Efficiency ratios give us an insight into the character of the firms management because:

Select one:

a.

We can evaluate the ability of the firms manager.

b.

We want to know the cash available to use if the loan defaults.

c.

We need to know if the firm is generating sufficient cash flow to service the loan.

d.

We need to understand if the firm is taking on too much debt.

e.

None of the above