Preferential Lending Research Articles

The state of the property insurance market of Ukraine in the conditions of war

Introduction. The paper highlights the theoretical and methodological foundations of the functioning of the property insurance market in Ukraine. It was determined that property insurance is of crucial importance for raising the standard of living of the population and creating a strong system of protection of state finances, ensuring the stability of the country's economy. The purpose of the paper is to determine the essence of insured property and research the state of the property insurance market of Ukraine during the period of martial law. Results. The current trends in the development of property insurance in Ukraine are considered. The paper examines and analyzes the current state of the property insurance market of Ukraine and the main indicators of insurance activity for 2021-2023. It was determined that property insurance is the largest branch of the insurance market of Ukraine, and despite all the problems related to the war, the Ukrainian insurance market continued active recovery in 2023. The main problems of the property insurance market, which restrain its development, are identified, directions for its improvement and further development are proposed. In order to develop the insurance property of Ukraine after the war, it was proposed to soften the regulatory requirements for calculating contributions, reduce the tax burden on insurance activity, strengthen the control of insurance payments, and ensure the possibility of preferential lending. Conclusions. Analysis of the development of property insurance in Ukraine in recent years allows us to come to the disappointing conclusion that the war significantly affected the development of property insurance, there was a significant decrease in insurance premiums and insurance payments in 2020. But in 2023, the property insurance market of Ukraine began to grow, which indicates its readiness for adaptation and recovery in the post-war years.

DEVELOPMENT OF SOCIAL ENTREPRENEURSHIP IN UKRAINE

The article examines the theoretical, methodological and practical aspects of the development of social entrepreneurship in Ukraine in modern conditions. The main factors affecting the slow development of this sector have been identified and analyzed, including: lack of legislative regulation of the activities of social enterprises, insufficient awareness of the population about their activities, a small number of social enterprises and socio-economic instability of the national economy. Key external and internal factors contributing to the development of social entrepreneurship at the regional level were discussed, and recommendations aimed at improving the situation were substantiated, including the need to develop a national strategy for the development of social entrepreneurship. The authors justified the importance of applying a comprehensive approach to the development of social entrepreneurship and support at all levels to ensure the rapid development of social enterprises, which will contribute to solving social problems and improving the welfare of society. It was found that the development of social entrepreneurship in the regions of Ukraine is determined by a combination of external and internal factors, including informing the population, simplifying taxation, grant support, preferential lending, support from the authorities, staff training, production development and the search for new customers. It was determined that in order to ensure the effective development of social entrepreneurship in Ukraine, it is necessary to develop a national strategy that would ensure the coordination of efforts of all interested parties, as well as support regional initiatives, such as the creation of resource centers and the development of regional strategies. The role of social enterprises in the employment of vulnerable segments of the population, employment of youth, solving gender problems, and generating funds to finance the solution of social problems within the scope of their activities has been studied.

Развитие туристско-рекреационных кластеров на основе программно-целевых методов управления

In the article, the author examines those tools for the development of tourist clusters that can be used by public authorities at the federal and regional levels as part of their formation of program documents aimed at supporting the industry and the processes of cluster formation in it. The author proposes to consider an algorithm for using a program-oriented approach during the formation and development of tourist clusters, taking into account the expediency of prioritizing the tasks of developing the tourism industry in some regions of the Russian Federation. The author also identifies a problem in the system used to assess the implementation of the goals set for industry departments, which consists in the fact that there is a certain discrepancy between the developed system of target indicators and those tasks that are defined to achieve the main goal of the development of domestic tourism. At the same time, correct assessment procedures and a well-built system of indicative indicators to assess the level of implementation of cluster initiatives will allow to intensify investment activities in the tourism cluster through subsidizing mechanisms from the federal budget, expanding preferential lending programs provided by financial organizations, public–private partnerships, and at the stages of development of the tourism cluster - to ensure its self-financing.

Demographic problems of the Far North regions

The article presents a general analysis of the economic and demographic situation in the regions of the Far North and equivalent territories based on official statistical information from Rosstat. The main research method was economic, including statistical analysis, as well as interpretation of the data obtained. The article presents the work of modern Russian researchers on the problem under study. The results of the study showed a steady dynamics of population decline in these areas of the country. The data demonstrate a decrease in the population of almost all territories belonging to the Far North in the period from 2001 to 2023. It is shown that the only exceptions are the Khanty-Mansi Autonomous Okrug and the Yamalo-Nenets Autonomous Okrug, where the dynamics are positive. The article also provides examples of recent government decisions on the approval of new programs for the socio-economic development of individual constituent entities of the Russian Federation, individual programs, preferential lending to business entities during the construction of socially significant facilities that can improve the living conditions of the population of these territories.

