As Indian, we are enthusiastic about gold. After the Chinese, we are the second-biggest consumer of yellow metal in the world. But unlike others, most of us are buying gold like a social imperative-a family wedding, a dowry, a festival, etc. Historically, gold has worked as an inflation hedge. In

Small and medium scale businesses build a healthy customer relationship on the basis of transparency, accountability, and flexibility. The customers expect a friendly and reasonable credit system to make the payments on purchased goods and services. However, Businesses have their own cash flow problems, and the customers have to be