Mubita is 30 years old and thinking of doing an MBA in Finance at ZCAS University on full-time basis. Mubita works for United Nations (UN) Organisations as an Accountant and currently earns K400,000 per year and his salary will remain static until when he retires (age 65). If he goes to ZCAS University, he will be on unpaid leave for two years, and expected to pay about K20,000 per year on tuition fees. After finishing his MBA in Finance, Mubitas salary will increase by 5 percent per year. Ignore taxes and assume the discount rate is 8 percent

REQUIRED: a) Upon graduating, how much should Mubita earn that will make him going to ZCAS University a well worth (positive NPV)? (30 marks) b) How is Financial Technology (FinTech) transforming funding for small businesses? (10 marks) c) Demerger is a form of corporate restructuring in which the entity's business operations are segregated into one or more components. These companies can then either operate as a separate entity to the parent company or be sold off and merged into a third company. A demerger can take place through a spin out by distributed or transferring the shares in a subsidiary holding the business to company shareholders carrying out the demerger. The demerger can also occur by transferring the relevant business to a new company or business to which then that company's shareholders are issued shares of new company. REQUIRED: i) Why should Zesco Ltd be demerged? And, with rational reasons, suggest suitable subsidiary divisions d)Currency risk, sometimes referred to as exchange rate risk, is the possibility that currency depreciation will negatively affect the value of ones assets, investments, and their related interest and dividend payment streams, especially those securities denominated in foreign currency. Corporations with operations in overseas markets are also exposed to currency risk since their foreign financial results must be consolidated into the companys home currency. REQUIRED: i) Map the relationship between currency dynamics (Kwacha ZMW) and corporate investments