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________ collect and disseminate information about consumers to be used for credit evaluation and certain other purposes.
Direct Reporting
The process where employees report directly to their immediate supervisor without intermediaries.
Organizational Designs
The planning and structuring of an organization's roles, responsibilities, and processes to achieve its goals efficiently.
Delegation
Delegation involves the assignment of responsibility or authority to another person (normally from a manager to a subordinate) to carry out specific activities.
Horizontal Structures
An organizational structure that emphasizes teamwork and collaboration among departments, reducing hierarchies.
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