Business Loan for SME in Malaysia #business #loan, #loan #malaysia, #small


SME Loans

Need a business loan but have minor CCRIS problem and no guarantor?

Need additional working capital but have no asset or collateral?

We are a business loan consultancy team consisting of ex bankers and lawyers. We assist SME and SMI entrepreneurs to arrange for credit facilities from conventional or islamic banks. Common needs for financing include:

Loans for Asset Acquisition

Asset acquisition is one of the many strategic ways to expand your business. Some of the available business loan products for asset acquisition include:

Term Loan
Term loan is for a specific amount that has a specified repayment schedule and a floating interest rate. It is useful for acquiring assets such as land, buildings and vehicles.

Bridging Facilities
An interim financing (usually one year) to allow the borrower to meet current obligations by providing immediate cash flow pending the arrangement of larger or longer-term financing.

Leasing is a contract by which one party conveys land, building, equipment or machinery to another for a specified time, usually in return for a periodic payment. It enables SME to acquire the usage of physical assets without having to purchase.

Industrial Hire Purchase
Financing to upgrade or buy machinery and equipment as part of expanding your business capacity without incurring high upfront payment thus freeing up funds for other uses.

Short Term Financing for Working Capital

To run smoothly, your business needs working capital i.e. the cash available for day-to-day operations of an organization. There are various products offered by financial institutions to provide additional liquidity to your business. And these include:

An overdraft is a credit facility loaded to your current account where the bank extends credit to meet working capital needs such as payment of salaries, purchases, utilities and other unplanned expenses. Although overdraft provides flexibility and convenience the interest is high as it is calculated on a daily basis on outstanding balance at the end of each business day.

Revolving Credit
Revolving credit (also referred to as line of credit LOC) is a type of credit that does not have a fixed number of payments. Corporate revolving credit facilities are typically used to provide short term liquidity for a company s day-to-day operations.

In Factoring, SMEs can sell their accounts receivables (i.e. invoices) to a third party (called a factor) at a discount. The purpose is to obtain cash advance to meet urgent cash obligations.

Trade Financing

Another option to provide short term financing is trade financing. Some of the common trade financing facilities provided include:

  • Letter of Credit (LC)
  • Bills of Exchange Purchased (BEP)
  • Trust Receipts
  • Foreign Exchange Contracts
  • Bankers Acceptance
  • Export Credit Financing


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UN Nonprofit Handbook Project (UNHB) #non #profit #institution


UN Nonprofit Handbook Project (UNHB)

The UN Nonprofit Handbook Project (UNHB) seeks to improve the treatment of nonprofit, or civil society, organizations in national economic statistics. The ultimate goal of this work is to enhance both the understanding and credibility of this important sector and to provide a solid, empirical foundation for maximizing the contributions it can make to solving the pressing societal and environmental problems facing the world today.

A lack of official information on this sector is, in large part, is a result of the way nonprofits are treated in the System of National Accounts (SNA), the set of international guidelines developed by the UN Statistics Division that governments use for compiling national economic statistics. This system buries data on the nonprofit sector inside other sectors and obscures our view.

Developed by the Center in cooperation with an international team of statistical experts, and approved by the United Nations Statistical Commission in 2002, the UN Handbook on Nonprofit Institutions in the System of National Accounts offers countries a standard set of guidelines for highlighting the accounts of the nonprofit sector so that it can be seen and analyzed as a distinct sector in national economic accounts. The resulting satellite accounts on non-profit institutions pull together a much more comprehensive and reliable picture of the civil society sector, making it possible to gauge its contribution and track its evolution over time. As part of this process, statistical agencies are also called on to estimate the scale and value of the volunteer work these organizations mobilize and to include this in estimates of economic activity.

The State of Global Civil Society and Volunteering: Latest findings from the implementation of the UN Nonprofit Handbook (2013) presents the most recent data resulting from the implementation of the UN Handbook in 16 countries around the world. This report includes data on nonprofit employment, volunteering, fields of activity, contribution to GDP, expenditures, and revenues.

UN Handbook revision underway
The Center is preparing a revision of the UN NPI Handbook in cooperation with the United Nations Statistics Division and an international consultative group of national statistics agencies and civil society experts. The final document, which will be titled the Satellite Account for Nonprofit and Related Institutions and Volunteer Work . is expected to be published in 2017.

The revision will draw on the experiences and lessons-learned from the nearly 25 countries to date that have implemented the Handbook, and will provide additional practical tools and guidance materials to make it more straightforward to implement and to produce comparative data. The revised document will not change the definition of a nonprofit institution; however additional guidance will be included that will permit the extension of the resulting satellite accounts to include a broader conception of the “third sector” that includes at least some of the emerging “social economy” and “social enterprise” entities, as well as some forms of direct volunteering, which have not been included in official statistical procedures up to now.

