Suchergebnisse

Безготівкові розрахунки - платежі, які здійснюються шляхом перерахування з рахунку платника на рахунок кредитора у банках без використання грошових купюр. Формування фінансової екосистеми безготівкових платежів в аграрному секторі України полягає в застосуванні проекту «Cashless economy». Безготівкова економіка – це планомірна відмова від використання готівкових коштів на користь безготівкових розрахунків. В Україні сервіси для безготівкової оплати недостатньо розвинені через надмірну регульованість галузі банківської діяльності, страхів населення, високого рівня тіньової економіки і незацікавленості іноземних компаній в українському ринку. В умовах сьогодення в Україні є проблеми щодо дефіциту терміналів в торгових точках, а в містах зосередження аграрного сектора переважно не існує технологій для здійснення безготівкових розрахунків.У роботі було розглянуто теоретичні основи безготівкових розрахунків, запропоновано використання стратегії «Cashless economy», метою якої є скорочення обсягу готівки в економіці України та побудовано бізнес-модель формування фінансової екосистеми безготівкових розрахунків в аграрному секторі на основі застосування електронних грошей фермерськими господарствами. ; Cashless payments are payments made by transferring from the payer's account to the creditor's account in banks without the use of banknotes. The formation of the financial ecosystem of cashless payments in the agrarian sector of Ukraine is the application of the "Cashless economy" project. Cashless economy is systematic refusal of cash in favor of cashless settlements.Cashless payment services are not sufficiently in Ukraine developed because of the over regulation of the industry, the fears of the population, the level of the shadow economy and the lack of interest of foreign companies in the Ukrainian market. There are problems with the shortage of terminals at retail outlets, and in the cities of concentration of the agrarian sector of Ukraine, there is generally no technology for making cashless payments nowadays in Ukraine.In order for Ukraine to abandon the mass distribution of cash, to interest entrepreneurs and the population, we need deeper changes in the areas of legislation, security and financial literacy of Ukrainians. Changing consumer habits and motivation for payment in non-cash form has a major impact on project results. The impact on consumer habits is through education and motivation.The development of cashless economy is beneficial for all participants in monetary relations. Commercial banks can make their own contribution to the financial well-being of the state by developing and implementing new banking products and services that will contribute to the development of cashless payment infrastructure in line with the "Cashless economy" strategy.The paper examines the theoretical foundations of the cashless economy, explores the strategy of "Cashless economy", which aims to reduce the amount of cash in the economy of Ukraine, created a business model for the formation of the financial ecosystem of cashless payments in the agrarian sector on the basis of the use of electronic money by the farms.

With the accelerated globalization processes, the strength of connection between agricultural production and rural territories is growing; the ratio is changing in the structure of institutions of influence towards financial provision of balanced economic, social and environmental development of this complex systemic formation. Despite the growing interest in research papers to the issues of financing agriculture, an analysis of institutional foundations for the provision of financing the sustainable development, which take into account the multifaceted nature of institutional mechanisms of its implementation in the agricultural sector, is limited. The aim of present work is to substantiate theoretical-methodological and applied principles of institutional provision of financing the sustainable development of agrarian sector in Ukraine. We defined key approaches to the formation of institutional provision of financing the sustainable development of agrarian sector. We believe that the institutional provision of financing the sustainable development of agrarian sector is a set of socio-economic, organizational and legislative measures of state authorities and entities (collectively, public and private institutions) in the field of financial relations that form necessary legal, organizational and economic conditions for effective engagement, accumulation and application of financial resources in order to achieve a planned dynamic social-ecological-economic effect. The components of institutional provision of financing the sustainable development of agrarian sector are presented. We analyzed the status of agricultural sector in Ukraine over 2000-2013 and evaluated the tightness of relationship between the volumes of investments and the level of development of national economy (GDP) and agricultural sector (agriculture DP). It was revealed that the growth of investment in fixed capital by UAH 1 million contributed to the GDP growth of national economy in Ukraine by UAH 60.9 million. At the same time, an increase in ...

