Log in

Relevant bibliographies by topics / Enterprise borrower / Journal articles

To see the other types of publications on this topic, follow the link: Enterprise borrower.

Journal articles on the topic 'Enterprise borrower'

Author: Grafiati

Published: 28 May 2022

Last updated: 30 July 2025

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Enterprise borrower.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Bondarenko, A., M. Moiseienko, V. Gordienko, and O. Dutchenko. "CREDIT CAPACITY ASSESSMENT OF COMMERCIAL BANK BORROWER." Vìsnik Sumsʹkogo deržavnogo unìversitetu, no. 4 (2019): 93–100. http://dx.doi.org/10.21272/1817-9215.2019.4-12.

Full text

Abstract:

The purpose of the article is to study the essence of solvency of the enterprise, to determine the approaches to assessment and analysis of solvency. Since the assessment of the borrower's solvency is the key to the successful functioning not only of the financial and credit institution, but also of the enterprise itself, so in the conditions of formation and development of market relations lenders need to have an accurate idea of the borrower's solvency. Relevance of the research topic is explained by the fact that today the solvency of the enterprise requires a thorough and comprehensive res

APA, Harvard, Vancouver, ISO, and other styles

2

SHEPTUKHA, Olena, and Anna LAPTIEVA. "Assessment of the borrower's credit capacity using discriminative analysis." Economics. Finances. Law, no. 6 (June 26, 2020): 25–28. http://dx.doi.org/10.37634/efp.2020.6.6.

Full text

Abstract:

Introduction. At the present stage of economic development in the organization of credit relations uses a significant number of approaches and methods to determine the creditworthiness of the borrower. Today, banking institutions are developing different approaches to the analysis of the borrower's creditworthiness. Moreover, each bank determines its own method of assessing the financial condition of a potential borrower, taking into account the specific terms of the contract. Assessment of creditworthiness of the enterprise by the method of discriminant analysis is carried out by calculating

APA, Harvard, Vancouver, ISO, and other styles

3

KOSOVA, Tetiana, Anton KURHANSKYI, and Oleksandr KUTSEV. "Restructuring as a form of settlement of problematic credit debt of banking institutions." Economics. Finances. Law 8, no. - (2023): 50–53. http://dx.doi.org/10.37634/efp.2023.8.12.

Full text

Abstract:

Definitions of credit debt restructuring of banking institutions provided in several legal acts are summarized. They are reduced to changing the essential conditions of the current credit agreement to soften the requirements for the borrower in connection with his financial difficulties, the need to create favorable conditions for him to fulfill his credit obligations. The objects of restructuring under the credit agreement are: interest rate; forgiveness of part of the debt; his debt repayment schedule; terms and amounts of repayment of the main part of the loan, fees, etc. Restructuring of t

APA, Harvard, Vancouver, ISO, and other styles

4

Shubenko, Inna A. "Unity of Credit Risk as Creditor’s Risk and Borrower’s Risk: The Past and the Approach of Present-Day." Business Inform 1, no. 540 (2023): 151–59. http://dx.doi.org/10.32983/2222-4459-2023-1-151-159.

Full text

Abstract:

The main suppliers of credit resources to the today’s market are commercial banks, which for a long time act as the main creditors of both legal entities and individuals. The formation of credit relations occurs in the external environment, which can give rise to completely new risks that the developed credit market has not previously faced. The purpose of the study is to complement the essence of credit risk and consider it not only from the standpoint of the lender, but also the borrower, as well as outline methods for managing it. The main research methods in this publication are methods of

APA, Harvard, Vancouver, ISO, and other styles

5

KOTSERUBA, N.V. "Estimation of solvency of enterprise–borrower on basis of indexes of financial reporting." Market Relations Development in Ukraine №7-8(230-231)2020 145 (November 4, 2020): 111–19. https://doi.org/10.5281/zenodo.4244323.

Full text

Abstract:

The subject of the research is to increase the validity of banking decisions regarding the provision of loans to business entities depending on the credit ratings of potential borrowers. The purpose of the study is to improve the methodology for assessing the creditworthiness of borrowers and increase on this basis the validity of banking decisions regarding the provision of loans to businesses depending on the level of creditworthiness of potential borrowers. Methodology of work – the work used general and specific methods, in particular, economic and logical methods and techniques of e

APA, Harvard, Vancouver, ISO, and other styles

6

Protas, N. G., I. V. Mikhailyuk, and M. S. Khoroshilov. "The variety of modeling methods in the analysis of financial reporting of the borrower." Vestnik NSUEM, no. 3 (October 2, 2023): 83–96. http://dx.doi.org/10.34020/2073-6495-2023-3-083-096.

Full text

Abstract:

Currently, the development of the efficiency of bank lending is directly related to ensuring sustainable economic growth. A significant increase in the efficiency of the credit process is achieved through the mechanism of preliminary credit analysis – a set of control and settlement measures aimed at identifying and assessing the risks of increasing the volume of loans provided by a credit institution to borrowers. The key disadvantage of classical methods of assessing the financial condition of an enterprise is the static nature of models, which leads to a decrease in their predictive power d

APA, Harvard, Vancouver, ISO, and other styles

7

Sydykova, Ch K., Sh Kh Atakhodjaev, U. M. Abdyldaeva, and T. Sh Atakhodzhaeva. "THE NEED FOR ANTI-CRISIS MANAGEMENT BASED ON FINANCIAL DIAGNOSTICS." Herald of KSUCTA n a N Isanov, no. 2-2021 (June 24, 2021): 292–95. http://dx.doi.org/10.35803/1694-5298.2021.2.292-295.

