Forum 2 by https://padlet.com/sarimahgan/6wrg6z0zqv52 Promissory Notes & Discounting en-us 2017-04-25 07:18:11 UTC 2017-05-12 18:21:40 UTC hello@padlet.com Promissory Notes & Discounting sarimahgan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168023370 QUESTION:
1. What are the differences between a simple interest note and a simple discount note?
2. Discuss the impact of a slow economy on small business borrowing.]]> 2017-04-25 07:23:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168023370 Instruction: sarimahgan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168024763 Please write down your BG NUMBER and FULL NAME on the title part.]]> 2017-04-25 07:31:21 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168024763 BG12345678 BRITNEY SPEARS (HE20) sarimahgan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168026650 ANSWER:
1. This is the format for answering Forum 1 in padlet.
2. Please write down your own answer. Plagiarism is not allowed.]]> 2017-04-25 07:45:05 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168026650 BG16110196 TAN HUI XIN huixintan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168311496 ANSWER:
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 periods but the 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. 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.]]> 2017-04-26 08:55:44 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168311496 BG16110428 THAM WAI HENG https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168313321 1. A simple discount note pays interest up front, so its effective rate will be higher than a simple interest note with the same rate.

2. Consumers become more sensitive with the money payment, so it will decrease revenue for small business owners. A slow profit stream can make it difficult for a small business to pay liabilities, which can negatively impact its long-term viability. Many small businesses also are forced to cut down their workforce during a slow economy because want to save wages. This limits their ability to serve customers and contributes to increase the unemployment rate.

]]> 2017-04-26 09:08:54 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168313321 BG16110420 KAYSHNU R. SARAVANAN kayshnu_saravanan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168319873 1.A simple interest note is characterized as premium processed just on the key and (not at all like unlike compound interest) not on central in addition to premium earned or caused in the past period but a simple discount note is characterized as a fleeting commitment (promissory note) sold at a rebate on its standard incentive in lieu of paying interest. Essentially, simple discount note are monetary instruments that are generally sold at a rebate (reduced amount) and do exclude any kind of ensured financing cost that will be paid upon development.

2.The effect of small business acquiring while confronted the moderate economy is the small business need to pay more interest  for their getting and furthermore will reduced the benefit of the small business]]> 2017-04-26 09:51:59 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168319873 BG16160691, NURUL SYAZWANI BINTI MANAN, https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168327350 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 periods. 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 financial instruments that a usally 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 challanges. Consumers become concerned about their job stability and in turn are more likely to be cautious with expenditures, which lead to decrease 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.]]> 2017-04-26 10:42:24 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168327350 BG16110371, YONG YAU YAU, HE20 im_yy https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168327454 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 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 paid “in advance.” 

2.  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. 

]]> 2017-04-26 10:43:01 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168327454 Bg16110487 Chew Lee Hui https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168329979 1. A simple interest note is characterized as premium processed just on the important and not on key in addition to premium earned or caused in the past period. A simple discount note is characterized as a fleeting commitment sold at a rebate on its standard incentive in lieu of paying interest. Essentially, simple discount note are monetary instruments that are normally sold at a rebate and do exclude any sort of ensured loan fee that will be paid upon development.
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.

]]> 2017-04-26 11:00:01 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168329979 Jong Chui Ling BG16110269 chuiling1119 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168333481 1.  Simple interest note is a note that with 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 when the loan is made.
2. Slow economy could lead a small business to repay it's interest difficultly due to the profit earn decline and the small business might be not able to pay their debts when slow economy occur. Then, it will make  a small business to get more debts and burden and also might be lead to bankrupt.]]> 2017-04-26 11:25:10 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168333481 BG16160694 CHARUKA A/P SUBRAMANIAM https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168336395 1. Simple interest note is 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 mean that the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The proceeds of a loan 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.
2. During an economic slowdown, many small business face 
challenges. 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 quality for loans for capital expenditures and operations, and limits growth opportunities. ]]> 2017-04-26 11:45:39 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168336395 BG16160668 NUR FATIN SYAHIDAH BINTI MAILI @ ASNAN https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168346157 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.]]> 2017-04-26 12:36:53 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168346157 KASTHURI RAMASUNDRAN BG16160688 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168352055 1. A simple interest note is the amount of money the borrower 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 while 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, 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.

]]> 2017-04-26 12:58:38 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168352055 BG16110519 MOHD LUQMAN HAFIZ BIN MD YUSOF https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168363054 1. a simple interest note is a method or ways that calculate the the interest that charged on a loan or someone that borrowed the money from the organization or someone that charged the interest. from the formula of simple interest, the principal will times the interest rate and then times the times the load or borrowed period. for the simple discount note, simple discount note is a method or process which the loan or borrowed interest deducted advance. this means that, someone who are pay within the time that required, they will get the discount from the face value amount.
2. the small company will get a trouble when the economy going slow and not stable. the impact of that to the small company is the business facing financial struggles is far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities. there is a lot of small businesses also are forced to downsize their workforce during a slow economy. This things will limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.]]> 2017-04-26 13:31:41 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168363054 BG16110297 LIM YING XUAN (HE20) yingxuan72 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168367764 ANSWER : 
1. A simple interest note is characterized as interest computed only on the principal and unlike compound interest not on principal plus interest earned or brought in the past period. A simple discount note is characterized as a short period obligation or promissory note that sold at a discount on its par value in lieu of paying interest. Essentially, simple discount notes that are usually sold at a discount. it will decrease the amount and do not include any type of guaranteed interest rate that will be paid upon maturity. 

2. During slow economy,  it will decrease the profit of small business owner. A slow profit stream can make it difficult for a small business  to repay creditors and it will also limits the growth opportunities for small business.]]> 2017-04-26 13:43:37 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168367764 LAURA LING TECK ENG BG16110512 HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168371096 1. Simple interest note is paid on principal only. If interest is paid on interest the result is compound interest. The definitions imply that if a loan is repaid in instalments, equal or unequal, no part of any instalment may be considered as an interest payment if simple interest is specified. 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. Many small business will faced a trouble when the economic slowdown. It will make the small business to decrease the revenue for small business owners and also need to repay creditors which can negatively impact its long-term viability. Beside that, many small businesses also are forced to downsize their workforce during a slow economy and also become limited for their ability to serve customers contributes to the unemployment rate.

