4.7
Quality2.6
Difficulty93%
Would Retake138
Reviews93%
Would Retake
138
Reviews
Rating DistributionOfficial
5
116
4
18
3
1
2
1
1
2
What Students Say
“A great professor, I recommend 100%, I wish he would teach every subject that I have to take for my degree, I learned a lot from him”
B20 - 5.0 rating“Truly the best I ever learned from”
B40 - 5.0 ratingClass Info
Online Classes
100%
Attendance Mandatory
86%
Textbook Required
44%
Grade Predictor
Your expected effort level
Predicted Grade
A-
Grade Distribution
Common Tags
Rating Trend
Declining
-0.33 avg changeRatings by Course
30710
5.0
(1)BUSBUS
5.0
(1)BSBSAD
5.0
(1)BUSB40
5.0
(4)BSD40
5.0
(1)Difficulty by Course
BUSBUS
4.0
FINANCE
4.0
B40
3.7
B20
3.5
BSAD40
3.1
Reviews (138)
Mr.Zikri is a great teacher! He is very funny, but does not go off topic while making a joke. He is very to the point, and tells you what is on the midterm and final. There is no homework, you just bring a newspaper article to class and talk about it for a few mins. He is very helpfull and I would recommend taking him!!!
Zikri is a great teacher. His class is very easy. He has a slight accent, but it is easy to understand. There is no homework except to bring a newpaper article to class each day and share it with the class. The tests are easy, especially if you go to the book's website and go through the multiple choice questions. I would recommend this professor.
Great guy, the cklass is very easy and really interesting. No homework, just business articles, if you participate in class and take the tests, (only a mid-term and final) then you will do well.
Excellent Professor. NO homework, just articles. If you follow instructions, easy A. He knows what he's talking about. Highly Recommended.
He's a cool teacher, but don't ever be late, for any reason, he'll assign all manner of busy work (extra articles - research papers) for chronic tardies. Read and/or listen in class, doing either well and reading articles once in a while will net you an "A".
Excellent Professor, Great teaching skills and hot too...do I need to say more !
One of the best Professors that I ever had. Thoughtful, undertanding and have great sense of humor; excellent knowledge of his subject.Highly recommended
good teacher.No hw just an article summary.only 2 exams,mid term and final.easy class but prolly the most educational he's got a slight accent but i would say that his accent is a good thing because it makes him more funny.GREAT TEACHER.HIGHLY RECOMENDED
Choose this instructor for Personal Finance! His lectures are succinct and gives you time to go home, read, and do research online. Lectures are based on info in the book but he always adds his knowledge and experience with finance and investments. Find good articles pertaining to the lecture, particularly credit and use of credit. Ask questions!
Mr. Z is hilarious! He'll definitely try to make his students talk and I really liked bringing articles to class everyday because if you're a Business major, you have to at least know what's happening in the Business world. Only Two tests, they're really easy if you read the book and understood the questions correctly. Easy 'A' if you're into it.
Do not miss/show up late to class or he will bring it up in class. Or make you answer questions in front of class. The 2 tests are easy. The constantly threatened quizzes NEVER happen. Lectures are completely forgettable. Do well on the 1st test and you may get the chance for an automatic A on the final (with a class presentation).
Great teacher... FUN and very very smart... :)
Zikri makes class fun. He is easy to talk to and genuinely interested in helping his students succeed. If you need to take Personal Finance take his class, you won't regret it.
Great Professor, Excellent teaching skills, Fantastic attitude, very easy tyo talk to and Sharp dresser. He is the Best at BC business department. I recommend him highly to all students in Personal Finance, very valuable information about investing, credit and Financial planning. Do not miss out. Cute accent too....I wonder if he's single ;0)
Great teacher! Close to Perfect in the way he teaches class.
This is my first year in college. He is a good teacher to keep you interested in staying in school
He is a great teacher.He is very knowledgeable and wise. He lectures and make sure to take notes because all the material on the exam is from his lectures.
GREAT Professor! He loves what he does! A little sarcastic, but never hurts your feelings. You must be on time to class or he will call you out and make you answer questions... easy ones. He is easy on the eyes, and very nice. I looked forward to going to his class. Only 2 exams very easy, just read the book and listen to his lectures. I got an A!
