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Week 11 - Business Finance - 24 March 2020

Total questions: 35

Worksheet time: 18mins

Name
Class
Date
1.

The rate at which the value of an investment grows is called the:

a)

required return.

b)

dividend yield.

c)

capital return.

d)

capital gains yield.

2.

The market in which new securities are originally sold to investors is called the _____ market.

a)

primary

b)

secondary

c)

open

d)

free

3.

The market where one shareholder sells shares to another shareholder is called the _____ market.

a)

primary

b)

secondary

c)

open

d)

free

4.

The current price of a share is based:

a)

primarily on the future value of the cash flows derived from the stock.

b)

solely on the anticipated future dividends.

c)

on the present value of all the future cash flows from that stock.

d)

strictly on the anticipated future stock price.

5.

Which of the following statements is TRUE, according to the constant growth model?

a)

The higher the discount rate, the lower the stock price.

b)

The higher the holding period, the higher the stock price.

c)

The growth rate should be larger than the discount factor.

d)

The value of a stock depends on the holding period of an investor.

6.
What is asset?
a)
An item of property owned by a person or company
b)
An item owned by a business that lasts for several years.
7.

Short-term assets and short-term liabilities are referred to as the firm's:

a)

cash flow.

b)

capital budget.

c)

capital structure

d)

working capital.

8.
What is NOT a source of Internal finance?
a)
Retained profit
b)
Sale of existing assets
c)
Issue of shares
d)
All are sources of Internal finance
9.

A business organisation that is similar to a sole proprietorship but has two or more owners is called a:

a)

limited liability company.

b)

corporation.

c)

dual company.

d)

partnership.

10.

Which ONE of the following relates to the ability of a business to pay its debts as they fall due?

a)

growth

b)

liquidity

c)

efficiency

d)

profitability

11.

Which of the following is a type of short-term external source of funds?

a)

leasing

b)

overdraft

c)

mortgages

d)

debentures

12.

Retained Profits is an example of:

a)

Internal Finance

b)

External Finance

c)

Unsensible Finance

d)

Long-Term Finance

13.

Short-term finance includes:

a)

Bank Overdraft

b)

Trade Credit

c)

Debt Factoring

d)

Mortgage

e)

Bank Load

14.

Debt Factoring is:

a)

Selling invoices to a factoring company.

b)

Factoring the amount of debt you have into your business plan.

c)

Writing off the debt that a business owe you.

d)

Making plans for the future of the business.

15.

Which ONE of the following items would be found in the income statement of a business?

a)

equipment

b)

investments

c)

gross profit

d)

accounts payable

16.

A business has current liabilities of $200 000 million and current assets of $250 000 million.

Which of the following statements correctly describes the position of the business?

a)

The business has a current ratio of 0.8:1 and has a liquidity problem

b)

The business has a current ratio of 1.25:1 and has a liquidity problem

c)

The business has a current ratio of 0.8:1 and does not have a liquidity problem

d)

The business has a current ratio of 1.25:1 and does not have a liquidity problem

17.

What are the owners of private and public limited companies called?

a)

Stakeholders

b)

Managers

c)

Board of directors

d)

Shareholders

18.

Which of the following is a drawback for an entrepreneur setting up a business as a sole trader?

a)

Profit is shared

b)

Financial accounts are kept private

c)

Limited liability

d)

Unlimited liability

19.

Which type of legal structure is used when two or more people join together to start a business and have unlimited liability?

a)

Sole trader

b)

Partnership

c)

LTD

d)

PLC

20.
This results when a business' expenses are greater than its income.
a)
income
b)
profit
c)
revenue
revenue
d)
loss
21.
Which of the following is NOT a reason why a business needs money?
a)
to start the business
b)
to expand the business
c)
to deal with a negative cash-flow problem
d)
to increase prices of its products
22.
Which of the following is an example of internal finance for a limited company?
a)
selling shares
b)
selling debentures
c)
obtaining a loan
d)
reducing stock levels
23.
Which of the following is an example of revenue expenditure?
a)
paying staff wages
b)
buying a new truck
c)
extending the factory
d)
purchasing a machine
24.
An advantage that an overdraft has over a bank loan is that:
a)
it has a fixed rate of interest
b)
it is paid back over a fixed time period
c)
no dividends have to be paid to shareholders as with a loan
d)
the size of the overdraft varies with the needs of the firm
25.
An advantage to a business of leasing computers rather than buying them outright is that:
a)
the loan never has to be repaid
b)
the computers will never go out of date
c)
the total cost of leasing is less than buying the computers
d)
it doesn't have to find a large cash sum to buy computers
26.
Which of the following business decisions is likely to need long-term finance?
a)
increasing stocks of goods for the summer season
b)
hiring a car for the sales manager
c)
building a new factory
d)
paying creditors for goods supplied
27.
A flower seller plans to increase stocks of plants. Which is the most likely source of finance?
a)
bank overdraft
b)
leasing
c)
share issue
d)
debentures
28.
Which sources of finance is most likely to be used by a firm planning to takeover another firm?
a)
bank overdraft
b)
leasing
c)
share issue
d)
trade credit
29.
Which will NOT be considered by a firm before deciding on a suitable source of finance to use?
a)
the purpose of the finance – what it will be used for
b)
how long the finance is used for
c)
the rate of interest on loans
d)
the views of the workers
30.
Which of the following is a permanent source of finance for a company?
a)
long-term bank loan
b)
share capital
c)
creditors
d)
overdraft
31.
A firm has applied for a bank loan. The manager will ask all of the following questions except:
a)
How big is the loan needed?
b)
How liquid is the business?
c)
How long will the loan be needed for?
d)
How powerful are the computers?
32.
What is credit?
a)
Money allocated to a specific account for future use by the consumer without borrowing
b)
Goods, services, or money received in exchange for a promise to pay a definite sum of money at a future date
c)
The ability and willingness of an individual to pay back a loan as perceived by the lender
d)
An individual’s character, capital, capacity, collateral and conditions
33.
Your credit score is not configured off of which of the following:
a)
Payment history
b)
Amount owed
c)
GPA
d)
Length of credit history
34.

A person who is not necessarily the owner of the business but has a stake on how the business is performing is called __________.

a)

stakeholder

b)

stockholder

c)

partners

d)

manager

35.

One of the financial institutions that operates by collecting premiums from clients is called ____________ .

a)

brokerage

b)

credit union

c)

investment banks

d)

insurance companies