Full text

Abstract:

This article reveals the issues of the need for financial diagnostics of an enterprise to determine the financial situation in it. Another equally important reason for interest in diagnostic tools is the need for enterprises to use bank loans to finance their activities. Effective diagnostic tools give direction to the need to use a bank loan to finance the activities of an enterprise, the volume of which is increasing from year to year against the backdrop of a growing share of overdue loans and general insolvency of borrowers. Banks transfer most of their monetary funds and assets for long-t

APA, Harvard, Vancouver, ISO, and other styles

8

Srivastava, Anubha, and Preeti Kulshresthra. "A study of micro finance institution’s role in developing the small scale enterprises of Ethiopia." Diponegoro International Journal of Business 1, no. 2 (2018): 94. http://dx.doi.org/10.14710/dijb.1.2.2018.94-104.

Full text

Abstract:

This study was conducted in Gedio zone small scale enterprise financed by micro finance institution. The main objective the study was to evaluate and determine the factor that determines loan repayment performance of small scale enterprise financed by yirgachefeMFI. For the success of the study both primary and secondary data were collected to determine the loan repayment performance of small scale enterprises in Gedio zone. Questionnaire were administered to 50 borrower and manager of MFI. The data gathered are tabulated and interpreted for ease of analysis and suitability for the reader.

APA, Harvard, Vancouver, ISO, and other styles

9

Wasilewska, Natalia, Mirosław Wasilewski, and Serhiy Zabolotnyy. "The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 18(33), no. 4 (2018): 493–503. http://dx.doi.org/10.22630/prs.2018.18.4.137.

Full text

Abstract:

The article covers aspects of financial condition analysis regarding creditworthiness of Ukrainian agricultural enterprises that had to operate in unstable economic conditions in 2009-2017. It is proposed to improve methodological approaches to financial assessment of an enterprise – a potential borrower, due to changes in the economy, in particular in the financial sector, which have been influenced by crises that have shaken the Ukrainian economy twice in the past ten years. The proposed approaches to assessing the financial condition of an agricultural enterprise as a component of its credi

APA, Harvard, Vancouver, ISO, and other styles

10

FORKUN, IRYNA, and TETYANA GORDEEVA. "MANAGEMENT OF RAISING FINANCIAL RESOURCES OF THE ENTERPRISE ON THE BASIS OF THE FINANCIAL RISK RATIO TARGETING." Herald of Khmelnytskyi National University 294, no. 3 (2021): 262–67. http://dx.doi.org/10.31891/2307-5740-2021-294-3-42.

Full text

Abstract:

The article analyzes the essential characteristics and modern approaches to raising different types of financial resources by enterprises in order to ensure continuous operation. Raising financial resources is a master goal of financial activity. It is substantiated that sufficient financial security in case of lack of equity causes borrowing financial resources, which leads to changes in the size and composition of equity and liabilities of the enterprise. The efficiency of financial activities can be assessed through the balance between own and borrowed financial resources. However, financia

APA, Harvard, Vancouver, ISO, and other styles

11

Koko Saputra. "Pemberdayaan Masyarakat Melalui Unit Usaha Simpan Pinjam Di Badan Usaha Milik Kampung Kampung Minas Barat." Jurnal Niara 14, no. 3 (2021): 307–14. http://dx.doi.org/10.31849/niara.v14i3.7389.

Full text

Abstract:

Village Owned Enterprise is a self-help container that is essentially a forum that conducts empowerment to the community, but the current situation is many unable to function as a forum for community empowerment of Village Owned Enterprise. This research aims to determine community empowerment through The Save Borrow Business Unit in Village Owned Enterprise Mineh Mandiri West Minas Village and to Know what factors hinder community empowerment through the Simpan Pinjam Business Unit in Village Owned Enterprise Mineh Mandiri West Minas Village. This research uses qualitative descriptive researc

APA, Harvard, Vancouver, ISO, and other styles

12

RAHMAN, Ashiqur, Jaroslav BELAS, Tomas KLIESTIK, and Ladislav TYLL. "COLLATERAL REQUIREMENTS FOR SME LOANS: EMPIRICAL EVIDENCE FROM THE VISEGRAD COUNTRIES." Journal of Business Economics and Management 18, no. 4 (2017): 650–75. http://dx.doi.org/10.3846/16111699.2017.1357050.

Full text

Abstract:

The purpose of this paper is to examine the determinants of collateral for small and medium enterprises (smes) in the context of Visegrad countries: Czech Republic, Slovak Republic, Hungary and Poland. The data set for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS), which was conducted by the World Bank and the European Bank for Reconstruction and Development (EBRD) from 2012–2014. A binary logistic regression model with different specifications was employed to examine the effect of independent variables on the incidence of collateral. The resul

APA, Harvard, Vancouver, ISO, and other styles

13

Pervin, Rumana, and Shahed Ahmed. "The Impact of SME Financing on Beneficiary Households: An Empirical Study from Kushtia District, Bangladesh." International Journal of Research and Innovation in Social Science IX, no. III (2025): 3787–98. https://doi.org/10.47772/ijriss.2025.90300299.

