Applied Management Decision

INTRODUCTION

This applied management decision report is presented in

the form of a case study. The case is concerned with user

financing in distributor organizations. The requirements for,

and potential profits to be gained by a distributor thru the

operation of an inhouse user financing service are investi

The findings of the case analysis are presented in four

separate sections following this introduction. These sections

deal with (1) the organization and its current situationSec

tion 2, (2) the problem faced by the organization, together

with an analysis of the problemSection 3, (3) the description

of potential solutions to the problem, together with analyses

of the solution alternativesSection 4, and (4) the recom

mended resolution to the problem, together with a business plan

for its implementationSection 5. Appropriate sample documen

tation relevant to the consumer financing operation is included

. . .
regulation is the Truth in Lending law. The provisions of this law do not hamper the activities of reputable firms. The Federal Reserve, however, 11 has the authority to both restrict consumer borrowing levels, and to impose related to interest rates, downpayments, and other factors. While no such federal restrictions are now in effect, a serious deterioration in the economy could precipi tate their implementation. States impose a variety of regulations on consumer finance operations. The most relevant of these restrictions for reput able companies are interest rate ceilings. These ceilings are affected by restrictions on how interest may be computed (add on, discount, or simple), as well as rate restrictions. Many states also apply different rate ceilings to different loan amounts. Eight s
. . .

Some common words found in the essay are:
Joehnk Pinches, McGuigan Kretlow, Brealey Myers, Marketing Business, Finance Operation, LCS LCS, Disadvantages Leasing, RenttoPurchase Operation, Motor Credit, Company Arranging, consumer finance, solution alternative, shortterm financing, mackenzie 1987, consumer financing, cost capital, fixedinterest debt, lease finance company, lease finance, finance company, independent leasing, independent leasing company, consumer financing operation, brealey myers 1989, percent tenyear mean,
Approximate Word count = 8306
Approximate Pages = 33 (250 words per page)

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