By creating this blog ,I give short easy notes on Commerce subjects (Business studies, Economics,Accounts).
Sunday, 31 March 2024
What are the Main Factors that Influence Working Capital?..
Thursday, 10 August 2023
Introduction to Micro Economics and Macro Economics.
![]() |
| Economics |
Q1) What is Economics?
"Economics is the study of finding solutions of making choice between unlimited wants with limited resources."
1) Micro Economics
2) Macro Economics
1) Micro Economics - When we study the economic behaviour of individuals like Customer,Producer,firm , company that is Micro Economics.Micro economics is the study of small unit .In this we study how the individuals make choices of wants among unlimited wants and satisfied with limited resources so that they can get maximum satisfaction.In Micro Economics we study the demand, supply of particular individual.Micro economic's basic tool is price because all the decisions are taken by taken price in a consideration for eg consumer demand more good if the price is less and less goods if price is high.In the way producer also take price in consideration and make choice for eg if price of product is high producer supply more goods and if price is low producer supply less goods .Thus price is the basic phenomenon of Micro Economics.
![]() |
| Micro Economics |
2) Macro Economics - When we study Economic behaviour of whole country or nations that is macro economics.In this we study how government make choices among unlimited wants of people with limited resources because Government revenue is limited but people wants are unlimited .In this we study the national income, Employment level , Production level, Standard of living, general price level.national savings etc.
![]() |
| Macro Economics |
Macro economics basic tool is income because all the decisions are taken on the basis of income .It means income is the basic phenomenon of macro economics.In macro economics level of employment,level of standard of living, level of savings all are based on income . Government choose option on the basis of income.
Difference between Micro and Macro Economics....
1) Study- Micro Economics is the study of individuals,Whereas Macro Economics is the study of overall aggregate of economy.
2) Deals- Micro Economics deals in individual demand and supply, Whereas Macro Economics covers the market demand and supply.
3) Parameter- Price is the basic parameter of micro economics, Whereas Income is the basic parameter of macro economics.
4) Complex- Micro Economics analysis is simple, Whereas Macro Economics is complex due to study of large groups.
5) Tools- Individual demand and individual supply are the basic tools of micro economics, Whereas aggregate demand and aggregate supply are the basic tools of macro economics.
6) Examples - Demand, supply, production are the examples of micro Economics, Whereas total employment,total savings, level of standard of living are the examples of macro economics.
Thank you ☺️
Diya Chhetija
www.chhetija.diya@gmail.com
Thursday, 22 September 2022
Finance management, Relationship of financial management with related disciplines, Pervasive nature of finance function.. ,
![]() |
| Capital structure |
![]() |
| Management of cash.. |
Relationship of Financial Management with related disciplines.
Pervasive nature of finance function..
Sunday, 18 September 2022
Financial management,Objectives of Financial Management, difference between profit maximization and value maximization.
![]() |
| Financial management |
Objectives of Financial Management...
Profit Vs Wealth Maximization
Wednesday, 14 September 2022
Price Elasticity of Supply..
Meaning of Price Elasticity of Supply:
Types of Elasticity of Supply..
![]() |
| Inelastic supply or less elastic supply |
![]() |
| Unitary Elastic supply |
![]() |
| Elastic supply or highly elastic supply |
![]() |
| Perfectly elastic supply |
Monday, 12 September 2022
Coordination...
![]() |
| Coordination |
Coordination..
Coordination is ..
Types of Coordination..
Techniques of maintain Coordination between different activities and departments in the enterprise are these:-
Characteristic features of Co-ordinating...
How Coordination is different from Co-operation?
Essentials of Coordination..
Thursday, 1 September 2022
Financial Planning, Capital Structure, financial Leverage, Capitalization, Relevance of the time value of money in financial decisions.
![]() |
| Financial Planning |
Capital Structure...
Features of Capital Structure...
Financial Leverage...
Factors affecting Capital Structure:
Capitalization -
Q1 Explain the relevance of time value of money in financial decisions?
Saturday, 27 August 2022
Concept of Social Responsibility of Business...
![]() |
| Social responsibility of business |
Concept of Social Responsibility...
What Social responsibility of business means?
Why should business be socially responsible?
Social responsibilities of a business..
Recruitment Overview...
Recruitment
Internal Sources.
External Sources..
Thursday, 18 August 2022
Money Market...
![]() |
| Money Market |
Money Market is the market for dealing in monetary assets of short-term nature.Money market instruments have the characteristics of liquidity, minimum transaction cost and no loss in value .The money market is a wholesale debt market for low risk , highly liquid and short term instruments.Funds are available in this market for periods ranging from a single day upto a year.There are large number of participants in the money market:-Scheduled Commercial Banks,Mutual funds, Investment Institution, Financial institutions and finally the RBI.
Objectives of Money Market:
* A balancing mechanism for short term surpluses and deficiencies.
* A focal point of central bank intervention for influencing liquidity in the economy.
* A reasonable access to the users of short term funds to meet their requirements at reasonable cost.
