PRIMJENA CHESSEROVOG MODELA ZA PROCJENU NEIZVRŠAVANJA UGOVORENIH OBEVEZA PREMA BANKAMA KOD MALIH PREDUZEĆA U BOSNI I HERCEGOVINI
APPLICATION OF CHESSER'S MODEL ON SMALL ENTERPRISES TO ESTIMATE NON-FULFILLMENT OBLIGATIONS TO BANKS IN BOSNIA AND HERZEGOVINA

Summary/Abstract: Looking for model quality assessment of small business as well as their predictions insolvency, in this study were applied parameters Chesser's model for estimating non-performance of congratual obligations to banks for small business in Bosnia and Herzegovina. The research was conducted at the forty-three small enterprises, of which twenty-four companies three years after the analysis of financial indicators, taken from the balance sheet and income statement, had continuity in operations, as well as nineteen companies that are in period of three years after the analysis had done registered blockade transaction accounts at banks, and they could not fulfil their contractual obligations. In a sample is tested Chesser's model to estimate non-fulfillment of contractual obligations to banks. The research results show that the application of Chesser's model is not adequate in credit analysis of small enterprises in Bosnia and Herzegovina, because of the characteristics of small enterprises in Bosnia and Herzegovina.

• Details
• Contents