Microfinance: Methods, Models and its Impact on Economic Development

2022 ◽  
Vol 18 ◽  
pp. 144-151
Author(s):  
Tetiana Kulinich ◽  
Nataliia Dobizha ◽  
Oksana Demchenko ◽  
Olena Bodnar ◽  
Viltoriia Myronchuk ◽  
...  
Keyword(s):  
Regression Analysis ◽  
Entrepreneurial Activity ◽  
Average Salary ◽  
Correlation And Regression Analysis ◽  
Academic Paper ◽  
Net Profit ◽  
High Level ◽  
The Cost ◽  
The Impact ◽  
Positive Results

The main purpose of the academic paper is to analyze the dynamics of microfinance services and assess their impact on the entrepreneurial activity of small and medium-sized enterprises and the consequences for the population. Methods of generalization, analysis, comparison, correlation and regression analysis have been used in order to achieve the purpose outlined. The academic paper considers the impact of microfinance services on the performance of small and medium-sized enterprises in the form of net profit. The results have showed that the impact of the cost of microfinance services on the development of financial activities of small and medium-sized businesses have a positive result, and, when using the proposed regression equation, the company will receive positive results in 2020-2024. The conducted correlation analysis of the impact of microfinance services on the level of the average salary of the population of Ukraine has revealed a high level of dependence of citizens on loans obtained. This is confirmed by the high correlation coefficient.

scholarly journals ASSESSMENT OF THE IMPACT OF THE BUSINESS ENVIRONMENT ON THE PROFITABILITY OF ENTERPRISES

2021 ◽  
Author(s):  
Eleonora Tereshchenko ◽  
Oksana Shkolenko ◽  
Viktoriya Andryeyeva
Keyword(s):  
Regression Analysis ◽  
Business Environment ◽  
Internal Factors ◽  
Systematic Assessment ◽  
Correlation And Regression Analysis ◽  
Net Profit ◽  
Macroeconomic Indicators ◽  
The Face ◽  
The Cost ◽  
The Impact

Based on the correlation and regression analysis, the article assesses the influence of external and internal factors of the business environment on the profitability of modern enterprises. The directions of improving the strategy for managing the profitability of domestic enterprises in the conditions of the dynamism of the business environment are determined, the implementation of which will give their leaders the opportunity to focus on the priorities of long-term development. Taking into account the impact of the variability of the business environment will allow enterprises to form an adaptation buffer in the face of the transformational challenges of our time. The expediency of carrying out a systematic assessment of the factors of the business environment for the activities of enterprises has been substantiated, the results of which will make it possible to adjust the priorities for the future development of entrepreneurial structures. The carried out correlation and regression analysis of the influence of the business environment made it possible to determine the progressive directions of the strategy for managing the profitability of enterprises. With the help of a quantitative assessment, a significant relationship was determined between the cost of goods sold and net profit, as well as the dependence of net profit on macroeconomic indicators of the country's development, in particular: the real wage index and the growth rate of nominal GDP. In today's dynamic business environment, one of the most important factors in the competitiveness of any enterprise is the development and implementation of a profit management strategy. Therefore, the authors have proposed strategic actions to manage profitability at the conditionally taken enterprise "XXX", namely: creation of an information base: analysis of the volume and composition of the income received; indicators that determine their size and leve; development of a forecast of possible options for the distribution of income by type of activity and their assessment; formation of the optimal variant of the distribution of enterprise income.

scholarly journals THE SAFETY AND SECURITY OF THE TOURISM ENTREPRENEURSHIP POTENTIAL REALIZATION IN MODERN CONDITIONS

2020 ◽  
Vol 6 (5) ◽  
pp. 203-208
Author(s):  
Iryna Mazur ◽  
Ramil Aliyev ◽  
Yuliia Zhelizko
Keyword(s):  
Regression Analysis ◽  
Safety Information ◽  
Security Threats ◽  
Test Results ◽  
Correlation And Regression Analysis ◽  
Tourist Flows ◽  
Political Security ◽  
High Level ◽  
The Impact ◽  
The Relationship