Four major developments triggered the need for this revision:

  1. The 2008 revision of the System of National Accounts (SNA), which introduced many improvements in the treatment of nonprofit institutions. In particular, the 2008 SNA calls for governments to sub-sector NPIs in the government and corporations accounts and emphasizes the importance of developing satellite accounts on the NPI sector. The revised UN NPI Handbook will thus provide guidance to countries in their efforts to sub-sector NPIs, and will offer more detailed guidance for identifying financial flows to them—including those from government, the market, and households in the form of donations and membership dues.
  • The 2011 publication of the International Labour Organization s Manual on the Measurement of Volunteer Work . The revised UN NPI Handbook will incorporate the guidelines published in the ILO Manual for the measurement of the volunteer contribution to the NPI sector, including the measurement of direct volunteering.
  • The 2008 revision of the International Standard Industrial Classification of All Economic Activities, Rev.4 (ISIC Rev.4), which significantly expanded the number of fields in which NPIs tend to operate. The revised UN NPI Handbook will update the International Classification of Non-Profit Organizations (ICNPO), and will provide tools for classifying organizations in ISIC Rev.4 and for cross-walking ICNPO to ISIC Rev.4. The relationship between ICNPO and other systems, such as the European standard classification system of productive economic activities (NACE ) and the North American Industry Classification System (NAICS ), will also be discussed.
  • The release of the UN Sustainable Development Goals . The revised UN NPI Handbook will provide guidance for countries that wish to go beyond the production of basic estimates on the NPI sector to also measure the output, outcomes, and impact of nonprofit organizations and related third sector organizations—specifically as they relate to achieving the UN Sustainable Development Goals.
  • Growing interest from statisticians, policy makers, social scientists, and private investors in “related” institutional units. Such units can take a variety of organizational forms—such as cooperatives, mutual societies, social enterprises, non-stock, and benefit corporations—as well as not formally organized activities. The revised UN NPI Handbook will draw on the substantial progress made in recent years in developing conceptual frameworks for identifying and reporting on the contribution of these entities. including that developed under the auspices of the European Commission-funded Third Sector Impact Project (TSI ) that aimed to define the scope and gauge the impact of this broader “Third Sector.”
  • For more information, please contact us .

    What will we learn?
    Among the information that satellite accounts produce is data on:

    • The number of civil society organizations, by field.
    • The number of civil society workers, paid and volunteer.
    • The value added by civil society organizations, by field.
    • The value of volunteer contributions, by field.
    • Operating expenditures.
    • Sources of revenue, including philanthropy, fees, and government support, both domestic and cross-national.
    • The size and distribution of foundation grants.

    The remaining challenge
    Because implementation of this Handbook is optional, and because its greatest value can be derived through implementation in the largest possible number of countries, the UNSD authorized the Center to launch a global dissemination, technical assistance, and implementation campaign to ensure effective implementation and create a mechanism to assemble and report the results.

    To date, 33 countries have committed to implementing the Handbook or some version of it. Many of these countries participated in the Comparative Nonprofit Sector Project as well; click the links below to see publications from these countries, including completed satellite accounts where available. Countries considering developing satellite accounts should visit our Project Resources page and contact the staff at our Center for support.


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    Concord University – Acalog ACMS™ #concord #university #online, #concord #university #athens


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    Jul 29, 2017

    2015-2016 Academic Catalog (August 2015-July 2016)

    2015-2016 Academic Catalog (August 2015-July 2016) [ARCHIVED CATALOG]

    2015-2016 Academic Catalog (August 2015-July 2016)


    Concord University is accredited by The Higher Learning Commission of the North Central Association of Colleges and Secondary Schools, 30 North LaSalle Street, Suite 2400 Chicago, IL 60602-2504, 1-800-621-7440, .

    Programmatic accreditations are held with the National Council for the Accreditation of Teacher Education, the Commission on Accreditation of Athletic Training Education, and the Council on Social Work Education. The Teacher Education Program is approved by the West Virginia Department of Education. The University is a member of the National Association of Business Teacher Education.

    The Mission of Concord University

    The mission of Concord University is to provide a quality, liberal arts based education, to foster scholarly activities, and to serve the regional community.

    Concord University provides rigorous programs that prepare students to pursue various career options or graduate study. Concord s undergraduate and graduate programs lead students to assume leadership and professional roles in a multicultural society and prepare students to face the challenges of globalization. Concord is committed to serving a diverse student body including traditional, non-traditional, local, national and international students. While we incorporate a variety of educational approaches, our size and the caring dedication of our faculty, staff and administration are the principal assurances of a quality educational opportunity at Concord University.

