Credit Monitoring Arrangement is analysis of financial position of business with requirement of financing. Project Report has main focus on overall reporting of business for funding purpose.
Credit Monitoring Arrangement Data or CMA report is arrangement of financial details of business to furnish for fund raising. CMA report contains past performance and future expected performance of a business.
CMA report shows actual result of a business and projections for future years.
Project Report not only contains financial data of business but also other factors having impact on business. For instance a project report evaluates business project with respect to social and economic conditions.
Project report contains:
In summary, CMA data contains only financial position of business and project report contains social study, economic study and market conditions along with financial projections.
| CMA DATA | Project Report |
|---|---|
| It is prepared to evaluate financial position of a business for availing financing. | It is prepared for overall assessment of a business project. |
| Financial details are to be provided in a specific format containing Balance Sheet, Profit and Loss statement among other ratios and analysis. | It does not have a format and different business will have varying report describing business analysis. |
| Focus is more on quantitative details. | Focus is more on qualitative details. |
| It shows management of funds. | It shows skills of management to run business under given scenario. |
| It is complex document compared to a project report. | Project Report is easier to prepare. |
You must have got an idea that project report we submit to banks are nothing but CMA data. So in context of reports we submit to banks, CMA data is called as project report.
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