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1.Simple interest is a quick method of calculating the interest charge on a loan. Simple interest is determined by multiplying the daily interest rate by the principal by the number of days that elapse between payments
2.the slow economy shut down will make private venture pay mineral premium and win less benefit

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Hasliana Binti Siramin BG16160697 (HE19)

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Hasliana Binti Siramin BG16160697 (HE19)

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1. Simple interest is the which is calculated only on the principal amount and a method of calculating the interest in the charge on the loan.
2. The slow economy will make small businesses pay more interest and earn less profit

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1. Simple interest note is a method to calculate the interest charge on loan. Simple discount note has the loan interest deducted in advance. This means that the face value is equal to maturity value and the borrower receives the proceeds of the loans.
2. The impact of small business borrowing while faced the slow economy. First, the consumers become concerned about their job stability. Next, many small business being forced  to downsize their workforce.

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1. Simple interest is a way to calculate the interest charge on a loan. It is determined by multiplying the daily interest rate by the principal by the number of days that pass between the payments.
2. Economy growth is important for the world. The reduction state of the economy can cause a huge loss of profit to a firm and also the country they are aiming to make more profit. This will also give hard choice to some business firms to borrow money from bank to expand their business because of less money.

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1. Simple interest note. Defined as interest computed only on the principal. Interest that only paid on principal. Method of calculating the interest in the charge on the loan.

2. Economy state reduction will cause a problem that threatened the company and the state of capital they had which cause the profits slowdown.

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1.      A simple interest note is defined as interest computed only on the principal and  not on principal plus interest earned or incurred in the previous period. A simple discount note is defined as a short term obligation sold at a discount on its par value in lieu of paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.
2.      During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1. A basic interest note may be a fast system for figuring those premium accuse ahead an advance. Straightforward investment note will be ascertained on the unique central for those whole period it may be acquired alternately contributed. It will be the item for central increased by the rate Also duration of the time. Then the straightforward markdown note need the advance investment deducted ahead of time. This implies that the face esteem is equivalent to the development esteem and the borrpwer receives the returns of the advance.
2. Throughout economy log jam little business face test of getting credit from the bank. An little benefit stream camwood make it troublesome should little benefits of the business with reimburse of the lenders. This increments their investment accuse.

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Muhamad zulkifli bin jamin bg16110621 he21

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Muhamad zulkifli bin jamin bg16110621 he21

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1.  Simple interest refers to interest that is only paid on principal. Simple discount refers to the amount that is deducted from the amount of the loan.

2.  During an economic slowdown, bank will raise up the borrowing interest to reduce amount of money and reduce number of borrowers from the bank.this will affect small business borrower cannot borrow money from bank to start business.

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Puteri Arnidah Binti Arpah HE20 BG16110586

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Puteri Arnidah Binti Arpah HE20 BG16110586

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1.Simple interest is the which is calculated only on the principal amount and a method of calculating the interest in the charge on the loan.
2. During economic decrease, it become trouble to small business making profit. This will make them hard to pay their liabilities. Finally, their interest charge will be increases.

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1. A simple interest note is a quick method of calculating the interest charge on a loan. Simple interest note is calculated on the original principal for the entire period it is borrowed or invested. It is the product of principal multiplied by the rate and time. Meanwhile, the simple discount note has the loan interest deducted in advance. This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan.

2. The impact of small business borrowing while faced the slow economy is the small business need to pay more interest for their borrowing and also will decrease the profit of small business.

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MOHAMMAD HENDRA MARWAN BIN AIDI BG16110150

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MOHAMMAD HENDRA MARWAN BIN AIDI BG16110150

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NURUL FATIHAH BINTI MAZLAN BG16110436 HE20

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NURUL FATIHAH BINTI MAZLAN BG16110436 HE20

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1) A simple interest note is a quick method of calculate the interest change on a loan. Simple interest note is determined  by multiplying the daily interest rate by the principal by the number of days that elapse between payment. Simple discount note also can be define as a debt security with a maturity of one year or less issued at a discount to its face value
2) the impact of slow economy on small business borrowing will cause slow profit stream. it can make it difficult for a small business to repay the creditors.

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1. A simple interest note is defined as interest earned or incurred in the previous period. A simple discount note is defined as a short-term obligation sold at a discount on its par value in paying interest. basically, simple discount notes are a financial instrument that is usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.
2. when the economy is slow it will cause the small business will get less profit and that will make them hard to pay a debt. They will need to pay higher interest on the money they borrow.

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1) A simple interest note is a note that record the interest that is applied to the amount borrowed or invested for the entire duration of the loan without any changes. Simple discount note can be define as a debt security with a maturity of one year or less issued at a discount to its face value.
2) In my opinion, the slow economy can make the small business face with profit gain problem. When the slow economy occur, the customer started to limit their purchasing and budget. The customers buy less and the small business type company will facing slow profits gain in that period. Thus, the small business maybe will facing bankruptcy if the economy condition always maintain poor state.

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Mohd Syazrin Bin Mat Said BG16110123 HE20

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Mohd Syazrin Bin Mat Said BG16110123 HE20

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1. A simple interest note is define as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period. A simple discount note is a short term obligation sold at a discount on its par value in the interest.

2. During an economic slowdown, small business is borrowing. Slow economy will effect to the borrowing because the bank will increase the interest rate to the borrower. This will make small business to decreases the revenue which can negatively impact its long term liability because they need to repay creditors. Small business couldn't rise capital in form of loan to manage their business due to pending payment and lead the small business to downsize their workforce.

