{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:DOC-XVXYRQAH/023ba9cb-f2cc-4a99-bb37-732944bcb7d8/HTML","dcterms:extent":"73 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:DOC-XVXYRQAH/0cc0d6cd-c4d8-4c3c-a021-8d2ef8f54356/PDF","dcterms:extent":"548 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:DOC-XVXYRQAH/847ccd95-606b-4990-8d59-293f547bd600/TEXT","dcterms:extent":"52 KB"}],"edm:TimeSpan":{"@rdf:about":"2006-2025","edm:begin":{"@xml:lang":"en","#text":"2006"},"edm:end":{"@xml:lang":"en","#text":"2025"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:DOC-XVXYRQAH","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/urn:nbn:si:spr-hthivfa7"},{"@xml:lang":"sl","#text":"Naše gospodarstvo"}],"dcterms:issued":"2012","dc:creator":["Memić, Deni","Rovčanin, Adnan"],"dc:format":[{"@xml:lang":"sl","#text":"številka:1/2"},{"@xml:lang":"sl","#text":"letnik:58"},{"@xml:lang":"sl","#text":"str. 3-15"}],"dc:identifier":["ISSN:0547-3101","COBISSID:10975260","URN:URN:NBN:SI:doc-XVXYRQAH"],"dc:language":"en","dc:publisher":[{"@xml:lang":"sl","#text":"Društvo ekonomistov Maribor"},{"@xml:lang":"sl","#text":"Ekonomski center Maribor"},{"@xml:lang":"sl","#text":"Ekonomsko-poslovna fakulteta"}],"dc:subject":[{"@xml:lang":"sl","#text":"banke"},{"@xml:lang":"sl","#text":"Bosna in Hercegovina"},{"@xml:lang":"en","#text":"Bosnia and Herzegovina"},{"@xml:lang":"sl","#text":"kreditiranje"},{"@xml:lang":"sl","#text":"kreditna sposobnost"},{"@xml:lang":"sl","#text":"nelikvidnost"},{"@xml:lang":"sl","#text":"podjetja"},{"@xml:lang":"sl","#text":"poslovne finance"},{"@rdf:resource":"http://www.wikidata.org/entity/Q225"}],"dcterms:temporal":{"@rdf:resource":"2006-2025"},"dc:title":{"@xml:lang":"sl","#text":"On the main financial predictors of credit default| evidence from the Federation of Bosnia and Herzegovina| O glavnih finančnih dejavnikih napovedovanja plačilne nesposobnosti - primer Federacije Bosne in Hercegovine|"},"dc:description":[{"@xml:lang":"sl","#text":"The purpose of this paper is to investigate if any significant relationship exists between a wide set of financial ratios and the probability of credit default among the companies in the Federation of Bosnia and Herzegovina. Most existing literature in the field of credit default probability focuses on bond markets. Very few studies focus on credit default using bank loan data. To our knowledge, no such studies have been conducted and published covering data from Bosnia and Herzegovina. We found a significant relationship between the financial ratios and credit default probability. Return on assets (ROA) seems to be the most influential financial ratio on the probability of the credit default. We also found that other financial ratios have a significant influence on credit default, such as EBIDA-Replacement Capex and average account payable days. A broader study using similar data sets from companies in the Republic of Srpska as well as regional countries can be beneficial in assessing broader conclusions and possible similarities in credit default occurrence as well as the main variables affecting it. The similar data from the Republic of Srpska was unavailable for this study. The research results imply that banks may use the assessed model as an additional tool in risk management procedures when deciding whether to provide a new loan facility or not as well as in assessing the credit risk within the existing portfolio"},{"@xml:lang":"sl","#text":"Namen članka je raziskati, ali obstaja kakršna koli pomembna povezava med širokim naborom finančnih kazalnikov in verjetnostjo plačilne nesposobnosti na primeru podjetij iz Federacije Bosne in Hercegovine. Večina literature s področja verjetnosti plačilne nesposobnosti se osredotoča na trg obveznic, zelo malo študij pa se nanaša na plačilno nesposobnost z uporabo podatkov o bančnih posojilih. Po našem védenju študije, ki bi upoštevale podatke za Bosno in Hercegovino, niso bile izvedene in objavljene. Ugotovili smo pomembno povezavo med finančnimi kazalniki in verjetnostjo plačilne nesposobnosti. Donos na sredstva (ROA) je finančni kazalnik, ki najbolje predvideva verjetnost plačilne nesposobnosti. Prav tako smo ugotovili, da tudi drugi finančni kazalniki, na primer za razdolževanje razpoložljivi denarni tok (EBIDA-Replacement Capex), in povprečni dnevi vezave obveznosti do dobaviteljev močno nakazujejo na plačilno nesposobnost. Podrobnejša študija, ki bi vključevala podoben nabor podatkov o podjetjih iz Republike Srbske in iz držav v regiji, bi bila dobrodošla za sprejemanje širših sklepov in ugotavljaje potencialnih podobnosti in razlik pri pojavu plačilne nesposobnosti in glavnih finančnih kazalnikih, ki nakazujejo na plačilno nesposobnost. Podatki iz Republike Srbske za to študijo niso bili na voljo. Rezultati raziskave kažejo, da bi banke lahko uporabile oblikovani model kot dodatno orodje v vsakodnevnem upravljanju kreditnega tveganja, ko se odločajo o odobritvi oziroma neodobritvi novih kreditov, pa tudi pri ocenjevanju kreditnega tveganja znotraj obstoječega portfelja"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:DOC-XVXYRQAH","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:DOC-XVXYRQAH"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:DOC-XVXYRQAH/0cc0d6cd-c4d8-4c3c-a021-8d2ef8f54356/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:intermediateProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:dataProvider":{"@xml:lang":"sl","#text":"Univerza v Mariboru, Ekonomsko-poslovna fakulteta"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:DOC-XVXYRQAH/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:DOC-XVXYRQAH"}}}}