 

]]> 2017-04-26 13:52:46 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168371096 TAN JIE MIN BG16110463 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168377001 1. Differences between simple interest note and simple discount note.
Simple interest note requires the borrower to pay back the maturity value. The maturity value of the simple interest note is the face value plus interest. In simple interest note, the proceeds is equal to the face value. On the other hand, simple discount note has the loan interest deducted in advance. So，the face value is equal to the maturity value and the borrower receives the proceeds of the loan. The bank discount is the interest that the bank deducts in advance from the face value of the note.

2. Impact of economic slowdown on small business borrowing
When economic slowdown, consumers concerned about their job stability and cautious with expenditures. They will not simply borrow money from the small business borrowing. This affect theoperations of the small business borrowing. Besides, during economic slowdown, small businesses are difficult to repay creditors and impact its long-term viability. Then, it will affect the growth of the business borrowing. After a long time, the small business borrowing will face financial problems and difficult  to survive anymore.]]> 2017-04-26 14:07:30 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168377001 BG16110539 RENI NURIDAYU MAPPIRE (HE20) reninuridayu https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168378671 Answer:
1. Differences between simple interest note and simple discount note.
Simple interest note is defined as interest when loan or investment is repaid in a lump sum. The borrower need to pay back the maturity value which is the face value plus interest. A simple discount note are financial instrument that are usually sold at discount to reduce amount of payment and do not include any type of guaranted interest rate that will be paid upon maturity. This means that the face value is equal to the maturity value.
2. Impact of a slow economy on small business borrowing.
When the economic slowdown, many small businesses face major problem which leads to decreased their revenue. This also will leads to deflation. When their is deflation, the small business will not making any profit and the interest rate of borrowing money will increase.]]> 2017-04-26 14:12:01 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168378671 BG16110456 LAU YU JUN (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168379048 1. Simple discount note is the amount of money the borrower had use of for the length of the loan, the maturity value of the loan and the amount owed at the end of the loan term but simple interest note is the borrower has use the full principal of the loan but the maturity value is principal plus interest. Besides this, interest in simple discount note is paid at the same amount for the same period of time in both class but simple interest rate the borrower had use of only the proceeds but the maturity value is just the face value.
2. Impact of a slow economy on small business borrowing.
Small businesses will facing financial struggles far less likely to qualify for loans for capital expenditures and operations due to limits growth opportunities.]]> 2017-04-26 14:12:58 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168379048 BG16110189 LAWRENCE KONG CHONG TZEH (HE 20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168397085 1. Simple interest note is the amount the money or pay should paid for the borrower for borrower the money for a period of time based on the interest rate that decided and at the maturity days should pay with the principle payment also, interest just like the fund for the creditor for invest money. Simple discount note is the payment interest paid early before borrow the money to borrower and earn a cash discount. For example, ali borrowr money RM1k from abu, and abu try to borrow the money in 20% simple discount note. So ali only receive RM800. And the RM200 as the cash discount.
2.impact of economy slow for small business. When economy is slow thats mean every one lack of money for invest. But the small business company need money for their business, so they will try to increase the interest rate in order to attract more investor invest their money. Beside thats, small company also will borrow a high rate of interest amd hard to borrow from bank because economy no good. So bank also will have too care on borrowing money for small business company in order their bankrupt and can't pay the money.]]> 2017-04-26 14:58:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168397085 TEO ZHI WEI BG16110451 (HE 21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168399298 ANSWER:
1. The simple interest note is interest computed only on the principal and not on principal plus interest earned or incurred in the previous period(s) and the simple discount note is a short term obligation sold at a discount on its par value in lieu of paying interest.
2. The impact of a slow economy on small business borrowing is many small businesses face a number of challenges. Consumers become concerned about their job stability and 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. Many small businesses are forced to decrease their workforce during a slow economy. This limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.


]]> 2017-04-26 15:04:34 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168399298 LEE SIN YAN BG16110332 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168401539 1. The simple interest note is calculating the total interest based on the principle in a period and this method usually applies to automobile loan and short term personal loan. The simple discount note applies to short-term investment or loan in a period. The discount note does not make an interest payment. For example, the bond matured at par value higher than the buying price so the simple discount note can calculate the investment yield. 
2. The impact of a slow economy on small business borrowing. When the slow economy happens will affect to the borrowing because the bank will not lend loan to the small business and bank also increase the interest rate to the borrower.  ]]> 2017-04-26 15:10:17 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168401539 KANG KHAI WENG BG16110381 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168408951 1. Simple interest note refers to interest that is only paid on principal. Simple discount note refers to the amount that is deducted from the amount of the loan.
2. During the slow economy, consumers will be cautions with expenditures, which leads to decreased revenue of business. The profits of small business will difficult to make it to repay creditors. The small business have to borrow more money to clear the debt. The small business are difficult to borrow from the bank because the bank worry they can't pay back the debt.]]> 2017-04-26 15:31:04 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168408951 POOVANA SINGA RAJAH BG16110181 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168416388 1. Simple interest note -  The borrower to pay back the maturity value which is the face value plus interest. 
Simple discount note - The borrower receive proceeds of the loan. 

2. During an economic slowdown, consumers will reduce their expenditures, which leads to decreased revenue for small business owners. The profit of small business will drop which will make it difficult for them to repay the creditors. Small business couldn't rise capital in form of loan to manage their business due to the pending payment. This lead the small businesses to downsize their workforce.  

]]> 2017-04-26 15:51:13 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168416388 BG16160692 JEROME VOO PINK HOW https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168417931 1. simple interest note is defined as interest computed only on the principal and  a simple discount note is defined as a short-term
obligation sold at a discount on its par value in paying interest.
2. The impact of a slow economy on small business borrowing is when economic slowdown. Small businesses will face many challenges. A slow profit can make small business difficult to repay creditors, which can negatively impact its long-term viability. The profit of small businesses will decrease and interest of borrowing will increase.
]]> 2017-04-26 15:55:46 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168417931 BG16110623 FATIN AMANINA BINTI SAIZAN HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168426804
1. Simple interest note is the notes that state the total of calculating the interest charge on a loan and the simple discount is loan that have face value is equal to the maturity value and the borrower receives the proceeds of the loan.  (P X R X T= I)
2. 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.]]> 2017-04-26 16:22:12 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168426804 BG16110113 TINISSHA A/P G.BALAN tinisshabalan https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168436531 1. A simple interest note is known as interest computed only on the principal whereby, a simple discount note known as a short term obligation sold at a discount on its par value, interest paid.
2. From my view, a slow economy on a small business borrowing gives impact by making the business to face so many challenges. It ill start to give impact to the consumers as they start worrying about their job stability that makes them to take more concern about their expenditures. Business will start facing financial struggles.]]> 2017-04-26 16:51:25 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168436531 BG16110438 LAU KWAN YEE https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168478140 1. Simple interest note is when you only paid the interest amount of money you have borrowed and the simple discount note which has the loan interest that be deducted ahead of time.
2.  When the economy slow down, the profit of the small business will be earned less and which will lead to financial struggles. Hence, the small business are difficult to repaid back to the creditor which cause the interest rate increase. ]]> 2017-04-26 19:01:33 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168478140 BG16110167 NUR IRSYADUDDIN BIN JUHARI setonvv99 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168480882 ANSWER:

1. The simple interest note is ]]> 2017-04-26 19:12:03 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168480882 BG16110091 ERICA ELYSSA MARTIN https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168523427 1. Simple interest is the interest that paid based on the original amount of price and not on the interest that has been earned. Simple discount note has the loan interset deducted in advance. The face value is then equal to maturity value and the borrowers receives the proceeds of promissory notes.
2. The impact of a slow economy on a small business borrowing is that they will face many challanges. For example, the small business couldn't repay to creditors because the drop of the profit. Therefore, the small businesses will pay its own bill more slowly. Besides, their ability are limited to serve customers and contributes to the unemployment rate.

]]> 2017-04-27 01:10:48 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168523427 BG16110038 FARAH SOON GEK CHIA farahsoon https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168538482 1. Simple interest note is the interest computed only on the principal. A simple discount note is sold at a discount on its par value. The difference between these two notes is the maturity value needed to be paid by borrowers.  The maturity value of a simple interest note is consists of face value plus interest whereas for simple discount note consists of only amount of face value. 

2. A slow economy will cause small business to earn less profits, which make them difficult to repay creditors. Therefore, small business that facing financial struggles is hardly  to qualify for loans.

]]> 2017-04-27 03:43:33 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168538482 BG16110331 YAP WIN FUI bg16110331 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168538803 1. The borrower who make a lond with simple interest note need to pay the lender with the maturity value which is the face value plus with the interest. But for the simple discount note the face value is equal to the maturity value.
2. When the condition of the economy is slow, small business found out that their earning also getting lower compared to the normal economy. With the low revenue, small business that borrowing hard to pay back the loan with the high interest rate.]]> 2017-04-27 03:47:46 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168538803 BG16110605 CARMILA SUMBA AK CLIFF https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168561081 1. Simple interest note is borrower that have to pay back the maturity value. Which is face value plus by the interest (P+R+T=I).
Simple discount note is the borrower that receive proceed of the loan. It is the short term of invest went or loan in a period.
2. The impact of slow economy on small bussines borrowinf is the customer will taking care about the stabillity of theor job . They will not borrow money from the small bussiness borrowing because the affect of small bussiness borrowing . When the economic is slow down , small bussiness are difficult to repay creditor and the impact it long term viality so it will affect the growth of bissiness borrowing

]]> 2017-04-27 07:33:31 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168561081 BG16110478 AR NICKAZMIE BIN AHMAD (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168579267
ANSWER:

*Question 1: Explain the difference between a simple interest note and a simple discount note.*

A Simple Interest Note also called an undiscounted note is defined as interest computed only on the principal and not on principal plus interest earned or incurred in the previous period. In the simple interest note, the borrower has use of the full principal of the loan, but the maturity value is principal plus interest. While 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.

What can i summarize from this, for Simple Interest Note, when you borrow money, you want to pay simple interest which is only paid interest on the amount you borrowed and not on past interest. Compare to Simple Discount Note, the loan interest is deducted in advance.

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

There are several impact of a slow economy on small business borrowing. 
1. Will be decreased revenue for small business owner. 
2. Profit will be decreased and it is difficult for a small business to repay creditors, which can negatively impact its long-term viability. 
3. Facing financial struggles which is less qualify for loans for capital expenditures and operations that limits the growth of opportunities. 
4. Small businesses are forced to downsize their workforce and this situation limits their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.
]]> 2017-04-27 09:22:45 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168579267 BG 16110202 Soo Jo Ting (HE20) jotingaudrey https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168588496 1.A simple interest note is a note that calculate based on only the principal and non-principal plus the interest earned or incurred in the previous period. It is a promissory note for loan that the term less than one year. The pay back of simple interest note is by one payment at maturity, the face value is equals to the principal of the loan. A simple discount note is a short term promissory note for loan that less than one year, it is sold at a discount on its par value and do not include any guaranteed interest rate. The pay back of simple discount note is by one payment at maturity, the face value is equals to the maturity value.

2. When economy slows down, consumers become more concerned about their daily expenditures, this situation causes small business to earn less profit. With less profit, owner of small business faced difficulties on repaying debts to the creditor, which will negatively impact its long-term viability. When small business facing difficulties to repay the debts, it is less likely to qualify for a loan for its operation and business expenditure by financial institution. Therefore, some small business chooses to downsize their workforce, and this causes the increase of unemployment rate. 


]]> 2017-04-27 10:24:56 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168588496 BG16110444 Lee Jia Yi (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168594438 1.Simple interest refers to interest that is only paid on principal. Whereas, simple discount refers to the amount that is deducted from the amount of the loan.

2. During an economic slowdown, many small businesses face a number of challenges. Consumers become concerned about their job stability which causes them to be more likely to be cautious with expenditures. This 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.]]> 2017-04-27 11:08:12 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168594438 BG16110474 NG WEN QI (HE21) wendylove3838 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168596075 1. The difference between the simple interest note and simple discount note is the measure of cash the borrower has utilization of for the length the loan, and the maturity value of the loan. The amount owed toward the end of the loan term. Interest is paid on similar sum for a same period of time in both cases. In the simple interest note, the borrower has utilization of the full principal of the loan, yet the maturity value is principal plus interest. In the simple discount note, the borrower has utilize of just the returns (face value-discount), yet the maturity value is just the face value, as the interest (the discount) was paid in advances.