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MOHD ZUL AFFANDY BIN ADI BG16110362 HE20

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MOHD ZUL AFFANDY BIN ADI BG16110362 HE20

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A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount,the formula is D= s * d * t

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1. A simple interest note requires the borrower to pay back the maturity value which is the face value plus interest meanwhile a simple discount note has the loan interest deducted in advance.

2. When the economic slowdown, the impact for small businesses is consumers will become concerned about their job stability which leads to decreased revenue for small business owners. Next, it also leads to the difficulty to repay creditors. The small business will struggle far less likely to qualify for loans for capital expenditures and operations which limits growth opportunities. They will also be forced to downsize their workforce during a slow economy.

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MOHD ZUL AFFANDY BIN ADI BG16110362 HE20

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MOHD ZUL AFFANDY BIN ADI BG16110362 HE20

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What are the differences between simple interest note and a simple discount note ?
A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount,
the formula is D= s * d * t

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1. A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount, the formula is D= s * d * t.

2. The impact of small business borrowing while faced the slow economy is the small business need to pay more interest for their borrowing and also will decrease the profit of small business.

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BG16110446 MOHD IZWAN BIN MOHD NASIR HE21

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BG16110446 MOHD IZWAN BIN MOHD NASIR HE21

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1. Simple interest refers to interest that is only paid on principal. Simple discount refers to the amount that is deducted from the amount of the loan. Simple interest is interest that is compounded solely on what was originally owed. Compound interest is interest that is compounded on what what was originally owed plus any interest left over.
2. The impact of slow economy on small business borrowing will cause slow profit stream that make it difficult for small business to repay creditors which can negatively impacts its long-term viability.

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1. The difference between the simple interest note and the simple discount note is  simple interest note defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous periods. A simple discount note is defined as a short term

obligation sold at a discount on its par value in lieu of paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount.

2. The impact of a slow economic on small business borrowing is slow profit stream. Slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term liability.

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1. Simple interest note also called an undiscounted note, which is interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period. Simple discount note is the amount of money the borrower has use of for the length of the loan, and the maturity value of the loan. Interest is paid on the same amount for the same period of time in both cases. In the simple interest note, the borrower has use of the full principal of the loan, but the maturity value is principal plus interest. In the simple discount note, the borrower has use of only the proceeds (face value − discount), but the maturity value is just the face value, as the interest (the discount) was paid “in advance.”
2. During an economic slowdown, a slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities.

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BG16110629 MOHAMMAD YUSRI BIN UTOH (HE21

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BG16110629 MOHAMMAD YUSRI BIN UTOH (HE21

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simple interest is a quick method of calculating the interest charges on a loan. simple interest is determined by multiplying the daily interest rate by the principal bt the number of days that elapse between payments.
simple interest = P x I x N

this type of interest usually applies to outomobiles loans or short-term loans, although some mortgages use this calculation method.

negatively, a loan with a payment structure that allows for a schedule payment to be made where it is less than the interest charge on the loan at the time the schedule payment is made. when the payment is made which is less than the interest charge at the time, diferred interest created ia added to the principal balance of the loan, leading to a situation where the principal owed increases over time instead of decreases.

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BG16110545 KRISTIE CELESTINE LIONG (HE20)

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BG16110545 KRISTIE CELESTINE LIONG (HE20)

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1The difference between the simple interest note and the simple discount note is the amount of money the borrower has used for the length of the loan, and the maturity value of the loan-amount owed at the end of the loan term. Interest is paid on the same amount for the same period of time in both cases. In simple interest note, the borrower has used the full principal of the loan, but the maturity value is principal plus interest. In simple discount note , the borrower has used only the proceeds(face value − discount), but the maturity value is just the face value, as the interest (the discount) was paid in advance.

2. A slow economy can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities.

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BG16110079 NURFARAHIN ATIQAH BINTI JAIS (HE20)

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BG16110079 NURFARAHIN ATIQAH BINTI JAIS (HE20)

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1. Discount rates and interest rates are both rates that are paid and received for borrowing or saving money. There are 2 meanings to the word discount rate, and it may either refer to the rate that is used by firms to calculate the present values of future cash flows, or the rate that is charged by the central banks for overnight loans taken out by depository institutions. Interest rates, on the other hand, refer to the rates that bank charge when loans are provided and the rates that are paid to individuals who deposit and maintain savings. Interest rates are determined by the forces of demand and supply and are regulated by the central bank. Deposit rates (overnight fund rates) are determined by the central bank by taking a number of factors into consideration.

2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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BG16110348 STEVE PATRICK ANAK LUKAS (HE20)

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BG16110348 STEVE PATRICK ANAK LUKAS (HE20)

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1. A simple interest note is an interest computed only on the principal while a simple discount note is a short term obligation sold at a discount on its par value in paying interest.

2. The impact of slow economy on small business borrowing which can negatively impacts its long-term viability as slow profit stream make it difficult for small business to repay creditors.

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1. The simple interest note is about when you borrow money,you want to pay simple interest.Simple interest is when you only pay interest on the amount you borrow on maturity value. simple discount note defines the loan deducted in advance.
2. During economy slow down, small business face challenge of borrowing loan from bank. A small profit stream can make it difficult to small business to repay the creditors. this increases their interest charge.

