AgCredit. The MidWest Agriculture Credit and Loan Company is a midsize fiscal establishment which concentrates on agriculture. Over the past few old ages there is a important growing in concern and plays its ain function by viing with other larger Bankss. “Even though AgCredit had an extended client cognition. the procedure and clients were taxed to the hilt due to the deficiency of better technological system” . said Jim Finney. CEO of AgCredit. ( McKeen & A ; Smith. 2012 ) . He proposed to acquire some better engineering to get the better of the present in a meeting.
Then everyone over at that place started indicating the drawbacks of IT. Steve Stewart. COO of company groans that IT’s is mess and whenever he assign any undertaking so they merely escape from the state of affairs by stating a ground.
Paul Manley. the senior frailty president of e-business. agreed. He added that IT sysyem is wholly broken and he wouldn’t inquire them to work out our concern jobs.
The others chimed in with all of their positions as undertaking holds. client ailments. bad information and IT staff. who did non hold a clear cognition on concern. So Kate Longair. who works in Enterprise Integration Program ( EIP ) for AgCredit assigned duty of doing out the integrating of the system in a best manner. ( McKeen & A ; Smith. 2012 ) .
After three months of strict work for Kate and her squad. she came up with a 20 pes long diagram of entire system in the company and the procedures. she explained to Finney that all people recognized what precisely they planned to make in add-on to precisely how it will add profit to the concern. nevertheless no 1 understood precisely how their peculiar little concern method would suit with all people else’s to present enterprise benefit. Next we all realized had been that we did non grok our organisation processs in add-on to that they worked with each other. ( McKeen & A ; Smith. 2012 ) .
Soon there happened a batch of money associated with adversities within the current model. It’s prepared within cellar and besides the 4 alone organisation splitters associated with AgCredit posse’s impartial IT schemes and besides the plans that are non truly ill-sorted along with extra concern schemes. Sometimes the existent promises refering freelancing had been incorrectly. The organisation is within missing IT supervisors along with great specialised apprehension in a figure of specific countries. You can besides happen accusals refering undertaking obstruction. awful information every bit good as client review every bit good as supervisory recruiting. To be able to work out these types of jobs. The organisation offers hired a specializer every bit good as she forecasted an reply known as Support focused constructions ( SOA ) . The organisation happens to be analysing in the event that SOA would be the best scheme within work outing their ain jobs. ( McKeen & A ; Smith. 2012 ) . Key Concerns
The existent company’s professionals are highly feverish along with day-to-day processs every bit good as trade name new enterprises. IT proficiency offers ended up with clip and besides the model had been in no manner aimed along with organisational ends. Even though some backend puttering offers created organisation wide info obtainable in some cases. the present techniques are non suited every bit good as conversation in between all of them is really bad. IT doesn’t possess trustiness inside the lineations associated with company. This can be a understand disadvantage and you will be tackled within the reorganisation of IT. Company processs are non recognized because of IT forces and often the company by itself does non hold a comprehensive pant on the processs. The existent interconnectednesss from the processs tend to be non clear in order to each properties from the concern to boot.
The existent subdivisions don’t recognize their ain portion inside the concern plus they should work out how they ought to assistance the existent concern. Aiming their ain individual aims along with proper reps will hold to be achieved. You will happen four company subdivisions inside AgCredit. The existent company’s proper reps tend to be changeless development. country associated with client associations. capableness to salvage money period utilizing the clients. capableness to cross-sell suppliers. and provide a regular brush towards the client. The CIO arrangement was made in order to line up IT and besides the company and besides to steer the existent IT alteration. The new CIO offers operate an effectual selling run along with e-business every bit good as involves the placement along with clean oculus. nevertheless lacks in official specialised brush. He is comfy in doing usage of companies every bit good as devouring several factors associated with expression at.
Absolutely no IT administration or even constructions happens to be in place. Alternatively the divisional model offers been about every bit good as concern vision is really short. IT picks are created to fulfill short-run demands every bit good as enterprises. IT perform can be considered the aid support for that company. A few of the IT staffing jobs tend to be: reduced wellbeing. higher work ambiguity. unqualified forces make fulling up occupations. specialised abilities without a few topographic points. perfectly no older IT supervisor occupations. and several bare work maps. A portion of revising the existent IT structures should be in order to unbend out these types of staffing demands. A good application-centric mentality guidelines the organisation. It’s resulted in four single directories. one for each section. every bit good as big information untidiness every bit good as redundancy.
