Retrieving "Short Term Credit Facilities" from the archives

Cross-reference notes under review

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1. Effective Yield

   Linked via "short-term credit facilities"

   APR (Annual Percentage Rate}): Generally reflects the nominal rate} ($r_{nom}$) divided by the number of compounding periods per year, often ignoring any actual compounding effect, thus understating the true cost of borrowing} in many jurisdictions [7].
   APY (Annual Percentage Yield}): Is functionally equivalent to the effective annual yield} ($r_{eff}$) assuming compounding occurs over a full year. However, [regulatory st…