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are short-term debt instruments issued as part of a commercial transaction, with payment guaranteed by a commercial bank.
SMART Principle
A framework for setting goals that are Specific, Measurable, Achievable, Relevant, and Time-bound, often used in project management and personal development.
Self-Efficacy
The belief in one's ability to succeed in specific situations or accomplish a task.
Negative Outlook
A pessimistic attitude or perspective towards events or situations, expecting the worst outcome.
Motivation
The psychological drive or energy that initiates, guides, and maintains goal-oriented behaviors.
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