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Economics: the strategy and practice

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Оценка неплатежеспособности малых и средних предприятий перед банками в Катаре

https://doi.org/10.51176/1997-9967-2023-1-256-271

Аннотация

Целью данной статьи является изучение и выявление факторов, влияющих на неисполнение малыми и средними предприятиями финансовых обязательств перед банками в Катаре, и разработка рекомендаций на основе полученных результатов для регуляторов. Поскольку, развитие малых и средних предприятий (МСП) имеет важное значение для поддержки экономического роста в стране. Несмотря на значительный вклад в экономику, малый и средний бизнес испытывает трудности в вопросах финансирования проектов, зачастую недостаточно необходимых средств для фондирования, и как следствие, возникает необходимость обращения в финансовые институты для привлечения ресурсов. Авторами были изучены данные Банка развития Катара. Был проведен системный литературный обзор и разработана анкета с закрытыми вопросами для выявления причин неплатежей по кредитам малых и средних предприятий. Авторы обратились к малым и средним предприятиям с проблемой невозврата кредита по телефону, поскольку это был единственно возможный способ сбора данных из-за социальной дистанции во время пандемии Covid-19. По базе данных Банка развития Катара было выявлено 142 малых и средних предприятий с просроченными кредитами, после обращения в данные предприятия для сбора данных, было получено 85 ответов. Для анализа была использована описательная статистика и полученные результаты показали, что малые и средние предприятия сталкиваются с рядом проблем при выполнении обязательств перед банками. Более того, высоко конкурентный рынок оказывает негативное влияние на исполнение обязательств и неплатежей малых и средних предприятий. На основе полученных результатов исследования, были разработаны меры и механизмы для решения проблемы неплатежеспособности малых и средних предприятий и дальнейшего развития малого и среднего бизнеса в стране. 

Об авторах

Н. Ширази
Университет Хамад Бин Халифа
Катар

PhD, профессор

Эдукейшн сити, 34110, Доха



М. Мурайхи
Университет Хамад Бин Халифа
Катар

PhD докторант

Эдукейшн сити, 34110, Доха



Л. А. Куанова
Казахский национальный университет имени аль-Фараби
Казахстан

PhD., старший преподаватель

 пр. аль-Фараби, Алматы



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Рецензия

Для цитирования:


Ширази Н., Мурайхи М., Куанова Л.А. Оценка неплатежеспособности малых и средних предприятий перед банками в Катаре. Economics: the strategy and practice. 2023;18(1):256-270. https://doi.org/10.51176/1997-9967-2023-1-256-271

For citation:


Shirazi N., Muraikhi M.A., Kuanova L.A. Assessment of Small and Medium Enterprises Insolvency to Banks in Qatar. Economics: the strategy and practice. 2023;18(1):256-270. https://doi.org/10.51176/1997-9967-2023-1-256-271

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ISSN 1997-9967 (Print)
ISSN 2663-550X (Online)