The historical stages of the formation of credit cooperatives were explored. Authors studied the international experience of agricultural credit cooperatives, which allowed making certain generalizations and proposing ways to stimulate their activity inUkraine, where the credit cooperatives are only beginning to recover. Confirmed that one of the most serious problems in the activities of credit unions is attraction and maintenance of the required level of capital in order to ensure its consistent growth. The analysis of exogenous and endogenous factors, which are influencing on the establishment of credit unions inUkraine, was conducted.Author proved the necessity of improvement of the regulatory framework, expansion of market share, increase of the credit union's capital. Not clearly defined status of credit unions leads to many economic and legal issues of cooperative societies and creates problems in their work. Thus, in the current legislation, the notion "cooperative societies" does not exist, and in the Law of Ukraine "About credit unions" they (credit unions) are defined as "financial institutions", while in the tax law "credit unions" are attributed to the non-profit organizations. ; Приведены исторические этапы возникновения кредитной кооперации. Изучен опыт работы сельских кредитных кооперативов в разных государствах мира, что позволило сделать определенные обобщения. Самые лучшие достижения в этом направлении могут быть использованы в Украине, где кредитная кооперация только начинает возрождаться. Подтверждено, что одной из наиболее серьезных проблем в деятельности кредитных союзов является привлечение и поддержание необходимого уровня капитала, обеспечение его последовательного увеличения. Проведен анализ факторов создания кредитных союзов в Украине. ; Наведено історичні етапи виникнення кредитної кооперації. Вивчено досвід роботи сільських кредитних кооперативів у різних державах світу, що дозволило зробити певні узагальнення. Найкращі досягнення в цьому напрямі можуть бути впроваджені в Україні, де кредитна кооперація тільки починає відроджуватися. Підтверджено, що однією з найбільш серйозних проблем в діяльності кредитної спілки, є залучення та підтримка достатнього обсягу капіталу, забезпечення його послідовного збільшення. Проаналізовано фактори створення кредитних спілок в Україні.

With the accelerated globalization processes, the strength of connection between agricultural production and rural territories is growing; the ratio is changing in the structure of institutions of influence towards financial provision of balanced economic, social and environmental development of this complex systemic formation. Despite the growing interest in research papers to the issues of financing agriculture, an analysis of institutional foundations for the provision of financing the sustainable development, which take into account the multifaceted nature of institutional mechanisms of its implementation in the agricultural sector, is limited. The aim of present work is to substantiate theoretical-methodological and applied principles of institutional provision of financing the sustainable development of agrarian sector in Ukraine. We defined key approaches to the formation of institutional provision of financing the sustainable development of agrarian sector. We believe that the institutional provision of financing the sustainable development of agrarian sector is a set of socio-economic, organizational and legislative measures of state authorities and entities (collectively, public and private institutions) in the field of financial relations that form necessary legal, organizational and economic conditions for effective engagement, accumulation and application of financial resources in order to achieve a planned dynamic social-ecological-economic effect. The components of institutional provision of financing the sustainable development of agrarian sector are presented. We analyzed the status of agricultural sector in Ukraine over 2000-2013 and evaluated the tightness of relationship between the volumes of investments and the level of development of national economy (GDP) and agricultural sector (agriculture DP). It was revealed that the growth of investment in fixed capital by UAH 1 million contributed to the GDP growth of national economy in Ukraine by UAH 60.9 million. At the same time, an increase in ...

With the accelerated globalization processes, the strength of connection between agricultural production and rural territories is growing; the ratio is changing in the structure of institutions of influence towards financial provision of balanced economic, social and environmental development of this complex systemic formation. Despite the growing interest in research papers to the issues of financing agriculture, an analysis of institutional foundations for the provision of financing the sustainable development, which take into account the multifaceted nature of institutional mechanisms of its implementation in the agricultural sector, is limited. The aim of present work is to substantiate theoretical-methodological and applied principles of institutional provision of financing the sustainable development of agrarian sector in Ukraine. We defined key approaches to the formation of institutional provision of financing the sustainable development of agrarian sector. We believe that the institutional provision of financing the sustainable development of agrarian sector is a set of socio-economic, organizational and legislative measures of state authorities and entities (collectively, public and private institutions) in the field of financial relations that form necessary legal, organizational and economic conditions for effective engagement, accumulation and application of financial resources in order to achieve a planned dynamic social-ecological-economic effect. The components of institutional provision of financing the sustainable development of agrarian sector are presented. We analyzed the status of agricultural sector in Ukraine over 2000-2013 and evaluated the tightness of relationship between the volumes of investments and the level of development of national economy (GDP) and agricultural sector (agriculture DP). It was revealed that the growth of investment in fixed capital by UAH 1 million contributed to the GDP growth of national economy in Ukraine by UAH 60.9 million. At the same time, an increase in investments in the main capital of agriculture by UAH 1 million predetermined the increase in the gross production of agriculture by UAH 7.9 million. The sources of financing agricultural sector that are closely related to the development of agricultural sector (correlation coefficient is equal to 0.94) include foreign direct investments, but they do not exert significant impact on the growth of gross agricultural product (growth by USD 1 million stimulated increase by UAH 0.14 million). In the agricultural sector, investment activities of both domestic and foreign investors remain secondary; the amount of invested resources does not meet required volumes. We proposed to create an innovative-oriented cluster of agricultural sector, to improve credit mechanism and the mechanism of state regulation in the context of sustainable development. The value of present research consists in determining the tightness of connection between the amounts of investment provision and the level of development of national economy (GDP) and agricultural sector (agriculture DP). Practical use of recommendations, proposed in present work, on updating the draft Concept of the "State program for sustainable rural development in Ukraine through 2025" will make it possible to optimize financial mechanism of state support for sustainable development of agrarian sector in Ukraine. A promising direction of research is the study and assessment of the possibility to apply foreign experience in the optimization of components of institutional provision for financing the sustainable development of agrarian sector in Ukraine.