Кафедра фінансів, банківської справи та страхування
Постійне посилання на фондhttps://repository.lntu.edu.ua/handle/123456789/59
Переглянути
13 результатів
Результати пошуку
Item type:Наукова стаття, Features of assessing the credit capacity of building complex enterprises(Lutsk: LNTU, 2022-12-29) Nikolaieva, Anzhela; Pyrih, SvitlanaThe 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 solving this problem showed that in the works of domestic and foreign scientists, many methodological approaches to assessing the creditworthiness of enterprises have been developed, in banking practice, a methodology for assessing the creditworthiness of the borrower has been developed, which takes into account the type of economic activity and the size of the enterprise. However, the existing methods of assessing the creditworthiness of the enterprise, which include a system of generalized indicators of the financial condition, need to be detailed taking into account the specifics of the functioning of the construction organization and the characteristics of construction projects. The urgency of solving this scientific problem lies in the fact that in the conditions of modern challenges of an unstable economy, the problem of assessing and managing the creditworthiness of construction enterprises remains a priority both for creditor banks and for the developers themselves. The study of the problem was carried out in the following logical sequence: first, the financial indicators of the enterprises of the construction complex in Ukraine were analyzed; the specific features of construction production were identified and the corresponding risks of lending to this sector of the economy were outlined; modern methods of assessing the creditworthiness of economic entities, which form quantitative and qualitative approaches to assessing the creditworthiness of the enterprise, are given; their advantages are determined; a system of indicators for assessing the creditworthiness of builders is proposed, which includes five blocks of indicators: an assessment of the current financial condition of the builder, an expert assessment of the construction project, an assessment of the business reputation of the construction company, an analysis of the adequacy of the provision, a description of the construction industry in the region. The methodological tools of the research were: systematic approach, methods of analysis and synthesis, logical generalization, comparison, etc. Enterprises of the construction complex of Ukraine were chosen as the object of the study, and the indicators of their creditworthiness were the subject. The results of the study can be used when assessing the creditworthiness of developers by their management and banks. The application of the proposed approach will increase the efficiency of crediting decisions, reduce banking risks and contribute to the effective development of the construction industry.Item type:Наукова стаття, Prospects for expansion of the insurance market through the prisence of financial activation of sustainable development in the region(2021-02-17) Ishchuk, Lesia; Nikolaieva, Anzhela; Polishchuk, VadymThis article summarizes the arguments and counterarguments in the scientific discussion on the main prospects for expanding the insurance market through the lens of the financial activation of the sustainable development of the region. The main aim of the study is the theoretical foundations of the insurance market in the context of financial activation of the region’s sustainable development. Systematization of literary sources and approaches to solving the problem of expanding the insurance market through the prism of financial activation of the region’s sustainable development showed that the majority of Ukrainian scientists who dealt with this issue considered certain instruments of activating influence on the social, economic and environmental spheres of the regions. The urgency of solving this scientific problem lies in the fact that the domestic insurance market is at the stage of its formation, in many cases it does not allow to use it as an effective tool for implementing state policy. Considering that sustainable development and insurance as a subsystem of a common economic space exert mutual influence on each other, the lack of a theoretical and methodological substantiation of the strategy for the development of the insurance market negatively affects the consistency and consistency of the sustainable development of society. The study of the problem of the implementation of insurance activities in Ukraine in the article is carried out in the following logical sequence: determining the sustainable development of the region and its revitalization; research of the insurance market at the present stage of development; setting priorities for the development of the insurance market in terms of ensuring the sustainable development of the region. The object of the research is the sustainable development of the region and its activation, as well as the insurance market of Ukraine. The article presents the results of an empirical analysis of the insurance market of Ukraine, showed that the insurance market has a tendency to develop. The main directions of the integration of insurance activities in the system of sustainable development of the region from the standpoint of its activation are proposed. The study empirically confirms and theoretically proves that the existing