IDEAS home Printed from https://ideas.repec.org/a/gam/jjrfmx/v16y2023i5p255-d1131371.html
   My bibliography  Save this article

Analysis of Trends in Mortgage Lending in the Agricultural Sector of Ukraine

Author

Listed:
  • 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
    SCIRE Foundation, 00867 Warsaw, Poland)

  • 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)

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.

Suggested Citation

  • Iryna Perevozova & Oksana Malynka & Vitalii Nitsenko & Halyna Kryshtal & Viktoriia Kostiuk & Vitaliia Mishchenko, 2023. "Analysis of Trends in Mortgage Lending in the Agricultural Sector of Ukraine," JRFM, MDPI, vol. 16(5), pages 1-17, April.
    • Handle: RePEc:gam:jjrfmx:v:16:y:2023:i:5:p:255-:d:1131371
    as

    Download full text from publisher

    File URL: https://www.mdpi.com/1911-8074/16/5/255/pdf
    Download Restriction: no
    File URL: https://www.mdpi.com/1911-8074/16/5/255/
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Hedman Jansson, Kristina & Huisman, Chelsey Jo & Lagerkvist, Carl Johan & Rabinowicz, Ewa, 2013. "Agricultural Credit Market Institutions: A Comparison of Selected European Countries," Working papers 144003, Factor Markets, Centre for European Policy Studies.
    2. Pietro Alessandrini & Luca Papi & Alberto Zazzaro, 2003. "Banks, regions and development," BNL Quarterly Review, Banca Nazionale del Lavoro, vol. 56(224), pages 23-55.
    3. Nadiia Bakhur, 2020. "The influence of the institutional environment on development of investment activity in the agricultural sector of the economy," University Economic Bulletin, Hryhorii Skovoroda University in Pereiaslav, Faculty of Financial, Economic and Vocational Education, issue 46, pages 7-20, September.
    4. David Nickerson, 2022. "Credit Risk, Regulatory Costs and Lending Discrimination in Efficient Residential Mortgage Markets," JRFM, MDPI, vol. 15(5), pages 1-17, April.
    5. Hassanudin Mohd Thas Thaker & Ahmad Khaliq & K Chandra Sakaran & Mohamed Asmy Mohd Thas Thaker, 2020. "A discourse on the potential of crowdfunding and Islamic finance in the agricultural sector of East Java, Indonesia," Jurnal Ekonomi & Keuangan Islam, Faculty of Economics, Universitas Islam Indonesia, vol. 6(1), pages 10-23.
    6. Galina Studinska & Viacheslav Prosov, 2020. "Assessment of the level of Ukrainian mortgage market development," University Economic Bulletin, Hryhorii Skovoroda University in Pereiaslav, Faculty of Financial, Economic and Vocational Education, issue 46, pages 160-169, September.
    7. Kucher, Lesia & Kucher, Anatolii & Morozova, Hanna & Pashchenko, Yulia, 2022. "Development of circular agricultural economy: potential sources of financing innovative projects," Agricultural and Resource Economics: International Scientific E-Journal, Agricultural and Resource Economics: International Scientific E-Journal, vol. 8(2), June.
    8. Wigier, Marek & Wieliczko, Barbara & Fogarasi, Jozsef, 2014. "Impact Of Investment Support On Hungarian And Polish Agriculture," 142nd Seminar, May 29-30, 2014, Budapest, Hungary 172973, European Association of Agricultural Economists.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Michele Fratianni, 2017. "It is time to separate money banks from credit banks in Italy," Mo.Fi.R. Working Papers 138, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    2. Geoffroy Enjolras & Philippe Madiès, 2019. "The determinants of loan acceptance: a case study of French farms," Economics Bulletin, AccessEcon, vol. 39(1), pages 358-371.
    3. Pietro Alessandrini & Andrea Filippo Presbitero & Alberto Zazzaro, 2008. "Global Banking and Local Markets," Mo.Fi.R. Working Papers 4, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    4. Pietro ALESSANDRINI & Giorgio CALCAGNINI & Alberto ZAZZARO, 2006. "Asset Restructuring Strategies in Bank Acquisitions: Evidence from the Italian Banking Industry," Working Papers 264, Universita' Politecnica delle Marche (I), Dipartimento di Scienze Economiche e Sociali.