He is a very good teacher and he will help you get an A.
he is very knowledgable and it shows you learn things that are very essential in life you will take away from this class a better credit score a budget plan and a way to improve yourself financially for life, I will recommend this class to everyone.
He is very knowledgable.. You learn so much from taking his class.. This is the one class i actually dont fall asleep.. He makes class fun. you have a stock news article every class lecture. 1 midterm 1final... Best professor ever!!
Very Good Professor
very easy and informative! you never have homework, except to bring an article to every class and to share it. i never read the book, but i did go over all the vocabulary from each chapter as we went along and i got an A. i think you can get through the class without even doing that much as long as you show up and participate. great professor!
Professor Zikri is the best. This class is very easy. Bring articles to share in class every class section, there is no h/w, or c/w, there is 1 mid-term, and 1 final. Mr. Zikri gives out notes before the mid-term and final. If you study the notes you'll do good on them. I recommend that students take this professor.
pure genious
Dr. Zikri's Personal Finance is a must. If you take this class for personal knowledge and growth you will get so much out of it. It should be a mandatory class for every High School Student prior to graduation.
Great teacher!..
Doctor Zikri is one of my favorite professors at BC. His class is extremely easy if you pay attention and the best part NO HOMEWORK! If you get an A on the Mid-Term we will automatically give you an A for your final, extremely chill. I recommend Dr.Z for everyone.
He is a great guy. He loves his wrk and it really shows. He give homework every week however it's not hard. This is a class every person should take he Showa you how to make it in the world. He is amazing !!!!!!!!!!
My only complaint is that I didn't take this class sooner. His teaching is mixed with text book and real world assignments, and when applied can save you money and financial trouble. This class should be a requirement. Excellent Teacher ****
Great Professor!
GREAT PROFESSOR. WANTS YOU TO LEARN AND BE SUCCESSFUL. YES, THERE IS HOMEWORK EVERY WEEK. KNOWING IS HALF THE BATTLE(GI JOE) BUT THE OTHER HALF IS DOING!!! TAKE PERS FIN WITH PROF. ZIKRI AND YOU WILL NOT REGRET IT.
This Doctor in business finance loves to engage his classes and values class participation in his grading. This class would not appeal to shy people who are afraid of being challenged. This Personal Finance class does not require a term paper. More multiple choice questions come form the book than lectures, but he rarely lectures from book content.
Dr zikri is a fabulous professor i would recommend his class to all who are interested in getting their business degree
Very helpful. He is funny and interesting to listen to. I never got bored in his class. Easy homework every week. For sure A!!
good professor, kept students interested..sometimes class discussion. just keep up with the reading.participate.take good notes. gave very helpful information for my future use. im glad i took this class. not a structured class but its all good.
Funny, interesting, keeps your attention. Class participation required. I will be taking another class from Professor Zikri. If you get a chance to enroll in 1 of his classes I highly recomend it. It was a joy.
Had personal finance and intro to business. Both mid term and final for both classes were open book, only homework is to read a business article, extra credit, attendance not mandatory if catch up on reading, HILARIOUS, no papers, gives life experiences, teaches how to fox credit GREAT TEACHER
He's a very good professor. I took his intro to business class. His accent takes a few classes to get used to, but once you do his class is awesome! He is a very funny guy; full of real life stories to keep you interested. The class was easy, you don't really need the text book, and the only homework is to bring a business article and share it.
He is the BEST professor at BC. The "MVP" among the rest. Loved his class.
professor zikri is awesome. talks about real life stuff and keeps you interested. No stress.
This the most interesting person I have ever heard speak. He dresses professional and respects BC, something that all of my other professors do not. Please take Dr. Zikri, YOU WILL LEARN JUST BY LISTENING AND YOU WILL WANT TO LISTEN. His classes have made me a proud business major. Seriously, this is your guy.
He will put you on the spot if your late. But ths class is easy and very informative. If you need help with credit he will totally help you clean it all up
Really great teacher as long as you are on time. First half of class was current events which I don't think were graded. Second half of class was lecture. I personally did not read any of the chapters and got an A. Very similar to high school college prep economics.
Dr. Z is the BEST ! Loved his class and interaction with us.
This instructor is great! I love his lectures, though im not a business major. I would not want anyone else to teach it. :) he loves to pick on late people, but he does allow discussion. He is very good at presenting his stance on things, and I wouldn't argue with him, he WIll win! Easy class, also funny guy. come to class, else u will be pickd on.