Effectiveness assessment of technical innovations in the implementation of the modern model of the agricultural sector of Ukraine

The agricultural sector of Ukraine requires fundamental changes to improve efficiency, rural development and sustainability, which is possible through the implementation of an innovative development model. The study aimed to assess the effectiveness of the introduction of one of the types of technical innovations - agricultural drones - in the agricultural production of Ukraine. The study uses the dialectical method of scientific cognition, analysis and synthesis, systematic generalisation, comparative analysis, rating method, and the mathematical method of calculation "solution optimisation" using Excel. The study analyses modern approaches to assessing the efficiency of individual processes, which helped to formulate its algorithm for calculating the efficiency of land cultivation using agricultural drones. At the first stage of the study, the technical advantages of agricultural drones were identified, which are manifested in increased labour productivity. The second stage of the study calculated the increase in the main crops (corn, wheat, sunflower, barley, soybeans, rapeseed, peas, buckwheat, and millet) that can be obtained as a result of the use of agricultural drones on a national scale. The third stage of the study yielded an indicator of the economic efficiency of introducing agricultural drones into agricultural production, as well as a forecast of the social and environmental effects. It is emphasised that state support for the Ukrainian production of agricultural drones in various forms (subsidies, preferential lending, leasing, etc.) will contribute to the development of innovative Ukrainian industry, which will positively affect the change in the sectoral structure of the national economy and significantly increase the country's gross domestic product. The following conclusions, suggestions and practical recommendations may be useful in developing relevant programmes and measures aimed at developing the agricultural sector of Ukraine.

LONG-TERM LENDING FOR PUBLIC-PRIVATE PARTNERSHIP PROJECTS: OPPORTUNITIES AND PROSPECTS

The article is devoted to the topical issues of long-term lending to public-private partnership projects in the context of a permanent shortage of budget funds and the financial instability of business entities. The purpose of the study is to highlight the problems of attracting long-term credit resources by partners in the process of implementing joint projects and to outline areas for their solution. To achieve this goal, general scientific research methods and analytical data from the State Statistics Service of Ukraine and the National Bank of Ukraine were used.The article reveals the main problems in the development of the debt financial instruments market, which make partnership projects between the state and business unattractive for investors. It is argued that the possibility of providing long-term loans depends not only on the actions of the bank, but also on the monetary policy of the NBU, which should ensure the introduction of preferential reserve requirements for banks, the provision of irrevocable deposits, the NBU's approval to refinance banks for the implementation of PPP projects, and the introduction of preferential lending by banks to PPP projects. The authors emphasize the priority importance of the state policy on the development of programs for the availability of long-term loans in the process of implementing partnership projects. Given the underdevelopment of financial instruments for public-private partnerships, the author substantiates the need to use innovative instruments – credit derivatives, the effectiveness of which is confirmed by international experience. The article offers a list of the most effective financial instruments that should be used at each stage of the project life cycle.It is concluded that the recommendations provided will ensure that the partners attract the necessary amount of financial resources in the process of long-term project implementation and will allow them to obtain a synergistic effect from such cooperation.

Інституційне середовище банківської підтримки розвитку малого підприємництва в україні