prospects for expanding the insurance market through the prism of financial activation of the sustainable development of the region. The results of the study can be useful for practitioners, academics, students, anyone interested in the concept of sustainable development.Item type:Наукова стаття, Theoretical and methodological aspects of the functioning of the problem credit management system in banks(Луцьк: ЛНТУ, 2022-08-25) Nikolaieva, AnzhelaThe article examines the theoretical, legislative, normative and methodical foundations of the organization of the problem credit management system in domestic banks. The purpose of the study is to develop the fundamental principles of the functioning of the universal system of problem credit management in Ukrainian banks, which contains a comprehensive nature. The systematization of literary sources and approaches to solving this problem shows that until now there is no single approach to the definition of "problem loans" and their classification in the economic literature and official sources of international financial institutions, in addition, in the current realities of the domestic banking system functioning, there is a need for systematization, clarification and additions to the methods, tools and principles of problem credit management. The urgency of solving this scientific problem lies in the fact that the formed system of problem credit management is comprehensive and universal in nature and will allow domestic banks to increase the effectiveness of existing problem credit debt management systems. The study of the problem covered in the article is carried out in the following logical sequence: definition of the concept of "problem loans" based on the generalization and comparative analysis of approaches interpreted in official sources of international financial institutions and scientific publications of domestic scientists; analysis of the dynamics of the volume and share of non-performing loans in the portfolio of the banking system of Ukraine and identification of the reasons for such changes; development of a problem credit management system, which is comprehensive and universal in nature. The methodological toolkit of the research was a set of complementary methods: generalization and comparative analysis, analysis and synthesis, system analysis, logical generalization, etc. The object of the study is portfolios of problem loans of domestic banks, as well as a set of methods and tools for their management. The article presents the results of a systematic analysis and logical generalization, which serve as the basis for the formation of a system of managing problem loans in banks, which involves a combination of strategy, purpose, principles, stages, methods and tools of the bank's work with problem debt. The results of the study can be useful for domestic banks and are aimed at increasing the efficiency of the organization of work with problem loans in banking structures.Item type:Наукова стаття, Strategy of the bank for reducing non-performing loans(Луцьк: ЛНТУ, 2022-10-10) Nikolaieva, AnzhelaThe article examines the theoretical, normative, and methodical aspects of the formation of banks' strategies for reducing non-performing loans, systematizes, supplements, and details the system of factors that cause non-performing loans in domestic banks. The purpose of the study is to systematize and detail the list of possible factors for the emergence of problem loans and to develop an appropriate strategy for reducing non-performing loans in domestic banks. The systematization of literary sources and approaches to solving this problem indicates the absence among scientists and experts in the banking sphere of a generally accepted system of factors for the emergence of non-performing loans in banks, which would take into account the different nature and subjects of their influence at the micro and macro levels. In addition, the study showed the need for the formation or revision of existing strategies for reducing non-performing loans, which will enable banks to be operationally ready for the settlement of particularly large volumes of non-performing loans in current realities. The urgency of solving this scientific problem lies in the fact that in the current conditions of a significant increase in the volume of non-performing loans, improving the quality of bank loan portfolios and ensuring the financial stability of the banking system as a whole is impossible without the development of a comprehensive strategy for reducing non-performing loans. The study of the problem covered in the article is carried out in the following logical sequence: identification of the factors of the occurrence of non-performing loans in banks at the micro- and macro-levels, their systematization, addition and detailing by the nature and participants of credit relations that caused their occurrence; development of the bank's strategy for reducing non-performing loans, which includes the main stages of a comprehensive action plan and appropriate measures for the settlement of problem credit debt at each of these stages. The methodological toolkit of the research was a complex of complementary methods: analysis and synthesis, cause and effect analysis – for systematization, detailing and addition to the list of internal and external factors of the occurrence of non-performing loans in banks, system-analytical, logical generalization – for the development of a strategy