The purpose of the paper is to determine the relationship between different types of tourism safety and security, and components of the tourism entrepreneurship potential, to conduct a quantitative analysis of these indicators in the regions of Ukraine and to identify areas for ensuring the safety and security of the tourism entrepreneurship potential realization. Methodology. Analysis of tourism safety and security in Ukraine is based on the assessment of security potential indicator and the security threats indicator for 25 regions. These indicators take into account the following types of safety and security: security of tourist services, safety of tourist facilities and equipment, social security, political security, financial security, medical safety, information security, and ecological security. The impact of tourism safety and security on the tourism entrepreneurship potential realization is determined on the basis of correlation and regression analysis, where the indicator of the tourism entrepreneurship potential realization is the volume of domestic and inbound tourist flows in the region. The empirical basis of the study is the data of the State Statistics Service of Ukraine for 2019. The reliability of the regression model was tested on the basis of the approximation coefficient and Fisher's F-test. Results of the correlation analysis indicate a significant relationship between ensuring the safety and security of tourism in the region and the volume of domestic and inbound tourist flows. As a result of regression analysis, a model of a high level of reliability was obtained, which indicates how the volume of domestic and inbound tourist flows to the region increases with increasing the level of tourist safety and security by unit. Practical implications. Since the process of safety and security ensuring for the tourism entrepreneurship potential realization cannot be implemented exclusively at the regional level, it is justified the feasibility of a targeted public policy in eight areas. Value/originality. The identified relationship between the types of safety and security of tourism and components of the tourism entrepreneurship potential, as well as establishing the level of impact of safety and security of tourism on the tourism entrepreneurship potential realization in the region provide for a better understanding of ways for efficient governance in this area.

Analyzing the potential of entrepreneurial activity in the recreational sphere of Greater Yalta

2021 ◽  
Vol 14 (3) ◽  
pp. 281-297
Author(s):  
Igor' A. BUKREEV
Keyword(s):  
Human Capital ◽  
Regression Analysis ◽  
Resource Optimization ◽  
Entrepreneurial Activity ◽  
Business Activity ◽  
Working Capital ◽  
Case Methods ◽  
Correlation And Regression Analysis ◽  
Current State ◽  
High Level

Subject. The article investigates the potential of recreational business activity, which is understood as all financial, production, and entrepreneurial capabilities of enterprises in this area. Objectives. The purpose is to assess the recreational opportunities and provide recommendations, using the Greater Yalta case. Methods. The study employs methods of correlation and regression analysis, being the main tools for analyzing the activities of enterprises in the context of seasonality. Results. The paper shows that the reasons for the current state of recreational enterprises are the problem of seasonality. It establishes that these enterprises have a high level of capacity underutilization – about half of their production (54%), financial (53%), and more than a half of their entrepreneurial capacity (66%). To predict changes in the profits of enterprises, the paper identifies a number of measures for resource optimization. Conclusions. To improve the efficiency of recreational enterprises, it is necessary to find ways to optimize resources, in accordance with their business activity, or to increase the volume of activities during the off-season period. The obtained seasonality coefficients can be used in calculating the need for personnel, training, and determining the required minimum, which will be an object of investment in human capital (20%), as well as the minimum amount of all working capital.

Агрономическая эффективность промышленной (голландской) технологии возделывания картофеля

2018 ◽  
Author(s):  
C. Coy ◽  
A.V. Shuravilin ◽  
O.A. Zakharova
Keyword(s):  
Heavy Metals ◽  
Regression Analysis ◽  
Positive Response ◽  
Growth Yield ◽  
Correlation And Regression Analysis ◽  
Yield And Quality ◽  
Quality Of Products ◽  
High Degree ◽  
The Impact

Приведены результаты исследований по изучению влияния промышленной технологии возделывания картофеля на развитие, урожайность и качество продукции. Выявлена положительная реакция растений на подкормку K2SO4 в период посадки. Корреляционно-регрессионный анализ урожайности и качества клубней выявил высокую степень достоверности результатов опыта. Содержание нитратов и тяжелых металлов в клубнях было ниже допустимых величин.The results of studies on the impact of industrial technology of potato cultivation on growth, yield and quality of products. There was a positive response of plants to fertilizer K2SO4 in the period of planting. Correlation and regression analysis of yield and quality of tubers revealed a high degree of reliability of the results of experience. The contents of nitrates and heavy metals in tubers was below the permissible values.

scholarly journals The Impact of CEOs' Compensations on Cost Stickiness in Industrial Companies Listed on the Amman Stock Exchange

2021 ◽  
Vol 15 (1) ◽  
pp. 152
Author(s):  
Lina Fuad Hussien
Keyword(s):  
Stock Exchange ◽  
Industrial Companies ◽  
Level Of Activity ◽  
Cost Behavior ◽  
Study Population ◽  
The Difference ◽  
High Level ◽  
The Cost ◽  
The Impact ◽  
Cost Stickiness

