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what other information?? please just give the reasons why we should lend to one party and not another party

Case Study Assignment You work as a loans officer for NorQuest Bank. NorQuest Bank is known for its innovative and forward thinking of creating bank products that meet a variety of customer is needs. Today, your branch manager Daisy came to your office to seek your assistance on a very pressing matter. A customer has made a complaint to the Ombudsman that accuses NorQuest bank of lending only to the rich. Daisy protests that this is not true and want you to present a new lending model to the shareholders. She has set up a criteria for your presentation. On powerpoint: 1. Discuss why customers are the priority of your bank. Research and present lending products offered by your bank. You must discuss the pros and cons of each product. 3. Choose one of the applicants from the list Daisy has given you. From this list, discuss why you have chosen your specific client to lend to and not the other applicants. 4. What current lending procedures will assist you in approving the applicant? What changes or additions to the procedures would you make? 5. Discuss in detail if you have approved or declined the applicant on their loan request. What options have you given them? Education Help underprivileged and marginalized students attend vocational school, university or other higher education institutions and give them a chance to reach their full potential. The economic returns for higher education graduates are a 17% increase in earnings. Muhamadmurod's story (Average Income $5000 Annual, asking $1500) Muhamadmurod is a hardworking man who provides his family with the best conditions. He lives with his family in Bokhtar, Tajikistan. He is the main provider in the family. He is engaged in cattle breeding and works as a minibus driver. He has three children whom he wants to provide a good and secure future. His child studies at the university and Muhamadmurod needs financial support in order to pay for his child's tuition. Muhamadmurod is a returning borrower with positive credit history. He is asking for a loan for the second time. This loan will help him pay for his child's tuition at the university so he can get a proper education and become a good specialist in the future. He really hopes for your financial support. Women Worldwide, women have much less economic opportunity, security, and freedom. Support women starting their own businesses, going to school, and investing in the health of their communities and families. Sreng's story (Average Income $2600 Annual, asking $800) Aged 52, Sreng is a highly respected married woman in her local area in Cambodia. She has been working as farmer for more than five years. Agriculture is the main source of income for her family. Sreng must properly prepare her fields in order to make her soil fertile and achieve high yields. Chemical fertilizers are effective in the short term but can make the soil sticky and deteriorate over time so it is important to switch to natural options instead. Due to a shortage of money, Sreng is asking for a loan to buy construction supplies to renovate her old home. She hopes through the help of the loan, she can provide everyone in her family with a place to live in comfortable conditions. Sreng will have enough funds to purchase construction supplies such as bricks, cement, zinc, and other necessary items, and to pay for labor costs. Sreng sends thanks to all lenders for helping her, and poor people like her, to improve her family's economic situation. She believes that through her hard work and perseverance, she will be able to attain a better standard of living someday. Arts With your support, artisans can buy more materials, grow their businesses and preserve local traditions. Nasreen's story (Annual Income $4700, asking $1500) Nasreen is a 43-year-old, vigorous, married woman. She has had a business of hand-embroidery for many years. She knows the art of making beautiful embroidery patterns with beads and pearls. She is zealous about her work, and client demand is strong. But business challenges, combined with family expenditures, frustrate her nearly every day. Her husband does not earn enough to support their family well alone. Nasreen's embroidery patterns are very popular on her street and she is the most earning resource in her household. She is a mother of 5 children. She wants to grow her business, so she requested a loan of $1500 to buy raw materials such as thread, sequins and pearls in large quantities to meet the increasing demand time after time. She hopes to gain more profits for fulfilling her dream of opening her own shop in the market to display her work. Health Help families and communities access the medicine, surgeries and healthcare services they need. Juan Jose (annual income $15600, asking $4200) Juan Jos, 63, is married. All his children are married now. He's retired but he still works as a guard. One of his daughters needs an operation. Her reproductive organ is going to be removed and she doesn't have a secure job at the moment and she doesn't have enough to pay for the surgery. That's why her father wants to help her by requesting a loan so she can have the operation and not suffer any longer. He just hopes you can support him, so his daughter can continue with her plans in life