Rating assessment of financial condition of agricultural organizations by credit scoring

2019 ◽  
Vol 1 (80) ◽  
pp. 14-18
Author(s):  
Anatoly Prudnikov ◽  
◽  
Anastasia Karpusenko ◽  
Keyword(s):  
Credit Scoring ◽  
Financial Condition ◽  
Agricultural Organizations

THE FACTORS DETERMINING PROFITABILITY OF GRAIN PRODUCTION IN A REGION

2019 ◽  
Vol 1 ◽  
pp. 344
Author(s):  
Sergei Vorobyov ◽  
Viktoria Vorobyova ◽  
Artem Shmakov
Keyword(s):  
Economic Efficiency ◽  
Structural Factors ◽  
Grain Production ◽  
Production Sector ◽  
Altai Region ◽  
Financial Condition ◽  
Main Production ◽  
Agricultural Organizations ◽  
Economic Zones

The research was conducted in order to determine influence of structural factors on profitability of grain production in the Altai Region, which is one of the main producers of grain in Russia. The influence of specialization and placement on the economic efficiency of grain production in the Altai Region was determined, factors for the formation of financial results and the financial condition of grain-type organizations were revealed. Comparison of agricultural organizations for which grain farming was the main production sector indicates that in case of increase in the cultivation area, the economic efficiency of resource use will be increased, despite higher costs per hectare of grain crops. The variation of organizations in the profitability of production is explained by the imperfection of the management system of the main branches in separate agricultural organizations, including non-optimal production volumes and placement in natural and economic zones. In the largest highly tailored organizations the economic efficiency of the resources used increased in the short-term perspective rose, but risks of its decline are created in the long-term period.

scholarly journals Improving Investment Management in Agribusiness

2021 ◽  
Vol 39 (5) ◽  
Author(s):  
Olesya Finagina ◽  
Larysa Prodanova ◽  
Olha Zinchenko ◽  
Ievgen Buriak ◽  
Oleksandr Gavrylovskyi ◽  
...  
Keyword(s):  
Risk Management ◽  
The State ◽  
Theoretical Studies ◽  
Investment Management ◽  
Distinctive Features ◽  
Financial Condition ◽  
Investment Financing ◽  
External Sources ◽  
Agricultural Organizations ◽  
Effective Planning

The financial condition of many agricultural organizations does not allow financing investments at the expense of funds; therefore, there is a need for investments, borrowed sources of investment financing are too expensive. Therefore, the issue of improving investment management in agribusiness is incredibly urgent. To develop proposals, the authors analyzed theoretical studies in this area, as well as the state of agribusiness in Ukraine and investment trends. Based on the study, the authors proposed a mechanism for improving investment management in agribusiness, the distinctive features of which are the cooperation of internal and external sources, as well as risk management due to the specifics of the industry. Using a practical example, the authors showed an example of risk management in agriculture, which confirmed that taking risks into account leads to the more correct and effective planning of investment activities.

CONCEPTUAL APPROACH TO THE ASSESSMENT OF THE FINANCIAL CONDITION OF AGRICULTURAL ORGANIZATIONS

2021 ◽  
Vol 1 (87) ◽  
pp. 128-134
Author(s):  
O.V. Sidorenko ◽  
◽  
S.A. Sergeeva ◽  
◽  
◽  
...  
Keyword(s):  
Conceptual Approach ◽  
Financial Condition ◽  
Agricultural Organizations

scholarly journals Methods of assessing the creditworthiness of the natural person borrower

2020 ◽  
pp. 170-177
Author(s):  
Svitlana Kucherenko ◽  
Oleh Kucherenko
Keyword(s):  
Credit Scoring ◽  
Point System ◽  
Successful Operation ◽  
Advantages And Disadvantages ◽  
Financial Condition ◽  
Natural Person ◽  
Analysis And Synthesis ◽  
Banking Institutions ◽  
Banking Institution ◽  
Graphical System

The purpose of the study is to analyze the methods of assessing the creditworthiness of the natural person borrower in terms of feasibility of its applying in various types of lending, as well as to provide the recommendations on the most effective method of implementing such an assessment in banking institutions practice.  Both general scientific and special methods of scientific knowledge have become the methodological basis of the article. In the process of writing the article the following methods were used: dialectical, economic comparisons and generalizations, grouping, graphical, system-structural analysis and synthesis. Results of work. In the article the modern methods of assessing the creditworthiness of the natural person borrower used by banking institutions in their practice are thoroughly investigated. The advantages and disadvantages of using each of them and the feasibility of applying different methods in providing various types of loans are substantiated. It is determined that the most promising method of assessing the creditworthiness of the natural person borrower is credit scoring.  The implementation of these recommendations will lead to the improvement and acceleration in providing the quality banking services for the client, as well as to the successful operation of the banking institution. Conclusions. The financial condition of the bank as a whole depends on the quality of assessing the creditworthiness of borrowers. Most often, the examination of the creditworthiness of individual borrowers is carried out on a point system for assessing the clients’ reliability. Based on the analysis of qualitative and quantitative indicators, the bank makes a conclusion about the reliability of a potential borrower and gives the assessment to the creditworthiness of the borrower. In considering the financial situation and economic condition of a potential borrower all the details are important, otherwise the bank may be at risk and suffer great losses. At the same time, the complexity of assessing the creditworthiness of the borrower makes financial institutions to apply the different approaches to evaluation methods. Careful clients’ selection based on the assessment of the borrower's creditworthiness allows the bank to minimize its credit resources loss.

Assessing the size of agricultural holdings

2020 ◽  
pp. 105-116
Author(s):  
N. I. Shagaida
Keyword(s):  
Russian Federation ◽  
Vertical Integration ◽  
Total Revenue ◽  
Large Share ◽  
State Support ◽  
The Russian Federation ◽  
Agricultural Organizations ◽  
Business Entities ◽  
To Receive

The article clarifies the concept of “agricultural holding”, using an approach to assessing the size on the basis of the total revenue of all agricultural organizations within the agricultural holding. It has been revealed that only 100 of the total number of agricultural holdings that were identified can be attributed to large business entities. They comprise about 3% of agricultural organizations in the country, while their share in the proceeds is about 37%. A large share of agricultural holdings — large business subjects under the control of Russian entities operate in one, and under the control of foreign legal entities — in three or more regions of the Russian Federation. Vertical integration within the framework of large agricultural holdings with different schemes for including the stages of processing and sale of products produced in their agricultural organizations allows them to receive advantages. Strengthening the role of large business entities in agriculture puts on the agenda the issue of differentiating approaches to taxation and state support in agriculture, depending on the size of the companies’ agricultural businesses.

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