Note C - Finance Receivables, Net - Components of Finance Receivables (Details) - USD ($)	Apr. 30, 2019	Apr. 30, 2018	Apr. 30, 2017	Oct. 31, 2016	Apr. 30, 2016
Gross contract amount	$ 631,681,000	$ 584,682,000
Less unearned finance charges	(88,353,000)	(83,244,000)
Principal balance	543,328,000	501,438,000
Less allowance for credit losses	(127,842,000)	(117,821,000)	$ (109,693,000)	$ (4,800,000)	$ (102,485,000)
Finance receivables, net	$ 415,486,000	$ 383,617,000	$ 357,161,000		$ 334,793,000

The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.

No definition available.

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- Definition

Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income).

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- Definition

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

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- Definition

Amount, before allowance for credit loss, of financing receivable.

+ References

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Amount, after allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement.

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