The purpose of this study is to analyze the asymmetry in cost behavior (cost stickiness) and to identify the impact of CEOs' compensation on the degree of cost stickiness behavior. The study population consists of the public shareholding companies listed on the ASE, which number (56) industrial company. Data were collected from (35) industrial companies for the period (2009 - 2019). To measure the degree of costs stickiness, The Model of Weiss (2010) was used. The Model of Weiss (2010) takes into account the costs and changes in the level of activity (sales) for the last four quarters of the company, Weiss (2010) model constructs the difference in logarithmic ratios of changes in cost. The study found that the CEO's compensation in Jordanian industrial companies consists of two forms. The companies pay fixed salaries or performance-related bonuses. The study found that the form of compensation that is paid to the CEO affects the behavior of managers. The results indicated that the performance-related rewards are accompanied by a decrease in the level of cost stickiness, and the compensation paid in the form of fixed salaries are accompanied by a high level of cost stickiness. The study recommends that companies should understand the role of the compensation form in administrative decisions, especially with regard to resource modifications, as management motives in relation to resource modifications must be taken into account because of their clear and direct impact on the cost structure of companies.

scholarly journals MODELLING OF THE INTEGRATED INDICATOR OF THE GENERAL LEVEL OF ENVIRONMENTAL SAFETY OF THE ENTERPRISE

2017 ◽  
pp. 182-191 ◽  
Author(s):  
Tetyana Radevych ◽  
Yuliya Nochovna ◽  
Nataliya Samburs'ka
Keyword(s):  
Regression Analysis ◽  
Environmental Protection ◽  
Mathematic Model ◽  
Environmental Safety ◽  
General Level ◽  
Environmental Damage ◽  
Economic Factors ◽  
Integral Coefficient ◽  
Correlation And Regression Analysis ◽  
The Impact

Introduction. Effective stimulation of the activities of national enterprises in the direction of environmental protection, reduction of the negative impact of production on the environment, increase of innovation and investment attractiveness, environmental image and improvement of the ecological situation in Ukraine becomes possible on condition of the development and practical testing of the methodology for assessing the overall level of environmental safety of the enterprise. Purpose. The article aims to develop an integrated index of the overall level of environmental safety of the enterprise, to justify the possibility of using correlation and regression analysis to confirm the interrelationship between its components. Methodology. The fundamental aspects of the general economic theory, the economics of nature usage and environmental protection, statistics and econometrics have become the methodological basis of the article. The article uses correlation and regression analysis, comparative analysis, method of relative values, methods of economic and mathematic modelling etc. Results. In the article the formula for calculation the integral index of the general level of ecological safety of the enterprise is developed. It is based on three partial integral coefficients: the integral coefficient of environmental damage; integral coefficient of influence of economic factors; the integral factor of the impact of environmental and economic factors. The use of correlation and regression analysis has confirmed the adequacy of the developed economic and mathematic model, the reality of interconnections and interdependencies between its indicators.

CLUSTER REGRESSION ANALYSIS TO DETERMINE THE IMPACT OF GDP ON VOLUNTARY HEALTH INSURRANCE PREMIUS

2021 ◽  
Vol 1 (7) ◽  
pp. 16-22
Author(s):  
N.L. Bushueva ◽  
Keyword(s):  
Regression Analysis ◽  
Health Insurance ◽  
Financial Stability ◽  
Socioeconomic Development ◽  
Medical Insurance ◽  
Voluntary Health Insurance ◽  
Correlation And Regression Analysis ◽  
Key Indicators ◽  
The Impact ◽  
The Relationship

Increasingly, the policy of the Russian Federation is aimed at the development of healthcare, and spending on the healthcare industry is becoming a serious problem for the financial stability of national health systems, even in highincome countries. Voluntary medical insurance, as one of the forms of medical insurance, contributes to the formation of all insurance premiums, thereby this form can be one of the indirect factors of socioeconomic development of Russia. The paper hypothesizes the existence of a relationship between the level of development of the welfare of the country and the volume of the premium fund of voluntary health insurance. A study was conducted on the relationship between voluntary health insurance and GDP, as one of the key indicators of the country's development, through correlation and regression analysis.

scholarly journals Informasi Laba, Komponen Arus Kas, Keputusan Pendanaan dan Return Saham: Empirical Evidence at Indonesia Stock Exchange (Studi pada Sektor Perdagangan, Jasa dan Investasi)