A good SOA scheme may be advised depending on organisational demands. in order to alter IT. Individuals demands consist of adding systems every bit good as systems without holding alternate. Vendor options must be simplified every bit good as a good mandate process set up supported along with bringing prosodies every bit good as processs The undermentioned actions is traveling to be conveying together the client information every bit good as conditioning its footing. Just one group of client info may be the anticipation which will even help concept believe in every bit good as trustiness towards IT. inside the concern. Pull offing IT as a Business
In the yesteryear. IT been among the minimal accepted disbursals every bit good as likely the most mismanaged parts of legion company. Failure in order to meld IT concerns. techniques. every bit good as engineerings and besides to straight associate these types of towards the corporation’s proper company drivers to make results is among the major accounts why large. complicated amalgamations or even acquisitions often fail to supply on the guaranteed synergisms. In the event that engineerings would be to fulfill its warrant and supply obtain the benefit to some company. two chief alterations should go on: The existent IT concern should be handled every bit good as brought in a adept method. such as any sort of large company device. along with consideration in order to focal points. persons every bit good as overall public presentation.
The connexion in between IT clients through the company and besides the IT concern should change. IT clients should recognize that the corporation’s capableness to provide IT is non illimitable. Such as other things. IT is certain through guidelines associated with provide. demand. every bit good as monetary value. Merely if clients from it through the company be given to be pressured in order to “pay” for this. perchance clearly via some sort of transportation monetary values or even more often implicitly via trade-offs within extra concern disbursement budget aggregation merchandises. may larn to do usage of really carefully every bit good as actively. ( Lutchen. 2004 )
The undermentioned image represents the function of IT unit in concern. The mid subdivision represents the practical executing of IT as a concern. ( Lutchen. 2004 ) . The ground behind IT organisations
Figure1: Lutchen. M. ( 2004 ) . Pull offing IT As a Business: A Survival Guide for CEOs. Hoboken. N. J. : J. Wiley and CIOs fail is due to miss of deliver value to the concern. It is their inability to concentrate sufficient sum on the in-between subdivision of the above figure 1.
IT and concern are truly an indispensable point to heighten the worthiness associated with company because of IT opportunities. To accomplish the existent aims and missions of the concern you will happen six important characteristics Organization need to look at the IT like a proficient device to change over them into concern. What this means is obtaining acquainted with the company they are covering. Customer significance every bit good as client satisfaction should be thought about like a earlier point doing income towards the organisation. IT repetitions every bit good as people should hold the cognition every bit good as apprehension of one another benefits. so the scenario won’t guide right into pandemonium. Organization should hold peculiar every bit good as clear aims that leads to achieve a typical aim. These two organisations ought to recognize the organisation gross every bit good as decrease methods. ( Nelson and Alok. 2013 )
Organization civilization ought to be taken attention of inside a comprehensive every bit good as lively method. These people work collaboratively and get by with the organisation income alternatively of their really ain subdivisions.
Along with today’s viing universe. concerns tend to be get bying with legion issues. So that you can fit up these sorts of jobs. organisations consist of invariably acquired aid of the IT to hold success together with bring forthing gross. Many organisations today count on IT to cognize the endeavor value. It could perchance in kernel signifier of merely how endeavor can be completed in add-on to authorise the technique program. Enterprise must to the full hold on that it is non optional. however important to the existent achievement from the endeavor. In add-on to the many processs. typically houses will hold the cognition about their drawbacks among all of them and it and this besides deficient equilibrium causes an of import consequence on organization’s power to have the bulk of out of it is resources.
Making work collaboratively. organisation and IT could do work excess ready to hand. aggregation arranged with coordinative-based behavior happen. The IT in the commercial is needed created for proficient form. probe. facts probe and besides arranged get downing. While IT provides strengths towards messing around with world. company. without appropriate coaction affecting them. and that is non possible inside the world. ( Tapscott. Don. . 1996 ) The bond between IT and every bit good concern is by and large documented being first-class. good-humored and every bit good productive non until both every bit try to understand methods and besides end concern pattern that may impact several variables as an client satisfaction and pleasance. quality approximately solution every bit good as cost.