2. At the point when the economy back off, the profit of the small business will be earned less and which will prompt budgetary battles. Hence, the small business is hard to reimburse back to the creditor which cause the interest rate increase.]]> 2017-04-27 11:20:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168596075 BG16110043 AIVY WONG (HE20) aivyyy https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168601100 1. For simple interest note, the borrower has to pay the amount borrowed/invested (principal) plus the simple interest charged by the lender. Meanwhile, a  simple discount note deducts the loan interest in advance from the principal, therefore the borrower will only receive the proceeds but has to pay back the amount of principal. 
2. When the economy is slow or weak, a small business will have troubles in making profits. This in return will make it hard for them to pay back their liabilities/borrowings. Interest charged may increase too.

]]> 2017-04-27 11:52:56 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168601100 BG16110317 Shanice Toh Lee Fern (HE21) shanice_fern1124 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168630135 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.
  - The simple discount note is mean that someone borrows the money amount will be charged in interest and just give the amount already minus the interest that charged. At the time on the due date, borrower paid back the amount they borrow as the maturity value.

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. That will also affect a small business downsize their workforce. ]]> 2017-04-27 13:42:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168630135 ELFIRA RUBIN BG16160675 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168636324 1. Simple interest note is a promissory note for a loan with a term of usually less than 1 year. The note paid back by one payment at maturity and faced value equals actual amount of loan. The interest computed on face value or what is actually borrowed. It also used frequently instead of the simple discount note. Simple discount note paid back by one payment at maturity and faced value equals maturity value. The interest computed on maturity value or what will be repaid and not on actual amount borrowed. The simple discount note is maturity value equals to face value while the simple interest note maturity value is equal to face value plus with the interest.

2. Small business will face the impact of a slow economy where they need to pay more interests while they are losing profits with their business. This also cause them to borrow loan from other lenders as the bank worried that the small business could not pay back their loan. Small business will have many pending debts as the economy getting slow.]]> 2017-04-27 13:59:49 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168636324 BG16160663 NUR ATILIA ADRIANA BINTI MOHD JULAIDIE (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168646089 1. A simple interest note requires the borrower to pay back the maturity value which is the face value plus interest while the simple discount note has the loan interest deducted in advance

2. The impact of a slow economy on small business borrowing are it will difficult for a small business to repay creditors, which can negatively impact its long-term viability and the business a far less likely to qualify for loans for capital expenditures and operations, which limits growth opportunities.

]]> 2017-04-27 14:27:55 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168646089 BG16110326 PAMELA FINA ABEN HE20 bg16110326 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168658755 a) Simple discount note is defined as the loan that a bank made at a simple interest and the simple interest is collected when the loan is made. It does not include interest rate that will be paid during maturity. Simple interest note is defined as interest that is counted on the principal and not adding it the interest earned.

b) When economy is slow, the small business in borrowing face a lot of difficulty. The revenues for small business will decrease because not a lot of company are willing to invest in their business due to economy problem. When the profit stream is low, it will make the small business hard to repay their creditors that negatively affects long-term viability. This causes the business to downsize their business.  

]]> 2017-04-27 15:01:14 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168658755 BG16110354 LEE PEI CHING HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168659847 1. Simple interest is charged based on the amount of principal while simple discount, the interest has been take deducted from the from the amount of the loan before the balance is given to the borrower. The full value of the loan is be paid back at maturity, therefore, the borrower receives the principal less the interest, but pays back the principal. 
2. When the economy down, the small business will be facing the problem of low revenues or even loss if the revenue could not cover their expenses because the consumer reduced their expenses which will make their company difficult to survive in the market. This will caused the small business unable to pay back their debt to their creditor because they do not have enough money for it. If the condition continues, the small company/business might be bankrupted. ]]> 2017-04-27 15:04:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168659847 BG16110581 NURUL NABILAH BINTI TALIB HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168676855 1) A simple interest not is interest computed only on the principle and not on principle plus interest earned or incurred in the previous period. A simple discount noted is defined as a short term obligation sold at a discount on its par value in lie of paying interest .
2)The impact of small business face is become difficult to repay creditors .Next, the company also difficult to earn big profit.]]> 2017-04-27 15:54:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168676855 BG16160707 MARY JOY GENOL (HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168678348 1) Simple interest note is interest that is counted in the principle and not adding it in the interest earned. Meanwhile simple discount note is a note that the loan interest is deducted in advance.

2) The impact of a slow economy on small business borrowing will facing a difficult for paying more interest. This is because they losing their profits in their business. Besides that, they also will facing a problem in borrowing money because they facing a debt. They also will be forced to downsized their workforce. This situations will limit their ability to serve customers]]> 2017-04-27 15:59:51 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168678348 BG16110273 UMINIAH BINTI SAHARI (HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168688540 1.      For simple interest note, the borrower has to pay the amount borrowed/invested (principal) plus the simple interest charged by the lender. A simple discount note is a short term promissory note for loan that less than one year, it is sold at a discount on its par value and do not include any guaranteed interest rate. The pay back of simple discount note is by one payment at maturity, the face value is equals to the maturity value.
 
2.      The impact of a slow economy on small business borrowing is when economic slowdown. When the slow economy happens will affect to the borrowing because the bank will not lend loan to the small business and bank also increase the interest rate to the borrower.  It will make the small business to decrease the revenue for small business owners and also need to repay creditors which can negatively impact its long-term viability. Small business couldn't rise capital in form of loan to manage their business due to the pending payment. This lead the small businesses to downsize their workforce.  

]]> 2017-04-27 16:29:20 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168688540 BG 16110449 NUR FAZIRATUL AMIRA BT RAMLEE (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168692942 1. 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. 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.
]]> 2017-04-27 16:43:48 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168692942 AMYLING BINTI MOSIRING BG16160662( HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168763376 1.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 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, asthe interest (the discount) was paid “in advance.”

2. During an economic slowdown, many small businesses face a challenge. 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.
]]> 2017-04-27 21:28:28 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168763376 LOW YEE KIANG BG16110369(HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168781298 1. The differences are the amount of money the borrower has use for the length of loan and the maturity value of the loan.

