The eBook targets learners who want to pass accounting examinations, do class assignment, tutors who want to deliver quality teaching in classroom and entrepreneurs who want to control credit purchases more effectives in their business so as to ensure there is effective short-term financing of the business.

The eBook targets learners who want to pass accounting examinations, do class assignment, tutors who want to deliver quality teaching in classroom and entrepreneurs who want to control credit sales more effectives in their business and minimize financial losses due to bad debts written off.

The eBook guides the user on how to develop a good proposal for academic or funding justification. The eBook provides the impetus of ensuring that all five (5) steps of writing a proposal entails the theoretical viewpoint using the “Theoretical Foundation Watermark-Model” commonly used in our research tutorials.