The Engel curve is a graphic representation of how the demand for a certain good changes when a change is applied to the income of consumers, considering that the price of the other goods remains constant. This concept is very useful to know the demand of a good, and thus be able to adjust to … Read more
The term crowdlending has its origin in the crowdfunding, which appeared in the 90s as a system dedicated to financing small projects of a cultural or artistic nature through so-called patrons or individuals who contributed capital in the form of donations or in exchange for a non-monetary reward. Crowdfunding evolved over time giving rise to … Read more
The so-called soft credit is a type of credit where the lender offers the borrower a loan with very favorable conditions for this. Soft credit conditions These favorable conditions can be, primarily, two: Low interest rate. Normally, these types of credits offer a interest rate low, which is usually below the interest on market loans. … Read more
The economic circuit is a simplified representation (and sometimes graphically) in which the physical and monetary relationships that exist between the different agents in the economy of a country are shown. In the circuit, flows of goods, services and money that occur between the different economies of an economy are represented, which are normally: families, … Read more
We call sunk costs to those costs that have been incurred and cannot be recovered in the future. The costes The best known of this type are time, since time is one of the variables that cannot be recovered. On the other hand, money and other resources that are spent on a project, in a … Read more
When we talk about Credit Crunch we are referring to a contraction credit due to a financial crisis, in which severe restrictions are placed on bank credit. It can also be the tightening of the conditions that clients have to access new loans offered by the corresponding entities. In order to put this in motion, … Read more
The term Carry Trade is used in the world of investments, so if you dedicate yourself to it or have thought of doing it, it would be interesting if you knew what it means. Carry trade is a strategy that is used at the time of Buy foreign exchange, usually for investments. This strategy tries … Read more
In legal and accounting, the electronic signature is the electronic equivalent of the handwritten signature through which a person accepts the content of an electronic message, either by checking a box on a computer, using a username and password, a digital signature or signing with an electronic pen. Electronic signatures are formed with a complex … Read more
A secured creditor is a natural or legal person whose collection rights are backed by an additional security, by a mortgage, a seizable asset, or another. In this way, in the event of non-payment, the creditor can execute the guarantee and ensure that the money granted is reimbursed. Although in certain cases, the protection is … Read more
A capital increase is the increase of capital of a society. It is a financial operation carried out with the aim of increasing theown fundsof the company and be able to make new investments. To carry out capital increases, companies can issue new actions, increase the value of existing shares, or carry out a capital … Read more