Full text

Abstract:

This study investigates the socioeconomic impact of Small and Medium Enterprise (SME) financing on borrower households in the Kushtia district of Bangladesh. Given SMEs’ critical contribution to national GDP and employment, the research examines how formal credit—particularly from commercial banks—affects borrowers’ income, asset accumulation, occupation, savings, employment, and overall financial well-being. Using primary data from 120 SME borrowers (67 new and 53 repeat), the study adopts a structured questionnaire and employs descriptive statistics, t-tests, and multiple regression analysis

APA, Harvard, Vancouver, ISO, and other styles

14

Tazenkova, Olga Andreevna. "Application of Credit Risk Scoring Methods in Corporate Borrower Monitoring." Russian Digital Libraries Journal 24, no. 4 (2021): 689–709. http://dx.doi.org/10.26907/1562-5419-2021-24-4-689-709.

Full text

Abstract:

A method for assessing the risk of default of a corporate borrower at the monitoring stage based on a scoring assessment is proposed. This paper provides proof of the hypothesis that scoring methods for assessing credit risks can be used not only at the stage of initial assessment of a potential borrower when making a decision on lending, but also at the stage of its monitoring when accompanying a transaction. Monitoring is a periodic review of the credit quality of the corporate borrower with whom the loan agreement is concluded. This is done for the purpose of timely detection of negative si

APA, Harvard, Vancouver, ISO, and other styles

15

KOTOVA, Ol'ga V., Aleksandr V. KURDYUMOV, Ol'ga A. VOROTILOVA, Irina A. EZANGINA, Natal'ya Yu NOVIKOVA, and Sof'ya A. KRIVOROTOVA. "Methodological approaches to the analysis and assessment of credit risks of agricultural enterprises in the Russian Federation." Economic Analysis: Theory and Practice 24, no. 3 (2025): 139–60. https://doi.org/10.24891/ea.24.3.139.

Full text

Abstract:

Subject. The article addresses the systems analysis of credit risks associated with financial activities of enterprises operating in the agro-industrial complex of the Russian Federation. Objectives. The purpose is to define methodological approaches to the analysis and assessment of credit risks of enterprises of agro-industrial complex in Russia. Methods. The study employs systems analysis, graphical and comparative analysis. Results. We applied a variable approach to assessing the credit risk of a corporate borrower – an enterprise of the agroindustrial complex. The proposed approach enable

APA, Harvard, Vancouver, ISO, and other styles

16

T., Manohar, and Ramachandra Reddy B. "Sickness in Micro, Small and Medium Enterprises in India." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 11 (2018): 169–73. https://doi.org/10.5281/zenodo.1482867.

Full text

Abstract:

This paper attempts to examine the growth of number of sick units and to highlight the reasons for sickness in MSMEs sector in India. For this purpose the necessary data required for the study have been collected from Annual reports of Ministry of Micro, Small and Medium Enterprises, Government of India. Lack of demand for the product and shortage of working capital are the main reasons for the sickness in MSMEs. As per the extant guidelines, a Micro or Small Enterprise (as defined in the MSMED Act 2006) may be said to have become Sick, if any of the borrower account of the enterprise remains

APA, Harvard, Vancouver, ISO, and other styles

17

HERBYCH, Liudmyla, and Larysa NETREBCHUK. "CREDIT WORTHINESS OF AGRICULTURAL ENTERPRISES." Herald of Kyiv National University of Trade and Economics 133, no. 5 (2020): 88–101. http://dx.doi.org/10.31617/visnik.knute.2020(133)08.

Full text

Abstract:

Background. Agriculture is a source of increased credit risk for banks and other lenders, which requires special approaches to assessing the credit worthiness of the enterprises in this industry. The assessment improving of the credit worthiness of the agricultural enterprises is one of the key scientific and practical problems. The aim of the article is to identify and systematize the factors influencing the level of credit worthiness of the agricultural enterprises. Materials and methods. The theoretical basis of the research is a systematic approach that has been used to identify and ana

APA, Harvard, Vancouver, ISO, and other styles

18

Sarda, Rashmi, and Devi Baruah. "Borrower Discouragement: Loan Delays and Loan Rejection: Evidence from MSMEs in the State of Assam in India." SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies 47, no. 2 (2020): 95–103. http://dx.doi.org/10.1177/09708464211032551.

Full text

Abstract:

In India micro, small and medium enterprises (MSMEs) play a vital role in the development of economy through their contribution to GDP, employment generation, regional development, export promotion, etc. Irrespective of the achievements of the small and medium enterprise (SME) sector, there are certain issues which eclipse desired growth. Availability of ample and timely credit at reasonable rate of interest is vital for the development of these sectors. There seems to be a gap between demand for and supply of the bank credit to SMEs. The delay in processing of credit and the rate of rejection

APA, Harvard, Vancouver, ISO, and other styles

19

Harkusha, Yuliya O., and Viktoriia Yu Matushevska. "Banking Instruments for Credit Collateral of Large Enterprises in Ukraine." Business Inform 1, no. 552 (2024): 292–97. http://dx.doi.org/10.32983/2222-4459-2024-1-292-297.