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NABILAH BINTI MASAID DUA BG16160684 (HE20

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NABILAH BINTI MASAID DUA BG16160684 (HE20

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1. A simple interest note requires the borrower to pay back the maturity value which is the face value plus interest. The simple discount note has the loan interest deducted in advance. This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The proceeds of a loan or promissory note refers to the amount of money that the borrower receives. The bank discount is the interest that the bank deducts in advance from the face value of the note. The formula:

(Simple Interest Note
Interest)
- Maturuty Value
I = Face Value(Principal) x R x T
- Proceeds
MV = Face Value + Interest
- Effective Rate
Proceeds = Face Value
Rate =  Interest
Proceeds x Time

(Simple Discount Note
Interest)
- Maturity Value
I = Face Value(Principal) x R x T
- Proceeds
MV = Face Value
- Effective Rate
Proceeds = MV - Bank Discount
Rate =  Interest
Proceeds x Time

2. During an economic slow down, small business is borrowing slow economy will effect to the borrowing because the bank will increase the interest rate to the borrower. This will make small business to decreases the revenue which can negative impact its long term liability because they need to repair creditors. Small business couldn’t rise capital in form of loan to manage their business due to pending payment and lead the small business to downsize their workforce.

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TENGKU NOORHAZMIRA BINTI TENGKU ABDUL HALIM BG16110551 (HE20)

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TENGKU NOORHAZMIRA BINTI TENGKU ABDUL HALIM BG16110551 (HE20)

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1.       Discount Rate means the minimum rate of return to be paid by recipient of financing facilities from state bank of Pakistan for meeting temporary liquidity shortage. In simple words it is the rate that is used to discount the bill or receivable of the party.

Whereas Interest Rate means A rate which is charged or paid for the use of money. An interest rate is often expressed as an annual percentage of the principal. It is calculated by dividing the amount of interest by the amount of principal. Interest rates often change as a result of inflation and Federal Reserve Policies. Normally the term used for lease and borrowing is interest rate rather than discount rate.

2.       Impact of a slow economy on small business borrowing is small business will have financial problem in which difficulty of gaining profit and will not able to pay their debt to the creditors.

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1. The difference between the simple interest note and the simple discount note is  simple interest note defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous periods. A simple discount note is defined as a short term

obligation sold at a discount on its par value in lieu of paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount.

2. The impact of a slow economic on small business borrowing is slow profit stream. Slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term liability.

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Let’s compare the formulas and terms involved in the simple interest note and the simple discount note.Simple Interest NoteSimple Discount NoteInterestI = Face Value(Principal) x R x TMaturity ValueMV = Face Value + InterestProceeds Proceeds = Face ValueEffective Rate Rate =        Interest                   Proceeds x TimeInterestI = Face Value(Principal) x R x TMaturity ValueMV = Face ValueProceedsProceeds = MV - Bank DiscountEffective Rate Rate =        Interest                      Proceeds x TimeNow, let’s use an example to compare the terms of the simple interest note and the simple discount note.

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Let’s compare the formulas and terms involved in the simple interest note and the simple discount note.Simple Interest NoteSimple Discount NoteInterestI = Face Value(Principal) x R x TMaturity ValueMV = Face Value + InterestProceeds Proceeds = Face ValueEffective Rate Rate =        Interest                   Proceeds x TimeInterestI = Face Value(Principal) x R x TMaturity ValueMV = Face ValueProceedsProceeds = MV - Bank DiscountEffective Rate Rate =        Interest                      Proceeds x TimeNow, let’s use an example to compare the terms of the simple interest note and the simple discount note.

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1. The difference between the simple interest note and the simple discount note is the maturity value of the loan and the amount of money the borrower use for the ength of the loan. Interest is paid on the same amount for the same period of time in both cases.
2. When economy slow down it leads to decrease revenue for a small business because consumers become concern about their job stability and salary. A slow profit stream can make it difficult for a small business to repay creditors.

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1.Simple interest is the which is calculated only on the principal amount and a method of calculating the interest in the charge on the loan.
2. During economic decrease, it become trouble to small business making profit. This will make them hard to pay their liabilities. Finally, their interest charge will be increases.

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BG16110582 NUR ALIA SHAFIRA BINTI ALI (HE20)

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BG16110582 NUR ALIA SHAFIRA BINTI ALI (HE20)

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1. Simple interest is amount that borrower need to pay back its Maturity value which is the sum of interest and principle
the formula are
I= PxRxT
MV=P+I
where P is Principal, R is the Rate and T is the time

meanwhile, the simple discount notes is the short term obligation , sold at a discount on its par value in the interest
where
Proceeds= Mv-Bank Discount
Bank Discount= s x d x t
2. when the economy slow down, the interest will rise up. so it it difficult for a small company to earns profit and pays their liabilities

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JAMUNAA A/P SUBRAMANIAM BG16110355 (HE21)

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JAMUNAA A/P SUBRAMANIAM BG16110355 (HE21)

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1. Simple interest note is basic intrigue is a speedy technique for ascertaining the intrigue charge on a credit. Basic intrigue is controlled by increasing the day by day financing cost by the main by the quantity of days that pass between installments. Discount interest note is a fleeting obligation commitment issued at a rebate to standard. Rebate notes are like zero-coupon securities and Treasury charges and are regularly issued by government-supported organizations or exceptionally evaluated corporate borrowers. Markdown notes don't make premium installments; rather the security is developed at a standard incentive over the price tag, and the value gratefulness is utilized to figure the venture's yield.

2. Numerous independent companies work on a firmly controlled income since they don't commonly have substantial money assets accessible to them. As the cash comes in, it goes out; if an installment from a client is late, it puts the whole cycle in risk. In a subsidence, clients may defer buys or installments for longer than common, regularly in light of the fact  that they are sitting tight for money to arrive themselves. This causes a chain response of postponed installments starting with one seller then onto the next, which normally backs off all parts of business. Decreased accessibility of credit makes this incomprehensible for private ventures to overcome by acquiring.

