20.500.12556/RUL-161881 Finančna analiza mikropodjetja skozi oči kreditodajalca mikroposojila SID banke delo diplomskega seminarja Financial analysis from creditor's view on SID bank's microloan Tema diplomske naloge je priprava kreditne analize podjetja, ki zaproša za financiranje. Za potrebe analitičnega dela so najprej opredeljene glavne komponente kreditov ter primernost posameznih izbir glede na namen in želje kreditojemalca. Nato je predstavljeno ocenjevanje kreditne sposobnosti podjetji, s poudarkom na mikro in malih podjetjih, kjer sta v Sloveniji najpogostejši pravnoorganizacijski obliki samostojni podjetnik in družba z omejeno odgovornostjo. Cilj diplomske naloge je ugotoviti na podlagi katerih finančnih kazalcev banke in hranilnice ocenjujejo kreditno sposobnost ter na kakšen način mikro in majhna podjetja, ki nimajo v lasti nepremičnin primernih za zavarovanje, pridobijo financiranje. Kot primer ugodnih kreditov za mikro in mala podjetja je predstavljen produkt SID banke, ki pokriva zavarovanje in zagotavlja ugodno obrestno mero. S pomočjo ugotovljenih teorij o kreditni sposobnosti je v nadaljevanju predstavljena kreditna analiza za izbrano podjetje in podano mnenje o kreditni sposobnosti podjetja za predlagano obliko financiranja. The subject of the thesis is the credit analysis preparation of a company applying for financing. For the purposes of the analytical part of the thesis, we firstly defined the main components of loans and the appropriateness of individual choices according to the purpose and desires of the lender. Then we focused on assessing the creditworthiness of companies, with an emphasis on micro and small companies, where the most common legal organizational forms in Slovenia are sole proprietorships and limited liability companies. Based on this, the thesis aims to find out which financial indicators banks and savings banks use to evaluate creditworthiness and in what way micro and small companies that do not own real estate suitable for insurance obtain financing. As an example of favourable loans for micro and small businesses, we examined the product of SID bank, which covers insurance and provides a favourable interest rate. With the help of established theories about creditworthiness, we prepared a credit analysis for the selected company and gave an opinion on the company's creditworthiness for the proposed financing. Kredit kreditodajalec kreditojemalec kreditno tveganje finančna analiza kreditna sposobnost bonitetna ocena mikroposojila SID banke Loan borrower creditor credit risk financial analysis creditworthiness credit rating SID bank's microloan true false false Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2024-09-15 08:16:10 2024-09-15 08:16:14 2024-09-20 09:05:18 0000-00-00 00:00:00 2024 0 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 519.8 143379 208278019 14175.pdf 14175.pdf 1 706A7EEE4E090220550316BE3E22FB7F 1fe47800906837d0cafbaed84da0db08a170a4d7170832f217ba5a9ff9d2871e ed4c415b-7329-11ef-b232-0050569b8976 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=190870 Fakulteta za matematiko in fiziko 0 0 0