Full text

Abstract:

The article highlights the theoretical and practical foundations of lending to domestic large enterprises. The main types of the bank lending to corporate clients are allocated and characterized. It is noted that in the process of lending relations, representatives of large businesses are offered a fairly wide range of loans and the related services, namely: term services, investment loans, loans for current activities, promissory notes, commercial mortgages, acceptance and guarantee loans, financial leasing, factoring, forfaiting. Based on the carried out analysis of the dynamics of bank cred

APA, Harvard, Vancouver, ISO, and other styles

20

Khoruzhiy, L. I., G. K. Dzhancharova, K. A. Lebedev, K. A. Dzhikiya, and А. A. Romanova. "Minimizing the consequences of credit risks for agricultural producers." Buhuchet v sel'skom hozjajstve (Accounting in Agriculture), no. 4 (April 18, 2024): 222–33. http://dx.doi.org/10.33920/sel-11-2404-01.

Full text

Abstract:

The article presents the results related to minimizing the consequences of risks for agricultural producers. It is established that the credit risk of agricultural enterprises should be considered as the probability of loss not only of mortgaged property, but also of future income. Its components are: systemic risks — arising in the external environment of participants in the credit process; collateral risks — related to the probable loss of mortgaged property or a decrease in its value; production risks — leading to losses in production activities. It is proved that one of the means of reduci

APA, Harvard, Vancouver, ISO, and other styles

21

Liudmyla, Jaremenko. "FORMATION OF ACCOUNTING INFORMATION OF ACCOUNTS RECEIVABLE AND ACCOUNTS PAYABLE." University Economic Bulletin 36/1 (April 17, 2018): 147–54. https://doi.org/10.5281/zenodo.1219770.

Full text

Abstract:

The subject of the study is theoretical, methodological and practical aspects of accounting for accounts receivable and payables. The purpose of the study is to determine the peculiarities of management of accounts receivable and payables at Ukrainian enterprises. Methodology of work. The work is performed on the results of research of modern domestic and foreign views on the peculiarities of management of accounts receivable and payables. Results of work In the article the essence of receivables and accounts payable is considered. The features of the management of accounts receivable and paya

APA, Harvard, Vancouver, ISO, and other styles

22

Poliatykina, L. "THE INFLUENCE OF STRATEGIC MANAGEMENT ON THE FINANCIAL DEVELOPMENT OF THE ENTERPRISE." Scientific heritage, no. 105 (January 23, 2023): 32–35. https://doi.org/10.5281/zenodo.7560047.

Full text

Abstract:

The system of influencing the efficiency of economic entities are the directions of the strategy of financial development. It becomes an integral factor in preventing a crisis, raising the competitiveness of the enterprise and ensuring its promising development, so it requires double attention and remains relevant for all economic groups. In the domestic economic literature and practice in recent years, more and more attention is paid to the study of opportunities and options for overcoming the economic crisis, which has contained many sectors of the economy. Nevertheless, the state of unstabl

APA, Harvard, Vancouver, ISO, and other styles

23

Гребенникова, В. А., and В. Е. Сёмиков. "Improvement of the methodology of the evaluation of the creditworthiness of an agricultural enterprise on the example of Rosselkhozbank." Экономика и предпринимательство, no. 5(118) (June 11, 2020): 1060–63. http://dx.doi.org/10.34925/eip.2020.118.5.220.

Full text

Abstract:

Предметом исследования является оценка кредитоспособности заемщика - сельскохозяйственного предприятия. Цель работы состоит в том, чтобы провести анализ кредитоспособности аграрного предприятия Краснодарского края по существующей методике, использующейся в АО «Россельхозбанк», и разработать предложения по ее усовершенствованию. Используя такие методы как анализ, логический, аналитический и сравнительный, были разработаны рекомендации по дополнению существующей методики качественными показателями оценки кредитоспособности. The subject of the study is the evaluation of the creditworthiness of a

APA, Harvard, Vancouver, ISO, and other styles

24

Shukla, Bharti, and Ashutosh Pandey. "CREDIT RISK MANAGEMENT WITH SPECIAL REFERENCE TO UNION BANK OF INDIA, GORAKHPUR." Sachetas 1, no. 1 (2022): 10–16. http://dx.doi.org/10.55955/110003.

Full text

Abstract:

“A Credit risk is the risk of default that arise when borrower failing to make required payment.” A credit risk is a result of the business loan from the banks by the people or company. Banks are a kind of enterprise; their ultimate goal is maximized profits. Credit business is the core business of all commercial banks. By the RBI guidelines, the banks have to provide loan to the customers so that increase flow of cash in the market. The purpose of credit risk management is maximizing the returns by maintaining the rules and regulation of the banks and RBI.

APA, Harvard, Vancouver, ISO, and other styles

25

Feng, Yixuan, and Xingzhi Guan. "China's SME Financing and Shadow Bankings Positive Impact on it." Advances in Economics, Management and Political Sciences 39, no. 1 (2023): 47–59. http://dx.doi.org/10.54254/2754-1169/39/20231932.

Full text

Abstract:

The paper deals with the impacts of shadow banks on small and medium enterprise financing. The overview of the field and the current situation of SMEs are discussed, as well as how vital SMEs are in China. The financing venues and predicaments for SMEs are concerned; we further show how SMEs benefit from the shadow bank. The paper describes the relationship between SMEs and shadow banks and expounds on the shadow bank from the borrower, lender, and investor perspective. Finally, we analyze the financing environment of SMEs and find that the climate is improving though banks are pessimistic.