Professor Zikri is a wonderful teacher he goes out of his way to make sure u understand what he's teaching I learned so much from his class I'm taking another class with him Mr Zikri is the only professor I'll take my business classes with him he makes class fun as ur learning sad that class is coming to end
wonderful class and a great teacher I would take another class with him he makes learning fun and he'll tell u whats going to be on his midterm and final he gives very little homework he sends u emails to read and u have to print things on business can't wait to take another class with this professor..
Professor Zikri is a great teacher he made you want to learn. Enjoyed every class didn't want to miss his class because you miss a lot when you don't attend. thank you for great teacher
Professor zikri is great at what he does. His lectures are interesting and easy to comprehend..
Best teacher I've ever had! He is so interesting, funny, and passionate about teaching. He has an answer for everything. His way of teaching gets the entire class going and motivated. Other professors should learn a thing or two from him.
Professor Zirki; "The Best or Nothing" !! He is the Man !Great class. Tough grader but fair.
Well-paced class. Very informative.Show you how to clean up your credit report. Info everyone should know and use. Classwork easy- just have to bring in a business article and do a short synopsis. Well worth every minute!
I took 3 of Zikri's classes and he is as professional as it gets. He is highly recommended. He really knows his stuff.
This is a great man. He makes even the smallest detail interesting. I have taken (2) more classes that I didn't even need, just to learn from him.
Personal Finance - He takes roll every time. Has an accent but you get use to it. Can't make noise or he gets mad(clicking pens, eating chips, tapping things, ect.) Show up, read book, check email, and read book and you will do great.
Awesome Prof! Midterm & Final thats it. Homework is watching YouTube videos that he sends via email and you talk about in class.Bring or talk about a business or personal finance article in the news every class meeting. I never opened the book for Personal Finance or Introduction to Business. Take great notes during his lectures and your golden!
Excellent professor! He is professional, but very approachable. I've taken both of his classes and he is engaging and knowledgeable. What an asset to BC!!
Fantastic class. Well prepared, Friendly, Sophisticated, well dressed, role model and passionate about assisting us to excel. Learned a lot of practical money management and credit techniques that helped me re-structure my finances, got out of debt, invested in stocks and bought my first house. Thanks Dr. Z
Professor Zikri's class is a class that I would recommend for anyone because of all of the information he gives to the students. How to read and fix your own credit report. I didnt need to use my textbook even though on the syllabus it says that we do. Just take notes, ask many questions and dont miss class you will miss out if you miss class.
Professor Zikri is really great. You do use the textbook for reading, but you must also be sure to attend all class lectures and take good notes because he pulls a majority of his test questions directly from lecture. He is a good lecturer and a fair grader, but his class is not an easy A class. Put in the effort and you will be successful.
Weekly reading, then lectures, no weekly quizzes and 2 tests. I loved this class.
Very informative and intense class. Professor is well respected and very knowledgeable
Classes are fun yet a lot of info is given. Write notes and go to class. He wants to help you, just ask.
Very good professor who explains the study content with practical examples taken from real business situations.
My background is healthcare. I finished the respiratory program in 2 years and I decided a year later I wanted to go back to school and do something else. Going into his class was challenging for me because my knowledge of business is quite low. business is knew to me. ADVICE: attend class every time, take really good notes, and participate!
Hes also a teacher at USC. So heres your chance to get a USC teacher at the Bakersfield College rate. Dr. Z is the most amazing teacher ever I wish I could have him for every class. If you have common sense it is an easy A he spells it all out for you. He's super good at connecting with students. Make sure to participate & check your emails weekly.
Excellent instructor. Explains subject matter in a way that is easy to understand. Extremely knowledgeable in his field. Take hos class and ypu will learn!
BREAK DOWN difficulty (3): dont worry if you don't know anything about business, he breaks things down really well. textbook: ^^^ only to refer to if you dont understand, his lectures is a good summary. "lots of homework/participation": read a lot of articles and talk about them. big part of your day. make sure he knows your name.
Homework is reading a chapter a week in your text. He sends out weekly emails with interesting articles. Everything you learn in his classes are applicable to real life, and very helpful. I've taken 3 classes with him and i would love to take more.
