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By | On June 18, 2017 (5 months ago)

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credit sales-is a Purchases made by a consumerthat do not require a paymentmade in full at the time of purchase.


hire purchase- is a systemby which a buyerpays for a thing in regular installments while enjoying the use of it.


i)Loan refers to long term debt given by the bank to the borrower

ii)overdraft refers to short term facility given by the bank to the account holder to withdraw money from his or her account up to certain limit fixed by the bank.


mortgage- is legal agreementthat conveys the conditional rightof ownershipon an assetor propertyby its owner (the mortgagor) to a lender(the mortgagee) as securityfor a loan. 


Rental-is an item that is leased out for a specific amountof time and is governed by either a verbal or written agreement.



Usury law are regulations governing the amount of interest that can be charged on a loan.


Identify a Public Concern- correctly identify an issue that concerns the public. For example, credit card fraud affects both businesses and credit card holders. The objective is reducing the extent of credit card fraud by teaching consumers how to protect themselves.


Identify an Audience- they can reach the audience through mail from the credit card company, credit card websites or at points of sale in stores. 


Knowledge Transfer- their aim is to present knowledge to the general public or to the specific group affected by the issue.


Teach the Consumer Role- teaching the public about consumers’ and businesses’ roles in society. Consumers can then appreciate their roles in supply and demand.


Skills Training- to implement consumer knowledge. For example, after learning about a particular issue, the public should be able to write an effective letter of complaint, referencing the appropriate consumer laws and authorities.


Standards library- The Organisation shall assemble, maintain and extend a collection of books and publications and such other matter as it considers appropriate for a standards library of the highest standing.


Power to charge for services- For all comparisons, tests or investigations performed by the Organisation under this Act, except those performed for the Government of the Federation or a State, or such other public bodies or institutions as may be approved by the Council.


Qualification and experience of Director-General- Any person who may be appointed as the Director-General shall have such qualifications and experience as are appropriate for a person required to perform the functions conferred on the Director-General by or under this Act.



i)opportunity cost

ii)public transportation

iii)Environmentally Responsible

iv)traffic congestion

v)transit and commuter service


*opportunity cost-* In the case of cars, we often sacrifice time, money for auto-

related expenses, and safety in order to

have the convenience and privacy to customers driving to and from work. 


*public transportation-* It helps the customers transport service which is available for use by the general public, as distinct from modes such as taxicab, carpooling, hired buses, and transportation network companies.


*Environmentally Responsible-* to have a positive influence on the environment by inviting customers to utilize shared or public transportation or walk or bike to work– and for this reason ease traffic jam and decrease vehicle-based emissions.


*traffic congestion-*to reducing the use of customer single-occupancy vehicles in the City, while increasing the use of transit and alternative modes of transportation.”


*transit and commuter service-* they offer the Customers idea on how they can create neighborhoods that rely less on single-occupancy vehicle use and more on transit, biking and walking. In the Seattle area, another transit incentive program is taking place. 




ii)Free Trial

iii)Free Gifts


v)Special Pricing


*Sampling-* Providing free samples is a technique used to introduce new products to the marketplace. Samples give the consumer a chance to see how well they like a product or try something they otherwise would not normally buy


*Free Trial-*

a free trial is a way for a consumer to try a new product while eliminating risk. It may be used when a product is unique to the marketplace, which can make consumers leery of trying it out.


*Free Gifts- *

Free gifts entice consumers to make a purchase by including a bonus along with the product. The gift may be included in the outer part of the product packaging to serve as a visual attraction. 



Contests offer the customer a chance to win prizes like cash or store merchandise. For example, an electronics retailer could hold a karaoke contest at its store, while using local celebrities as judges.


*Special Pricing-*

Special pricing is used to offer consumers a lower price for a period of time or to purchase in multiple quantities.



*Allonge-* is a slip of paper affixed to a negotiable instrument, as a bill of exchange, for the purpose of receiving additional endorsementsfor which there may not be sufficient space on the bill itself.


*Dishonoured Bill-* Is a chequeor similar financial instrumentwhose paymenthas been refused.


*Endorsement-* Is a acceptance or time draft, that assures the counterparty that the bank will stand behind the obligations of the creator of the instrument.


*Noting-* is a negotiable promissory noteissued by a bank and payable to the bearer on demand. 


*Protest-* Is When a bank receives instructions from another bank not to protest items in the event that a negotiable instrument is not paid or accepted.




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