ОСОБЛИВОСТІ РЕАЛІЗАЦІЇ ПРОГРАМИ “ДОСТУПНІ КРЕДИТИ 5-7-9”: РЕГІОНАЛЬНИЙ АСПЕКТ

Abstract

The role of state support for lending to small and medium-sized businesses in Ukraine is substantiated. The advantages of the state program “Affordable Loans 5-7-9”; for borrowers and banks are presented. The main requirements that banks impose on borrowers are presented. The main changes in the program caused by the coronavirus pandemic and the full-scale war in Ukraine are described. It is proved that the latest changes in the program are aimed mainly at supporting agricultural producers in order to ensure the sowing campaign, as well as to support and intensify entrepreneurial activity during martial law in Ukraine. The list of regions of Ukraine in which the largest number of registered small and medium enterprises is concentrated is given. A correlation between the number of small and medium-sized enterprises in the regions and the amount of loans received under the program “Affordable Loans 5-7-9” was made. The dynamics of the loan portfolio in Kyiv, Dnipropetrovsk, Kharkiv, Odessa, Lviv, Zaporizhia, Vinnytsia regions and Kyiv during June 2021 - May 2022 are presented. The impact of the war in Ukraine on the volume of loans received by region is determined. It is proved that the volume of received loans tends to increase in all analyzed regions, and as a result of hostilities in Kharkiv and Kyiv regions, these regions lowered their rating positions in May 2022 compared to April in terms of loans received among other regions of Ukraine. The analysis of the structure of the loan portfolio by areas of use of funds in the regions of Ukraine was made. The role of local authorities (Lviv region, Kyiv) in stimulating, supporting local businessmen, involvement in the state lending program is proved. The Pilot Project of lending to investment projects at 0% in Lviv region was characterized by combining two programs - the regional program of Competitiveness of Lviv region and the state program “Affordable Loans 5-7-9” for the investment component. The benefits of the Pilot Project for local authorities, participating banks and borrowers are presented. The most active participants of the program in each region were identified, including representatives of agriculture, trade and industry.