2.Small business will face a number challenges. The consumer will worry about the stability of thier work. So, they will be caution with the expenses mean decrease the expenses and it will make the small business profit decrease. A slow profit make them difficult to pay to the creditor. It can negatively impact its long-term viability.]]> 2017-04-28 01:09:03 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168781298 Ekka Suzika Maruda BG1110137 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168789099 1. assume the face value is $30000, the interest rate is 8% and the terms is within 60 days. the simple interest notes is an interest which is computed from what is actual money that had been borrowed. While the simple discount notes is an interest that computed based on the amount of money that will be repaid or maturity value. The maturity value of simple interest notes is equal to face value+ interest which is $30000 + $400($30000 x 0.08 x 60/360)= $30400 while the maturity value of simple discount rate is equal to the face value which is $30000. The borrower on simple interest notes will receive proceeds the face value which is also $30000 while the borrower on simple discount notes will receive the face value minus the discount which is $30000- $400= $29600. simple interest notes used often than simple discount notes.

2. When the economy becomes slow, the ability of small business to gain more profit decreasing and cannot pay their creditors on time. This will make the small business not be able to get any kind of creditors to borrow money for their business. The creditors for example banks will choose the big business to lend their money and not small business.]]> 2017-04-28 02:41:16 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168789099 Wang Yi Yan BG16110470 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168796374 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 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. 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 business 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.

]]> 2017-04-28 04:19:12 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168796374 BG16110553 ANI NURUL ASMIRA BINTI ABDULLAH (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168796665 1. Simple interest is a money that you pay on a loan or that you earn in a deposits. It is computed only on the principal. Meanwhile, simple discount notes is the amount of money (future value) that due in  certain future date. If the money is paid advance (present value), then the amount is less, because the future value subtracted by discount calculated with time and rate of discount.

2. When economy is slow, it lead to the decreasing of the profit for the some company, especially the small company. When this is happen, they can't paid their creditor in the time given due to decreasing of profit for their company. If this situation continued in a long time, it will negatively impact the company long-term viability.]]> 2017-04-28 04:23:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168796665 BG16110375 YAP YING SHIEW (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168804053 1. 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 use of only the proceeds which is face value minus discount, but the maturity value is just the face value, as the interest of the discount was paid. Hence, the different between simple interest note and the simple discount note is the amount of money that the borrower has use for the period of loan, and the maturity value of the loan which is the amount owed at the end of loan term.
2. A slow profit stream can make it difficult for a small business to repay creditors. This is because, when the condition of the economy is slow, small business found out that their profit are getting down when compared to the normal economy. With the low revenue, small business will borrowing hard to pay back the loan with the high interest rate. ]]> 2017-04-28 06:17:26 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168804053 BG16110156 THIEN FUI CHING (HE20) chingellis96 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168824615 ANSWER:
1. Simple interest note is defined as a interest charge on a loan that is determined by multiplying daily interest rate by principle by number of days that elapse between payment. Whereas the simple discount note is defined as a short-term debt obligation issued at a discount to its par value.
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.]]> 2017-04-28 08:42:10 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168824615 BG16110407 Maglilyn Liew Shi Ling HE20 maglilynliew https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168833552 1. Interest is an amount charged by having the use of assets. For example, we borrow money from bank then we will having interest rates which is in percentage form. We save money in the bank account so bank will pay us the money too because it has temporary access to our money. The amount of money that is lent or invested is called the principle. Interest is usually paid in proportion to the principle and the period of time over which the money is used.
2. if economy become slow, it will occur a lot of bad effect to people and the country. The company will try to decrease the waste of money with unemployment. Many people will lost the job. People who dont hav job cannot earn money. Then they dont have the ability to pay all the fees. If the amount of unemployment increase, the profit of country will decrease.]]> 2017-04-28 09:44:56 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168833552 BG16110620 Christine Lydia Justin HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168854770 1. simple interest note requires the borrower to pay back the maturity value which is the face value including the interest while the simple discount note has the loan interest deducted earlier

2. The impact of a slow economy on small-scale business borrowing are it will difficult for a small business to pay backcreditors, which can negatively impact its long-term viability and the business a far less likely to qualify for loans for capitalexpenditures and operations, which limits growth opportunities.

]]> 2017-04-28 12:14:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168854770 BG16110620 Christine Lydia Justin HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168855075 1. simple interest note requires the borrower to pay back the maturity value which is the face value including the interest while the simple discount note has the loan interest deducted earlier

2. The impact of a slow economy on small-scale business borrowing are it will difficult for a small business to pay backcreditors, which can negatively impact its long-term viability and the business a far less likely to qualify for loans for capitalexpenditures and operations, which limits growth opportunities.

]]> 2017-04-28 12:16:30 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168855075 BG16110045 NUR AMIRA SYUHADAH BINTI AMIRRUDIN HE21 amirasyuhadah_1994 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168855279 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. To understand how simple interest works, examine an automobile loan that has a $15,000 principal balance and an annual 5% simple interest rate. If your payment is due on May 1 and you pay it precisely on the due date, your interest is calculated on the 30 days in April. Your interest for 30 days is $61.64 under this scenario. However, if you make the payment on April 21, the finance company charges you interest for only for 20 days in April, dropping your interest payment to $41.09, a $20 savings.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.A low rate of economic growth can cause higher unemployment. Though it is not always the case. As example, during 2010 until 13 the UK experienced a slow rate of economic growth, but unexpectedly unemployment fell.


]]> 2017-04-28 12:17:31 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168855279 BG16110367 KHOR ZHI SHIN HE20 shin_khor https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168878091 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 the borrower while in simple discount note, only the proceeds had used by the borrower.  

2. During the slow economic, it will give impact on the small business. Slow economic will causes them to repay creditors which can negatively impact for long-term viability. Besides, they will also reduce their workforce during the slow economy.

]]> 2017-04-28 13:45:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168878091 BG16110504 LEE CHOY KEI HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168889264 1)      The different between simple interest note and simple discount note are a simple interest note is need the borrower to pay back the maturity value which is the face value plus interest. However, discount note is a loan that the original lender has sold to a new lender, at a price that is less than the loan’s original maturity price. Next, for simple interest note, the formulas of the proceeds is equal to the face value, however the proceeds of the simple discount note is equal to maturity value deduct bank discount.

2)      When occur a slow economy on small business borrowing, it will leads to decreased revenue for small business owners. When the revenue decreased, less qualify for loans for capital consumption and operations, which limits development opportunities. Moreover, it also will restrict business borrowing. When the limited borrowing money, the businessman cannot develop their business and cannot increase their profit. Such a situation will make their lives become hard.

