Test saved and submitted.

Student: TUSHAR BHATT 44981

Test: SECTION -A
Course: Marketing Management (EDL 202) - Semester II (1001_145_958)
Started: 10/30/17 8:45 PM
Submitted: 10/30/17 10:00 PM
Time Used: 1 hour, 15 minutes out of 7 hours

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Monday, October 30, 2017 10:00:28 PM IST

Review Test Submission: SECTION -A

User TUSHAR BHATT 44981
Course Marketing Management (EDL 202) - Semester II
Test SECTION -A
Started 10/30/17 8:45 PM
Submitted 10/30/17 10:00 PM
Status Needs Grading
Attempt Grade not available.
Score
Time 1 hour, 15 minutes out of 7 hours
Elapsed

Instructions Please write in the answer box provided.
Duplicity of answer is prohibited.
Uploading of files, images, web links etc. are not permitted.
The total time allotted for this section is 420 minutes (7 Hours). Once initiated, the
assignment needs to be completed within 7 Hours. The assignment will be auto submitted
after the prescribed time.

Monday, October 30, 2017 10:01:03 PM

QUESTION 1
1. CASE STUDY
Lending institutions are scrutinizing an operations working capital status as part of the lending decision. Now
more than ever, its time to do a little scrutinizing yourself. When I hit the road to speak, one of the most
important slides I regularly use highlights how lending criteria has changed since the financial crisis. To
illustrate that point, the slide includes a quote from Nick Parsons, head of research with the National Australia
Bank: "So capitalism has changedthe owner or the custodian of capital [i.e. lending institutions] is much more
careful about where they use that capital.To that end, most readers have likely experienced increased scrutiny
from their lenders in this post-crisis world. And one of the key criteria that lenders use to make decisions
revolves around availability of working capital within any operation; working capital being a function of current
assets less current liabilities. Its a measure of an operations buffer to meet its short-term obligations, hence the
importance to lenders. Perhaps equally important, its a key indicator of cash reserve availability to meet
unexpected emergencies. Thus, it is an important component of risk management to ensure business continuity
within the operation without the need to borrow additional funds. As an example, albeit simplified, a pickup is
typically a critical operational asset for most cow-calf operations. What if it catches on fire and suddenly needs
to be replaced, else the cows dont get fed? After insurance provides some portion towards replacement, does
the operation have sufficient working capital to meet the remainder of the obligation? This type of assessment
has become more important to lenders since the financial crisis.This weeks graph highlights USDAs updated
aggregate working capital estimates in agriculture. Clearly, as last weeks illustration depicts, declining revenue
has taken a big hit out of working capital reserves for agriculture. Working capital has declined nearly 50% - the
loss exceeds $82 billion in just three years. Thats a concerning trend and if it continues, will clearly have
implications in the coming years.What are you doing to maintain strong cash and working capital reserves
 amidst declining revenue? What new expectations do you your lenders have during the past several years and
going into 2017? How will you adjust going forward? Leave your thoughts in the comments section below.
Q1. Provide the brief summary of the case in your own words?

Path: p

Words:0

10 points
QUESTION 2
1. Q2. What new expectations do your lenders have during the past several years and going into future?

Path: p

Words:0

10 points
QUESTION 3
1. Q3.What new expectations do your lenders have during the past several years and going into future?

Path: p

Words:0

The case is regarding the importance of Working Capital in the business. one of the key criteria that
lenders use to make decisions revolves around availability of working capital within any operation;
working capital being a function of current assets less current liabilities. Its a measure of an
operations buffer to meet its short-term obligations, hence the importance to lenders. Those
who plan for working capital, have a good business in all situations. In today's world, as working
capital is getting reduced by huge extent, it will have implications in coming year. The owner or the
custodian of capital [i.e. lending institutions] is much more careful about where they use that capital..
Lenders expect to maximise their working capital which can be helpful in need.Increased scrutiny
from the lenders in this post-crisis world and one of the key criteria that lenders use to make decisions
revolves around availability of working capital within any operation;( working capital being a function
of current assets less current liabilities) as Its a measure of an operations buffer to meet its short-
term obligations, hence the importance to lenders. Perhaps equally important, its a key indicator of
cash reserve availability to meet unexpected emergencies. Thus, it is an important component of risk
management to ensure business continuity within the operation without the need to borrow additional
funds.

The lenders have used to make decisions revolves around availability of working capital within any
operation as a part of risk management; Its a measure of an operations buffer to meet its short-term
obligations, hence the importance to lenders. Perhaps equally important, its a key indicator of cash
reserve availability to meet unexpected emergencies. Thus, it is an important component to ensure
business continuity within the operation without the need to borrow additional funds. As an example,
albeit simplified, a pickup is typically a critical operational asset for most cow-calf operations. What if it
catches on fire and suddenly needs to be replaced, else the cows dont get fed? After insurance
provides some portion towards replacement, does the operation have sufficient working capital to
meet the remainder of the obligation? This type of assessment has become more important to lenders
since the financial crisis

Test saved and submitted.

Student: TUSHAR BHATT 44981

Test: SECTION-B
Course: Financial Management (EDL 203) - Semester II (1001_145_959)
Started: 10/30/17 10:02 PM
Submitted: 10/30/17 10:36 PM
Time Used: 34 minutes out of 7 hours

Click OK to review results.

Monday, October 30, 2017 10:36:49 PM IST

User TUSHAR BHATT 44981

Course Financial Management (EDL 203) - Semester II
Test SECTION-B
Started 10/30/17 10:02 PM
Submitted 10/30/17 10:36 PM
Status Needs Grading
Attempt Grade not available.
Score
Time 34 minutes out of 7 hours
Elapsed

Instructions Please write in the answer box provided.
Duplicity of answer is prohibited.
Uploading of files, images, web links etc. are not permitted.
The total time allotted for this section is 420 minutes (7 Hours). Once initiated, the
assignment needs to be completed within 7 Hours. The assignment will be auto submitted
after the prescribed time.

Monday, October 30, 2017 10:37:11 PM IST