APA, Harvard, Vancouver, ISO, and other styles

26

SOLOVEI, Nadiia, Larysa TUROVA, and Yuliia PYROZHENKO. "Current methods of the enterprise’s creditability assessment." Economics. Finances. Law, no. 12/1 (December 28, 2019): 31–35. http://dx.doi.org/10.37634/efp.2019.12(1).7.

Full text

Abstract:

The article is devoted to the interpretation, analysis and systematization of the methods of credit assessment of enterprises. Taking into account the current state of the economy of Ukraine, as well as the financial state of most domestic enterprises, a considerable number of non-performing loans, Ukrainian banks are trying to develop, refine and improve the process of lending to customers. The number of non-performing loans in banks' portfolios indicates that banks do not cooperate with enterprises. Today, the issue of loan repayment is very painful: unstable economic situation, declining co

APA, Harvard, Vancouver, ISO, and other styles

27

YAROSHEVYCH, Y. S. "Ensuring the financial and economic security of enterprises under the conditions of martial law." Market Relations Development in Ukraine №7-8(266-267)2023 153 (October 9, 2023): 111–19. https://doi.org/10.5281/zenodo.8420913.

Full text

Abstract:

Relevance of the research topic. Ensuring a high level of financial and economic security of the enterprise has always been one of the main tasks of the management staff of business entities. The introduction of martial law and the deterioration of the operating environment of the Ukrainian economy created new challenges in ensuring the financial and economic security of business entities and the transformation of general approaches to enterprise management. The aim of the research: to determine the basic principles of the formation of financial and economic security of enterprises in the cond

APA, Harvard, Vancouver, ISO, and other styles

28

Mutamimah, Mutamimah, Mochammad Tholib, and Robiyanto Robiyanto. "CORPORATE GOVERNANCE, CREDIT RISK, AND FINANCIAL LITERACY FOR SMALL MEDIUM ENTERPRISE IN INDONESIA." Business: Theory and Practice 22, no. 2 (2021): 406–13. http://dx.doi.org/10.3846/btp.2021.13063.

Full text

Abstract:

The problem of SMEs in Indonesia as a “high-risk borrower” that has not been resolved until today. The purposes of this study was to analyze the financial literacy as mediating between corporate governance and SMEs’ credit risk in Indonesia. This sample method used purposive sampling: 1273 units of Trade and Service SMEs fostered by Central Java that received credit in 2018. Twenty percent of the totals were taken, so the total was 255 samples. The data collection technique used questionnaires and interviews. The number of questionnaires distributed were 255 with a response rate of 95%, so res

APA, Harvard, Vancouver, ISO, and other styles

29

Mori, Neema, and Godfrey Ng’urah. "The Influence of Relationship Lending on SMEs Loan Repayment Performance." Emerging Economy Studies 6, no. 2 (2020): 166–78. http://dx.doi.org/10.1177/2394901520977461.

Full text

Abstract:

The study examined the influence of relationship lending on repayment performance of small- and medium-enterprise (SME) credit facilities. Four hypotheses were developed and tested using data from 395 sampled borrowers of the largest Tanzanian bank. Data for independent variables were obtained through an administered questionnaire while the data for dependent variable were obtained from the borrowers’ records with the bank. Descriptive and econometric analyses were conducted. Findings show that length and depth of relationship between bank and customers positively and significantly influence t

APA, Harvard, Vancouver, ISO, and other styles

30

Zidana, Richard, Bryson Nkhoma, and Victor Kasulo. "Rules of the Game and Efficacy of Public Microcredit Schemes: Evidence from Selected Borrowers in Malawi." Eastern African Journal of Humanities and Social Sciences 3, no. 2 (2024): 49–58. http://dx.doi.org/10.58721/eajhss.v3i2.506.

Full text

Abstract:

This paper contributes to the scholarly debates that question the efficacy of microcredit schemes in development programming. Dominant political economy debates posit that microcredit schemes have failed to achieve the envisaged financial inclusion and small-scale enterprise development outcomes because the nature of the intervention itself is an imposition by neoliberal promoters on global south economies. It is also argued that local political elites use microcredit programmes as a tool for advancing patronage. Motivated by this foregoing school of thought, we contend in this paper that info

APA, Harvard, Vancouver, ISO, and other styles

31

Farfan, Kurt Burneo, Gabriela Barriga Ampuero, Edmundo R. Lizarzaburu, and Julio Cisneros. "Credit risk in emerging markets Peruvian listed company." Risk Governance and Control: Financial Markets and Institutions 7, no. 3 (2017): 55–64. http://dx.doi.org/10.22495/rgcv7i3p6.

Full text

Abstract:

The aim of this paper is to introduce the importance of the banking credit risk, the main elements that conform it and the main alternatives that are offered to access to a loan as well as a description of its measurement and management in the sector. There will be a general explanation of credit risk and the main parties involved in it. As the topic is developed it is going to be analyzed the lending process carried out by the banks as well as the quantitative and qualitative elements taken into account when taking a credit decision (The 5C’s of credit, credit scoring and models for quantific

APA, Harvard, Vancouver, ISO, and other styles

32

Shehu, Blerim. "ANALYSIS FOR THE PURPOSE OF CREDIT." KNOWLEDGE INTERNATIONAL JOURNAL 31, no. 5 (2019): 1425–29. http://dx.doi.org/10.35120/kij31051425s.