for reducing non-performing loans in domestic banks, etc. The object of the research is portfolios of non-performing loans of domestic banks, as well as a set of factors of their occurrence and measures to reduce them. The article presents the results of a cause-and-effect analysis, which made it possible to systematize, detail, and supplement the list of internal and external factors of the occurrence of non-performing loans in banks. The results of the system analysis and logical generalization are presented, which serve as the basis for the formation of a strategy for reducing non-performing loans in banks. The results of the research can be useful for Ukrainian banks, allowing them to minimize credit risks in the future.Item type:Наукова стаття, Management of the bank's credit portfolio under the conditions of the state of martial(Луцьк: ЛНТУ, 2023) Nikolaieva, AnzhelaThe article analyzes the peculiarities of the formation of credit portfolios of banks taking into account the influence of new global challenges, reveals the specifics of credit activity of banks in the conditions of the new reality, defines the main stages of credit portfolio management and the corresponding set of measures of the bank in the conditions of martial law with the aim of optimizing the credit portfolio and minimizing its risks. The main goal of the study is to identify peculiarities in the formation of the bank's credit portfolios, taking into account the impact of new threats, and to determine the main actions of the bank at various stages of credit portfolio management in order to optimize it and minimize risk under martial law. The systematization of literary sources and approaches to solving this problem showed that the issue of maintaining the appropriate level of quality of the loan portfolio in banks from the point of view of risks is constantly under the control of specialists and experts of the National Bank of Ukraine and is periodically studied by domestic and foreign scientists. However, there are still relevant issues that, in our opinion, require further research, in particular, the problem of increasing the efficiency of loan portfolio management under martial law conditions. The urgency of solving this scientific problem lies in the fact that with the beginning of full-scale military aggression, there is a deterioration in the quality of credit portfolios of banks from a risk perspective, which may further lead to an increase in systemic risks and the development of crisis phenomena in the banking sector and other areas of the economy. The study of the problem was carried out in the following logical sequence: first, the state of credit development in Ukraine was analyzed, taking into account the impact of such global challenges as the coronavirus pandemic and full-scale military aggression on the territory of our country; the influence of the economic and political situation in the country on the specifics of the formation of credit portfolios of banks is revealed, the main stages of credit portfolio management are determined, and a set of bank measures aimed at optimizing the credit portfolio and minimizing its risks under martial law conditions is summarized. The methodological tools of the research were: systematic approach, methods of analysis and synthesis, logical generalization, comparison, etc. The banking sector of Ukraine was chosen as the object of research, and the subject – indicators of credit activity of banks. The results of the study can be used in the analysis of banks' credit risk management strategy. Summarizing and defining the necessary set of measures of the bank at various stages of managing the credit portfolio in the conditions of the introduction of martial law is aimed at minimizing credit risks and increasing the profitability of the credit portfolio.Item type:Наукова стаття, The insurance services market in Ukraine: problems and determinants of development in the conditions of digitization of the economy(Луцьк: ЛНТУ, 2023-05-23) Nikolaieva, AnzhelaThe article examines the current state and features of the domestic insurance services market development, identifies and systematizes key problems in the field of insurance, indicates ways to solve them, and outlines the main determinants of the development of the insurance market in the context of digitalization of the economy. The purpose of the study is to identify and systematize the key problems of the insurance services market development in Ukraine, determine the ways to solve them and the determinants of the insurance market development in the context of digitalization of the economy. The study and systematization of literary sources and official reports of the NBU on the coverage of this issue testifies to the constant interest in this market segment among scientists and experts in the insurance field, and the need for further research to determine the main determinants of the activation of the insurance market development in the post-war period and in the context of further digitalization of the economy. The relevance of solving this scientific problem lies in the fact that recently there has been deterioration in the main indicators of the insurance market development in Ukraine, which, in our opinion, does not sufficiently fulfil its role in protecting and stabilizing the national economy. The study of the problem reflected in the article is carried out in the following logical sequence: analysis of the current