]]> 2017-04-28 14:23:34 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168889264 LYDIA LOJITI@LOJUTI BG16110097 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168899248 1)     The different between simple interest note and simple discount note is in the simple interest notes, the borrower has use of the full principal of the loan, but the maturity value is principal plus interest. In the simple discount rate, the borrower has use of only the proceeds which is the face value discount but the maturity value is just the face value as the interest.

2)      The impact of a slow economy on a small borrowing business is it will affect the small business operations, expansion opportunities and hiring because small business do not have the access that help them to access to the alternative forms of funding available to larger firms.

]]> 2017-04-28 14:58:05 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168899248 NUR HAFIZA BINTI MOHSIN BG16110411 HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168900581 1) 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 (s) . 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. To figure out a bank discount, the formula is D = *S *D *D.
2) Difficult to pay their debt]]> 2017-04-28 15:02:22 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168900581 SU WEI YANG BG16110078 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168909177 1) For simple interest note, the amount that borrower have to pay back is more than the principal (amount of borrowed) because the pay back amount is added the interest of loan. While for simple discount note, the amount that received by borrower will lesser than the actual borrow amount  because it deducted the interest loan from principal.

2) When economy is growing slowly, the small business will having fund borrowing problems. If economy in a country is down, small businesses owner will be more difficult to borrow fund from the bank because the bank will provide more complex terms and conditions if they want to borrow fund. If a businesses lack of fund, they cannot be operating because every operation of business need funds. So the business forced to close the businesses due to the slow growing economy.]]> 2017-04-28 15:32:24 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168909177 CHOO HUI SIN BG16110266 HE21 huisinchoo31 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168911245 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.

2. The impact of small business borrowing are small business need to pay more interest to their borrowing and difficult to pay backcreditor which negatively impact its long-term viability.
]]> 2017-04-28 15:39:17 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168911245 ALICESTER EPAU BG16110435 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168911568 1.Simple Discount note
financial instruments are generally sold at a discount and does exclude any kind of ensured loan or interest cost that will be paid upon the maturity.It is also an advance that made by a bank at a straightforward enthusiasm with premium gathered at the time the credit is made likewise as a short term obligation sold at a rebate on its standard incentive
Simple Interest note:
interest computed only on the principal and not on principal plus interest earned or incurred in the previous period(s).

2. A moderate benefit stream can make it complicated for a small business to repay leasers which can adversely affect its long haul viability. Other than that, the opportunities growth going to be limited and they also forced to diminish their workforce during a slow economy.]]> 2017-04-28 15:40:18 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168911568 Sulpika Binti Abd Salim BG16110520 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168914001 1.Simple interest is a method to calculate the interest charge on a loan. It can be determine by multiplying principal with interest rate and the time. While simple discount note is a short term debt that issued at a discount period. It similar with zero coupon bonds and are always issued by government.
2. Impact of slow economy on small business borrowing to financial problem that bring them to qualify for loan for the expenditure. This will cause them to limit growth opportunists. It will also hard for them to pay creditor and effect they long term viability.]]> 2017-04-28 15:48:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168914001 Vithiya Chandrasekaran, BG16110389 (HE21) vithiya1996 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168950361 1. Simple interest notes is a quick method of calculating the interest charge on a loan and  determined by multiplying the daily interest  rate by the principal by the number of days that elapse between payments. Simple discount note is 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 impact of a slow economy on small business borrowing. It is very difficult for small business to pay back creditor. When slow economy, demand for a certain product of small business will goes down because resources will be limited for produce product. So that, small business cannot earn more profit compare with normal economy. It can make they are difficult to pay back. Besides, negatively impact its long term viability.]]> 2017-04-28 17:59:04 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168950361 VALENTINA AK MAWAN, BG16110462 ( HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168951512 1. Simple interest note is interest that is counted in the principle and not adding in the interest earn. Simple discount note is defined as a short-term debt obligation issued at a discount to its par value.
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.]]> 2017-04-28 18:03:17 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168951512 ELZIE SHERREY YUJIN@MIJIN,BG16110536,HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168956877 1. Simple interest note is defined as a interest that had computed only on the principal and not on the principal plus interest earned. Next, a simple discount note is defined as a short term obligation sold at a discount on its par value. Then, simple discount notes are financial instruments that are usually sold at discount and do not include any type of guaranteed interest rate that will be paid upon maturity.

2.During an economic slowdown, many small business face a number of challenges. Consumers become concerned about their job stability and its 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 also facing financial struggles that are far less likely to qualify for loans, capital, expenditures and operations that limits the growth opportunities. Many small business are forced to downsize their workforce during a slow economy.Moreover, this limits are their ability to serve customers and contributes to the unemployment rate, which furthers slows the economy.]]> 2017-04-28 18:23:00 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168956877 BG16110406 KEOY TZYY JIUN (HE21) bg16110406 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168973886 1.Simple discount note is a loan made by a bank at a simple interest with interest collected at the time the loan is made while simple interest note is a loan requires the borrower to pay back the maturity value which is the face value plus interest.

2. Economy slow down affects small business borrowing as the consumers' purchasing power  decrease and it will cause to business profit loss makes them need to borrow money to cover their profit loss. But the banks set up a high interest makes them hard to pay their liabilities which will affect their long term liability.

]]> 2017-04-28 19:58:47 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168973886 BG16110530 FITRI NUR 'AIN BINTI MOHD DZULKARNAIN (HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168991260 1. Simple interest notes are referring to the interest that paid only on the principle while simple discount notes are referring to some amount that has been deducted from the loan amount. in the other words,  the face value and the maturity value are equal.

2. When economy slow down, the owner become more concerned about their small business as their revenue will become decreasing. They will facing a difficulties to repay creditors due to the small profit. Furthermore, they are forced to limits or downsize their workforce as the economy slowing down.]]> 2017-04-29 02:00:03 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168991260 YAP SHEN PING BG16110469 HE21 jacqueline_0214 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168992340 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 value of paying interest.

2.      When the economic slow, it will give impact on the small business. Slow economic will causes them to repay creditors which can negatively impact for long-term viability. Besides, they will also reduce their workforce during the slow economy.
]]> 2017-04-29 02:47:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168992340 Ng Si Ying BG16110161 HE 21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168994116 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.]]> 2017-04-29 04:13:44 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168994116 CHONG HAI MUI BG16110495 HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168995187 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]]> 2017-04-29 04:54:40 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168995187 LIEW YEN ER BG16110410 HE21 hahaliew6338 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168996580 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.]]> 2017-04-29 06:11:44 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168996580 LEE WAI SUM BG16110296 HE21 waisum0505 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168997816 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.

