Згідно з Наказом Міністерства освіти і науки України від 28.12.2019 № 1643
журнал внесено до Переліку наукових фахових видань України 
(категорії “Б”з економічних наук

Проводимо набір статей до публікації у науковому фаховому журналі "Вісник КНТЕУ" з економічних наук

CREDIT WORTHINESS OF AGRICULTURAL ENTERPRISES

Автор: Sveta on .

Cite as APA style citation
Gerbych L., Netrebchuk L. Kredytospromozhnist' sil's'kogospodars'kyh pidpryjemstv. Visnyk Kyi'vs'kogo nacional'nogo torgovel'no-ekonomichnogo universytetu. 2020. № 5. S. 88-101.

FREE FULL TEXT (PDF)
DOI:  http://doi.org/10.31617/visnik.knute.2020(133)08

UDC 336.77:631.11
JEL Classification: D81, E51, Q14


HERBYCH Liudmyla,
PhD in Economics, Associate Professor of the Banking Department
Kyiv National University of Trade and Economics
Kioto str.,19, Kyiv, 02156, Ukraine

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ORCID: 0000-0002-3560-5777  

 
NETREBCHUK Larysa,
Senior Lecturer, of the Banking Department
Kyiv National University of Trade and Economics
Kioto str.,19, Kyiv, 02156, Ukraine

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ORCID: 0000-0003-4942-5299 

CREDIT WORTHINESS OF AGRICULTURAL ENTERPRISES

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 analyze the factors of credit worthiness of the agricultural enterprises. The methodological basis consisted of system-structural, compa­rative analysis and logical generalization methods. The information basis of the research is analytical materials, scientific researches, results of own researches.
Results. The purpose of assessing the credit worthiness of the agricultural enterprise is to obtain a quantitative and qualitative assessment of the borrower’s activities by a cre­ditor. Based on this, creditor assesses the risk of lending and decides about the possibility and con­ditions of lending or refusal to the borrower. Existing methods of assessing the credit worthiness of the agricultural enterprises do not often take into account the peculiarities of their activities, which directly affect the ability of these enterprises to repay the loan. During the assessing the credit worthiness of the agricultural enterprise, it is appropriate to take into account financial indicators that characterize its financial position and non-financial factors that describe the actual and potential conditions of its management. Based on the results of systematization of existing approaches and own conclusions, it is proposed to classify the factors influencing the credit worthiness of the agricultural enterprises by the source of influence on the company, the possibility of influence by the company, the method of measurement, nature.
Conclusion. The article presents the author’s vision of the classification factors influencing the agricultural enterprises ability to obtain credit and expand their list by addition them with factors of soil quality and organic production, which will reduce the credit risk of financial institutions in lending.
Keywords: credit worthiness, agricultural enterprise, factors, classification.

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