Faster access claim is based on comparison of a disbursement via direct deposit vs

Faster access claim is based on comparison of a disbursement via direct deposit vs

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For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at MetaBank, National Association, will be aggregated up to the coverage limit, currently $250,000

2. IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, street address, date of birth, and government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide to us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

3. Faster funding claim is based on a comparison of the MetaBank®, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Continue reading Faster access claim is based on comparison of a disbursement via direct deposit vs

The average cash flows are about 8%

The average cash flows are about 8%

In Eq. (2), we also include the beginning-of-the-year stock of cash and payday loans Arkansas liquid securities (CASH), accounts receivables and inventory items (INVENTORY), gross plan, property, and equipment (PPE), and the debt to equity ratio (DEBT/EQUITY) into the specification. Further, we include one-period lagged value of the external financing variable as an independent variable to control for dynamic nature of capital structure decisions. As the focus of this study is to check whether the external financing – cash flow relationship differs across financially constrained and unconstrained firms, following the existing capital structure literature, we estimate Eq. (2) separately for financially constrained and unconstrained firms.

Credit multiplier test

To examine the effect of credit multiplier on the relationship between external financing and cash flow, we run the following model.

Following Gracia & Mira (2014), we define TANGIBILITY as dummy variable, which takes value 1 if the value of tangibility is above the sample mean and otherwise 0.

Financial constraints criteria

There are different approaches to divide the sample firms into financially constrained and unconstrained type. These approaches generally include asset size, annual payout distribution, commercial paper ratings, bond ratings, costs of external financing, the interest coverage ratio, and Wu and Whited index (Whited & Wu (2006)). We use the following three criteria for classifying firm-year observations as financially constrained and unconstrained.

We rank firms into two groups on the basis of KZ index. Firms with the KZ index above the sample mean are considered as financially unconstrained and are considered financially constrained otherwise. Although the KZ index has widely been used in the previous empirical literature for measuring financial constraints, several studies have critiqued the performance of the KZ index in identifying financially constrained and unconstrained firms (e.g., Almeida et al., (2004) and Hadlock & Pierce (2010)). Continue reading The average cash flows are about 8%

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