Full text

Abstract:

This topic addresses the financial analysis of a business for lending purposes. Often a business is analyzed as a potential borrower. The lending activity by the financial institutions is complex and in itself contains other elements besides the sound analysis of the financial statements. These other elements are: recognition of the applicant's activity for the loan or its past repayment. The handling of many elements will help the analysts with the purpose of lending. The analysis of financial assets is done by banks, credit analysts for credit granting. The financial statements and the analy

APA, Harvard, Vancouver, ISO, and other styles

33

Malakauskas, Aidas, and Aušrinė Lakštutienė. "Financial Distress Prediction for Small and Medium Enterprises Using Machine Learning Techniques." Engineering Economics 32, no. 1 (2021): 4–14. http://dx.doi.org/10.5755/j01.ee.32.1.27382.

Full text

Abstract:

Financial distress prediction is a key challenge every financing provider faces when determining borrower creditworthiness. Inherent opaqueness of Small and Medium Enterprise business complicates credit decision making process, therefore increasing cost to finance and lowering probability of receiving funds. This paper used data on 12.000 SMEs to estimate binomial classifiers for financial distress prediction using Logistic Regression, Artificial Neural Networks and Random Forest techniques. Classical financial ratios were used to estimate initial single-period predictors, which were later enh

APA, Harvard, Vancouver, ISO, and other styles

34

Bharti, Urmila, and Manisha Verma. "Pradhan Mantri Mudra Yojana." Journal of Business Management and Information Systems 10, no. 1 (2023): 31–36. http://dx.doi.org/10.48001/jbmis.2023.1001007.

Full text

Abstract:

The setting up of Pradhan Mantri Mudra Yojana and MUDRA attempted to fill or reduce the financial crisis in the micro enterprises to stimulate economic development. MUDRA has been aimed at administering a common platform to both banks and tiny enterprises customers and plays a significant role by bringing them together to this platform. It has been set up as a refinancing institution. Its main goal is to provide mudra loans up to Rs 10,00,000 to the micro enterprises through last mile financiers, so that they can start or expand their businesses. Its primary goal is to refinance various last-m

APA, Harvard, Vancouver, ISO, and other styles

35

Нехайчук, Ю. С., Е. А. Туманова, Д. В. Григор, and М. В. Комиссаров. "Credit risk management: the Crimean banking sector in the modern realities of the Russian banking system." Экономика и предпринимательство, no. 12(125) (February 16, 2021): 1208–12. http://dx.doi.org/10.34925/eip.2021.125.12.242.

Full text

Abstract:

Научная статья крымских авторов посвящена актуальным вопросам управление кредитным риском на примере крымского банка. Показано, что практическая оценка кредитоспособности предприятия включает такие характеристики как общее представление о клиенте, анализ финансового состояния клиента и анализ эффективности объекта кредитования или инвестиционного проекта. В научном исследовании проведен анализ основных экономических показателей ПАО «РНКБ Банк» за 2017-2019 гг., показана динамика основных показателей финансовой деятельности банка, достаточности капитала. Проанализирована структура кредитного по

APA, Harvard, Vancouver, ISO, and other styles

36

Nasution, Ira Nirwana, and Khairunnisah Lubis. "Implementasi Kebijakan Pemerintahan Desa dalam Meningkatkan Usaha Mikro Kecil dan Menengah di Desa Laut Dendang Kecamatan Percut Sei Tuan Kabupaten Deli Serdang." Al-DYAS 4, no. 2 (2025): 1065–85. https://doi.org/10.58578/aldyas.v4i2.5973.

Full text

Abstract:

This study aims to analyze the implementation of village government policies in supporting the development and empowerment of Micro, Small, and Medium Enterprises (UMKM) through the Village-Owned Enterprise (Badan Usaha Milik Desa/BUMDes) Bumi Pertiwi in Laut Dendang Village, Percut Sei Tuan Subdistrict, Deli Serdang Regency. The background of this study is the high number of UMKM actors in the village and the existence of village policies aimed at strengthening the local economic sector. This research employed a descriptive qualitative approach with data collected through in-depth interviews,

APA, Harvard, Vancouver, ISO, and other styles

37

Santos, Daiane Rodrigues dos, Josué Araujo Dutra Louviz de Azevedo, and Tuany Barcellos. "Credit and Productive Inclusion: An Analysis of the Brazilian Experience with the National Program for Oriented Productive Microcredit." International Journal of Economics and Finance 17, no. 8 (2025): 1. https://doi.org/10.5539/ijef.v17n8p1.

Full text

Abstract:

Microcredit serves as a key instrument to stimulate productive activities by enabling low-income individuals to establish or expand their businesses. Beyond enhancing income and quality of life, microcredit promotes financial inclusion and economic development, thereby reducing poverty and inequality by providing tools for greater economic independence. However, to maximize outcomes, incorporating technical guidance is crucial to optimize resource allocation. The positive impact of microcredit extends beyond income, encompassing improvements in mental health and the empowerment of vulnerable g

APA, Harvard, Vancouver, ISO, and other styles

38

Syed Nor, Sharifah Heryati, Shafinar Ismail, and Bee Wah Yap. "Personal bankruptcy prediction using decision tree model." Journal of Economics, Finance and Administrative Science 24, no. 47 (2019): 157–70. http://dx.doi.org/10.1108/jefas-08-2018-0076.

