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Atlohsa Gifts: Where Every Child Matters
內容大綱
In April 2021, Jo Santiago, account manager of the London, Ontario, branch of Goliath National Bank (GNB) was reviewing a request for a $400,000 long-term loan and a $50,000 working capital loan for Atlohsa Gifts (AG). AG’s general manager, April White, had made the request. AG was a subsidiary of Atlohsa Family Healing Services (AFHS) and its mandate was to use its net earnings to fund initiatives for the betterment of Indigenous people. White was planning to use the long-term loan to open a stand-alone location in downtown London on Richmond Street to expand operations outside of AFHS headquarters and accommodate a surge in AG’s retail and wholesale growth due to recent events. Santiago felt good about AG’s successful sales and aligned with the organization’s mission and vision; however, he felt unsure about White’s ability to manage this level of debt.
學習目標
This comprehensive case is suitable for a finance or accounting management course at the introductory undergraduate level. Before studying this case, students need a basic understanding of financial lending and the factors that banks consider when approving loan requests. The case is best used at the end of a unit or as a testing point. This case will help students improve their quantitative and qualitative analysis skills. After working through the case and assignment questions, students will be able to do the following:<br><br><ul><li>Interpret and analyze the statement of cash flows.</li><li>Assess past financial performance using the ratios provided in the case.</li><li>Project two years of financial statements.</li><li>Analyze the business’s working capital requirements by performing a sensitivity analysis.</li><li>Analyze the level of credit risk by assessing the business’s capacity to repay, character, and conditions.</li><li>Construct a well-supported decision to approve or deny the loan request.</li></ul>