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Learn how to calculate and interpret the DSCR, a financial metric that measures an entity's ability to pay its debt service obligations. Find out the uses, formulas, and examples of DSCR in corporate, personal, and real estate finance.
A credit score is a numerical expression of a person's creditworthiness based on their credit files. Learn how credit scoring is used and regulated in different countries, such as Australia, Brazil, Canada, China, Denmark, Germany, India, Ireland, Japan, Mexico, New Zealand, Norway, Philippines, Poland, Portugal, Singapore, South Africa, Spain, Sweden, Switzerland, United Kingdom and United ...
Reserve requirement is a central bank regulation that sets the minimum amount of liquid assets a commercial bank must hold. Learn how reserve requirement affects money supply, bank lending, and monetary policy in different countries.
Learn about the different types of loans, such as secured, unsecured, demand, subsidized and concessional, and how they are regulated and enforced by contract. Find out how loans are repaid with monthly payments that vary depending on the interest rate and the loan term.
Learn about the history, types, and impacts of student loans in the US, a form of financial aid for higher education. Find out how student loan debt has grown to $1.73 trillion and how it affects different groups of borrowers.
Learn the meaning and history of debits and credits in double-entry bookkeeping, and how they are used to record changes in value from business transactions. Find out the rules and examples of debits and credits for different types of accounts.
Discover Financial is an American financial services company that offers credit cards, loans, banking and payment systems. Learn about its origins as a Sears subsidiary, its spin-off from Morgan Stanley, its acquisitions of Pulse and Diners Club, and its planned merger with Capital One.
Learn about the origins, evolution and functions of credit cards, one of the most widely used forms of payment across the world. Compare different types of credit cards, such as charge cards, debit cards and smart cards, and their technical specifications and security features.