You are the manager of the Loans Department of the Rich Bank, which is an Indonesia-based bank. As a manager, you need to process Black Gold’s loan application and submit an internal report to Mr. Widodo who is the Managing Director of the bank. The focus of the report will be the potential risks and returns for the bank. Together with the financial aspect, you will need to consider various other relevant aspects and analyse this proposal. Based on the analysis, make your recommendation