The article is devoted to the study of the evolution of the formation of the institutional environment for the functioning of small businesses in Ukraine and the development of proposals for its improvement to stimulate bank support in the field of small business. The regulatory and legal basis for developing small entrepreneurship has been staged. A portrait profile of a small business entity in Ukraine has been created. A scheme of interaction of state institutions supporting small entrepreneurship by supplementing its infrastructural block with new institutional units has been developed. Within the framework of the existing infrastructure, it is proposed to create a Bureau of credit histories of small business entities and a Unified platform for financing small business development. The priority directions for optimizing regulatory and legal support for small businesses are substantiated. The following are defined as control points for the regulation of small entrepreneurship: approximation of business management and regulation standards to EU standards; development of financial instruments alternative to lending; digitization of financial services, etc. It is essential to direct regulatory efforts in regulating alternative banks’ activities to support financial market intermediaries (fintechs, microfinance organizations, leasing and factoring companies) and diversify funding sources (factoring, crowdfunding). Stimulating the development of microcredit in Ukraine requires a comprehensive approach, the components of which can be simplifying the mechanism of obtaining microcredit, creating conditions for the development of non-bank financial institutions, improving the legislative provision of bank microcredit, state incentives for banks to expand micro- and other types of lending; creation of cooperative banks specialized in lending to small businesses; state support for microcredit information programs; reduction of the tax burden and improvement of investment and credit support mechanisms for small businesses; expansion of the list of state preferential lending programs for small enterprises; gradual increase in the volume of microcredit to support start-ups; expanding the use of digital financial technologies. Keywords: small business, institutional environment, banking support, regulatory and legal support.

Реформация банковского сектора в интересах обеспечения защиты социально незащищенных слоев населения

Today, in the context of unprecedented aggressive sanctions pressure, the need to change the existing paradigm of providing banking services to the socially unprotected population is more urgent than ever before. Taking into account the unstable military-political situation, various measures should be developed to support socially vulnerable citizens for whom the availability of existing benefits is insufficient to meet basic needs. The banking sector in the vast majority of cases pursues private interests — obtaining maximum benefits from the provision of banking services while minimizing possible risks. In this regard, the use of a socially oriented approach is often not actively used in the banking sector. For example, many preferential lending programs for low-income citizens carry a high degree of risk, so banks have little interest in issuing loans and providing any benefits. That is why the state, as the main regulator of economic processes, must find parity between the interests of banks and ensuring the financial well-being of these categories of citizens. In a crisis, such a policy is of decisive importance for the whole society and the development of all sectors of the economy in the state. This article suggests some directions of possible reformations of the Russian banking sector in order to ensure the protection of socially vulnerable segments of the population.

Production of meat and processed products in the conditions of technological modernization of agro-industrial complex of the East Kazakhstan region

Goal - the current situation and promising directions for the development of meat industry in the East Kazakhstan region are considered, and limiting factors for its growth are identified. During the research process, in the context of a comprehensive analysis, calculationconstructive, statistical-economic, expert, and monographic methods were used. Results – an assessment of the main parameters of livestock complex and meat processing sector in the Eastern region over the past five years is presented. Based on the results of the study, it was revealed that there are positive changes in meat sector, but overall production is not efficient enough. The authors note the lack of raw materials and high cost of raw materials. Food imports occupy a significant place, and small-scale production of farms leads to decrease in the competitiveness of goods produced. Conclusions – the results of the study made it possible to substantiate the most optimal directions for increasing the volume of meat product subcomplex and expanding meat products market through effective government regulation, development of cooperative and integration relations between agricultural producers and processing industry enterprises, allowing the creation of cooperatives that contribute to increasing the size of production and processing of meat products. As economic measures, it is advisable to stimulate supply and demand for food products, preferential lending throughout the entire cycle of obtaining products and selling them on domestic and foreign markets. The authors focus on the need to find options for reducing costs of production processes, implementing innovative projects and forming cluster-type associations. The creation of new enterprises (meat processing plants, poultry farms) will create new jobs and increase the income of the population.

Соціокультурне походження грошей і взаємодоповнення реального та віртуального простору метавсесвіту

