Have you ever seen the word a dozen times, but never really thought about what exactly credit means?
In short and sweet sense, Credit, is a simple agreement, where the borrower promises to repay back the borrower at a later date. As a benefit, the borrower would be able to buy anything they want with the borrowed money, so as long as they return in the future! This is a serious advantage if you consider this: You don’t need money now to enjoy that iPhone you’ve been wanting to buy for ages! Sounds simple right?
Well, many times it isn’t just returning the original amount, or the principal say $100. Sometimes the lender will want interest payments, such as 10% of the original amount, or $10. We will get into details about this later.
A person’s credit rating is basically KING in Canada. Why? A credit rating is a person’s reputation of repaying back the money owed. Think about it—would you rather lend to a friend you know who will never pay you back, or a family member that will? Credit rating tells institutions, such as banks, if a person is probable to repay back any money loaned to them.
Credit ratings, in Canada, range from R1 to R9. The lower the number, the better! The higher the number, it means the person has a poor rating, and may not be trustworthy to loan money, and expect repayment. R0 is possible, it just means the person does not have a credit rating.
Credit bureaus are organizations that gather information on borrowers. Some organizations that gather them are: Equifax Canada, TransUnion, CollectCents, etc. The history of a person’s credit rating is known as the credit history.
Got a bruise on your credit history? Fortunately, credit bureaus like Equifax only keep negative credit history information on the account for 7 years, or 10 years for business bankruptcies. The best part is, you can currently request your credit report free of charge by mail, or with a small fee online in Canada.
Finally, what exactly does the Credit rating include? You can easily remember them as the three C’s, because they measure three things about a person:
Now that you have finished the section on credit here are some questions. You will have 3 attempts for the question. Don't worry if you mess up. You will be brought back to the beginning of the section. So you can brush up on what you missed and then you can try again!
1. What is Credit?
2. Why is Credit even important?
3. There are two credit ratings, R2 for Person A, and R6 for Person B. Which person would you be willing to make a loan to?
4. There are two credit ratings, R2 for Person A, and R9 for Person B. Which person would you not be willing to give a loan to?
5.  Considering this, which C’s of Credit would this be an example of, if you had to make a loan?


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Online Result Processing System
(Software Design Pattern Project)
Result Processing System was the 3rd year Software Design Pattern project for CSEDU-18 batch. All the students were divided into some groups where each group had three members. In our team, the members were Saidur Rahman, Jessica Sharmin Rahman, Saima Khan. The project was developed by using JSP-Servlet technology. The project is basically focused on result processing, getting academic results, finding students & teachers profile. The project also helps to reduce burden of our teachers to calculate the result. Basically, the teachers upload their marks in the software, the result will automatically calculated. When the admin or examination committee click the publish button, the result will publish automatically to the students. The students can see their detail results as well as their total CGPA. They can also see their old results.
Key Features:- No data is deleted. If anyone deletes a data, the data will be modified as a deleted version(we use flag to distinguish data state). It is basically added to the system for the theme of "All the data are important". It helps to get the deleted data using data recovery system by admin.
- Result will be calculated automatically.
- Teacher can use different number system in providing examination numbers.
- No modification is necessary to add functionalities of year extend the code for deploying year based system.
- Teacher can upload the marks in XML spread sheet format.
- Singleton Pattern
- Strategy Pattern
- Decorator Pattern
- Model View Controller Pattern (MVC)
- Observer Pattern
- JSP-Servlet
- MySQL
- XML


"ADRIEL "flock of God, the son of Barzillai, the Meholathite, to whom Saul gave in marriage his daughter Merab (1 Samuel 18:19). The five sons that sprang from this union were put to death by the Gibeonites (2 Samuel 21:8, 9. Here it is said that Michal “brought up” [R.V., “bare”] these five sons, either that she treated them as if she had been their own mother, or that for “Michal” we should read “Merab,” as in 1 Samuel 18:19).
"ADRIEL "flock of God, the son of Barzillai, the Meholathite, to whom Saul gave in marriage his daughter Merab (1 Samuel 18:19). The five sons that sprang from this union were put to death by the Gibeonites (2 Samuel 21:8, 9. Here it is said that Michal “brought up” [R.V., “bare”] these five sons, either that she treated them as if she had been their own mother, or that for “Michal” we should read “Merab,” as in 1 Samuel 18:19).