    As a learning community, Concord University is committed to furthering knowledge through professional development activities and programs, through research, and through the application, publication and appreciation of scholarly efforts.

    The primary purpose of Concord s mission is academic; however, the service the University provides to the state, region and world goes beyond the classroom. Concord University contributes to the quality of cultural and economic life in southern West Virginia through collaboration with both public and private organizations and agencies and through extension of its support and assistance into the region it serves.

    Ultimately, Concord University measures its success by the fulfillment alumni find in their careers and throughout their lives.

    Educational Goals

    The educational programs of Concord University are designed to foster skills, knowledge, and attitudes applicable across a wide range of academic fields and professional careers in a culturally diverse, perpetually evolving global community.

    • The General Studies Program provides opportunities to begin developing skills needed to address complex issues, to build a foundational knowledge base for lifelong learning, and to cultivate attitudes that promote personal and societal well-being and experiential enrichment.
    • Building on the General Studies program, the baccalaureate degree programs provide opportunities for in-depth study in a student s chosen field(s).
    • Building on selected baccalaureate degree programs, the master s degree programs provide opportunities for highly specialized research and professional development.

    Skills: Proficiency in interpreting data, integrating information, formulating ideas, thinking critically, and communicating with others, as demonstrated by the following competencies:

    1. Effective inter-communication skills and literacy adapted as needed for the demands of various kinds of discourse:
      • listening and speaking
      • reading and writing
      • non-verbal communication
      • media and technological literacy
    2. An ability to employ appropriate observational, logical, analytical, computational, creative, and critical thinking skills in problem solving.
    3. An ability to employ appropriate methods and technologies for conducting empirical and scholarly research, to interpret research findings, and to use insights gained from such research as a basis for informed decision making.
    4. An ability to analyze, synthesize, and integrate elements, information and ideas.
    5. An ability to evaluate elements, information, and ideas on the basis of appropriate criteria.
    6. An ability to apply and to transfer academic and experiential learning appropriately from one context to another.
    7. An ability to learn and work effectively both independently and collaboratively.

    Knowledge: Familiarity with principles underlying academic discourse in various fields, as demonstrated by the following capabilities:

    1. An ability to discern the reciprocal influences of environments, cultural beliefs and attitudes, and societal institutions and practices.
    2. An awareness of the fundamental characteristics and properties of the physical universe.
    3. An ability to interpret events and trends within historical contexts.
    4. Acquaintance with principles underlying languages, for example, linguistic, mathematical, and computer-language systems.
    5. A recognition of the complex interactions between organisms, including human beings, and their environments.
    6. An awareness of the aesthetic principles, methods, materials, and media employed in artistic performance and the creation of works of art and literature.
    7. Self-knowledge, including awareness of one s own competencies, deficiencies, and optimal individual learning-style(s).

    Attitudes: Tendencies conducive to self-knowledge, personal growth and development, and responsible citizenship as demonstrated by the following:

    1. Habitual reflection on ethical/moral implications of actions when weighing decisions and evaluating outcomes.
    2. Exercise of responsible leadership, including leadership by example, and of responsible followership.
    3. Respectful attentiveness to differing perspectives and willingness to engage in dialogue across differences in order to seek mutual understanding and equitable conflict resolution.
    4. Cultivation of and support for attitudes and practices that foster physical, mental, emotional, and social well-being.
    5. Appreciation for the creative process and for the rich diversity of artistic achievement.
    6. Commitment to social responsibility, including community service and civic engagement.
    7. Motivation to pursue lifelong learning and ongoing intellectual growth.


    Concord University faculty have developed programs to assess the academic achievement of the university s students. The assessment program is linked to the university s mission and educational goals. Assessment at Concord has two important roles: institutional quality and accountability. To analyze and improve the quality of Concord s education programs, the University uses various measures to assess student attainment. These assessment measures are used in the continuing evaluation of curricular and instructional decisions which are aimed at improving student learning outcomes. An integral part of the program is the assessment of student learning in the major and the general studies programs. However, Concord strives to involve all educational support areas in the assessment process. All programs assess the learning environment and what changes might be made to maximize the learning experience. Assessment of student learning is ultimately the systematic collection, analysis, and use of information to improve student learning outcomes.

    Amending Information

    While every effort is made to assure accuracy at the time of printing, Concord University reserves the right to delete, change, or amend the information in this Catalog as necessary. It is the student s responsibility to know and comply with current University policies. Licensure and accreditation regulations may require additional non-published admission requirements in some certificate programs, Candidates in these programs should check current admission requirements with the Division office administering these programs.