Understanding the socio-cultural foundations of the institution of money, relying in interaction with donors on the deep, "silent", essential foundations of the functioning of the monetary system is an important prerequisite for success in ensuring the financial stability of a national economy. The purpose of the paper is to trace the evolution of the qualitative and quantitative components of the institution of monetary relations in the process of changing economic systems as an important prerequisite for financial support of Ukraine during the defense of its independence and post-war recovery. Attention is focused on the interdisciplinary nature of the study of the phenomenon of money as an institution that complementarily combines virtual and real economic components of the metauniverse. The conflicting relationship between the phenomenal and the essential, the sacred and the profane, the quantitative and the qualitative, is revealed in the institution of money. The evolution of forms of money from the archaic to the digital economy and the influence of sacred factors on it are traced. The author reveals the complementarity of monetary, religious, ideological, political, and legal institutions as a tool for ensuring the existence of society as a whole in the combination of its virtual and real components. Attention is given to the actualization of reciprocity relationships in the process of forming the digital economy. It is shown that the prerequisites for their formation are kinship, and closeness by social attitudes. Accordingly, relations of exchange (market) and redistribution (state) are complemented by system-forming institutions of gift. M. Godelier attributes to the conditions for the formation of "gift management" the following: the leading role of personal relationships in the creation of social ties, the interest of individuals and social groups in selflessness for social reproduction and their own existence, and the prevalence of traditions of mutual relations-obligations. "What creates the obligation to give is that the giving creates obligations" - this is how the scientist formulates this principle. Solidarity is based on the voluntary transfer of part of what you have. At the same time, accepting a gift puts the recipient in the position of debtor in relation to the donor. It is shown that preferential lending, provision of grant support, involvement in joint projects, in particular in the field of supporting Ukraine's defense capability and the development of the national economy, can be considered an example of a complementary combination of quantitative, real (purely economic exchange relations) and qualitative, virtual (reciprocal relations) components of the monetary system.

Statistical Analysis of Financial Results of Dairy Production Organizations of the Altai Territory

Currently observed significant differentiation of organizations involved in dairy products production in the Altai Territory in terms of financial results and the amount of property determines their development prospects, sources and cost of attracted financial resources and opportunities for formation of an optimal capital structure. Under these conditions it is important to identify the main trends in the formation and use of financial resources of dairy production organizations, taking into account market conditions in the dairy products market.The purpose of the study is a statistical assessment of the formation of financial results of organizations specializing in the production of dairy products, considering the observed processes of capital concentration. The authors specify that the main contribution to the formation of the balanced financial result of the dairy industry organizations in the Altai Territory is made by entities specializing in the production of cheese and cheese products, drinking milk and cream. The results of the statistical grouping made it possible to determine that for all types of economic activity in the groups of organizations there were both profitable and unprofitable entities with a fairly high differentiation in terms of revenue level. At the same time decrease in profitability of all types of products is the main factor in reducing products profitability level in 2019–2021. The impact of the change of cost of sales structure by entities of various types of economic activity on profitability was positive but not significant. Entities differ significantly in terms of current assets turnover, and the general slowdown in the current assets turnover in 2019–2021 led to additional involvement of funds in turnover. The government bodies taking into account the results of the study in their activities will allow them to increase the effectiveness of monitoring the efficiency of the use of financial resources of economic entities, as well as to justify the feasibility of preferential lending to dairy industry enterprises depending on their specialization.

ECONOMIC ISSUES OF LAND USE IMPROVEMENT AND ACTIVATION OF THE LAND MARKET IN UKRAINE

Land resources, together with other means of production, are actively used in the process of social and economic activity in Ukraine. Under such conditions, the system of land relations, the main forms of land ownership, as well as the peculiarities of owning and using it, which correspond to world experience, were formed. On the basis of the study of scientific works, the land legislation of Ukraine and conducting research, the problematic issues of land relations in the conditions of the development of the market economy in Ukraine and the improvement of the efficiency of land as a resource and means of labor are presented. Ukraine’s desire to rebuild land relations and develop them in accordance with world standards objectively led to the formation of a new system of land management and land use, which is focused on achieving sustainable development, on the formation of an effective landowner and subject of activity on land. In Ukraine, the basic principles of effective development of land management have been created, which provide for equal rights for all forms and subjects of land ownership. In order to ensure a strong economy of the state, special attention should be paid to the activation of the land market, the increase in the amount of rental income of farms and subjects. This should significantly increase the socio-economic development of Ukraine’s economy. Land rent acts as an economic form of realizing the right to own land through rent, occupies a prominent place in pricing, directly shapes the price of land, which is extremely important for the potential of agriculture in market conditions. Economic prerequisites and mechanisms for the effective functioning of land ownership entities are expected to be provided through state regulation of the domestic land market using mainly monetary and commodity interventions. Considerable attention should be paid to the mechanisms of ensuring the solvency of land owners and users and the activation of the processes of further privatization of land resources with the help of preferential lending. The problem of activation and stabilization of the land market began to be solved thanks to the state policy in Ukraine, which is oriented towards European integration.

