Improving the methodology for assessing the reliability of customers when providing them with commodity credit

Abstract

When making a managerial decision to provide a commodity loan to a wholesale buyer, the task of determining the reliability of the client is very relevant. The article proposes to improve the methodology for assessing the reliability of customers of an agricultural enterprise, based on the well-known method of ABC-XYZ analysis. Several reasons have been identified according to which the application of this method in the conditions of many enterprises can give questionable quality results. Therefore, when distributing debtors by groups XYZ (according to the degree of predictability of the objects) it was decided to refuse to calculate the coefficient of variation. It is proposed to distribute clients by XYZ groups based on the results of the rating score according to several criteria. According to the authors, selected and suggested criteria the best describes the reliability of the potential debtor in the particular case of the agricultural enterprise. The technique itself has a low labor intensity. It will allow as much as possible to differentiate approach to the conditions of granting a commodity loan, as well as to the means of recovery of debts.

Authors and Affiliations

S. M. Gribkova, D. Belous

Keywords

Related Articles

Motives and methods of motivating investment activity of enterprises

The article is devoted to research of motives and methods of motivation of investment activity of enterprises. A study was made of various groups of motives that lead to investment transformations, and methods for motiva...

Foreign experience of granting customs privileges to enterprises in the industrial parks: conclusions for Ukraine

The article emphasizes the importance of the crea-tion of industrial parks in Ukraine in order to accelerate economic and regional industrial development. The au-thors carried out a comparative analysis of the "special p...

Steady development of personnel of industrial enter-prises: problems and decisions

Research actuality and essence of concept "steady development of personnel" are certain, his new vision is presented. The aims of steady development of personnel are distinguished, what are specified in basic tasks and d...

Franchising as an effective form of development of innovative entrepreneurship in Ukraine

In the article essence of franchising is certain as an effective form of collaboration of franchisor, that owns successful business and franchayzi, that gets permission on using the chart of business of franchisor on the...

The mechanism of institutionalization of public-private forms of management is a constant spatial development of Ukraine

The article has developed and substantiated the structure, content, as well as defined the functions and stages of the formation of the mechanism of institutional provision of public-private forms of management of sustai...

Download PDF file
  • EP ID EP337469
  • DOI -
  • Views 126
  • Downloads 0

How To Cite

S. M. Gribkova, D. Belous (2018). Improving the methodology for assessing the reliability of customers when providing them with commodity credit. Науковий журнал "Економічний вісник Донбасу", 2(52), 102-107. https://europub.co.uk/articles/-A-337469