non-banks, but with even lower losses.

The only Big Four bank to have a June balance date, the nation’s largest mortgage lender reported a full-year loan impairment of $ 554 million, or 0.07% of the $ 817 billion loan portfolio. the bank’s dollars, up from $ 2.518 billion previously.

Home loan arrears amounted to $ 134 million, up from $ 1.034 billion previously.

The bank’s overall provisioning for bad debts stands at $ 6.2 billion (1.63% of the portfolio) against $ 6.4 billion previously.

In its third quarter credit quality update, Westpac ((WBC)) – the second-largest mortgage lender – reports 90-day mortgage delinquencies at 1.11% of the pound, up from 1.62% a year ago.

We’ll have a better idea when Westpac, ANZ Bank ((ANZ)) and National Bank of Australia ((NAB)) report their full numbers for the year up to September 30.

On the progress reports to date, there won’t be anything too big, hairy, and scary – or not yet anyway.

On a pessimistic note, the hefty profits on the aforementioned lenders are unlikely to be repeated if there is an explosion in defaults from such low levels.

On the bright side, lenders use data to assess claims in a more personalized way, rather than accepting or rejecting customers using cookie-cutter metrics.

Data-driven metrics should also help lenders avoid the problems of the past. Pepper, for example, is paying close attention to areas and local government industries affected by Covid and will not lend to buyers of high-rise apartments or lifestyle properties such as hobby farms.

Hopefully lenders’ high tech tools are top notch, because when (not if) interest rates rise, their stress tolerance assumptions will be strained.

Over the past month, shares of Resimac, Pepper and Liberty Financial have fallen by -18%, -11% and -3% respectively, while the broader market has lost around -4%. CBA shares actually gained 3%, although the bank is often ridiculed as the most expensive building company in the world.

It is a moot point whether investors are correctly sniffing out the growing distress in the mortgage belt, or if this is another false alarm and stocks are a value buy in what has been a sector. covered with teflon for so many years.

Disclaimer: Under no circumstances have there been any inducements or similar inducements made by the company mentioned to IIR or the author. The views here are independent and have no connection with the core research offering of IIR. The opinions expressed here are not recommendations and should not be taken as general advice in terms of stock recommendations in the ordinary sense of the word.

The content included in this article is not by association the point of view of FNArena (see our disclaimer).

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Personal Loan Market Size, Growth, and Key Businesses – LightStream, Rocket Loans, Upstart, SoFi, LendingClub, Earnin – Amite Tangy Digest https://regiofora.com/personal-loan-market-size-growth-and-key-businesses-lightstream-rocket-loans-upstart-sofi-lendingclub-earnin-amite-tangy-digest/ https://regiofora.com/personal-loan-market-size-growth-and-key-businesses-lightstream-rocket-loans-upstart-sofi-lendingclub-earnin-amite-tangy-digest/#respond Wed, 06 Oct 2021 00:35:39 +0000 https://regiofora.com/personal-loan-market-size-growth-and-key-businesses-lightstream-rocket-loans-upstart-sofi-lendingclub-earnin-amite-tangy-digest/ New Jersey, United States, – Verified Market Research® presents an updated and most recent study of the Personal loan market size for 2021-2028. The report offers answers to the growth scenarios and the impact of the ongoing COVID-19 crisis on the personal loan market. The report provides essential data on the market size, revenue, production […]]]>

New Jersey, United States, – Verified Market Research® presents an updated and most recent study of the Personal loan market size for 2021-2028. The report offers answers to the growth scenarios and the impact of the ongoing COVID-19 crisis on the personal loan market. The report provides essential data on the market size, revenue, production and consumption, gross margin, price, and factors influencing the market growth. The report places special emphasis on the major driving and restraining factors of the market along with an in-depth study of emerging trends and future developments in the market. The report also includes an in-depth study of the micro and macroeconomic issues that may affect the market demand. The report offers comprehensive market research for the forecast period 2021-2028. The report includes a comprehensive analysis of market players along with company overview, financial status, and SWOT analysis.

The personal loans market is growing at a faster pace with substantial growth rates over the past few years and the market is estimated to experience significant growth during the forecast period i.e. 2021 to 2028.

Get | Download a sample copy with table of contents, graphics and list of figures @ https://www.verifiedmarketresearch.com/download-sample/?rid=116671

Additionally, the report provides insightful information on key manufacturers and players as well as the industry. It includes data on the latest trade movements, product launches, technological advancements, mergers and acquisitions, partnerships and joint ventures. The report also provides in-depth assessment of production and manufacturing capacity, industry chain analysis, market share, size, revenue, growth rate and market share. The report also includes market assessment and CAGR to provide a comprehensive picture of the personal loan market.

The report covers an in-depth analysis of the major market players in the market, along with their business overview, expansion plans, and strategies. The major players studied in the report include:

LightStream, Rocket Loans, Upstart, SoFi, LendingClub, Earnin, HDFC, Bank of India, Central Bank of India, SBI.

Segmentation of the personal loan market

Personal loan market, by loan term

• Long term loans
• Medium term loans
• Short term loan

Personal Loan Market, By End User

• People
• Small and medium-sized enterprises (SMEs)
• Others

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Scope of Personal Loans Market Report

ATTRIBUTE DETAILS
ESTIMATED YEAR 2021
YEAR OF REFERENCE 2020
PLANNED YEAR 2028
HISTORICAL YEAR 2019
UNITY Value (million USD / billion)
COVERED SEGMENTS Types, applications, end users, etc.
COVER OF THE REPORT Revenue forecast, company ranking, competitive landscape, growth factors and trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free customization of the report (equivalent to up to 4 working days for analysts) with purchase. Add or change the scope of country, region and segment.

Geographic segment covered in the report:

The Personal Loans report provides information about the market area, which is further subdivided into sub-regions and countries / regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region during the estimated period.

• North America (United States and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and the rest of Latin America)
• Middle East and Africa (GCC and rest of Middle East and Africa)

Key questions answered in the report:

• What is the growth potential of the personal loan market?
• Which product segment will take the lion’s share?
• Which regional market will emerge as a pioneer in the years to come?
• Which application segment will experience strong growth?
• What growth opportunities might arise in the personal loan industry in the years to come?
• What are the most important challenges that the personal loan market could face in the future?
• Who are the leading companies in the Personal Loans market?
• What are the main trends positively impacting the growth of the market?
• What growth strategies are players considering to stay in the personal loan market?

For more information or a query or customization before purchasing, visit @ https://www.verifiedmarketresearch.com/product/personal-loans-market/

Visualize the Personal Loan Market Using Verified Market Intelligence: –

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VMI provides a holistic overview and global competitive landscape with regard to region, country and segment as well as the major players in your market. Present your market report and findings with a built-in presentation function, saving over 70% of your time and resources for investor arguments, sales and marketing, R&D and product development. VMI enables data delivery in interactive Excel and PDF formats with over 15+ key market indicators for your market.

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About Us: Verified Market Research®

Verified Market Research® is a leading global research and consulting company providing advanced analytical research solutions, personalized advice and in-depth data analysis for over 10 years to individuals and businesses seeking precise research, reliable and up to date. technical data and advice. We offer insights into strategic and growth analyzes, the data needed to achieve business goals and help make critical revenue decisions.

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At Verified Market Research, we help understand the holistic factors indicating the market and most current and future market trends. Our analysts, with their deep expertise in data collection and governance, use industry techniques to gather and examine data at all stages. They are trained to combine modern data collection techniques, superior research methodology, subject matter expertise, and years of collective experience to produce informative and accurate research.

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