{"title":"财务风险分析 - 阿尔巴尼亚斯库台市 Guri I Zi 案例研究","authors":"Denisa Kurtaj, Teuta Çerpja, Arif Murrja","doi":"10.37394/232015.2024.20.8","DOIUrl":null,"url":null,"abstract":"Vegetable farmers operating in Guri I Zi, located in the Shkodra district, meet 42% of the vegetable market demand in the region. To identify the most important financing risks faced by these farmers when searching for financial resources, a study was conducted to analyze the financing risks related to their activity. The study used descriptive analysis and multiple regression analysis techniques to determine the main factors influencing the financing risks of these farmers. The study found that farmers perceived low profits, excessive debt, and high-interest rates as critical financing risks. However, the multifactorial analysis revealed that low earnings were statistically insignificant, while excessive debt and high interest rates were statistically significant. Regression analysis showed a strong correlation between financial risk, excessive debt, and high interest rates at 86%. The main objective of the study was to make farmers aware of the importance of financial risks.","PeriodicalId":510669,"journal":{"name":"WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT","volume":"19 9","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Financial Risk Analysis - Case study Guri I Zi in the Municipality of Shkodër in Albania\",\"authors\":\"Denisa Kurtaj, Teuta Çerpja, Arif Murrja\",\"doi\":\"10.37394/232015.2024.20.8\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Vegetable farmers operating in Guri I Zi, located in the Shkodra district, meet 42% of the vegetable market demand in the region. To identify the most important financing risks faced by these farmers when searching for financial resources, a study was conducted to analyze the financing risks related to their activity. The study used descriptive analysis and multiple regression analysis techniques to determine the main factors influencing the financing risks of these farmers. The study found that farmers perceived low profits, excessive debt, and high-interest rates as critical financing risks. However, the multifactorial analysis revealed that low earnings were statistically insignificant, while excessive debt and high interest rates were statistically significant. Regression analysis showed a strong correlation between financial risk, excessive debt, and high interest rates at 86%. The main objective of the study was to make farmers aware of the importance of financial risks.\",\"PeriodicalId\":510669,\"journal\":{\"name\":\"WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT\",\"volume\":\"19 9\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2024-03-15\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.37394/232015.2024.20.8\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"WSEAS TRANSACTIONS ON ENVIRONMENT AND DEVELOPMENT","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.37394/232015.2024.20.8","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
摘要
位于斯库台地区 Guri I Zi 的菜农满足了该地区 42% 的蔬菜市场需求。为了确定这些菜农在寻找财政资源时面临的最重要的融资风险,我们开展了一项研究,分析与他们的活动有关的融资风险。研究采用了描述性分析和多元回归分析技术,以确定影响这些农民融资风险的主要因素。研究发现,农民认为利润低、债务过高和高利率是关键的融资风险。然而,多因素分析表明,低收益在统计上不显著,而过度负债和高利率在统计上显著。回归分析表明,财务风险、过度负债和高利率之间的相关性高达 86%。这项研究的主要目的是让农民意识到金融风险的重要性。
Financial Risk Analysis - Case study Guri I Zi in the Municipality of Shkodër in Albania
Vegetable farmers operating in Guri I Zi, located in the Shkodra district, meet 42% of the vegetable market demand in the region. To identify the most important financing risks faced by these farmers when searching for financial resources, a study was conducted to analyze the financing risks related to their activity. The study used descriptive analysis and multiple regression analysis techniques to determine the main factors influencing the financing risks of these farmers. The study found that farmers perceived low profits, excessive debt, and high-interest rates as critical financing risks. However, the multifactorial analysis revealed that low earnings were statistically insignificant, while excessive debt and high interest rates were statistically significant. Regression analysis showed a strong correlation between financial risk, excessive debt, and high interest rates at 86%. The main objective of the study was to make farmers aware of the importance of financial risks.