The Best. Love him :0)
This is a really awesome professor. One of homework assignments is to bring in an article to discuss with the class. This is great because you get to see how business works in the real world and also it helps with critical thinking which I think is super important in any business course. He is a great professor and his class is just amazing.
Excellent professor as far as his knowledge of all things business. He relates things to the real world. You are expected to read and understand the book inside and out. His tests are very through especially since there is only a midterm and final. You will learn alot in this class.
This class is life changing! Don't just better your schooling, you need to better your life. Healthy, wealthy and wise! Personal Finance is essential to your everyday life. Take this class you will never regret it.
Dr. Zikri is one of the best teacher. He wants his students to pass. There is 1 midterm and then the final. He assigns us videos to watch as homework, which you'll discuss during the lecture. Also, bring an article to discuss as well. He says participation matters, but I didn't participate and still got an A in the class.
Dr.Z is an amazing professor his classes are a real eye opener ... I can say so many wonderful thing about him but that will take me all day I have no words .. all I can say is I have complete admiration for him... I have token a few classes and pass both with and A's .. I love business even more
This class is seriously life changing! Start changing your financial life NOW! you will not regret taking this class. MUST HAVE!! Personal Finance
This professor is really professional, but he's very funny. He has a clear knowledge of what he's teaching and 20% of your grade is class participation, but he only gives two tests, a midterm and a final exam. I highly recommend him to anyone who has to take intro to business.
Zikri does a good job at introducing basic business theories & practices. His lectures are based off of the textbook. After the midterm, he allowed an extra credit opportunity (a presentation in front of the class). Syllabus said in class participation was a significant part of his grading, but I never spoke in his class, just did well on the exams
Best professor Ive had at bc. Definetely recomend.
I got an A in the class. Its a waste of time, he teaches you how to fix your credit not anything about investing, financing, buying a house, or other finance things. Mid term and final come from the book, not his lectures. He likes to hear himself talk. Unfortunately its a required course for accounting and hes the only one who teaches it.
We hardly used a book. Participation in this class is a must, he's very funny & is a really good professor defiantly recommend to anyone!
The dude with the "Awful" rating; you must be either "Confused" or received the shameful "F" grade :0) I got an "A" deservingly! We covered lots of financial topics, such as Budgeting, Financial Planning, Credit Repairs, Collections, Real Estate Investment, Car financing, Stock market and equity valuations. You must be sleeping !! Your loss, Bro!
Excellent Prof., very knowledgeable in finance, we covered lots of great topics. Wish that I had him in my early 20 ! His class is life changing.
Fantastic Class. I improved my FICO score to 726 points in a very short time. Learned how to deal with budgeting issues and Collections. The best Professor ever, he cared about us and assist us in every class to understand the material. Will love to take his class again.
Great class. I highly recommend it whether you are a business major or not !! Its all about how to handle money, collection, purchase a car and real estate investment, also investments in the Stock market. My favorite ever.
Excellent professor, funny, smart and knowledgeable about finance. One of the best I've ever had.
Fantastic Professor, very friendly and funny, made sure that we understood the material very well, every class had a different theme from Budgeting to Investing to Credit Repair to buying a car and financing a house. Awesome!
Very interesting class covered varieties of financial and investment topics in a very humorous and informative manner. The professor is class by himself. Can't get any better than that. I highly recommend it.
He is hands down one of the best professors at bc. We usually start each class by taking attendance then talk about the articles we brought. Make sure to bring articles to every class, either on your phone or printed out. Hes a pretty funny guy as well so the class will laugh here and then. Its fairly an easy class but you learn a lot
I agree, totally. He is the best Professor ever at BC. Just don't come late to his class, he will put you on the spot for been late to Business class. Very motivational I tell ya.
Loved his class, slight accent but very eloquent in explaining things. Vey caring and well informed. My fav. Prof. ever ;0)
Best lectures I have ever had at BC, highly recommended, must attend every single class. Tough exams and Lots of e-mails with homework assignments.
Fantastic Class, knowledgeable professor. Must be on time, variety of topics. An "A+" professor
Great professor. He is very knowledgeable and his lectures are draw you in. Show up to class, take notes, and take your exams. this class is an easy A.
Great professor. He is very knowledgeable and his lectures draw you in. Show up to class, take notes, and take your exams. this class is an easy A.
Outstanding! The best I've ever had in BC or CSUB.
