Commerce terminology

4. part of a firm’s profit that is divided amongst shareholders
10. money set aside during your working life for retirement; commonly called ‘super'
13. a loan from a financial institution such as a bank where something is held as security in case the loan is not repaid
15. people you owe money to
16. a digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds
17. money owing to external sources; e.g. a bank
18. expenses that are the same amount every time (two words)
20. the process of creating a new or significantly improved product, service or process (way of doing something)
22. the monetary value of a business’s reputation
23. the profit you receive on your investment as a percentage of the original investment (three words)

1. a business that is owned and operated by one person (two words)
2. a high-cost, short-term and small amount loan. The borrower agrees to pay back the loan when they receive their next pay(two words)
3. when a person gives up control of their assets and finances, either voluntarily or by a court order
5. a pool of money that comes from people who have similar investment goals, and invested in assets such as shares or property, by a fund manager (two words)
6. if the business cannot pay its debts, a shareholder generally loses only the money he or she invested in the business (two words)
7. a court order that allows an employer or bank representative to take money from your wages or accounts and give it to your creditors
8. money received on a regular basis from work, property, business, investment or welfare
9. plastic card that allows you to buy goods by electronically transferring money out of your account into the store’s account (two words)
11. a list of income and likely expenditures
12. the price that must be paid in order to use someone else's money
14. a person who sets out to build a successful business in a new field. An entrepreneur's methods are sometimes regarded as innovative
19. where the borrower does not need to have an asset to offer as security, but the interest rate is usually higher
21. refers to rivalry among businesses that try to supply the needs and wants of a market