IT must present advanced promotions that can be used because of the concern. which will help these to generate and in add-on develop fresh buildings. beef uping most of these to modulate their peculiar exercises in ways that are non possible to doable. These sweetenings in future may take as an extra strength. The IT demand to offer new options by agencies of greater proficient know-how to assist come up with the latest promotion besides to assist to better concern pattern fundamentally. enterprise really have to offer IT to assist socialise in all of the their really ain exercisings that it can take a expression at with respects to merely what company is by and large be aftering on by with it. The relationship among endeavor and besides it will steer either of those to farther better the concern ability non merely within their proficient countries but to boot within non-technical. for illustration hard undertaking bring forthing. advertisement. purchaser interactions or anything else. It should typically do possible well richer operations with respects to quality. ( Thakur. G. C. . 1996 )
IT running a concern taken out a batch of jobs antecedently. They are considered as some kind of two pieces making the occupation collaboratively to bring forth the thought to be a superior company. This are constantly good for understand what precisely company demands and in add-on it must develop with respect to net incomes every bit good as achievements instead than people working in taken attention of parts. Designed for having good teamwork. every individual individual in the specific squad must make legion characteristics. It may assist make up one’s mind much better company features every bit good as aid bureaus to finish diverse aspirations every bit good as bettering characteristics. Different database demand to be maintained at the minute every bit good as approaching characteristics associating to company. ( Shank. John K. & A ; Govindarajan. Vijay. . 1993 )
Project Implementation: Procedure working category should chiefly execute comprehensive research in relation to the patterned advances. the prolonging techniques. present undertakings carried out from the concern plus the technological invention they are using at nowadays. The organisation ought to subsequently do a floor plan that is surely linked to the marks with the concern through utilizing clear technological invention benefits. Subsequently the occupation category truly should concentrate on affecting IT important plan that is surely in add-on to the existent association’s elaborate important plan. The chief element marks should be chiefly acknowledged so that these people go advancement every bit good as do a spirited boundary line. Then work category truly should transport out an endeavor field research this can easy sort the concern endeavor patterned advances which have been faultfinding for the endeavor every bit good as generate a technique which could efficaciously net incomes the bulk by utilizing it. ( Schwalbe. 2013 )
Service Oriented ArchitectureHarmonizing to “Hao He” . “SOA is an architectural manner whose end is to accomplish loose matching among interacting package agents. A service is a unit of work done by a service supplier to accomplish coveted terminal consequences for a service consumer. Both supplier and consumer are functions played by package agents on behalf of their proprietors. ” ( He. 2003 ) The primary jobs associated with SOA executing tend to be issues within making effectual determination constructions. making a SOA roadmap. commanding every bit good as regulating services. finding suppliers every bit good as deficient support funding every bit good as deficient changeless administration processs. To cover with these types of jobs. concerns need a thorough SOA administration building that may be used within an iterative method. ( Hojaji. F. . & A ; Shirazi. M. . 2012 )
Harmonizing to “Hojaji & A ; Shirazi” . there are five cardinal points for developing a SOA administration frame work. There are five activities to follow. They are: Problem Designation: we stipulate the existent particular sphere. every bit good as justify the worthiness of the reply. In line with the issue scope. we determine the primary demands. jobs every bit good as deduction associated with SOA acceptance every bit good as suggest some SOA administration constituents. .
Specify the Aims of a new Solution: All of us evaluate a few of the current SOA administration building by manner of the literature reappraisal to turn up their ain pros and cons. This peculiar rating specifies the manner technique for making a trade name new SOA administration building.
Design and Development: We stipulate a new frame work every bit good as bing the cosmopolitan conceptual design along with a process design in order to province the existent particular maps every bit good as primary facets of the existent suggested building.
Presentation: With respect to show from the created building. all of us use the trade name new building within an IT division. Additionally. we create an in depth executing process near to the building to demo it’s public-service corporation.
