20.500.12556/DKUM-20004 POSTOPEK ODOBRAVANJA NALOŽB SEGMENTU MALEGA GOSPODARSTVA (PRIMER NOVE KBM D.D.) THE PROCESS OF INVESTMENTS APPROVAL FOR SMALL BUSINESS SEGMENT (THE CASE OF NOVA KBM D.D.) Financiranje je pomemben dejavnik pri obstoju, rasti in uspehu mikro, malih in srednje velikih podjetij v okviru segmenta malega gospodarstva. Obstaja več virov financiranja: notranji in zunanji viri financiranja, lastni in tuji viri financiranja ter lastniški in dolžniški viri financiranja. Za segment malega gospodarstva predstavljajo dolžniški viri financiranja še vedno najpomembnejšo obliko svežega kapitala. Osnovni namen diplomskega seminarja je predstaviti postopek dolžniškega vira financiranja segmenta malega gospodarstva na primeru Nove KBM d.d. Uvodoma so opisane osnovne značilnosti malega gospodarstva: njegov pomen v gospodarstvu, vpliv na različne sestavine v gospodarstvu, dejavniki, ki vplivajo na njegovo delovanje, ter viri financiranja. Nadaljevala sem s predstavitvijo osnovnih značilnosti Nove KBM d.d, ter s procesom odobritve naložb segmentu malega gospodarstva. Postopek je predstavljen na različnih ravneh; od samega pogovora s kreditojemalcem ter prejema in pregleda naložbe do podpisa pogodbe, odplačevanja in spremljanje naložbe in končne izterjave kredita. Natančneje je predstavljena klasifikacija gospodarskih subjektov, financiranje in zavarovanje poslovanja v Novi KBM d.d. Financing is an important factor for existing, growth and overall success of micro, small and middle-market companies. There are various sources of funding available: internal and external, domestic and foreign, as well as equity and debt related finance sources. Debt related financing sources are still the main source of fresh capital for the segment of small businesses. The main goal of my graduate assignment is to explain the procedure of debt related financing for the segment of small business in case of Nova KBM d. d. In the beginning I will explain basic facts of small businesses: their role in the economy, influence on various components of economy, factors that influence their operations, and sources of financing. Further on I will explain basic facts about Nova KBM d. d., and their process of investment approval for small businesses. I will also explain the procedure on various levels: from a basic interview with the client, receiving and examining the investment, payment dynamic and investment monitoring, to the final credit recovery. Classification of economic subjects, financing and insurance procedures in Nova KBM d. d. are explained in details. segment malega gospodarstva financiranje viri financiranja postopek odobravanja naložb boniteta segment of small business economy financing sources of financing procedure of investment approval credit rating true true false [N. Hauptman] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-09-06 13:24:08 2012-12-04 12:38:38 2022-04-13 15:49:26 2023-12-25 03:29:03 2012 0 Destrnik 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 658.14/.17 11234076 URN:SI:UM:DK:XNQJFGDK UNI_Hauptman_Natalija_2011.pdf UNI_Hauptman_Natalija_2011.pdf 1 AE3E60F9A9046F74A48DD2FCF5482842 a4422e08913796b669885fa5bc9f1175b7e8a9be0a87558143f6cfbf73967f8d 838bb5e4-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/a553c4f4-1220-4685-ae0e-305857f394d2 https://dk.um.si/Dokument.php?lang=slv&id=24516 Ekonomsko-poslovna fakulteta 0 0 0