Full text

Abstract:

Purpose Personal bankruptcy is on the rise in Malaysia. The Insolvency Department of Malaysia reported that personal bankruptcy has increased since 2007, and the total accumulated personal bankruptcy cases stood at 131,282 in 2014. This is indeed an alarming issue because the increasing number of personal bankruptcy cases will have a negative impact on the Malaysian economy, as well as on the society. From the aspect of individual’s personal economy, bankruptcy minimizes their chances of securing a job. Apart from that, their account will be frozen, lost control on their assets and properties

APA, Harvard, Vancouver, ISO, and other styles

39

Ніколаєва, Анжела, and Світлана Пиріг. "FEATURES OF ASSESSING THE CREDIT CAPACITY OF BUILDING COMPLEX ENTERPRISES." Економічні науки. Серія "Регіональна економіка", no. 19(75) (December 29, 2022): 191–200. http://dx.doi.org/10.36910/2707-6296-2022-19(75)-22.

Full text

Abstract:

The article defines the risks of crediting the construction complex and further developed the methodology for assessing the creditworthiness of construction enterprises, taking into account the specifics of construction projects. The main purpose of the study is to identify the peculiarities of lending in the construction industry and to detail the available creditworthiness assessment methods, taking into account the specifics of the functioning of the construction organization and the characteristics of construction projects. The systematization of literary sources and approaches to so

APA, Harvard, Vancouver, ISO, and other styles

40

Abdi, Abdikarin Ahmed, Ismail Ahmed Mohamud, and Fatima Mohamed Hussein. "BORROWER'S CHARACTERISTICS AND LOAN REPAYMENT PERFORMANCE AMONG SMALL AND MEDIUM ENTERPRISES IN MOGADISHU, SOMALIA." Journal of Asian and African Social Science and Humanities 9, no. 2 (2023): 87–95. http://dx.doi.org/10.55327/jaash.v9i2.306.

Full text

Abstract:

Loan repayment among small and medium enterprises in Mogadishu has remained a challenge as demonstrated by the low recovery rates recorded by the available financial institutions like commercial banks and microfinance institutions in Somalia. This situation has contributed towards a reduction on profitability margins reported by these financial institutions. This study was set out to establish the effect of borrower's characteristics on loan repayment performance among small and medium enterprises in Mogadishu, Somalia. The information asymmetry theory provided anchorage to the study. It was o

APA, Harvard, Vancouver, ISO, and other styles

41

Kiyak, Deimena, and Laura Paulionienė. "Activity evaluation of Lithuania credit unions." Buhalterinės apskaitos teorija ir praktika, no. 15A (July 9, 2014): 118–32. http://dx.doi.org/10.15388/batp.2014.15a.10.

Full text

Abstract:

The bank of Lithuania in its supervisory functions evaluates how credit unions carries out the prudential norms (capital adequacy, liquidity, maximum open position in foreign currency, the maximum loan amount per borrower, large loan requirements), examine the overall financial condition of the credit union, is watching whether the credit union's activities comply with laws, regulations, statutes and internal union document requirements. However, the steady growth of the credit union's capital, loan number and size of credit unions operating regulations limiting still does not measure the cred

APA, Harvard, Vancouver, ISO, and other styles

42

Pyroha, Serhii. "Problems of legal regulation of thin capitalization in Ukraine." Problems of legality 1, no. 164 (2024): 120–34. http://dx.doi.org/10.21564/2414-990x.164.296330.

Full text

Abstract:

The proliferation of multinational companies is lengthening global value chains, and the development of the digital economy is giving them even more opportunities to shift profits. Intra-group loans are often used to shift profits to a jurisdiction with low tax rates to minimize overall tax liability. In order to combat the illegal transfer of profits, most countries introduce thin capitalization rules. Ukraine joined the BEPS plan, action 4 of which summarized the best practices for regulating debt obligations to non-residents. Most countries limit the total amount of loans, interest payments

APA, Harvard, Vancouver, ISO, and other styles

43

Nahirna, Alla, Oleksandra Chumachenko, and Olena Pyechkurova. "Information System Assessment of the Creditworthiness of an Individual." NaUKMA Research Papers. Computer Science 5 (February 24, 2023): 45–48. http://dx.doi.org/10.18523/2617-3808.2022.5.45-48.

Full text

Abstract:

Nowadays enterprise information systems of banks provide modules for calculating creditworthiness of the business. Such systems are complex and it is difficult to maintain and develop them. Moreover, it requires the involvement of large teams. In addition, systems are complicated to change and update in accordance with changes in current legislation. From another point of view, demand for consumer loans is high, and creating a separate module for calculating the creditworthiness of an individual is appropriate in case of increasing the adaptability to changes and updates of the system. Calcula

APA, Harvard, Vancouver, ISO, and other styles

44

Blahun, Ivan S., and Stepan Ye Nastoshyn. "Assessing the Efficiency of Use of Leasing as a Means of Fixed Assets Renovation at the Enterprise." Business Inform 9, no. 536 (2022): 108–13. http://dx.doi.org/10.32983/2222-4459-2022-9-108-113.