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RADIKA FIADI BINTI OREFIADI BG16110300 HE20

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RADIKA FIADI BINTI OREFIADI BG16110300 HE20

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1. A simple interest note is amount that borrower need to pay back the maturity value which is principal plus interest. While, a simple discount rate is a amount of interest that already deducted in advance. Means, principal equal to maturity value and borrower receive proceed of loan.
2. The impact of small business during a slow economy is owner of business are concerned about their job stability because it is difficult for a small business to repay creditors and have negative impact for long term. Many small business forced to downsize their workforce during slow economy, includes their ability to serve customers and contributes unemployment rate.

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NUR INTAN SHAFINAZ BINTI MOHAMED ESOOF, BG16110453 (HE21)

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NUR INTAN SHAFINAZ BINTI MOHAMED ESOOF, BG16110453 (HE21)

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TENGKU FARIZA ALIANATASYA BINTI TENGKU ZAINAL ABIDIN, BG16110307 (HE23)

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TENGKU FARIZA ALIANATASYA BINTI TENGKU ZAINAL ABIDIN, BG16110307 (HE23)

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1. A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous period. While, a simple discount note is defined as a short term obligation sold at a discount on its value of paying interest. Basically, it is financial instrument that usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.
2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make a difficult to repay creditors. A business facing financial struggles, which limits growth opportunities. They also forced to downsize their workforce during a slow economy, which furthers slow the economy.

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NUR FATIN AFRINA BT MOHD RIDZUAN BG16110112 (HE20)

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NUR FATIN AFRINA BT MOHD RIDZUAN BG16110112 (HE20)

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1. The difference between the simple interest note and simple discount note is simple interest note used to compute only principle value not principle plus interest earned. A simple discount note is short-term obligation sold at a discount on its par value in the interest.

2. The impact of a slow economy on small business borrowing is it will be troublesome for small business to make profit. A slow profit stream can make it difficult for small business to pay their liabilities. The interest charge will also increase when the economy slow.

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1.simple discount note are money related instrument that are typically sold at markdown or the sum has decreased and do exclude any kind of ensured financing cost that will be paid upon development while simple interest notes where premium figured just on the central and not on key in addition to premium earned or brought about in the past period.

2.During an economic slowdown,, numerous private companies confront various difficulties. Customers wind up plainly worried about their occupation soundness and more prone to be wary of consumptions, which prompts diminished income for entrepreneurs. A business confronting money related battles is far less inclined to meet all requirements for credits for capital consumptions and operations, which limits development openings. Numerous small companies likewise are compelled to scale back their workforce amid a moderate economy. This restricts their capacity to serve clients and adds to the unemployment rate, which assists moderates the economy.

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1,A simple interest note is a quick method of calculating the interest charge on a loan. The simple interest formula is often abbreviated in this form:

Interest

I = P*R *T

Maturity Value

MV=P+I

Proceeds

Proceeds=p

and A simple discount is the amount of money a bank is willing to lose or convey to a customer to get their business. The simple discount formula is often abbreviated in this form:

Interest

I=P*R*T

Maturity Value

MY=P

Proceeds

Proceeds=MV-Bank discount

2,The slow economy will make small businesses pay more interest and earn less profit

# data[].attributes.body
1. A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount, the formula is D= s * d * t.

2. The impact of small business borrowing while faced the slow economy is the small business need to pay more interest for their borrowing and also will decrease the profit of small business.

# data[].attributes.headline
BG16110178 SITI NUR ATHIRAH ZORAZILI HE20

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BG16110178 SITI NUR ATHIRAH ZORAZILI HE20

# data[].attributes.body
1. The difference between the simple interest note are simple interest note which is also called an undiscounted note and the simple discount note is the amount of money the borrower has use of for the

length of the loan, and the maturity value of the loan and the amount owed at the end of the loan term. Interest is paid on the same amount for the same period of time in both cases. In the simple interest note, the borrower has use of the full principal of the loan, but the

maturity value is principal plus interest. In the simple discount note, the borrower has use of only the proceeds (face value − discount), but the maturity value is just the face value, as

the interest (the discount) was paid “in advance.”

2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

# data[].attributes.body
1.A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous period. A simple discount note is defined as a short-term

obligation (promissory note) sold at a discount on its par value in lieu of paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity.
2.During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy.

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1. The simple interest note is about when you borrow money, you want to pay simple interest. Simple interest is when you only pay interest on the amount you borrow on maturity value. Simple discount note defines the loan deducted in advance.

2. The impact slow economy of slow business is the small business will get more challenges. The small business claims slow profit make difficult to repay creditors impact negatively on long-term viability. A business faces strong struggle is far less likely in loans for capital expenditures and operations.

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VILASINI RAWICHANDRAN  BG16110452 (HE21)

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VILASINI RAWICHANDRAN  BG16110452 (HE21)

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1.  A simple interest note is a quick method of calculating the interest charge on a loan. Simple interest note is calculated on the original principal for the entire period it is borrowed or invested. It is the product of principal multiplied by the rate and time. Meanwhile, the simple discount note has the loan interest deducted in advance. This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan.

2.  During economy slow down small business face challenge of borrowing loan from the bank. A small profit stream can make it difficult to small business to repay to the creditors. This increases their interest charge.

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1.  Simple interest refers to interest that is only paid on principal. Simple discount refers to the amount that is deducted from the amount of the loan.

2.  During an economic slowdown, bank will raise up the borrowing interest to reduce amount of money and reduce number of borrowers from the bank.this will affect small business borrower cannot borrow money from bank to start business.