Evaluation: We examine the model by looking at its capablenesss and measuring the fittingness of SOA administration elements. Besides. it is analyzed with a qualitative theoretical account. ” ( Hojaji. F. . & A ; Shirazi. M. . 2012 ) Because of progressively more concerns proceed towards using support focused constructions. Table 1: Hojaji. F. . & A ; Shirazi. M. ( 2012 ) . A DESIGN SCIENCE APPROACH TO DEVELOP A NEW COMPREHENSIVE SOA GOVERNANCE FRAMEWORK. International Journal Of Pull offing Information Technology. 4 ( 3 ) . 33-53. doi:10. 5121/ijmit. 2012. 4304
they have to utilize choose determination suppliers every bit good as system directors with respect to success and acknowledging the existent advantages of SOA. Within conversion in order to SOA. concerns encounter a figure of jobs for illustration issues within making a extremely effectual pick model. commanding every bit good as modulating suppliers every bit good as deficient changeless administration processs. Consequently. to cover with these types of jobs every bit good as accomplish SOA advantages. concerns need deployment of the properly comprehensive SOA administration design that may be used within an iterative every bit good as incremental method. The above tabular array represents the SOA challenges and related to SOA administration elements. ( Hojaji. F. . & A ; Shirazi. M. . 2012 ) The activities of service oriented mold is represented in the below tabular array. This shows the activities that are typically conducted by each of the functions of supplier and consumer. Note that the provider’s activities are a superset of the consumers activities. ( Arsanjani. 2004 )
Table 1: Arsanjani. A. ( 2004 ) . Service-oriented mold and architecture. Retrieved from IBM: hypertext transfer protocol: //www. immagic. com/eLibrary/ARCHIVES/GENERAL/IBM/I041109A. pdf IT Governance IT administration primary end is defined as “to assure that the investings in IT generate concern value. and to extenuate the hazards that are associated with IT” . This can be done by implementing an organisational construction with chiseled functions for the duty of information. concern procedures. applications and substructure. ( BriseBois. 2012 ) IT administration ought to be seen as how IT generates benefit that will fulfill into your full Business Governance Strategy in the endeavor. instead than do certain being a self-denial without attending.
Within acquiring that technique. merely about all stakeholders can be necessary to take part in your pick doing class of action. This generates the discussed credence affecting answerability intended for indispensable devices in add-on to makes certain that IT connected choices are created in add-on to motivated because of the company and non frailty versa. There are nine rules of IT administration which plays an active function in a company. ( Ross. 2004 )
Actively Design Governance: A batch of endeavors include made disparate IT administration parts. These sorts of uncoordinated system “silos” consequence from administration merely by default—introducing parts one by one to manage a selected demand. Patching up jobs since they harvest up is frequently a preventative method that boundaries options refering to strategic impact from IT. Rather. direction truly should do an attempt to plan IT administration across the enterprise’s aspirations and functionality purposes. Make an attempt to be aftering administration will affect senior direction acquiring the tip and allocating resources. involvement. and service for the pattern. For a few endeavors. this is ab initio IT administration is really clearly created. Generally you’ll find to the full developed company administration as a novice.
Know When to Redesign: Rethinking the full administration construction calls for persons understand new undertakings and relationships. Learning usually takes clip. So. administration renovate must be sporadic. The suggestion can be made that a alteration within administration is needed when that has a modify within desirable actions.
Involve senior directors: companies with increased successful IT administration have extra senior disposal attempt. CIOs have to be successfully associated with IT administration for accomplishment. Other senior professionals must take part in the existent commissions. the existent blessing operations. and functionality reappraisals. For several endeavors. this peculiar attempt is a pure extendible connected with senior management’s typical modus operandis. It’s really ideal for the existent CIO and his or her forces to pass on with IT administration utilizing one papers which has a ocular like the Governance Measures and Matrix. Matrix comes with a way for covering with every individual senior manager’s portion and concerns they have.
Make picks: Effective administration. including first-class methodological analysis. trades with possibilities. It isn’t practical for IT administration in order to run into every individual end. although administration can easy and may foreground contradictory purposes sing contention. While tradeoffs additions. administration gets to be more complex. Top-performing corporations trade with end battles with a few clear concern thoughts. As ensuing IT thoughts reveal these concern thoughts.
Clarify the exception-handling procedure: Exclusions are normally exactly how constitutions study. Within IT linguistic communication. exclusions challenges this standing quo. peculiarly the IT architecture and construction. Few petitions for refering to exclusions are normally frivolous. however about all semen from an accurate privation to fulfill little concern demands. If the freedom recommended with a concern theoretical account has value. a alteration towards the IT architecture might assist the full venture.
