Pub Date : 1900-01-01DOI: 10.52174/1829-0280_2022.3-29
Aram Mkhitaryan
Nowadays, attracting clients in remote regions, high transaction fees for serving such clients, effective exchange of information on institutional level and effective management of the organization are some crucial problems that arise for microfinance companies (hereinafter referred to as MFCs). Information technologies are considered to be one of the best solutions to such problems. Within the framework of the paper local financial market and international analyses were made with the aim of introducing the possibility of submitting micro-borrowings with the help of technologies. Within the framework of the work, a secondary data analysis of developing, as well as developed countries was conducted. In addition a survey was carried out to clarify the possibility of providing credit services through the technologies for the population of the Republic of Armenia. As a result, it was established that middleaged clients, living in rural and urban settlements can be offered online loans through mobile applications. Provision of financial services together with payment and settlement organizations is also considered as a solution for microfinance organizations.
{"title":"ՀՀ-ում գործող ՄՖԿ-ների կողմից տեղեկատվական տեխնոլոգիաների կիրառելիությունը և զարգացման հնարավոր ուղղությունները/Applicability and Possible Development Directions of Information Technologies for MFCs Operating in RA","authors":"Aram Mkhitaryan","doi":"10.52174/1829-0280_2022.3-29","DOIUrl":"https://doi.org/10.52174/1829-0280_2022.3-29","url":null,"abstract":"Nowadays, attracting clients in remote\u0000regions, high transaction fees for serving such clients, effective\u0000exchange of information on institutional level and effective\u0000management of the organization are some crucial problems that\u0000arise for microfinance companies (hereinafter referred to as\u0000MFCs). Information technologies are considered to be one of the\u0000best solutions to such problems. Within the framework of the\u0000paper local financial market and international analyses were\u0000made with the aim of introducing the possibility of submitting\u0000micro-borrowings with the help of technologies. Within the\u0000framework of the work, a secondary data analysis of developing,\u0000as well as developed countries was conducted. In addition a\u0000survey was carried out to clarify the possibility of providing\u0000credit services through the technologies for the population of the\u0000Republic of Armenia. As a result, it was established that middleaged clients, living in rural and urban settlements can be offered\u0000online loans through mobile applications. Provision of financial\u0000services together with payment and settlement organizations is\u0000also considered as a solution for microfinance organizations.","PeriodicalId":328482,"journal":{"name":"Messenger of Armenian State University of Economics","volume":"134 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134188767","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.52174/1829-0280_2022.6-22
G. Avagyan, G. Petrosyan, Khoren Mkhitaryan, Knarik Vardanyan, A. Mirumyan
The agricultural sector has always been in the centre of attention of the state policy and the government initiates a number of measures to increase effectiveness and productivity of this sector of the economy. However, these measures are not always effective, and a question often arises about the results obtained against public resources spent in this sphere. The given research aimed revealing the effectiveness of the state assistance programs implemented in the RA agricultural sector, for the purpose of which a survey of the main beneficiaries of the sector was developed. In particular, separate surveys were conducted among farmers (both for households and commercial organizations) and experts in the field of agriculture. The results of the surveys made it possible to identify the main shortcomings and advantages of state support programs, as well as opportunities for their improvement.
{"title":"Evaluation of the Effectiveness of State Assistance Programs Implemented in the RA Agricultural Sector Through a Survey among Farmers and Experts","authors":"G. Avagyan, G. Petrosyan, Khoren Mkhitaryan, Knarik Vardanyan, A. Mirumyan","doi":"10.52174/1829-0280_2022.6-22","DOIUrl":"https://doi.org/10.52174/1829-0280_2022.6-22","url":null,"abstract":"The agricultural sector has always been in the centre of attention of the state policy\u0000and the government initiates a number of measures to increase effectiveness and productivity of this sector of the economy. However, these measures are not always\u0000effective, and a question often arises about the results obtained against public resources\u0000spent in this sphere. The given research aimed revealing the effectiveness of the state\u0000assistance programs implemented in the RA agricultural sector, for the purpose of which\u0000a survey of the main beneficiaries of the sector was developed. In particular, separate\u0000surveys were conducted among farmers (both for households and commercial\u0000organizations) and experts in the field of agriculture. The results of the surveys made it\u0000possible to identify the main shortcomings and advantages of state support programs, as\u0000well as opportunities for their improvement.","PeriodicalId":328482,"journal":{"name":"Messenger of Armenian State University of Economics","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134428703","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 1900-01-01DOI: 10.52174/1829-0280_2022.2-77
Khoren Mkhitaryan, Boondee Kachachat
SME sector has a significant impact on the countries’ economic development and provides tangible social economic results leading to regional development. Acknowledging the crucial role of SME sector in countries’ development, the paper aims at identifying the main trends and issues of the sector strategy development and making corresponding suggestions for its further development. Specifically, different theories and models have been outlined in the paper regarding the development of small and medium enterprises sector, the determinants of efficiency in SMEs, conceptual framework of factors affecting SMEs development, etc. The data have been gathered and analyzed taking into consideration the peculiarities and trends of small and medium enterprises development in the Republic of Armenia, the obstacles and, meanwhile, prospects and main directions of the sector development. Corresponding recommendations have been made based on the conclusions, results and findings of the study which is directed to contribute to the future development of small and medium enterprises in the Republic of Armenia.
{"title":"Հայաստանի Հանրապետությունում փոքր և միջին ձեռնարկատիրության զարգացման միտումներն ու առանձնահատկությունները/PECULIARITIES AND TRENDS OF\u0000SMALL AND MEDIUM ENTERPRISES\u0000DEVELOPMENT IN THE REPUBLIC OF\u0000ARMENIA","authors":"Khoren Mkhitaryan, Boondee Kachachat","doi":"10.52174/1829-0280_2022.2-77","DOIUrl":"https://doi.org/10.52174/1829-0280_2022.2-77","url":null,"abstract":"SME sector has a significant impact on the countries’ economic development and\u0000provides tangible social economic results leading to regional development. Acknowledging\u0000the crucial role of SME sector in countries’ development, the paper aims at identifying the\u0000main trends and issues of the sector strategy development and making corresponding\u0000suggestions for its further development. Specifically, different theories and models have\u0000been outlined in the paper regarding the development of small and medium enterprises\u0000sector, the determinants of efficiency in SMEs, conceptual framework of factors affecting\u0000SMEs development, etc. The data have been gathered and analyzed taking into\u0000consideration the peculiarities and trends of small and medium enterprises development in\u0000the Republic of Armenia, the obstacles and, meanwhile, prospects and main directions of\u0000the sector development. Corresponding recommendations have been made based on the\u0000conclusions, results and findings of the study which is directed to contribute to the future\u0000development of small and medium enterprises in the Republic of Armenia.","PeriodicalId":328482,"journal":{"name":"Messenger of Armenian State University of Economics","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133320666","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}