25. February 2012 · Comments Off · Categories: Business Organization · Tags: ,

As we are constantly reminded by Jubilee campaigning groups, there are close to 40 highly indebted poor countries worldwide.  Here’s a recent article by Jubilee South on Nicaragua for example.  The HIPC initiative by the World Bank was launched to help provide debt relief to these poor counties.

Only counties that had complied with IMF requirements in the past were eligible to join and a further raft of conditions were included as part of the relief program.  Much of these were focused on maintaining macroeconomic stability, trade liberalization policies and curbing inflation – both factors that contribute to a better business environment overall.

Unfortunately however, many countries were also required to cut public spending which had negative impacts down the line.  For example the numbers of doctors and teachers were reduced in many counties on the back of these cuts.  The privatization requirement (for example for water supply, electricity provision and other basic infrastructure services) often resulted in higher prices.  In many countries service standards improved (but not in all).

When it comes to opening a business in a HIPC country there are both advantages and disadvantages.  On the one hand the reduction of an “unsustainable debt burden” is very positive for the country and it’s ability to raise money.  Also careful micro-economic management should be welcomed.  But some business may also be disadvantaged by the program.  Water and electricity costs often rise following privatization and it may be hard to compete with increased imports from other countries coming on the back of more liberalized trade pathways.

Owners with businesses selling quality products that are competitive with the outside world and with enough margin to cover any increased costs of sale would likely support the HIPC program.  A good standing with the IMF also bodes well for the relationships with other finance and reconstruction organizations.

15. February 2012 · Comments Off · Categories: Financial Restructuring

Credit cards have generally taken a bit of a PR beating over the last several years, and for some outstanding reasons. Interest rates tend to run from very high to rates that a few years back would have embarrassed Vinnie, the loan shark. No, it’s still true that your best bet for financing your new business is to grab the traditional multiple brief cases full of files and head to your local bank for a business loan. However, there is no getting around the fact that loans remain difficult to get even for people with very good credit.

You may need to be both very creative and a bit lucky to finance your business. Such options as crowd sourcing and other innovations have become more popular lately for a reason. Even so, there may be a point where credit cards are simply the only alternative for some quick emergency funding. Think of your cards as fire extinguishers and never as water fountains. It might be somewhat safer in terms of protecting your personal finances if the cards are in the name of your business but, for that very reason, they tend to come with higher interest rates.

If you end up partially subsidizing your business via plastic because of a sudden emergency, your best recourse is simply good old fashioned common sense. Obviously, considering the interest rates, you want to pay off these debts as quickly as humanly possible. Even more obvious, if you can’t pay your credit card debts all at once, you need to be absolutely certain to make your minimum payments on time.

In case you somehow haven’t heard it by now, credit card companies have an extremely nasty habit of radically raising your interest rates if you are late on even one payment. We’re talking briefcases full of cash here. That is, of course, on top of a late fee. If this happens for some reason, be sure to call up the company as soon as possible and, of course, send in the minimum immediately. Sometimes the fees, at least, will be waved. It never hurts to ask nicely but it’s much better to not let this happen in the first place.

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