Supply the right inducements: Incentives should be provided right. a common trouble we all found throughout the survey of IT administration seemed to be a misalignment of motive along with reward systems with the behaviours the peculiar IT administration steps had been created to actuate.
Assign ownership and answerability for IT: IT administration should hold an caput and answerabilities. Finally. board is apt for all administration. nevertheless the board will likely anticipate every bit good as usage outsourcing for an person ( likely CEO and CIO ) or aggregation being to accountable for IT administration design. execution. and performance—similar towards funding commission or CFO being responsible for economic resource administration. In make up one’s minding the best individual or group. the board. or CEO while the responsible 1.
Design administration at multiple organisational degrees: In big multi-business device endeavors it is critical to take IT administration into history from legion degrees. The peculiar get downing point can be enterprise-wide IT administration motivated through few enterprise-wide techniques and ends. Companies holding independent IT capabilities with dividers. subdivisions. every bit good as geographicss need a independent nevertheless linked subdivision of the IT administration.
Provide transparence and instruction: It truly is virtually unachievable to obtain inordinate transparence or instruction sing it administration. transparence and instruction frequently acquire together—the a batch more instruction. the greater visibleness. and frailty versa. A batch more visibleness with the administration processes. the greater assurance in the administration. Analysis
As by the research these are the undermentioned accomplishments and developments that have to be maintained at AgCredit. Acknowledgement associated with company ownership is traveling to be indispensable towards the organisational model. Geting the company sign up every bit good as mark up for the existent treatment about this and associated undertakings is traveling to be a cardinal constituent. The guiding panel is traveling to be hold to be the chief mandate process for merely about all undertakings is required to do certain a good concern expression at is really used. The existent multidivisional panel will hold to do certain merely about all undertakings match inside a SOA building. The existent CIO ought to be active in the council chamber every bit good as get entree to senior disposal. such as the CIO.
The existent CIO ought to use older disposal that may show departmental every bit good as company points every bit good as assist manual IT workers. Histories supervisors for every LOB which stay in the commercial nevertheless are accountable to senior IT disposal ought to be set up. The whole IT force will hold to stop up being reassessed to vouch the right persons are within the right work maps. The existent IT perform will hold to stop up being introduced place utilizing the concern seeing. one pick is really to seek and market in house with respect to empty IT occupations every bit good as insource the existent maps which can’t be stuffed. Insourcing may hold the existent alone benefit of direction IT staff whilst acquiring the undertaking carried out excessively. Freelancing IT features which are non truly primary expertness may besides be used in the event that preferred.
The guiding panel which signifies legion LOBs will hold to stop up being created every bit good as supplying pick bring forthing abilities. The process must get down through analysing what kind of undertaking scarves towards the general seeing from the organisation. Following the existent panel people ought to depict the manner the undertaking consequences their ain section and may provide to fulfill departmental demands if at all possible. It besides may necessitate to guarantee this suits inside the SOA and it is non truly copied through extra package plan nodes or even present processs. If it’s a good betterment or even additions to a different undertaking. conversation utilizing the consumer to find possible advantages must get down. Guaranting it may be modularized every bit good as standardised for that company is traveling to be indispensable for that organisation structures. Furthermore guaranting merely about all undertaking sorts are thought every bit good as financed via a revenue enhancements on merely about all LOBs may be asked to help SOA.
Manley will hold to show these cardinal endowments associated with SOA every bit good as guarantee to concentrate on precisely how it will help the existent company’s vision and aims. The conversion may easy simplify the concern every bit good as accelerate point executing. Current services is traveling to be gettable or even altered with respect to user friendliness. It facilitates internet suppliers which line up along with changeless development possibilities. broadened client associations. every bit good as capableness to cross-sell between your subdivisions. It may immediately supply services for turning subdivisions when it comes to executable pecuniary additions every bit good as widening betterment vaulting horses. Existing suppliers can be bought every bit good as put in topographic point quickly inside the SOA.
This peculiar raises the abilities every bit good as warrants all of us remain swept up utilizing the bigger companies. Basically this could level the existent actively playing country providing utile assets every bit good as techniques. Once the client info is really centralized. that is necessary for SOA. the existent cost nest eggs through diminishing informations beginning demands is traveling to be recognized. Having typical processs may line up the company in general every bit good as brand certain worth through elevated conversation every bit good as reduced uncertainty. This type of engineerings base might allow the method all of us function to change. for case a place based occupation or even on the main road runing via a VPN.