ОЦІНКА КОНКУРЕНТОСПРОМОЖНОСТІ АГРАРНИХ ПІДПРИЄМСТВ ВІННИЦЬКОГО РЕГІОНУ В УМОВАХ СТАЛОГО РОЗВИТКУ

The article assesses the competitiveness of agricultural enterprises of the Vinnitsa region in conditions of sustainable development. It was determined that the competitiveness of agricultural enterprises expresses the ability and efficiency of adaptation to the conditions of the competitive environment. Various approaches to the interpretation of the essence of the competitiveness of an agricultural enterprise are given. Summarizing the views of scientists, it is worth noting that the competitiveness of an agricultural enterprise is a quantitative and measurable characteristic that reflects a relative indicator of the enterprise's ability to withstand competitive pressure on the agricultural market during a certain time period. An assessment of the competitiveness of the following agro-industrial enterprises of the Vinnitsa region, operating in various branches of agriculture and selling grown (manufactured or processed) products through various sales channels, was carried out. The assessment of the competitiveness of agricultural enterprises was carried out on the basis of the method of comparative advantages, the theory of effective competition and benchmarking. The research established that during 2020-2022, the most competitive agricultural enterprise is "Organic-D" LLC, which took first place among the selected enterprises. It has been established that the optimal direction for increasing the competitiveness of production in agriculture is its intensive modernization, including technical and technological improvement through the introduction of a system of machines for complex mechanization of all technological processes. In order to increase the competitiveness of agricultural production, a system of state support for the agricultural sector should be implemented, including preferential taxation, price regulation to achieve parity development, preferential lending, production subsidies, innovation support, optimal price formation, etc. It was determined that the introduction of a system of state support can contribute to the sustainable development of the agricultural sector and ensure its competitiveness in the markets.

Оценка влияния инвестиций в государственные индустриальные парки на устойчивое развитие региона

In recent years, various forms of interaction between the state and business have been developing. Business interest in state industrial parks is associated with the possibility of quick launching of production, optimizing logistics costs, meeting domestic demand for domestic prod-ucts and expanding existing facilities. In order to attract residents to parks, the state provides tax and legal preferences, preferential lending and support to investors and residents. Creating new jobs and attracting investment in production contributes to the economic growth of the region, improving the quality of life of the population through rising incomes and improving infrastruc-ture. All these factors associated with the development of state industrial parks in the region have a significant impact on its sustainable development. The analysis of sustainable development of the region aims to maintain equality in the social, economic and environmental spheres. However, existing approaches to assessing the sustainability of a region do not include the presence of in-dustrial parks on its territory and the volume of investment in their development. The article pro-poses a methodological approach to assessing the sustainable development of a region, taking in-to account the peculiarities of the functioning of state industrial parks in it. As a result of the study, an index of sustainable development of the regions of the Northwestern Federal District was calculated and its relationship with the volume of investments in state industrial parks was assessed. The proposed methodological approach makes it possible to improve the quality of decisions made on the development of state industrial parks in the regions. The obtained research results are necessary for management companies for the purpose of making management decisions and for residents when choosing a site for placement.

ПРЕДПОСЫЛКИ УСТОЙЧИВОСТИ И ЭФФЕКТИВНОСТИ РАЗВИТИЯ МАШИНОСТРОЕНИЯ В УСЛОВИЯХ САНКЦИОННОГО ДАВЛЕНИЯ

The article examines in detail the impact of sanctions pressure from Western countries on the state of the domestic industry as a whole and its separate branch - mechanical engineering. The purpose of the study was to analyze the current state of mechanical engineering in Russia in order to identify existing problems, determine optimal directions and formulate proposals for achieving sustainable economic development of the Russian Federation. The objectives of the study were: analysis of the current state of mechanical engineering; identification of problems of the efficiency of mechanical engineering development; determination of directions of development of the mechanical engineering industry in the Russian Federation; development of measures for import substitution in the mechanical engineering complex. The study used the methods of scientific knowledge: analysis and synthesis, monographic, methods of statistical and economic analysis, graphical method, system-structural and formal-logical methods. The information base was the data of Rosstat, the Industrial Development Fund and the Institute for Statistical Research and Economics of Knowledge, presented on the official website and scientific materials of domestic and foreign researchers. We identified the optimal directions for the development of the mechanical engineering industry of the Russian Federation: overcoming the technological gap and increasing demand for machinery and equipment manufactured in the Russian Federation; Innovation-oriented integration into import substitution processes; Creation of modern and progressive technologies in mechanical engineering; Digitalization of business processes and implementation of the Industry 4.0 production management technology; Establishment of cooperation with domestic and friendly foreign enterprises; Increasing the efficiency and competitiveness of mechanical engineering enterprises, etc. The following measures are proposed for import substitution in the mechanical engineering complex: Purchase of components in friendly countries; Cooperation with manufacturing enterprises; Preferential lending by industrial development institutes; Creation by executive authorities of a unified information and industrial system to solve logistics problems; Placement of production segments of the mechanical engineering industry; Stabilization of the domestic product market and Development of cooperative interaction between industries. It is recommended to focus mechanical engineering production on the implementation of priority projects, development projects, projects for the digitalization of industry and SPIC, financed by the FRP, which will allow bringing the enterprise to a modern level and improving the state of the industry as a whole. The directions of future research will be the mechanisms of technological development of the domestic mechanical engineering. The conducted research and its results can be applied by researchers and students in economic fields interested in the state of mechanical engineering in Russia.