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1. A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount, the formula is D= s * d * t.

2. The impact of small business borrowing while faced the slow economy is the small business need to pay more interest for their borrowing and also will decrease the profit of small business.

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BG16160685 CLEARANCE NG KHAI SIANG (HE20)

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BG16160685 CLEARANCE NG KHAI SIANG (HE20)

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1. A simple interest note is a note that need to add interest based on the money borrowed which is add only principal. A simple discount note is a note that already minus the interest which borrower will receive reduced in amount. The difference between simple interest note and simple discount note is that borrower will receive the exact amount they want to borrow in simple interest note while in simple discount note the borrower receive lesser amount of money because the lender already minus the interest from the note in advance.

2. When slow economy occurs, the small business will face trouble.This is because the profit they gain will decrease compare to before due to the decrease in the spending of the consumers. Thus, small business have to downsize their workforce to avoid loss.

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MOHD FAIZ BIN SARAWALIH BG16160666 (HE21)

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MOHD FAIZ BIN SARAWALIH BG16160666 (HE21)

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1. The simple interest note is about when you borrow money, you want to pay simple interest. Simple interest is when you only pay interest on the amount you borrow on maturity value. Simple discount note define the loan deducted in advance.

2. The impact slow economy of slow business is the small business will get more challenges. The small business claim slow profit make difficult to repay creditors impact negatively to long-term viability. A business faces strong struggle is far less likely in loans for capital expenditures and operations.

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1. What are the differences between a simple interest note and a simple discount note?

Simple interest note means note in which the interest on the face value of the loan is added to the loan and paid at maturity Simple interest note which create new functions. Simple discount note means note in which the interest is deducted in advance from the amount of a loan before giving the balance to the borrower Simple discount note from the interest.

2. Discuss the impact of a slow economy on small business borrowing.

The effect of small business acquiring while confronted the moderate economy is that the small business need to pay more interest  for their income and furthermore will reduced the benefit of the small business

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BG16160647 LOGA NAYAGE KATHIRESAN (HE20)

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BG16160647 LOGA NAYAGE KATHIRESAN (HE20)

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1.A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short-term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount, the formula is D= s * d * t
2.During an economic slowdown, numerous private companies confront various difficulties. Customers end up plainly worried about their employment soundness and, thusly, will probably be mindful of uses, which prompts diminished income for entrepreneurs. A moderate benefit stream can make it troublesome for a private company to reimburse lenders, which can contrarily affect its long haul feasibility. A business confronting budgetary battles is far less inclined to meet all requirements for advances for capital consumptions and operations, which limits development openings. Numerous independent ventures additionally are compelled to scale down their workforce amid a moderate economy. This restricts their capacity to serve clients and adds to the unemployment rate, which encourages moderates the economy.

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BG16110568 SUZIENNE BINTI ROSIKAN ( HE20 )

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BG16110568 SUZIENNE BINTI ROSIKAN ( HE20 )

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1. A simple interest note is define as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period. A simple discount note is a short term obligation sold at a discount on its par value in the interest.

2. During an economic slowdown, small business is borrowing. Slow economy will effect to the borrowing because the bank will increase the interest rate to the borrower. This will make small business to decreases the revenue which can negatively impact its long term liability because they need to repay creditors. Small business couldn't rise capital in form of loan to manage their business due to pending payment and lead the small business to downsize their workforce.

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1.  Simple interest note is the  amount of money the borrower has use  for the  loan and Interest is paid on the same amount for the same period of time in both cases. Simple discount note is for the borrower has use of only the proceeds and maturity value is just the face value, as the interest  was paid advanced.

2.  When the economic became slow, many small business will faced a trouble. The profit from their business will decrease and the interest for the borrowing will increase.

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1.The difference between the simple interest note and simple discount note is simple interest only use to compute principle value not principle plus earned.A simple discount note is short-term obligation sold at a discount on its par value in the interest.

2.During an economic slowdown, bank will raise up the borrowing interest to reduce amount of money and reduce number of borrowers from the bank.this will affect small business borrower cannot borrow money from bank to start business.

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1. The difference between the simple interest note and the simple discount note is the amount of money the borrower has used for the length of the loan, and the maturity value of the loan-amount owed at the end of the loan term. Interest is paid on the same amount for the same period of time in both cases. In simple interest note, the borrower has used the full principal of the loan, but the maturity value is principal plus interest. In simple discount note , the borrower has used only the proceeds(face value − discount), but the maturity value is just the face value, as the interest (the discount) was paid in advance.

2. A slow economy can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities.

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1. Simple interest note is calculated on the original principal for the entire period it is borrowed or invested. It is the product of the pincipal multiplied by the rate and time. Meanwhile, imple discount note is defined as a short term obligation sold at a discount on its par value in the interest.

2. The impact of a slow economy on a small business borrowing is consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1.  Simple interest refers to interest that is only paid on principal. Simple discount refers to the amount that is deducted from the amount of the loan.

2.  Economic conditions impact all businesses, though small businesses often feel the effect of economic changes faster than their larger counterparts.  During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1. Simple interest is a quick method of calculating the interest charge on a loan. Simple interest is determined by multiplying the daily interest rate by the principal by the number of days that elapse between payments.The simple discount note has the loan interest deducted in advance. This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The proceeds of a loan or promissory note refers to the amount of money that the borrower receives.