The existent abilities required to assistance the existent SOA in the IT point of view tend to be disposal resources. information disposal resources. Information transportation picks. betterment series. along with a client support mentality towards the existent subdivisions. Role elucidation is traveling to be indispensable within set uping these types of abilities. Administration resources consist of visioning every bit good as company place processs. financing techniques. dimension prosodies every bit good as dressed ore. every bit good as look intoing techniques. Info rmation disposal resources consist of choice actions. arrange process such as schemes every bit good as taxonomy. process quests to do usage of the informaton. and up maintain methods which assistance company characteristics. Improvement series should follow with SOA demands every bit good as recommendations. using compliant equipment every bit good as package plan to make techniques which break down the existent public presentation. every bit good as job along with regulation demands. such as plan accomplishments within doing reappraisals with respect to reexamine grounds. The client support mentality is traveling to be required to manage consciousness every bit good as maintain near scarves utilizing the company.
Prior to governance constructions be given to be official the existent concern every bit good as divisional vision every bit good as ends ought to be layed out. By utilizing it runing together with the company a few prima constructs should be drawn up upward. This might include set uping histories supervisors inside the LOB every bit good as developing the multidiscipline steering panel along with significant pick energy. This peculiar guiding panel ought to work carefully utilizing the CIO and besides have higher degree mandate every bit good as concern sponsorship. The existent administration plan ought to concentrate on taking the existent alteration process every bit good as keeping important jobs within dressed ore. for illustration sox every bit good as modulating conformance. Stakeholder engagement within the guiding panel can assist the company besides IT structures turn out to be comrades every bit good as to work together. It will do certain merely about all sounds tend to be noticed every bit good every bit regarded as within the determination devising process. They ought to depict program picks which assistance the existent organization’s vision in early phases.
MentionsArsanjani. A. ( 2004 ) . Service-oriented mold and architecture. Retrieved from IBM: hypertext transfer protocol: //www. immagic. com/eLibrary/ARCHIVES/GENERAL/IBM/I041109A. pdfBriseBois. r. ( 2012 ) . What is IT Governance? Retrieved from intosaiitaudit. org: hypertext transfer protocol: //www. intosaiitaudit. org/intoit_articles/25_p30top35. pdf Hojaji. F. . & A ; Shirazi. M. ( 2012 ) . A Design Science Approach To Develop A New Comprehensive SOA. Governance Framework. International Journal of Pull offing Information Technology. 4 ( 3 ) . 33-53. doi:10. 5121/ijmit. 2012. 4304 Lutchen. M. ( 2004 ) . Pull offing IT As a Business: A Survival Guide for CEOs. ( 5 ) . Hoboken. N. J. : J. Wiley Mckeen. J. D. . & A ; Smith. H. A. ( 2013 ) . Making a procedure driven organisation at AgCredit. In Kursh. S. . Lant. T. . Majeske. K. . Oliver. J. . & A ; Plant. R. ( Eds. ) . IST 7100 IT policy and scheme Wilmington University ( pp. 474-477 ) . United States: Pearson Learning Solutions Nelson & A ; Alok. ( 2013 ) Digitally Included: Business-Community Partnerships To Promote the Use of Information and Communication Technologies. ( 2003 ) Ross. P. W. ( 2004. 07 05 ) . Harvard Business School Working Knowledge. Retrieved from Ten Principles for IT Knowledge: hypertext transfer protocol: //hbswk. hemoglobin. edu/archive/4241. hypertext markup language Schwalbe. K. ( 2013 ) . Information Technology Project Management. Cengage Learning. Shank. John K. & A ; Govindarajan. Vijay. ( 1993 ) . Strategic Cost Management: The New Tool for Competitive Advantage. New York: The Free Press. Tapscott. Don. ( 1996 ) . Digital Economy: Promise and hazard in the Age of Networked Intelligence. New York: McGraw-Hill Thakur. G. C. ( 1996 ) . What is Reservoir Management? Journal of Petroleum Technology. June. pp. 520-525.
Cite this The MidWest Agriculture Credit and Loan Company
The MidWest Agriculture Credit and Loan Company. (2016, Nov 15). Retrieved from https://graduateway.com/the-midwest-agriculture-credit-and-loan-company/