Loved his class, his attitude and his care for us. Yes, I agree he is the Best in BC.
I took both classes with Dr Z, he is by far the best prof. I ever had in BC and CSUB. Strict in attendance policy, yet very knowledgeable and approachable too. High recommended.
A great professor, I recommend 100%, I wish he would teach every subject that I have to take for my degree, I learned a lot from him. He assigns a lot of work but it is well worth it, at first I was not sure if I had chosen the correct professor but now I know I did, I will be attending a different class with him, I just cant wait.
Knowledgeable and respected. Truly the best I ever learned from. Lots of homework, articles, documentaries and intense participation format. That's how a class should be.
My favorite professor. Funny and informative. Participation is mandatory.
The best Professor, and the Best class in BC. Learned how to manage my finances well and built an excellent credit rating. Looking forward to investing in Real Estate soon. I wish if I took this class years ago! A very caring and intelligent Professor, well respected and know his subject very well. Highly recommend it.
Lectures were based off book. In class participation does count towards your grade. As long as you read the articles, books and understand the material, you should be fine. Do recommend.
Dr. Z is the best prof at BC. Very open minded and well dressed. Just don't come late to class he will put you on the spot. Planning to take his Personal Finance this semester heard so many good things about it.
Lecture heavy, participation is mandatory. Dr. Zikri emails supplemental videos and articles that are very important. Discussing them is part of your grade. No homework as long as you participate. Ive taken all the classes he offers and think he is one of the most absolutely interesting professors.
Excellent class, fantastic topics and great teaching style. Totally worth it for me and my family, learned practical money management skills, increased my FICO score and looking into investing more in my education and the stock market. The Best !
Professor Zikri is very knowledgeable and educated in the field of business. He makes it east to learn as long AS YOU do your part in participating and taking notes during his lectures.
I enjoyed Professor Zikri's class. It was online and you could participate in zoom meetings and if you missed the class, you can rewatch the recording. We had to get the book with the access code (it is required). He would give us so much info about the real world. There were 13 quizzes, a midterm exam, and a final exam. Please take him!!!!!!!!!!!!
Very knowledgeable, but one big drawback is that he needs to have a better grading system. As a student I like to know where I'm at, grade wise, but this professor only gives final grades at the end of semester so there's no way of knowing how you're doing. Final grade is calculated as a total, 20% for quizzes ,40% for Midterm, and 40% for Final.
Great professor, very valuable information about credit, budgeting, buying a house and a car, taxes etc. I am planning to take the class again to learn more, he is the best! An online class, but he has a Zoom meeting every week that we meet and he gives us more valuable information, not from the book. Highly recommended by other students.
Excellent online class with zoom meetings every week. Fantastic style and very knowledgeable. I like him a lot :0)
I enjoyed his class online, the zoom meetings made a big difference in my learning, just like face-to-face classes. I think it is the best of the two worlds. The professor is awesome, caring, and available all the time to answer all my questions . Love his style of teaching, very informative.
Excellent Professor, with very dynamic and enriching lectures. Very informative and caring about students especially when having a problem or a crisis such as mine. He navigate through the class with ease and confidence and never read to us from the book. We gained a lot of knowledge from his expertise and extensive readings. Thanks Prof.
I've never gone to any zoom meetings but he does offer them for people who need extra help. The work is very difficult especially when it is only reading the textbook. The teacher is great but the workload is a lot. I was able to understand chapter quizzes but for the mid-term, I struggled a lot with all the concepts.
He requires McGraw-Hill to do homework. Grades are based on reading, quizzes, and finals. I also took his personal finance class which was the same way and he is easy to contact with fast replies. If you are looking to learn without having to attend class this is a good class to take.
Funny professor to have during Zoom meetings and liked to joke. Gave good advice and ensured that we understood the material. Went over the material with us in class and encouraged participation. Professor Zikri also encouraged us to stick to a budget for non-essentials, which helped me out a lot.
Unprofessional, disrespectful, and not computer savvy. The structure to his online class was almost non existent. His instructions were not very clear. He is stubborn and will not admit mistakes.
I had Professor Zikri for BSAD B20 hybrid. He requires you to attend the Zoom lectures on time and stay the whole time. He jokes during the lectures so its entertaining and the time flies. You will be graded on weekly chapter quizzes, a midterm, and a final. The book he uses is easy to read and worthwhile. Highly recommend taking his courses.