К ВОПРОСУ РАЗВИТИЯ ИННОВАЦИОННОЙ ДЕЯТЕЛЬНОСТИ В РАМКАХ РЕАЛИЗАЦИИ ПРОЕКТОВ КОСМИЧЕСКОЙ ПРОМЫШЛЕННОСТИ

The article explores the organizational and economic mechanism with a high component of innovative activity for the implementation of public-private partnership (PPP) projects in the space industry. The author draws attention to the outflow of foreign capital and highly qualified specialists from Russia, and proposes to use public-private partnerships for the sustainable development of the country and intensification of innovation activities. The article emphasizes that the integration of public and private enterprises in the space industry will allow them to combine their resources, overcome industry problems and reduce the costs of producing space products. The importance of granting rights to use state infrastructure, preferential lending to small and medium-sized businesses, marketing activities and improving industrial management within the framework of the organizational and economic mechanism is also discussed.

МОДИФИКАЦИЯ ДЕНЕЖНО-КРЕДИТНОЙ ПОЛИТИКИ В УСЛОВИЯХ АДАПТАЦИИ ЭКОНОМИКИ К НОВЫМ УСЛОВИЯМ

In the context of the geopolitical transformation of the modern economy, monetary policy is being modified, which is the basis of macroeconomic trends. The key rate remains the main instrument of monetary regulation, the manipulation of which makes it possible to overcome high inflation expectations. The measures of monetary policy should include measures to control the movement of capital. The requirement imposed by the Bank of Russia on the mandatory sale of foreign exchange earnings of exporters allowed to stabilize currency volatility. Measures to increase the stability of the banking sector are of great importance. Mandatory reserves have been optimized to increase the flexibility of banks in managing their own funds. In order to adapt to longer-term structural changes, credit institutions were provided with a large-scale package of temporary support measures. Among them is the possibility of fixing the exchange rate and the value of assets for calculating standards. Measures have been introduced to support borrowers, and preferential lending programs for borrowers have been adopted. Modern instruments of monetary policy are communications. With their help, the central bank influences the degree of confidence in the policy being pursued. Short-term measures were taken to support the restructuring of the Russian economy in the face of sanctions, such as reducing administrative pressure on business, simplifying customs and transport clearance procedures, product certification, and accelerating the introduction of digital technologies. Thus, monetary policy acquires new imperatives.

АНТИКРИЗОВІ СЦЕНАРІЇ МІЖГАЛУЗЕВОЇ ВЗАЄМОДІЇ ПЕРЕРОБНО-ХАРЧОВИХ АГРОХОЛДИНГІВ В ЦІЛІСНІЙ СИСТЕМІ ЕКОНОМІЧНИХ ВІДНОСИН З АГРАРНИМИ ПІДПРИЄМСТВАМИ

