Analysis of Trends in Mortgage Lending in the Agricultural Sector of Ukraine
Iryna Perevozova,
Oksana Malynka,
Vitalii Nitsenko (vitaliinitsenko@onu.edu.ua),
Halyna Kryshtal,
Viktoriia Kostiuk and
Vitaliia Mishchenko
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Iryna Perevozova: Department of Entrepreneurship and Marketing, Institute of Economics and Management, Ivano-Frankivsk National Technical Oil and Gas University, 76019 Ivano-Frankivsk, Ukraine
Oksana Malynka: Department of Entrepreneurship and Marketing, Institute of Economics and Management, Ivano-Frankivsk National Technical Oil and Gas University, 76019 Ivano-Frankivsk, Ukraine
Vitalii Nitsenko: Department of Entrepreneurship and Marketing, Institute of Economics and Management, Ivano-Frankivsk National Technical Oil and Gas University, 76019 Ivano-Frankivsk, Ukraine
Halyna Kryshtal: Department of Accounting and Taxation, Interregional Academy of Personnel Management, 03039 Kyiv, Ukraine
Viktoriia Kostiuk: Department of Banking and Insurance, National University of Life and Environmental Sciences of Ukraine, 03041 Kyiv, Ukraine
Vitaliia Mishchenko: Department of Finance, Banking and Insurance, State Biotechnological University, 61002 Kharkiv, Ukraine
JRFM, 2023, vol. 16, issue 5, 1-17
Abstract:
This study has the following objectives: to analyze the state of agrarian business lending and the market of banking services, establish the reasons for the insufficient level of mortgage lending implementation, and develop ways and tools to improve lending to the agrarian sector. The research methodology considers a systematic approach to the statistical analysis of bank lending in the agricultural sector of Ukraine, the development of criteria, and the implementation of the hierarchy analysis method for the reasonable selection of a loan product and banking institution. We conducted an analysis of the current state of lending to agricultural enterprises. We also analyzed lending trends, loan products, and basic lending terms by banks of Ukraine to agricultural enterprises. The share of bank lending of the working capital of the agricultural industry was estimated. The dynamics of preferential lending to the agricultural sector were determined. Its essence is that banks with partial repayment of loan rates are given loans at the expense of the state budget. The directions and volumes of borrowed loan resources usage by agricultural enterprises were considered. It is recommended to use the hierarchy analysis method by T. Saaty for choosing an effective loan product. We developed the criteria that could be applied when selecting a loan product. We also determined potential directions for the development of mortgage lending for the agricultural sector.
Keywords: agricultural sector; collateral liquidity; credit rates; hierarchy analysis method; land market; mortgage lending (search for similar items in EconPapers)
JEL-codes: C E F2 F3 G (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:gam:jjrfmx:v:16:y:2023:i:5:p:255-:d:1131371
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