2.  During an economic slowdown, small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1. A basic premium note is characterized as premium figured just on the important and (dissimilar to accumulated dividends) not on main in addition to premium earned or brought about in the past period(s) (Business Dictionary 2015). A basic markdown note is characterized as a transient commitment (promissory note) sold at a rebate on its standard incentive in lieu of paying interest (Business Dictionary 2015). Essentially, basic markdown notes are monetary instruments that are generally sold at a rebate (lessened sum) and do exclude any kind of ensured financing cost that will be paid upon development. To make sense of a bank markdown, the equation is D= s * d * t

2. Amid a monetary lull, numerous independent companies confront various difficulties. Customers end up noticeably worried about their occupation dependability and, thusly, will probably be mindful of consumptions, which prompts diminished income for entrepreneurs. A moderate benefit stream can make it troublesome for a private venture to reimburse loan bosses, which can contrarily affect its long haul suitability. A business confronting monetary battles is far less inclined to meet all requirements for credits for capital uses and operations, which limits development openings. Numerous independent ventures additionally are compelled to scale down their workforce amid a moderate economy. This restrains their capacity to serve clients and adds to the unemployment rate, which facilitates moderates the economy.

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1)    Simple interest is a quick method of calculating the interest charge on a loan. Simple interest is determined by multiplying the daily interest rate by the principal by the number of days that elapse between payments.The simple discount note has the loan interest deducted in advance. This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The proceeds of a loan or promissory note refers to the amount of money that the borrower receives.

2)    the effect of small company acquiring are private company need to pay more enthusiasm to their loan and hard to pay back it which will affect its long term liability.

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BG16160665 MASLINA BINTI MOHAMAD ALI HE21

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BG16160665 MASLINA BINTI MOHAMAD ALI HE21

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1.A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous periods.A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in  paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and it do not include any type of guaranteed interest rate that will be paid upon maturity.

2.During an economic slowdown, many small businesses may face a number of challenges.Furthermore,consumers would become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners.Many small businesses also are forced to downsize their workforce during a slow economy.Therefore,this limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1.A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous periods. A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest. In short, simple discount notes are financial instruments that are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.

2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1. A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period. A simple discount note is defined as a short-term obligation (promissory note) sold at a discount on its par value in lieu of paying interest(Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount,the formula is D= s * d * t

2. During economy slow down, numerous private companies confront various difficulties. Customers end up noticeably worried about their occupation dependability and,  will probably be careful of uses, which prompts diminished income for entrepreneurs. A moderate benefit stream can make it troublesome for an independent company to reimburse leasers, which can contrarily affect its long haul reasonability.

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1. Simple interest note is the amount of interest computed only on the principal while simple discount note is the amount of interest that are deducted in advance. A simple interest note is where the borrower has to pay back the maturity value while a simple discount note is where the borrower receives proceed of the loan.

2. Small businesses tend to have a harder time surviving in an economic slow down rather than large firms. There will be a decreasing in revenue which can make it difficult for the small firms to repay the creditors due to the slow profit stream. This probably will give a negative impact on the firm's long-term viability. During the slow economy, these small businesses are forced to eliminate some of their workforce. This, in fact, will limit their ability to serve their customers and lead to unemployment rate which furthers slows down the economy.

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1.  This means that the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The proceeds of a loan or promissory note refers to the amount of money that the borrower receives. The bank discount is the interest that the bank deducts in advance from the face value of the note.
(a)Simple Interest Note
Interest
I = Face Value(Principal) x R x T
Maturity Value
MV = Face Value + Interest
Proceeds
Proceeds = Face Value
(b)Simple Discount Note
Interest
I = Face Value(Principal) x R x T
Maturity Value
MV = Face Value
Proceeds
Proceeds = MV - Bank Discount

2. During an economic slowdown, small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1.     The simple interest note is mean that someone borrows the money amount will be charged in interest and at the maturity date, they will be paid back the principal or the face value of the loan plus the interest.

2.       If an economy slows down, on a small business will face a financial problem and also will face borrowing problem because they will only have a small chance to qualify for a loan for capital and operating expenditure, which limits growth opportunities.

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1. Simple interest note is the only on the principal and a simple discount note is a short-term obligation sold at a discount on it per value in the interest.
2. Small business will face a problem when the economy slowdown. They will facing to making profit. This is because when the economy slow down, these will let them hard to pay their liabilities. Then they will increase their interest

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BG16110609  SHAMSUL IKMAL TUNG KAH CHUN  (HE21)

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BG16110609  SHAMSUL IKMAL TUNG KAH CHUN  (HE21)

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1. Simple discount note is the total amount due at the end of the loan, or the maturity value is the sum of the face value and interest. As for simple interest note, it is also refers to as promissory note, legal note in which a person agrees to pay a certain amount of money at a stated time and another interest rate to another person.

2. Small businesses are a source of economic strength to the nation; they provide economic opportunities to diverse groups of people and bring innovative products and services to the marketplace. Their success depends upon their access to credit, and they rely heavily on depository institutions for their financial needs. When economy slowdown, this will only give them more troubles in gaining more profits and expose to financial problems. Hence, small businesses won’t be able to maximize their performance.

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BG16110459  TIONG LI MEI HIPONIA  (HE21)

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BG16110459  TIONG LI MEI HIPONIA  (HE21)

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1. A simple discount note refers a loan made by a bank at a simple interest with interest collected at the time the load is made. While a simple interest note is a legal note in which an individual agrees to make payment upon a certain amount at a stated time with another interest rate.

2. During an economic slowdown, small businesses will face a number of challenges. A slow profit stream can make it difficult for small business to repay creditors. Many small businesses also are forced to downsize their workforce during a slow economy. This will limit their abilities to serve customers and contributes to the unemployment rate, which will furthers slows the economy.

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1. What are the differences between a simple interest note and a simple discount note?