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    Criminology school #justice,institute,bc,british #columbia,new #west,new #westminster,jibc,ji,public,safety,police,sheriffs,corrections,fire,paramedic,physicians,nurses,health,medical,security,emergency,driver #training,motorcycle,counnselling,aboriginal,leadership,conflict #resolution,courses,programs,certificates,degrees,school,post-secondary #institution



    American Society of Criminology
    This international organization brings together practitioners, academics and students of criminal justice focusing on the “prevention, control and treatment of crime and delinquency”.

    Australian Institute of Criminology
    The Institute aims to provide criminal justice information services, to publish criminal justice information in a variety of formats, and to inform government, the media, and the general public of issues relating to the work of the Institute and the Criminology Research Council. Criminal justice research, publications, conference information, and statistics are just some of what’s available at this impressive site.

    Canadian Criminal Justice Association
    The Canadian Criminal Justice Association is an independent national voluntary organization working for an improved criminal justice system in Canada.

    Center for the Study and Prevention of Violence
    Blueprints for violence prevention, a collection of other violence-related resources on the Web, and access to VioLit (the Violence Literature Database) are the highlights of this site created at the University of Colorado.

    Crime Free Multi-Housing Program
    The Crime Free Multi Housing Program is a Crime Reduction Program designed specifically to help residential owners, managers, employees, police and other agencies to work together.

    Discover Criminal Justice – Criminology Programs
    An database of accredited criminology programs available in the U.S.A.

    Florida Department of Corrections – Criminal Justice Links
    A listing of governmental and non-governmental agencies and organizations in the areas of criminal justice, law enforcement, police, forensics, corrections, and other miscellaneous links. A very comprehensive site from the Florida Department of Corrections.

    Institute for Intergovernmental Research – Criminal Justice Links
    Site organized into categories: National/Federal and State/Local – Florida. From the Institute for Intergovernmental Research (IIR) in Florida, USA. Check out the IIR home page for other IIR projects of note.

    Justice BC – Criminal Justice Information and Support
    B.C. government’s new web-based gateway for British Columbians who want information about the criminal justice system and resources.

    LawCentral Canada
    A portal or collection of links to law-related information and educational resources on justice and legal issues of interest to Canadians.

    National Crime Prevention Council
    NCPC is an American initiative whose Mission is to enable people to create safer and more caring communities by addressing the causes of crime and violence and reducing the opportunities for crime to occur.

    National Criminal Justice Reference Service
    This is definitely the place to start your criminology research as the NCJRS is one of the most extensive sources of information on criminal and juvenile justice in the world. Includes resources on Corrections, Courts, Crime Prevention, Criminal Justice Statistics, Drugs and Crime, International, Juvenile Justice, Law Enforcement, Victims, and more.

    National Institute of Justice (NIJ)
    The National Institute of Justice (NIJ) “is the research, development and evaluation agency of the U.S. Department of Justice and is dedicated to researching crime control and justice issues. NIJ provides objective, independent, evidence-based knowledge and tools to meet the challenges of crime and justice, particularly at the state and local levels.”

    Sourcebook of Criminal Justice Statistics
    The Sourcebook of Criminal Justice Statistics brings together data about all aspects of criminal justice in the United States. Includes tables and figures from several sources. Sourcebook is organized into topical sections including system characteristics, public opinion, offenses known, arrests, judicial processing, and corrections.

    United Nations Office on Drugs and Crime (UNODC)
    The UNODC is a global organization focused upon fighting illegal drugs and international crime by strengthening international action using programs, projects and the exchange of information. Links also included to UN Treaties and Resolutions.

    VERA Institute
    A comprehensive site with links to pages covering all aspects of criminal justice in the United States, including government and legal information. Very up to date.

    Wanted by the FBI
    Features fugitives and missing persons.

    World Criminological Directory
    Published by the United Nations Interregional Crime and Justice Research Institute (UNICRI), The World Criminological Directory covers almost 500 institutes in some 90 countries, including academic institutions, governmental institutes, NGOs, private institutes, and international organizations. The World Criminological Directory covers almost 500 institutes in some 90 countries, including academic institutions, governmental institutes, NGOs, private institutes, and international organizations.

    Centre for Criminology and Sociolegal Studies Library
    The Library provides the leading Canadian research collection of criminological material. Links to the UTCat, the University of Toronto’s online library catalogue; also provides free access to Crimdoc, a unique database of difficult-to-obtain criminal justice grey literature; and Juristat, the primary source of Canadian crime statistics.


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