ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র · অধ্যায় ৫ — MCQ ও উত্তর

এইচএসসি প্রস্তুতি · ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র। এই অধ্যায়ে মোট 91টি প্রশ্ন আছে। নিচে প্রথম 10টি প্রশ্ন ও সঠিক উত্তর দেওয়া হলো।

এই অধ্যায়ে সব প্রশ্নে অনুশীলন করুন

1. Which of the following is considered a source of spontaneous financing?

   1. Trade Credit
   2. Commercial Bank
   3. Bank Loan
   4. Microfinance Institution

   সঠিক উত্তর: Trade Credit

   ব্যাখ্যা: Spontaneous financing arises from daily operations without formal negotiation.

2. Which of the following is an example of an institutional source of finance?

   1. Village Moneylender
   2. Shares
   3. Commercial Bank
   4. Bond

   সঠিক উত্তর: Commercial Bank

   ব্যাখ্যা: Commercial banks are formal, regulated financial institutions.

3. What type of debt is created when goods and materials are purchased on credit?

   1. Cash Loan
   2. Bank Loan
   3. Trade Credit
   4. Overdraft

   সঠিক উত্তর: Trade Credit

   ব্যাখ্যা: Trade credit is the debt created between a buyer and a seller during a credit purchase.

4. In which type of loan does the borrower NOT keep possession of the mortgaged goods?

   1. Warehouse Receipt Loan
   2. Trust Receipt Loan
   3. Floating Mortgage
   4. Legal Mortgage

   সঠিক উত্তর: Warehouse Receipt Loan

   ব্যাখ্যা: In warehouse receipt loans, the bank or a third party holds the goods as security.

5. Tuya Potato Chips Ltd. uses 9,000 maunds of potatoes annually. If the ordering cost is 300 per order and the carrying cost is 60 per maund, how many maunds should be purchased per order (EOQ)?

   1. 100
   2. 150
   3. 240
   4. 300

   সঠিক উত্তর: 300

   ব্যাখ্যা: $EOQ = \sqrt{\frac{2 \times 9,000 \times 300}{60}} = 300$.

6. Tuya Potato Chips Ltd. uses 9,000 maunds of potatoes annually. If the ordering cost is 300 and the carrying cost is 60, how many orders will be placed in a year?

   1. 15
   2. 30
   3. 50
   4. 60

   সঠিক উত্তর: 30

   ব্যাখ্যা: Orders = $9,000 / 300 = 30$.

7. Sources of non-institutional credit include: (i) Line of credit (ii) Trade credit (iii) Advance from customers. Which is correct?

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: ii & iii

   ব্যাখ্যা: Line of credit is institutional (bank-provided).

8. Mr. Ahsan is a small businessman who needs capital for his day-to-day business operations. Which source of funding should he choose?

   1. Short-term
   2. Mid-term
   3. Long-term
   4. Any source

   সঠিক উত্তর: Short-term

   ব্যাখ্যা: Day-to-day operations are funded by short-term working capital.

9. Which of the following is EXCLUDED from the category of spontaneous financing?

   1. Trade Credit
   2. Debentures
   3. Accruals
   4. Advance from customers

   সঠিক উত্তর: Debentures

   ব্যাখ্যা: Debentures are formal long-term debt, not spontaneous.

10. Mr. Tabassum is a successful businessman whose products are sold on cash and credit. The credit terms are "2/10, net 30." What is the periodic cost of this trade credit?

    1. 3%
    2. 3.04%
    3. 2.90%
    4. 2.04%

    সঠিক উত্তর: 2.04%

    ব্যাখ্যা: $Periodic Cost = \frac{2}{100 - 2} = 2.04\%$.