Full text

Abstract:

The article analyzes modern methods for assessing the efficiency of use of leasingas a means of updating the fixed assets of an enterprise. It is noted that the use of a loan is generally more appropriate if the collateral that the borrower wants to own at the end of the term retains its value after the term of the transaction. Leasing should be used for property that depreciates rapidly, such as high-tech products, and does not retain its value at expiration. It is shown that in order to make economically sound decisions, it is advisable to analyze a leasing agreement as an investment project

APA, Harvard, Vancouver, ISO, and other styles

45

KVASNYTSIA, Oksana, Yuriy GUDUS, and Oleh KLYMYK. "MANAGEMENT OF INVOLVED FINANCIAL RESOURCES OF COMMERCIAL ENTERPRISES IN WARTIME CONDITIONS." WORLD OF FINANCE, no. 1(82) (2025): 139–46. https://doi.org/10.35774/sf2025.01.139.

Full text

Abstract:

Introduction. The financial resources of a commercial enterprise are represented by its own and borrowed funds. Own resources are the part of assets that remains after paying its obligations. The predominance of equity in the structure of financial resources means that the enterprise has higher financial stability, and if the majority of it is borrowed funds, this indicates a decrease in solvency and a deterioration in the financial condition of the company. However, in modern wartime conditions, commercial enterprises are forced to attract financial resources from various sources in order to

APA, Harvard, Vancouver, ISO, and other styles

46

Масленников, Анатолий, and Anatoliy Maslennikov. "ANALYSIS AND ASSESSMENT OF THE CREDITWORTHINESS OF BORROWER." Services in Russia and abroad 10, no. 5 (2016): 58–68. http://dx.doi.org/10.12737/21196.

Full text

Abstract:

In modern conditions commercial banks and enterprises inadequate use the credit opportunities for innovative projects investment to ensure the continuity and acceleration of the reproduction process and timeliness of settlements with suppliers and creditors. Banks need to significantly change the approach to the analysis and assessment of the creditworthiness of borrower and methods for their implementation.  This article clarifies the concept of &#34;creditworthiness&#34;, defines list of tasks to be solved in the process of analysis and assessment of borrower’s status. Th

APA, Harvard, Vancouver, ISO, and other styles

47

Zahynailo, Yuliia, and Oleksandr Doroshenko. "Role of Credit in the Development of Ukraines Economy." Modern Economics 22, no. 1 (2020): 18–23. http://dx.doi.org/10.31521/modecon.v22(2020)-03.

Full text

Abstract:

Introduction. It is known that credit is a significant achievement of mankind. The emergence and development of credit took place on the basis of the money function as a means of circulation. The development of commodity production and the need for increased working capital are the economic reasons for the credit need. Purpose .The aim of the article is to determine the role of bank credit in the economy of Ukraine and analysis of key indicators of credit activity. Results. The dynamics of loans to residents by sectors of the economy and the types of currencies and maturities for loans were st

APA, Harvard, Vancouver, ISO, and other styles

48

Jin, Yuhuan, and Sheng Zhang. "Credit Rationing in Small and Micro Enterprises: A Theoretical Analysis." Sustainability 11, no. 5 (2019): 1330. http://dx.doi.org/10.3390/su11051330.

Full text

Abstract:

One of the features of credit markets is that borrowers are sometimes rationed in the amount that they can borrow, which differentiates them from other markets. Small and micro enterprises (SMEs) are more likely to be eliminated than large and medium-sized enterprises under credit rationing. However, SMEs play a significant role in employment creation and growth of gross domestic products in developing countries. So, it is of great significance to study the reasons why SMEs are more vulnerable to credit constraints. By considering the differences in characteristics between SMEs and large and m

APA, Harvard, Vancouver, ISO, and other styles

49

Nataiia, SHULHA, KOTENKO Uliana, and STEPANYK Alyona. "BANK LENDING OF COMMERCIAL REAL ESTATE." Herald of Kyiv National University of Trade and Economics 139, no. 5 (2021): 112–26. http://dx.doi.org/10.31617/visnik.knute.2021(139)08.

Full text

Abstract:

Background. Banks’ proposals of loans for commercial real estate services have some differences in standard and non-standard terms of their provision. Instead, most clients focus only on standard loan terms and only some of them on non-standard ones. A comprehensive approach to the simultaneous consideration of standard and non-standard conditions for obtaining a loan for commercial real estate has not been developed in modern theory and practice of banking, which should be the basic basis for the borrower’s decision in choosing of the lending bank. The aim of the article is to identify curren

APA, Harvard, Vancouver, ISO, and other styles

50

Singh, Mamta, and Jyoti Verma. "The Effect of Entrepreneurship Education on Micro-entrepreneurial Outcomes Funded by MFIs." European Conference on Innovation and Entrepreneurship 18, no. 2 (2023): 822–30. http://dx.doi.org/10.34190/ecie.18.2.1486.

Full text

Abstract:

Microfinance institutions (MFIs) are widely catering to millions of customers deprived of mainstream lending services. Beyond doubt, they are fulfilling their goal of loan provision to the deprived creating an opportunity for them to better their lives. Herein, arises a critical question, whether loan is enough to achieve the primary purpose of this very loan, which is the upliftment of the borrower, or more than funding is needed? Deep investigation is deemed to explore an answer to this. In this process, this paper compares the performance of micro-entrepreneurs who undergo and who do not un

APA, Harvard, Vancouver, ISO, and other styles

We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!