Took a 6 week course no zoom, just online. Made sure you learn the learn the material. As long as you get everything before the deadline youre good.
Fantastic professor, the class was on line only but he offered us a zoom meeting every week through out the semester to go over the materials and assignments. Great expertise, knowledgeable, responsive to emails 7 days a week. Love his style of teaching, caring about our progress. Highly recommended, I will take his Personal Finance class soon
This professor has mandatory lectures that are usually spent talking about politics the entire class time. The homework and textbook are not talked about during the class so it seems pretty useless to pay $100 for.. The grading structure on canvas does not list the due dates for assignments so it is really easy to get lost on what is due and when.
Excellent class, we met on zoom every week and had great experience. The gradation criteria was listed in the syllabus and in his announcement every week. I had an immediate feedback and he answered my emails very quickly. Highly recommended, best Professor I had in the business department. Knows his subject very well.
I had both of B20and B40 with Dr Z , an excellent professor, down to earth and easy to deal with. His Personal Finance class is outstanding, learned credit building skills , money management and investing options. Just an awesome experience and all our grades was post on line after each quiz, mid term and the final exam. An A+ experience
Great class, very good Professor, always available to answer my questions on line and provided excellent feedback. Thanks Prof.
Zoom class was incredible. The professor is Great and very knowledgeable. He dropped a lot of students who did not buy the book and did not participate in class, but he was clear about his policies in class. Encourages participation in every meeting and the syllabus was presented several times as his guideline. No issues, just a great class.
I had Dr Z in Zoom class, was pretty good, clear syllabus and instructions. I can get hold of him any time I needed to ask question, responded fast to e-mail. He drops students from his class fast if they did not buy the book by the second week, and does not allow them back. His class was packed. Great class, excellent teacher. Highly recommended.
The Prof is really good, even with his slight accent. Very informative and knowledgeable about finance. I loved his class and learned a lot. He is the man for the job. Very caring and funny. He gets an A in my book.
Wonderful professor. The best I ever had.
A master in personal finance, I am willing to take the class again to learn more about how to fix my credit, buy a car and buy a house while building excellent credit. My favorite professor ever.
Professor Zikir's class was amazing. 1 weekly quiz was all that was to it along with the midterm and final. Highly recommend this class if you have a busy work schedule. Very easy. Just read the book and take a quiz. Take this class plaese. You will not regret it.
If you are looking for a class that you only want to spend an hour a week on then this is the class for you. One weekly quiz and a case study that is multiple choice. I highly recommend taking it for Intro to Business. He is also good at reminding students about work. The grading scale is 40%=midterm 40%=final and 20%=quizzes. Everything is multipl
Excellent class. Very organized professor and clear guide line through out the semester. Very informative
Great class. The best I have ever had. The professor is awesome, we met on Zoom every week, learned a lot about credit report, financing a car and house. Very practical class.
If you are meeting on zoom, you will be called on. Every week he requires you to do a current event presentation on anything that has to do with business as a discussion. He will call on you if you don't volunteer to go first. $70.00 program to do weekly quizzes, midterms, exam, and final. All open book, open notes. Easy, just do the work.
This professor's BSAD20 class is a solid option. The workload is manageable, with weekly quizzes and a midterm/final structure. Using unstuck study and the provided textbook makes it easy to stay on top of the material. Overall, an informative and well-organized course.
You do have to talk in his class, have them articles ready! He pretty understanding professor and he cares a lot about his students. Take his class highly recommended.
I would certainly recommend professor Zikri. I took this class online and it was really easy. If you read the book and complete the weekly assignment you could easly succeed. Each week you read a chapter, do a case study where you watch a video and answer 2-3 questions and then you take a quiz. He does open all the assignments so you can work ahead
Class Info
Online Classes
100%
Attendance Mandatory
86%
Textbook Required
44%
Grade Predictor
Your expected effort level
Predicted Grade
A-
Grade Distribution
Common Tags
Rating Trend
Declining
-0.33 avg changeRatings by Course
30710
5.0
(1)BUSBUS
5.0
(1)BSBSAD
5.0
(1)BUSB40
5.0
(4)BSD40
5.0
(1)Difficulty by Course
BUSBUS
4.0
FINANCE
4.0
B40
3.7
B20
3.5
BSAD40
3.1