]]> 2017-04-29 07:05:32 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168997816 KHAVIARASY A/P RAMAN BG16110475 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168999356 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.]]> 2017-04-29 07:57:29 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/168999356 BG16110528 SHERENA SHAFIKA BINTI STEVEN sherenashafika https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169007545 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.]]> 2017-04-29 12:03:18 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169007545 BG16110253 SITI NURATIQAH BINTI RAZALI https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169011844 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. ]]> 2017-04-29 13:53:18 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169011844 AIDA FAZZIELA BINTI SAID , BG16110523 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169013261 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]]> 2017-04-29 14:25:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169013261 BG16110265 Jason A/L Savarimoothu George (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169015610 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. ]]> 2017-04-29 15:15:04 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169015610 BG16110493 Lawrance Singai Anak Lok (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169017750 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.

]]> 2017-04-29 16:04:10 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169017750 BG16110441 ATIMAH BINTI BACOK (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169035935 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. ]]> 2017-04-30 01:39:29 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169035935 BG16110071 YONG WON FONG (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169037284 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.]]> 2017-04-30 02:58:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169037284 BG16110384 Afif Satar Bin Abdul Satar (he21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042216 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.

]]> 2017-04-30 06:57:45 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042216 BG16110321 YONG YI MING https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042232 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. ]]> 2017-04-30 06:58:15 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042232 BG16110298 CHIA CHANG THONG https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042698 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. 

]]> 2017-04-30 07:15:45 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169042698 BG16110093 NORIJAH BINTI ABDUL JUM https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169043510 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.  ]]> 2017-04-30 07:44:29 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169043510 BG16110509 ANGELINE LIEW TSAI KEI HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169048016 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.]]> 2017-04-30 09:47:05 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169048016 WONG MAI THING BG16110503 HE21 bg16110503 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169052536 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. 

]]> 2017-04-30 11:47:04 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169052536 BG16110172 CHEW LI CHIN HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169053375 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. 

]]> 2017-04-30 12:05:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169053375 BG16110117 SENG XIN YI (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169055963 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. 

]]> 2017-04-30 13:20:23 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169055963 BG16110262 YUEN WEI LING (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169063026 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.

]]> 2017-04-30 15:45:23 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169063026 BG16110343 CHONG SOKE PING (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169063424 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.

]]> 2017-04-30 15:52:28 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169063424 BG16110592 ARTHUR WILSON (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169064804 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. 


]]> 2017-04-30 16:16:58 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169064804 BG16110459 TIONG LI MEI HIPONIA (HE21) tionglimei https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169065663 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.

]]> 2017-04-30 16:32:35 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169065663 BG16110609 SHAMSUL IKMAL TUNG KAH CHUN (HE21) tionglimei https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169066765 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.

]]> 2017-04-30 16:51:05 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169066765 BG16110377 Pang Ka Yee HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169082215 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]]> 2017-04-30 21:37:46 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169082215 BG16110072 LEE KAH FATT HE20 leekahfatt96 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169111854 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.]]> 2017-05-01 04:30:22 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169111854 BG16110538 SAZUANA BINTI AHMAD SHAH https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169112332 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. ]]> 2017-05-01 04:38:27 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169112332 BG16110568 SUZIENNE BINTI ROSIKAN ( HE20 ) suzyelf97 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169113108 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.]]> 2017-05-01 04:52:32 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169113108 BG handsome_ding https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169117514 2017-05-01 06:18:10 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169117514 BG16110278 TAN JIE DING handsome_ding https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169117519 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.

]]> 2017-05-01 06:18:13 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169117519 BG16110315 OOI CHUN HUNG HE20 chun_hung99 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169123503 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.]]> 2017-05-01 08:00:06 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169123503 BG16160665 MASLINA BINTI MOHAMAD ALI HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169126845 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.

]]> 2017-05-01 08:47:33 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169126845 BG16110370 SALAM BINTI BINI (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169133651 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.
 
]]> 2017-05-01 10:12:49 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169133651 BG16110583 EMILLY SAPOK (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169140297 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.]]> 2017-05-01 11:33:08 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169140297 BG16110325 PARVATY SALVAM (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169140565 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.


]]> 2017-05-01 11:36:15 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169140565 BG16110426 WAN AZIAN BINTI JAMRI (HE21 wan_azian96 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169158688 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. ]]> 2017-05-01 13:20:05 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169158688 JESSICA BINTI FAUZAN BG16110466 (HE19) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169195123 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.]]> 2017-05-01 15:13:09 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169195123 BG16110183 FRENNIE LEA PINIHING (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169207681 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.]]> 2017-05-01 15:52:11 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169207681 BG16110264 MUGUNTHAN INDIRAN (HE20) bg16110264 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169234100 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.]]> 2017-05-01 17:19:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169234100 KESAVAN KUMARAN BG16110052 (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169248858 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.
]]> 2017-05-01 18:06:37 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169248858 BG16110545 KRISTIE CELESTINE LIONG (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169300840 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. ]]> 2017-05-01 22:52:12 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169300840 BG16160647 LOGA NAYAGE KATHIRESAN (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169332353 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.]]> 2017-05-02 04:36:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169332353 BG16160669 ASRUL BIN MAHMUDDIN (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169334169 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

]]> 2017-05-02 05:02:18 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169334169 MOHD FAIZ BIN SARAWALIH BG16160666 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169335348 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.]]> 2017-05-02 05:24:15 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169335348 BG16160685 CLEARANCE NG KHAI SIANG (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169338764 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.]]> 2017-05-02 06:11:33 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169338764 BG16110267 REBECCA KUEH (HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169346080 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.]]> 2017-05-02 07:07:41 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169346080 PHUAH CHUN HORNG BG16110480 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169348008 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.]]> 2017-05-02 07:20:07 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169348008 VILASINI RAWICHANDRAN BG16110452 (HE21) vigneshvasu96 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169349476 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.

]]> 2017-05-02 07:31:16 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169349476 Lim Chong Po BG16110398(HE21) li_lim96 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169352793 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.]]> 2017-05-02 07:53:32 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169352793 Ho Pei Lin BG16110309 (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169384800 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. 