    5. Kucher, Lesia & Hełdak, Maria & Orochovska, Lyudmila, 2023. "Assessment of the readiness of agrarian enterprises to implement innovative projects," Agricultural and Resource Economics: International Scientific E-Journal, Agricultural and Resource Economics: International Scientific E-Journal, vol. 9(1), March.
    6. Pietro Alessandrini & Manuela Croci & Alberto Zazzaro, 2009. "The Geography of Banking Power: The Role of Functional Distance," Springer Books, in: Damiano Bruno Silipo (ed.), The Banks and the Italian Economy, chapter 0, pages 93-123, Springer.
    7. Pietro Alessandrini & Michele Fratianni & Luca Papi & Alberto Zazzaro, 2016. "Banks, regions and development after the crisis and under the new regulatory system," Mo.Fi.R. Working Papers 124, Money and Finance Research group (Mo.Fi.R.) - Univ. Politecnica Marche - Dept. Economic and Social Sciences.
    8. Serhii Halko & Oleksandr Vershkov & Jakub Horák & Oleksandr Lezhenkin & Larysa Boltianska & Anatolii Kucher & Olena Suprun & Oleksandr Miroshnyk & Vitalii Nitsenko, 2023. "Efficiency of Combed Straw Harvesting Technology Involving Straw Decomposition in the Soil," Agriculture, MDPI, vol. 13(3), pages 1-15, March.
    9. Flögel, Franz & Gärtner, Stefan, 2018. "The banking systems of Germany, the UK and Spain form a spatial perspective: The German case," IAT Discussion Papers 18/04, Institut Arbeit und Technik (IAT), Westfälische Hochschule, University of Applied Sciences.
    10. E. C. Mamatzakis & C. Staikouras, 2020. "Testing for the effects of credit crunch on agriculture investment in the EU," Bulletin of Economic Research, Wiley Blackwell, vol. 72(4), pages 434-450, October.
    11. Hedman Jansson, Kristina & Lagerqvist, Carl Johan, 2013. "Performance Indicators in Agricultural Financial Markets," Factor Markets Working Papers 155, Centre for European Policy Studies.
    12. Pietro ALESSANDRINI & Andrea PRESBITERO & Alberto ZAZZARO, 2006. "Banks, Distances and Financing Constraints for Firms," Working Papers 266, Universita' Politecnica delle Marche (I), Dipartimento di Scienze Economiche e Sociali.
    13. Flögel, Franz & Gärtner, Stefan, 2018. "Bankensysteme aus raumwirtschaftlicher Perspektive," Working Paper Forschungsförderung 099, Hans-Böckler-Stiftung, Düsseldorf.
    14. Jansson, Kristina Hedman & Lagerkvist, Carl Johan, 2013. "Performance Indicators in Agricultural Financial Markets," Working papers 155701, Factor Markets, Centre for European Policy Studies.
    15. Alessandrini, Pietro & Calcagnini, Giorgio & Zazzaro, Alberto, 2008. "Asset restructuring strategies in bank acquisitions: Does distance between dealing partners matter?," Journal of Banking & Finance, Elsevier, vol. 32(5), pages 699-713, May.
    16. Drebot, Oksana & Palianychko, Nina & Vysochanska, Mariya & Sakharnatska, Liudmyla & Gadzalo, Andriy, 2023. "Influence of energy efficiency of forestry enterprises on forestry land use indicators," Agricultural and Resource Economics: International Scientific E-Journal, Agricultural and Resource Economics: International Scientific E-Journal, vol. 9(2), June.
    17. Gärtner, Stefan & Fernández, Jorge, 2018. "The banking systems of Germany, the UK and Spain form a spatial perspective: The Spanish case," IAT Discussion Papers 18/02, Institut Arbeit und Technik (IAT), Westfälische Hochschule, University of Applied Sciences.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:gam:jjrfmx:v:16:y:2023:i:5:p:255-:d:1131371. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: MDPI Indexing Manager (email available below). General contact details of provider: https://www.mdpi.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.