state and development trends of the domestic insurance services market over the past six years; identifying the features of the activities of insurers during the war; systematization of key problems hindering their development with determination of ways to solve them; identification of priority digital technologies, the use of which can become a driver for the development of the domestic insurance market and will increase its competitiveness. The methodological tools of the study were a set of complementary methods: analysis and synthesis, causal analysis – to systematization of the reasons for restraining the insurance services market development in Ukraine, system-analytical, logical generalization – to develop ways to solve the identified problems and determine of the main determinants of its development. The object of the study is domestic insurance companies. The article presents the results of a causal analysis, which made it possible to determine a set of measures by the regulator and insurance companies aimed at overcoming the main problems in this industry. The results of a logical generalization are presented, which make it possible to determine the main digital technologies, the use of which can become a driver for the domestic insurance market development. The results of the study can be useful for Ukrainian insurance companies, which will allow them to increase their competitiveness in the market.Item type:Наукова стаття, Financing of construction enterprises of Ukraine in the conditions of current challenges(Lutsk, 2024-11) Nikolaieva, AnzhelaThe article examines the current state of financing and the peculiarities of the development of the domestic construction sector in wartime conditions. It was found that during global challenges, such as the corona virus epidemic and full-scale war in the country, the state of financing of construction enterprises worsened due to unprofitable operations, the growth of uncovered losses and, accordingly, the negative amount of equity capital. It has been established that construction and contracting organizations finance their activities mainly at the expense of borrowed funds, namely current liabilities and guarantees, and due to high interest rates and credit risks, they do not actively resort to bank lending today. The key determinants of the micro- and macroenvironment have been determined directly affect the structure of financial capital of construction enterprises. Summarized the main factors caused by the war, which negatively affect the activity of construction enterprises and the state of their financing. In particular, this is a change in logistics routes and an increase in energy costs; rising prices for construction materials; shortage of certain types of construction materials and construction products, a difficult situation with working capital and reserves that are quickly depleted; low market demand; forced shutdown of many construction sites for an indefinite period, etc. The main macroeconomic directions of promoting the development of the construction business and increasing its profitability have been determined, such as: a transparent program of post-war reconstruction of the country, active involvement of international partners in it; lowering the price of mortgage loans; stimulation of innovative technologies to reduce the cost of projects; solving problems with the logistics of supplying basic building materials; transparent government policy for developers and investors; stimulation of public-private partnerships for housing restoration, etc.Item type:Наукова стаття, The financial support system for agri-processing enterprises in Ukraine in the context of transformational economic recovery(Київ, 2026-05-12) Nikolaieva, AnzhelaThis article examines the state of financing for domestic enterprises operating in the milk processing and dairy product manufacturing sector; it identifies the key challenges facing their operations following the outbreak of full-scale war. The author has systematized the determinants influencing the effectiveness of financial support for milk processing enterprises. It has been established that the effectiveness of their financial support is shaped by the complex interaction of production-raw material, technological, logistical, market, financial-economic, regulatory and macroeconomic determinants. It has been revealed that for Ukrainian enterprises, the key factors are ensuring a stable raw material base, modernizing production capacities, optimizing logistics, the availability of financial resources, and the ability to adapt operations to socio-economic challenges, particularly under martial law. In the context of Ukraine’s European integration, considerable attention was paid to studying the European experience of financial support for enterprises in the milk processing sector. It has been established that a key feature of the European model of financial support for milk processing enterprises is the combination of own funds, long-term bank financing and targeted support instruments provided by the state and supranational EU institutions (Common Agricultural Policy, CAP). Overall, European experience demonstrates the effectiveness of a model based on the diversification of funding sources, the preference for long-term capital, and the active use of institutional support and cooperative forms of business organization, which are widespread in the dairy sector in many EU countries, including