A simple interest note is an interest when a loan or investment is repaid in a lump sum and a simple discount note is a loan made by a bank at a simple interest with interest collected at the time the loan is made.

2. Discuss the impact of a slow economy on small business borrowing.

It will be troublesome for small business to make profit during economic slowdown. These will make them hard to pay their liabilities. Then, their interest charge will increases.

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1.Simple interest note is called non-discounted note while the simple discount note is an amount used by borrower for the maturity value of the loan. Besides, in the simple interest note, the full principal of the loan had used by borrower while in simple discount note, only the proceeds had used by the borrower.

2. The impact of a slow economy on small business borrowing is the small business will have the financial problem of its company, which means the small business will have the difficulty of gaining profit. The small business will not able to pay their debt to their creditors.

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1. What are the differences between a simple interest note and a simple discount note?

A simple interest note refers to interest that is only paid on principal. Simple interest is interest that is compounded solely on what was originally owed while simple discount note refers to the amount that is deducted from the amount of the loan. The difference between simple interest note and simple discount note are the maturity value that needed to be paid by the borrowers. The maturity value of simple interest note consists of face value plus interest while maturity value for simple discount note consists of only face value.

2. Discuss the impact of a slow economy on small business borrowing.

When the economy slowdown, the impact for small business borrowing is getting load might become harder. A business facing financial struggles is far less likely to qualify for loans for capitals expenditures and operation, which limits growth opportunities. Thus, there are many small businesses are also forced to downsize their workforce during a slow economy.

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1. What are the differences between a simple interest note and a simple discount note?
A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period. A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its value in paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity.

2. Discuss the impact of a slow economy on small business borrowing.
During an economic slowdown, many small businesses face the challenge of borrowing loan from the bank. This is because consumers become concerned about their job stability and expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities.

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1. Simple interest note  is used commonly in variable rate consumer lending and in mortgage loans where a borrower pays interest only on funds used. The difference between simple interest note and simple discount note are,  simple discount note are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity, and simple interest note there  will be guaranteed interest rate be paid upon maturity.
2. During economic slowdown, it become trouble to small business making profit. These will make them hard to pay their liabilities. Then, their interest charge will be increases.

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1. A simple interest note also known as undiscounted note. In the simple interest note, the borrower has use the full principle of the loan, but the maturity value is principle plus interest. In the simple discount note, the borrower has used of only the proceeds which is face value minus discount, but the maturity value is just consist the face value, as the interest of the discount was paid. Hence, the difference between simple interest note and the simple discount note is the amount of money that the borrower has used for the period of loan and the maturity value of the loan which is the amount owed at the end of loan.

2. When the economy is slow, cause the small business earn less profits and difficult to repay creditors. Therefore, with the low revenue cause the small business borrowing hard to pay back the loan with the high interest rate.

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1. What are the differences between a simple interest note and a simple discount note?
A simple interest note is an interest when a loan or investment is repaid in a lump sum and a simple discount note is a loan made by a bank at a simple interest with interest collected at the time he loan is made.

2. Discuss the impact of a slow economy on small business borrowing.
Slow economy will cause small business to pay more interest but earn less profit.

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1.  The simple interest note is used commonly in variable rate consumer lending and in mortgage loans where a borrower pays interest only on funds used. While, simple discount note is defined as a short term debt obligation issued at a discount to par.  Normally, simple discount note are sold at a discount and do not include any of interest rate will be paid upon maturity.

2. When economy become slowly, government have to increase the interest rates to get a foreign investment in the country for stabilize economic slowdown. In this case, its goods for big business to get a huge profit but for small business they have to suffer to increase their economic growth. Many business will be affected form this thing especially small business when they have to face higher interest rates when borrowing form any loan company. Not only that, small businesses will get a little profit to recover they loans. Besides that, inflation will be happen if the economy still become slowdown and its will affected to the small business to gain a profits.

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1. The different between simple interest note and simple discount note is simple interest note is the loan that the maturity value is the face value add with the interest value which is need to pay at the due date, the discount interest note is the interest is straight away minus when the loan is do, therefore, the value the the borrower get is the face value less the interest.
2. Slow economic will reduce the profit of the small business. A slow economic will cause them difficult to pay back the creditor because they need long time to turnover the money. This will make the interest become higher. This situation will cause the small business face the financial problem because they hard to pay back the loan.

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BG16110384 Afif Satar Bin Abdul Satar (he21)

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BG16110384 Afif Satar Bin Abdul Satar (he21)

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1. Simple interest note is the interest is the borrower need to paid back the maturity value that is face value plus with interest. Simple discount note is the borrower just need to paid the amount that will be deducted with the interest amount. At that time, the borrower paid back the amount they borrow as the maturity value.

2. The impact of a slow economy on small business borrowing. When the slow  economy happens this will affect to the borrower that want to make loan at a bank. It is because the the small business leads   decreased the revenue of business and the profits of small business will make it difficult to repay the loan. This will make the bank worry thar they can not pay the debts.

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1. Simple interest note is the interest that computed only on the principal while simple discount note is sold at a discount on its par value. The difference between simple interest note and simple discount note are the maturity value that needed to be paid by the borrowers. The maturity value of simple interest note is consist of face value plus interest while maturity value for simple discount note consist of only face value.
2. A slow economy will cause small business earn less profits, which make them difficult to repay creditors. Besides, slow economy also will bring effect to small business to earn less profit. Therefore, small business has difficulty to repay to creditors. In this situation, small business that face financial struggles are hard to be qualify for loans.

