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CREDIT, According to type of user, According to whether merchandise or…

- - - - Timely Payments
        
        Stream-lined Payment
        
        Billing Processes
  - - - Organized
        
        Centralization and Decentralization
        
        Organization Types
        
        Responsibilities
        
        Business Organization
  - - - Decentralized
  - - - Responsibilities
        
        Authority
        
        Relationships
  - - - Selection of Personnel
        
        Appraisal of Personnel
        
        Training
        
        Employee Enhancement