Poland. It is argued that such an approach creates the conditions for the sustainable development of dairy processing enterprises, enhancing their competitiveness and financial stability in a changing market environment. Taking into account European experience and the impact of socio-economic challenges, particularly military risks, on the operations of domestic dairy processing enterprises, a set of practical recommendations has been formulated aimed at improving the efficiency of financial support for operational activities and business scaling. The proposed measures are systematic in nature and envisage the simultaneous improvement of managerial, operational and investment decisions.Item type:Наукова стаття, Financial management of an enterprise’s business activities(Острог: Нац. ун-ту "Острозька академія", 2025-09) Oleksandrenko, Iryna; Nikolaieva, AnzhelaThe article argues that in conditions of martial law and unstable external business conditions, the level of enterprise business activity is diminished, a phenomenon clearly confirmed by the ineffective formation and use of resources. Therefore, to identify ways to increase business activity, it is necessary to study its essential characteristics and influencing factors, which will enable the selection of the most effective management decisions. The authors study the economic essence of an enterprise’s business activity as a complex characteristic of its state, reflecting its ability to effectively use available resources by ensuring high capital turnover to achieve competitiveness and leadership in various markets. The key properties underlying the identification of reserves for its improvement and the development of management decisions are identified. In particular, the main characteristics of an enterprise’s business activity include: stable market positions; the availability of regular and solvent suppliers and buyers; stable growth rates of production and sales volumes; low balances of finished products and production stocks; a sufficient level of business and product competitiveness; high product demand; and increasing market share. Given these essential characteristics, the role of business activity in specific operational areas is highlighted. The authors systematize the factors influencing an enterprise’s business activity, as understanding their essence makes it possible to reduce risks and threats and achieve efficiency in resource utilization. It is noted that an enterprise’s business activity changes under the influence of internal and external factors, mainly related to changes in the volume of production and sales. The essence and main tasks of managing an enterprise’s business activity are outlined. Structural elements of the financial mechanism for managing business activity and key management decisions aimed at improving it are proposed. Identifying the structural elements of this financial mechanism allows for the identification of financial methods, levers, and instruments, as well as the development of management decisions aimed at ensuring and increasing an enterprise’s business activity in the face of new challenges.Item type:Наукова стаття, Fiscal stability index in the context of financial policy: current challenges of Ukraine’s post-war reconstruction(Чайки: ФІНТЕХАЛЬЯНС, 2025-12) Polishchuk, Vadym; Dorosh, Viktoriia; Ishchuk, Lesia; Nikolaieva, Anzhela; Oleksandrenko, IrynaThe research examines indicators of fiscal stability by studying Ukraine's financial policy during military aggression and European integration using foreign examples. The purpose of the study is to analyze macroeconomic stability by examining indicators of the budget deficit, total public debt, and periodically adjusted budget balance. The intense concentration of financial resources has proven to have helped support the country’s defense capabilities. It analyzes the main threats to financial stability, which constitute long-term solvency risks. In the long run, the expected bankruptcy requires systemic reforms in the area of taxation and public financial management. The evaluation of international aid demonstrated its key role in maintaining macro-financial stability. At the same time, it was noted that over-reliance on international financial resources created risks for future financial independence. The identified needs of European integration demonstrated the importance of harmonizing Ukrainian fiscal policy with the prin ciples of transparency, responsibility, and accountability. The need to digitize budgetary processes was demonstrated, 1and the need to implement European practices in public debt management was confirmed. An analysis of European legislation from EU member states showed that fiscal discipline and stable rules allow for crisis resilience. It has been confirmed that the adaptation of Ukraine's approaches to EU debt sustainability criteria will ensure greater predictability of fiscal policy in the post-war context. The formulated conceptual approaches have shown that postwar financial strategy should combine eco nomic recovery with the modernization of major financial institutions. The budget stability index can be used to highlight the dynamics of the gradual strengthening of the financial system. It has been proven that public investments, public-private partnership mechanisms, and tax incentives are the basis for restoring confidence in public finances and laying the foundations for sustainable economic development.