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1.The difference between the simple interest note and the simple discount note is the amount of money the borrower has use of for the length of the loan, and the maturity value of the loan—the amount owed at the end of the loan term. Interest is paid on the same amount for the same period of time in both cases. In the simple interest note, the borrower has use of the full principal of the loan, but the maturity value is principal plus interest. In the simple discount note, the borrower has use of only the proceeds (face value − discount), but the maturity value is just the face value, as the interest (the discount) was paid in advance.
2. During the slow economic, it can make difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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BG16110493 Lawrance Singai Anak Lok (HE21)

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BG16110493 Lawrance Singai Anak Lok (HE21)

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1. Simple interest is the  interest which is calculated only on the principal amount and a method of calculating the interest in the charge on the loan. Meanwhile, simple discount is the interest that being deducted in advance.
2. During economic slowdown, it become trouble to small business making profit. This will make them hard to pay their liabilities. Lastly, their interest charge will be increases.

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BG16110265 Jason A/L Savarimoothu George (HE20)

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BG16110265 Jason A/L Savarimoothu George (HE20)

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1. The simple interest means interest that is counted in the principle and not adding in the interest earn. Simple discount notes can be defined as a short term dept obligation issued at a discount to its par value. The difference between simple interest note and simple discount note are, simple discount notes are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity whereas, for simple interest note there will be guaranteed interest will be paid upon maturity.
2.  During economic slowdown, consumers become concerned about their job stability and likely to be caution with the expenditure, which leads to decreased revenue. For small business owners, a small profit stream will effect the small business because they have to repay their creditors, which will impact the long term viability.

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1.A simple interest note is defined as interest computed only on the principal and (unlike compound interest) not on principal plus interest earned or incurred in the previous period(s) (Business Dictionary 2015). A simple discount note is defined as a short term obligation (promissory note) sold at a discount on its par value in lieu of paying interest (Business Dictionary 2015). Basically, simple discount notes are financial instruments that are usually sold at a discount (reduced amount) and do not include any type of guaranteed interest rate that will be paid upon maturity. To figure out a bank discount, the  formula is D= s * d * t.
2. the effect of a moderate economy on little scale business obtaining are it will troublesome for an independent company to pay backcreditors, which can adversely impacct its long haul practicality and the business a far less inclined to meet all requirements for credits for capitalexpenditures and operations, which limits development openings

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1. Simple interest note is an interest computed only on the principal and not on principal plus interest earned or incurred in the previous period while simple discount note is a short term obligation sold at a discount on its par value in paying interest. Basically, simple discount notes are financial instruments that are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.
2. The impact of a slow economy on small business borrowing is they will face a number of challenge. Consumers become concerned about their job stability and likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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BG16110528 SHERENA SHAFIKA BINTI STEVEN 

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BG16110528 SHERENA SHAFIKA BINTI STEVEN 

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1. A simple interest note is interest that computed only on the principal while a simple discount note is defined as a short term obligation sold at a discount on its par value in lieu of paying interest. The difference between the simple interest note which is also called an undiscounted note and the simple discount note is the amount of money the borrower has use of for the length of the loan, and the maturity value of the loan which is the amount owed at the end of the loan term. Interest is paid on the same amount for the same period of time in both cases. In the simple interest note , the borrower has use of the full principal of the loan, but the maturity value is principal plus interest. In the simple discount note , the borrower has use of only the proceeds (face value − discount), but the maturity value is just the face value, as the interest (the discount) was.

2. The impact of a slow economy on small business borrowing is it will be hard for the company to loan money from the bank which limits growth opprtunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1. A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned in the previous period. Actually, a simple discount note is defined as a short term obligation sold at a discount on its par value in lieu of paying interest. Basically, simple discount notes are financial instrument that are usually sold at a discount and do not include any type of guaranteed interest rate that will be paid upon maturity.

2. Many small businesses face a number of challenges. Consumer become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. Moreover, a business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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Simple interest note is a fastest strategy for ascertaining the intrigue charge on a credit. Simple interest is controlled by duplicating the day by day financing cost by the main by the quantity of days that pass between installments.

2. When you make an installment on a straightforward intrigue advance, the installment initially goes toward that month's advantage, and the rest of toward the foremost. Every month's advantage is forked over the required funds so it never accumulates. Interestingly, accruing funds includes a portion of the month to month enthusiasm back onto the credit; in each succeeding month, you pay new enthusiasm on old intrigue.

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1. Simple interest note as known as the quick method of calculating the interest charge on a loan and also determined by multiplying the daily interest rate by the principal by the number of days that elapse between payments while the simple discount rate is refers to the amount that is deducted from the amount of the loan that made by bank.

2.When the slow economy happen, the small business will influenced. As the small business will face the problem when borrowing the loan. Due this they will hard to pay back the liabilities that made by bank. And it also decrease the workforce during the slow economy happen

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1. A simple interest is an interest paid or computed on the original principal only of a loan or on the amount of an account. A simple interest note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous period.

2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability and, in turn, are more likely to be cautious with expenditures, which leads to decreased revenue for small business owners. A slow profit stream can make it difficult for a small business to repay creditors, which can negatively impact its long-term viability. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. Many small businesses also are forced to downsize their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.

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1.  A simple interest note also known as undiscounted note. Simple interest note refers to interest when a loan or investment is repaid in a lump sum while simple discount note is a loan made by a bank at a simple interest with interest collected at the time the loan is made.

2. When the economy is slow, the impact for small business borrowing is getting loan might become harder. A business facing financial struggles is far less likely to qualify for loans for capital expenditures and operation, which limits growth opportunities. So, many small businesses are also forced to downsize their workforce during a slow economy.