Перегляд за Автор "Dykha, Mariia V."

Зараз показуємо 1 - 2 з 2
  • Ескіз
    Документ
    Business angels as an alternative to financial support at the early stages of small businesses’ life cycle
    (LLC “Consulting Publishing Company “Business Perspectives”, 2018) Pedchenko, Nataliya; Strilec, Victoria; Kolisnyk, Galina M.; Dykha, Mariia V.; Frolov, Serhiy
    In the process of small business establishment and development, it is very important to understand both the financial needs of entrepreneurs and the main obstacles and difficulties arising in the way of financing. Alternative sources of financial support, along with traditional ones, create opportunities to increase funds, but the solution to the issue of their attraction should be based on modern effective methods and decision- making technologies. The article uses the decision tree method to determine the optimal alternative to financial support of small business at the early stages of the life cycle. The results highlight the importance of alternative source of resources for small business entities, namely business angels’ means. The empirical and statistical analysis confirms that access to alternative sources of financing for small businesses in EU countries is improving, while in Ukraine, informal financing is a rather new and underdeveloped area. Based on the analysis of the advantages of using the business angels’ funds, it was concluded that they need to implement their potential in small business of Ukraine. The results show that the decision tree method is an effective tool for deciding on the prioritization of a financial alternative to the small business, and is characterized by ease of use, forecast precision and problems solution novelty.
  • Ескіз
    Документ
    Defining the probability of bank debtors’ default using financial solvency assessment models
    (LLC “Consulting Publishing Company “Business Perspectives”, 2018) Kuznichenko, Yana; Dykha, Mariia V.; Pavlova, Natalia; Frolov, Serhiy; Hryhorash, Olha
    Due implementation of debtors’ financial solvency assessment models by Ukrainian banks with the aim of calculating the probability of their default (PD) is the next step towards the integration of Ukrainian banking system into global banking community, convergence of methodical approaches to assessing the credit risk with standards of international practice, possibility of using IRB-approach (an approach based on internal ratings) for calculating the regulatory requirements to capital adequacy. The analysis of approaches to bank credit portfolio segmentation according to types of debtors and debtors’ financial solvency assessment models, depending on the performed segmentation and accumulated bank statistical data, from the point of view of its suitability for Ukrainian banks, will enable the banks to choose the most suitable ones for implementation taking into account nature and complexity of operations performed. Such approaches will be more adapted to minimum capital requirements, simultaneously agreeing with national supervisory priorities.