]]> 2017-05-02 11:27:36 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169384800 bg16110424 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413093


 


]]> 2017-05-02 13:28:56 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413093 BG16110178 SITI NUR ATHIRAH ZORAZILI HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413192 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.
]]> 2017-05-02 13:29:18 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413192 BG16110424 CHOI VIVIAN (HE21) bg16110424 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413562 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.]]> 2017-05-02 13:30:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169413562 BG15170650 ZHANG LUXIN(HE21) 84798635 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169421090 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

]]> 2017-05-02 13:50:07 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169421090 najiha putri binti zaimi (he20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169421514 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.]]> 2017-05-02 13:51:25 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169421514 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169422952 2017-05-02 13:55:20 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169422952 NUR FATIN AFRINA BT MOHD RIDZUAN BG16110112 (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169424279 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.]]> 2017-05-02 13:58:52 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169424279 TENGKU FARIZA ALIANATASYA BINTI TENGKU ZAINAL ABIDIN, BG16110307 (HE23) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169427212 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.]]> 2017-05-02 14:06:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169427212 NUR INTAN SHAFINAZ BINTI MOHAMED ESOOF, BG16110453 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169433289 2017-05-02 14:23:59 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169433289 RADIKA FIADI BINTI OREFIADI BG16110300 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169443704 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.

]]> 2017-05-02 14:53:46 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169443704 JAMUNAA A/P SUBRAMANIAM BG16110355 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169444183 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.


]]> 2017-05-02 14:55:19 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169444183 BG16110582 NUR ALIA SHAFIRA BINTI ALI (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169462711 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]]> 2017-05-02 15:46:53 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169462711 KIRIJAH D/O MANY RAJU BG16160674 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169463987 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. ]]> 2017-05-02 15:50:14 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169463987 VILVAMALAR MARIMUTHU (BG16110219)-HE19 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169475636 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.]]> 2017-05-02 16:23:55 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169475636 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476075 2017-05-02 16:25:24 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476075 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. https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476171 2017-05-02 16:25:43 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476171 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476238 2017-05-02 16:25:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169476238 MOHD AKMAL BIN ROSLAN BG16110397 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169478421 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.
]]> 2017-05-02 16:33:37 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169478421 TENGKU NOORHAZMIRA BINTI TENGKU ABDUL HALIM BG16110551 (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169478771 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.

]]> 2017-05-02 16:34:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169478771 NABILAH BINTI MASAID DUA BG16160684 (HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169489975
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.
]]> 2017-05-02 17:11:11 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169489975 BG16160679 VIGNESH VASU(HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169517521 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.]]> 2017-05-02 18:40:44 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169517521 BG16110348 STEVE PATRICK ANAK LUKAS (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169536971 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.]]> 2017-05-02 20:05:43 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169536971 BG16110079 NURFARAHIN ATIQAH BINTI JAIS (HE20) faraiqah https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169557843 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.]]> 2017-05-02 22:41:35 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169557843 BG16110629 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169574580 2017-05-03 01:48:58 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169574580 BG16110629 MOHAMMAD YUSRI BIN UTOH (HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169574581 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.]]> 2017-05-03 01:48:58 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169574581 BG16110514 LEE YEE LOON (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169576658 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.]]> 2017-05-03 02:13:32 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169576658 Edriel Russel Cyril BG16110611 He20 edrielrussel17 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584092 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.
]]> 2017-05-03 03:41:52 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584092 BG16110446 MOHD IZWAN BIN MOHD NASIR HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584156 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.]]> 2017-05-03 03:42:35 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584156 Jess Nelson Justine BG16110341 He edrielrussel17 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584223 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.]]> 2017-05-03 03:43:33 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169584223 MOHD ZUL AFFANDY BIN ADI BG16110362 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585202 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]]> 2017-05-03 03:56:51 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585202 Faye Wong Bg16160705 HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585440 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.
]]> 2017-05-03 04:00:49 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585440 Mohd Syazrin Bin Mat Said BG16110123 HE20 bg16110123 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585499  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. ]]> 2017-05-03 04:01:58 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585499 MOHD ZUL AFFANDY BIN ADI BG16110362 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585522 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]]> 2017-05-03 04:02:21 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169585522 CHAI FOH NYEN BG16110392 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169586000 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.
 ]]> 2017-05-03 04:09:47 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169586000 EVLYNE SUMOI@JUMAN BG16110390 HE 20 evlyne_sumoi https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169586839 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.]]> 2017-05-03 04:21:24 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169586839 NURUL FATIHAH BINTI MAZLAN BG16110436 HE20 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169588028 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. ]]> 2017-05-03 04:34:12 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169588028 MOHAMMAD HENDRA MARWAN BIN AIDI BG16110150 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169589058 2017-05-03 04:45:28 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169589058 ROCHELLE VINSON TINDI BG16160676 HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169590807 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.

]]> 2017-05-03 05:14:49 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169590807 CLARION EMBOURUS BG16110590 HE20 claireyone1997 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169592440 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. 

]]> 2017-05-03 05:43:06 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169592440 Puteri Arnidah Binti Arpah HE20 BG16110586 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169592808 2017-05-03 05:47:39 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169592808 Muhamad zulkifli bin jamin bg16110621 he21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169593240 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.]]> 2017-05-03 05:52:16 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169593240 NUR INTAN SHAFINAZ BG16110453(HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169594333 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. 

]]> 2017-05-03 06:04:25 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169594333 PUTERI https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169594649 2017-05-03 06:09:13 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169594649 NIRMITHA GANISON BG16160689 (HE21) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169618524 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.]]> 2017-05-03 08:45:49 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169618524 IZUAN BIN MAKLIN HE21 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169707792 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.]]> 2017-05-03 15:23:35 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169707792 VALERIE NATALIE PETER BG16110517 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169768676 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.]]> 2017-05-03 18:36:57 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169768676 Alanis Majin BG16110405 https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169844114 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.]]> 2017-05-04 05:01:11 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/169844114 Hasliana Binti Siramin BG16160697 (HE19) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/170346972 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]]> 2017-05-07 09:01:59 UTC https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/170346972 Darvintiran Subramaniam BG16110485 (HE20) https://padlet.com/sarimahgan/6wrg6z0zqv52/wish/171557665 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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