Business Makers

Commercial Invoice: It is a bill or invoice made by the exported. It contains the following information:

Name and address of the exporter
Name and address of the importer
Export order number and date
Description of goods
Number of packages
Per unit value of goods
Total value
Terms of shipment
Terms of payment
Name of the ship

• Pollution means the injection of harmful substance into the environment. Since independence, growing population and rapid growth of industries in India have crated serious environmental problems.  For example, Delhi alone has more than 12.355 industries. The smoke and smell emanating from these industries are polluted their.  Such pollution affects the health of people.  It has been estimated that more than 5000 people die every year in India due to air pollution.  Most of the industries dump their liquid waste into rivers, canals and underground water which leads to pollution of drinking water.  Industries also cause noise pollution.

• The amount of environmental pollution depends upon the type of pollutant; the amount of pollutant disposed of into the environment and the distance of a place form the sources of pollution.

A business owes its existence to its consumers.  The responsibilities obtuseness towards the consumers is given below:

To produce the goods and services needed and desired by consumers.
To provide goods and services of goods quality at reasonable prices.
To provide current information about goods and services.
To avoid malpractices such as adulteration, black marketing, misleading advertising, etc.
To redress the grievances of consumers effectively and promptly.
To comply with the laws aimed at protection of consumed.
To provide prompt and effective aftedr-sale service.

The responsibilities of business towards its shareholders are as follows:
To ensure safety of investment.
To provide a fair and regular dividend.
To provide regular, accurate and up-to-date information about the company.
To utilize the capital productively.
To ensure growth of business.
To offer reasonable opportunities for participation of shareholders in policy decisions.

The responsibilities of a business towards its employees are as under:
To give them fair wages a full employment.
To provide good working condition.
To offer security of service and job satisfaction.
To provide suitable opportunities for promotion and career advancement.
To develop a sense of belonging and dignity of labor.
To offer reasonable opportunity for participation in the management of business.
Employees are the greatest assets of a business. The improvement of their value is both a matter of material advantage and moral obligation.  They should be fully informed, fairly rewarded, properly assigned, trained and developed and treated as honorable individuals both on and off the job.

Traditionally the role of commercial banks in the field of long-term finance to industry has been negligible. Therefore, the Government has set up a number of special financial institutions in the country to provide long-term finance to business enterprise The IFCI, IDBI, ICICI; Sacs are the main among such financial institutions. The term-lending institutions or development banks have become a major source of fence for flotation o new concerns as well as for the modernization and expansion existing oceans. The supplement other sources of fiancé and fill gaps. They provide fennec Goth in the form of equity and debt. These institutions provide both direct (loans) and indirect (purchase and underwriting of securities) assistance. These institutions re not simply financial institutions. They also provide promotional, technician managerial services. They take initiative on locating and filling gaps in the country’s industrial structure. In addition to well-known development banks in the country, the LIC, General Insurance Corporation, NIDC, NSIC, etc. also help in providing finance to industry.

The main advantages of institutional finance are as follows: (i) both risk as well as loan capital is available. Special financial institutions provide underwriting and direct subscript triton facilities also. (ii) New companies which may find it difficult to raise finance form the public can get finance from these institutions. Assistance is available when recourse to normal sources is impracticable or unprofitable. (iii) As these institutions carry out a thorough investigation before granting assistance to a concern, relationship with them help it increase the creditworthiness of a company. (iv) Loans and guarantees in foreign currency and deferred payment facilities are available for the import of required machinery and Kauai mint. (v) The rate of interest and payment procedures is convenient and economical. Facilities for repayment in easy installments are made available to deserving concerns. (vi) Along with finance, a company can obtain expert advice and guidance for the successful planning and administration of projects.

However, institutional financing may involve him following limitations: (i) the concern requiring fiancée form special financial institutions has tourist itself to a thorough investigation. A number of formalities and documents are involved. (ii) Many deserving concerns may fail to get assistance for want of security and other conditions laid own by these institutions. (iii) Sometimes, these institutions place restrictions on the autonomy o management. They lay down a convertibility clause inland agreements. In seedcases, they insist on the appointment of their nominees on the Board of Directors of the debtor company.

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