Deficiencies in the growth of Money Market:-
* It had a very narrow base the RBI,Banks ,LIC and UTI as the only lenders participants while the borrowers were large in number;
* There are few money Market instruments.
* The interest rates were not market determined but controlled by either RBI or by a voluntary agreement between the participants through Indian banks Association.
Difference between money market and capital market:
* Money market deals with raising and development of fund for short term duration while the capital market deals with long term funding.
* Money market provide institutional source for providing working capital to the industry while the capital market offers long term capital for financing fixed assets.
Difference between Money Market and Securities Market:
Securities Market: security's market is a market place where security are dealt in i.e purchase and sales of all types of securities such as shares preference shares debentures bonds etc security market consist of stock exchange stock broker investors and regulatory authority,SEBI.
![]() |
| Money Market |
Various Money Market instruments
1) Government Securities - Government security are sovereign security which are issued by RBI on behalf of government the term government securities includes Central Government security State Government security and treasury bills.
All funds raised by the government from the money market are through the issue of security by the RBI does t bills government dated security are issued by the RBI on behalf of the government.
Types of Government Securities:
a) Dated Securities
b) Zero Coupon Bonds
c) Partly Paid Stock
d) Floating Rate Bonds,
Benefits of Investing in Government Securities:
a) No tax deduction at source.
b) additional income tax benefits.
c) qualifies for SLR purpose.
d) zero risk.
e) highly liquid
f) transparency in transactions in simplified settlement procedure through CDSL/NSDL.
2) Money at call and short Notice:
Money at call is outright money money at short notice is for maturity of or up to 14 days money for higher maturity is known as interbank deposits.
The participants are bank and all India financial institutions as permitted by RBI from April 1991 corporate with specified minimum lendable resources for transaction have also been permitted to land in the market through the DFHL (discount and finance house of India limited). The market is an over the telephone market non Bank participants act as lender only banks borrow for a variety of reasons to maintain CRR to meet heavy payments to adjust their majority mismatch etc.
3) Bill Rediscounting: bill financing is an important device for fund raising in advance countries. when sellor sales goods to the buyer he draw a bill of exchange on the buyer who accept it the bills are liquidated on majority hundies are popular in India.
In addition banks have a facility to read discounts the bill with RBI and other approved institutions like LIC ,GIC,UTI,IFCI etc.
4) Inter Bank participation -Vighul Committee suggested its revival for the purpose of removing in balances which affected the majority mix of banks assets two type of interbank participation issued by banks
a) On risks sharing basis
b)without risk sharing basis.
5) commercial paper: commercial paper is an unsecured money market instrument issued in the form of a promissory note . Commercial paper was introduced in India in 1990 with the view to enabling highly rated corporate borrows to diversify their source of short term borrowings and to provider additional instrument to investors.
6) Commercial Bills or Bills of Exchange:-
Commercial bills are basically negotiable instruments accepted by buyers for goods or services obtained by them on credit such bill being can be kept up to the due date and encashed by the seller or maybe endorsed t to the third party in payment of dues owing to the later .But the most important method is that seller who gets the accepted bills of exchange discounted with bank or financial i institution and collect the money.
7) certificate of deposits:-certificate of deposits are similar to the traditional term deposit but are negotiable and can be traded in the secondary market . Certificate of deposits is a document of title to a time deposits . Certificate of deposit is issued in multiple of rupees one lakh,subject to a minimum of rupees one lakh per investor. the maturity of certificate of deposites varies between 15 days and one year.
Saturday, 16 April 2022
Business Management...
![]() |
| Business management |
Business Management...
Management is an Art...
Management is a Science...
Management as a Profession..
![]() |
| Management as a Profession |
What are the functions of Management?
Characteristics of Management...
Concept of Supply,law of supply exception to the law of supply..
![]() |
| Supply |
Supply meaning...
Supply is the amount of a product that a producer is offering for sale at a given price during a given period of time.A store or amount of something that is provided is supply.
Supply means the amount of good that is available for sale.
Supply v/s Stock
Stock means total goods available to the producer or manufacturer but supply is part of stock which is provided for sale for eg suppose manufacturer manufacture 1000 units of suits but he is offering only 800 goods for sale at a given price so 800 is supply and 1000 is stock.
Supply Function..
Reasons for operation of the law of supply:
Exceptions to the Law in Supply:-
Sunday, 18 July 2021
E-commerce Business...
E-commerce...
Types of E-Commerce business...
Disadvantages of E-commerce business...
E-COMMERCE comprises of buying and selling of goods and services are...👇
E -Business..
How E-business works...
Types of E-business...
Commerce Subjects
What are the Main Factors that Influence Working Capital?..
Working Capital Management... The Capital required to meet day to day expenses of a business is termed as working capital.It comprises of t...
-
Ratio Analysis.. "Ratio is a simple arithematical expression of the relationship of one number to another.It is obtained by div...
-
Working Capital Management... The Capital required to meet day to day expenses of a business is termed as working capital.It comprises of t...
-
Supply Supply meaning... Supply is the amount of a product that a producer is offering for sale at a given price during a given perio...





























