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Autor	Natalia Wasilewska, Mirosław Wasilewski, Serhiy Zabolotnyy
Tytuł	The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness
Title	The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness
Słowa kluczowe	financial condition assessment, lending to enterprises, credit history, liquidity, debt, business activity, profitability
Key words	financial condition assessment, lending to enterprises, credit history, liquidity, debt, business activity, profitability
Abstrakt	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 creditworthiness increase the accuracy and credibility of such assessments and help to minimize credit risks.
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 creditworthiness increase the accuracy and credibility of such assessments and help to minimize credit risks.
Cytowanie	Wasilewska N., Wasilewski M., Zabolotnyy S. (2018) The Enterprise’s Financial Condition Assessment as a Component of its Creditworthiness.Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego, t. 18(33), z. 4: 493-503
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Pełny tekst	PRS_2018_T18(33)_n4_s493.pdf

Autor	Nadiia Davydenko, Natalia Wasilewska
Tytuł	ASSESSMENT OF THE CREDIT HISTORY OF ENTERPRISES
Title
Słowa kluczowe	ocena historii kredytowej, kryzys sektora bankowego, kredytowanie przedsiębiorstw, zadłużenie przeterminowane, dług przedłużony, czas trwania historii kredytowej
Key words	assessment of credit history, crisis of the banking sector, lending to enterprises, overdue debt, prolonged debt, duration of credit history
Abstrakt	Opisano stan sektora bankowego na Ukrainie. Analizowane są czynniki, które utrudniają rozwój kredytów dla przedsiębiorstw. Ocena historii kredytowej ukraińskich przedsiębiorstw w latach 2009 i 2017 została przeprowadzona w celu porównania i zidentyfikowania różnic i przyczyn, które do tego doprowadziły. Zgodnie z wynikami przeprowadzonych badań, proponuje się wprowadzenie zmian w metodologicznych podejściach do oceny historii kredytowej przedsiębiorstwa w celu zwiększenia dokładności takiej oceny.
Abstract	This is the first of 5 articles describing a research conducted to assess the creditworthiness of enterprises and the impact of such an assessment on the level of lending rates during the crisis that has covered the banking sector in Ukraine. In the framework of this study, it was assumed that the creditworthiness of agrarian enterprises involves the following four factors which are subject to the assessment: the credit history of the enterprise, its financial status, business plan and the adequacy of the security (the subject of the mortgage). This article describes the results of the assessment of the credit history of the enterprise. The aim of the study is to identify the quantitative measure of the correlation between the assessment of the credit history of enterprises and the level of repayment of credit in a crisis of the banking sector, as well as the improvement of methodological approaches to such an assessment.
Cytowanie	Davydenko N., Wasilewska N. (2017) ASSESSMENT OF THE CREDIT HISTORY OF ENTERPRISES.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 18(67): 229-239
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Pełny tekst	PEFIM_2017_n67_s229.pdf