Fanny signs a note "payable to the order of guaranty bank." guaranty indorses the note in blank and negotiates it to haji, who sells it to iona. liability associated with the transfer of the note from haji to iona is

Liability associated with the transfer of the note  from Haji to Iona is "warranty".

A warranty is a kind of certification that a producer or comparable gathering makes with respect to the state of its item. It additionally alludes to the terms and circumstances in which fixes or trades will be made if the item does not work as initially depicted or expected.  

Warranties as a rule have special cases that limit the conditions in which a producer will be committed to redress an issue.

these are the four factors that influence enterpreneurship development

1. economic development

2. culture

3.technological development

4. education