2019 ◽  
Vol 22 (2) ◽  
Author(s):  
Kasmiati Kasmiati ◽  
Perdana Wahyu Santosa
Keyword(s):  
Regression Analysis ◽  
Cash Flow ◽  
Financial Management ◽  
Service Sector ◽  
Stock Exchange ◽  
Formal Sector ◽  
Financing Decisions ◽  
Net Profit ◽  
Operating Cash Flow ◽  
The Impact

Trading, Service and Investment sector shows important role on national economy and grow significantly during the last years which is create many job opportunities on formal sector and non-formal sector. This article purposes to analyze how the impact of net profit, operating cash flow, financing cash flow and investing cash flow  and, financing decisions to stock’s return to push a better future prospect with financial management. Regression analysis used Eviews 9 with data panel regression analysis with purposive sampling method on service sector at Indonesia Stock Exchange (IDX). Samples are 60 emiten during 2011-2016 period in quarterly data. The findngs of this research are partially,  net profit information, operating cash flow, financing csah flow and financing decision (proxy leverage) are positively significantle. However, investing cash flow shows negative affect to stock’s return significantly. As simultan together all variable shows significantly effect on return. The implication of this conclusion is managment should more attention on financial factors especiallly net profit, cash flow dan leverage to incresae stock return and value of the firms.

scholarly journals The analysis of activity of the construction organizations based on studying of profit indicators

2018 ◽  
Vol 15 (5) ◽  
pp. 40-50 ◽  
Author(s):  
A. V. Sharkova ◽  
T. I. Chinaeva ◽  
A. S. Klepackaya
Keyword(s):  
Regression Analysis ◽  
Well Being ◽  
Moscow Region ◽  
Joint Stock Company ◽  
Stock Company ◽  
Financial Activity ◽  
Correlation And Regression Analysis ◽  
Construction Organizations ◽  
Net Profit ◽  
Key Industry

The aim of research. Construction belongs to one of types of economic activity and key industry, thereby having significant effect on economy and growth of well-being of nation and its economic entities. However, the crisis conditions of the last few years could not but affect the construction activity. In this regard, the analysis of the existing situation in the sphere of construction and studying of the factors, influencing increase in efficiency of activity of the construction organizations is a relevant task. The goal of this article is to study and analyze construction area by studying individual organizations, which were chosen in database “SPARK”. One of the most important quality indicators, characterizing the organization’s activities is profit, which is the final financial result and allows replenishing the organization’s financial resources. The work has evaluated the effectiveness of the formation and use of profits of the analyzed organizations, identifying existing problems. The profit is a factor that determines productivity of organization, its liquidity, ability to pay, financial sustainability in the modern market. A part of research performs economics and statistics analysis of main economic indicators, characterizing the formation and use of profit in organizations of the construction industry, and financial activity analysis of the two largest construction organizations in part of profit formation and its use.Materials and methods. Informational background is statistical data and analytical information about financial activity of construction organizations. Methodological basis of the research is statistical methods of data analysis: comparative and dynamical analysis, variational analysis, correlation and regression analysis.Results. The role of construction area in economics of Russia was analyzed. Construction is the key industry that influences the formation of the national economy. Main indicators that describe efficiency of activity of construction organizations were considered; analysis of number of indicators about activity of construction area was implemented; a group of organizations was chosen by using database “SPARK”; interrelationship between earnings and net profit was studied, comparative analysis between Ltd “Stroyregistr” and Closed Joint Stock Company “SEDO” is implemented. The main types of profit such as gross profit, profit on sales, before-tax profit and net profit were considered. It is worth noting that these types of profit are interrelated, since one category arises from the other depending on the income and expense items inherent in one or another type of profit. Analysis of the state of construction organizations involves the study of factors affecting their activity. For this purpose correlation and regression analysis was used in the work. Conclusion. To study the process of forming and using profits as an object of research, Ltd “Stroyregistr”, which operates in Moscow region, was chosen. As the competitor, Closed Joint Stock Company “SEDO”, which is also carrying out activity in Moscow region, was considered. During the analysis of these organizations, it was revealed that the activity of Ltd “Stroyregistr” is more stable and successful compared to Closed Joint Stock Company “SEDO”, which showed a sharp decline in financial indicators in 2016. However, the value of profitability on net profit in Ltd “Stroyregistr” is lower than the industry average value, which is associated with a low value of the net profit.As a result, the reasons that influenced the low value of net profit were identified. One of the main reasons is the high cost of the rendered services.

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