The article contains the theoretical and methodological principles of developing anti-crisis scenarios of intersectoral interaction of agricultural market participants to minimize the impact of production risks of agricultural enterprises, transformation of indicators of the production and technological cycle and neutralization of the crisis level of competitiveness of processing industry enterprises. The density curves of the distribution of the probability of accidental losses were constructed; a risk zone is determined for an in-depth interval assessment of minimization of the crisis of agricultural holdings. Meat-processing agricultural holdings are singled out and the multi-vector nature of changes by types of production-technological cycle is determined based on the results of a multi-level diagnosis of the crisis of competitiveness of meat-processing agricultural holdings in the integral system of economic relations with agricultural enterprises. Poly-vector changes in the level of the crisis of the competitiveness of meat-processing agroholdings according to the integral indicator of ensuring the production and technological cycle in the time interval of 2021–2023 have been determined (without taking into account the amount of financial support from private investors and taking into account capitalized profit and state preferential lending). Empirical dependencies of variable indicators of insurance of the production and technological cycle of domestic meat processing agroholdings in the approximation of actuarial calculations are substantiated. Anti-crisis scenarios of cross-industry interaction of meat-processing agricultural holdings in an integrated system of economic relations with agricultural enterprises to neutralize crisis factors of competitiveness for 2024–2028 are proposed. It was concluded that the level of competitiveness of agroholdings depends on dynamic development, which is influenced by indices of agricultural raw materials, price indices for by-products and their processing products, preferential credit rates, volumes of private investments, state material assistance and the level of insurance payments.

Застосування теорії змін в екологізації бізнесу

The article summarizes scientific approaches to the development of the theory of changes in the greening of business. The scientific and methodological approaches to understanding the basics of the theory of change have been developed. The features of the application of the theory of change in the greening of business are presented. The specifics of the development of the theory of changes in the greening of business on the example of Ukraine are revealed. It is determined that for the Ukrainian realities, the greening of business is implemented mainly in the formal plane in the context of compliance with the norms and standards of environmental development, ensuring environmental taxation, control of environmental pollution standards, which slows down the development of the component of the Ukrainian environmental business and hinders the innovative introduction of elements of the ecological paradigm in our country. The theory of change is a rigorous but necessary process by which groups and stakeholders in planning activities formulate their long-term goals and define the conditions that they believe should precede the achievement of these goals. These conditions are modeled as desired outcomes, organized graphically in a causal structure. Change theory describes the types of interventions (a single program or a coordinated initiative) that lead to the outcomes depicted in the outcome map. Each intervention is linked to an outcome in a causal system, revealing the often complex web of actions required to bring about change. Several factors have been found to make it difficult for multinational companies to take action against climate change, such as a lack of certainty about climate policy, a lack of green technologies, and a lack of return on investment. The use of green practices also remains limited in the International Health Standards (IHR) in both developed and developing countries, due to limited access to finance and skills, lack of information and knowledge about innovation, and, in some cases, poor enforcement of rules. It is determined that for a better and more effective application of the norms and provisions of the theory of changes in the greening of business, it is relevant to introduce professional courses for managers and environmental managers of companies, which will direct the professional training of management staff to the implementation of effective environmental changes in business. It is also relevant to introduce the State-based programs to stimulate the development of greening business in terms of indirect (tax incentives for businesses that implement environmental innovations) and direct incentives for the implementation of environmental changes (preferential lending for greening business).

Providing food to the population of Kazakhstan: priorities, mechanisms

Goal - the current state and problems of development of agriculture in Kazakhstan are considered - basics of providing food to the population of the republic and development of recommendations for improving agricultural policy. Methods – systematic approach, abstract-logical, monographic, economic-statistical. Results - the authors note that the Republic of Kazakhstan ranks 32nd in the Global Food Security Index for 2022. The country has sufficient natural resources to strengthen agri-food sector, and there is the necessary level of physical availability of food products. At the same time, the share of consumer spending on food products exceeds 50%, which indicates a relatively low degree of economic accessibility of food products. The republic is directly dependent on imports of beef, pork, poultry, fish, seafood, vegetable oils, sugar and chocolate. Dairy products are uncompetitive in comparison with similar Russian and Belarusian products, which leads to significant volumes of imports. Positive results of the functioning of agro-industrial complex of Kazakhstan include exceeding gross grain harvest of the threshold level of food self-sufficiency. Conclusions – recommendations prepared as part of the study are aimed at further spreading agricultural cooperation in livestock and crop production, implementing the import substitution policy in agricultural sector, increasing profitability of small and medium-sized agricultural enterprises, improving domestic technological and resource base, and living conditions in rural areas. Improving food security will be possible if there are effective measures of support from the state for agricultural producers, which implies necessary level of subsidies, reimbursement of capital costs, preferential lending, and provision of targeted financial assistance.