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Item Rolul creditării bancare în finanțarea întreprinderilor din Republica Moldova(2023) Ianioglo, AlinaThe article reveals the problem of SMEs access to finance and the role played by banks in financing entrepreneurial activity. The purpose of the research is to analyse the role of bank lending in financing enterprises in the Republic of Moldova. Research methods used: literature review, analysis of statistical data, comparison and synthesis. It was determined that banks are the main providers of external financing for businesses. At the same time, enterprises encounter difficulties in accessing bank loans due to high interest rates, collateral requirements. Thus, in the current economic conditions, a number of SMEs encountered difficulties in paying loans. It was stated that in addition to improving the accessibility of traditional sources of financing, it is important to diversify and promote alternative sources of financing.Item Alternative de finanțare a afacerii în Republica Moldova(INCE, 2022) Ianioglo, AlinaFinancing business activities represent one of the pressing issues. In current conditions of digital transformation and difficulties in accessing traditional financing, alternative sources of finance acquire a special importance. At the same time, the knowledge regarding alternative finance market in the Republic of Moldova is yet in its infancy. Therefore, the article aims at exploring modern trends, issues and opportunities of alternative finance in the Republic of Moldova. In order to achieve the objective of the study, a mixed research approach, based on both primary and secondary data, was used: analysis of statistical data, international rankings, comparison, synthesis, deduction. There was determined the impact of different sources of finance on entrepreneurship development. The alternative finance market in the Republic of Moldova was analysed, showing that despite a rise in recent years, alternative sources of financing are still poorly developed.Item Alternative sources of enterprise financing and the impact of COVID-19 pandemic(INCE, 2022) Ianioglo, AlinaIn current conditions of digital transformation and difficulties in accessing traditional financing, alternative sources of finance acquire particular importance. At the same time, the knowledge regarding the alternative finance market is yet in its infancy, with little evidence of the effects of the Covid-19 pandemic on the alternative finance market in Moldova. Therefore, the article aims to explore financing alternatives for enterprises in Moldova and determine the effects of the Covid-19 pandemic on the alternative finance market. Additionally, there were analysed data from other reference countries. In order to achieve the objective of the study, a mixed research approach, based on both primary and secondary data, was used: analysis of statistical data, international rankings, comparison, synthesis, deduction, as well as a questionnaire-based survey designed for small and medium-sized enterprises. SMEs have proven to be vulnerable to crises. The alternative finance market in Moldova was analysed, showing that despite a rise in recent years, alternative sources of financing are still poorly developed. The study shows that enterprises face the biggest problems in accessing venture capital, financing on the securities market and use of electronic platforms to attract funding (crowdfunding, cryptocurrencies, etc.). At the same time, there was registered an improvement in accessing crowdfunding since the beginning of the pandemic.Generally, obtained results are essential for further research, practitioners and in determining measures to facilitate access to finance.Item Finanțarea întreprinderilor mici și mijlocii: dificultăți și perspective(Tipogr. "A& VPoligraf", 2021) Ianioglo, AlinaAccess to finance represents one of the major constraints of SMEs, especially in current conditions of pandemic crisis. The article aims to determine main difficulties and prospects in financing SMEs in the Republic of Moldova. In order to achieve the objective of the study, following research methods were used: literature review, analysis of indicators from international rankings, comparison and synthesis. SMEs have proven to be vulnerable to crises, with insufficient access to finance, limited internal procedures for managing crises, poorly developed alternative sources of financing. Thus, a number of measures are needed to support SMEs: financial support, development of alternative sources of funding, technical support for better finance and risk management and other measures.Item The access to finance in Moldova - banking compared to microfinance organizations(“Victor Slăvescu” Centre for Financial and Monetary Research, 2013) Popa, VioricaThe objective of this article is the comparative analysis of the banking sector with the non-bank sector of the Republic of Moldova, by the elucidation of the main trends of development of microfinance and banking institution in the last five years, as being reflected by the improvement of all indicators. In this article, the author analyses the microfinance institutions in Moldova through the financial soundness indicators (the degree of financial intermediation). In the first part of the article, the author analyses the main trends in the microfinance sector compared to the banking sector in recent years, requiring the implementation of an effective and coherent strategic management for banking and non- performing strategies and to maintain the financially stability through appropriate policies administration and risk management. A very suggestive remark about the author is the difficult access to finance in Moldova, representing a particular importance to any economy. In this context, the shocks arising from the financial and economic crisis have affected both credit supply and demand as well. Thus, the existence of appropriate strategic policy to minimize risk in a bank and microfinance institution, condition a management with a high level of professionalism and quality.Item Ce împiedică unei creşteri economice sustenabile în Republica Moldova?(IEFS, 2011) Chistruga, MarcelLiteratura de specialitate abundă în analize şi modele de creştere şi dezvoltare economică. În ultimii 10 ani, un punct de referinţă în practica internaţională în domeniul dat, reprezintă lucrarea lui Hausmann, Rodrik and Velascounde este descrisă metodologia de determinare a celor mai iminente constrângeri şi se bazează pe „o clasificare elementară, dar semnificativă”. Cu alte cuvinte, această abordare adresează o întrebare validă pentru economia unei ţări – de ce creşterea este lentă. Articolul prezintă o sinteză a analizei în acest sens, bazată pe studiile effectuate în Republica Moldova.Item Accesul la finanţe – constrângere la creșterea economică în Republica Moldova(IEFS, 2012) Chistruga, Marcel; Hamuraru, MariaAutorii compară diferiţi indicatori financiari, în scopul de a descoperi o situaţie interesantă pentru Republica Moldova. Toţi indicatorii financiari au un trend pozitiv, dar Republica Moldova nu dispune de resursele financiare necesare pentru o bună dezvoltare. Compararea şi utilizarea indicatorilor financiari din baze de date internaţionale dau posibilitatea în acest articol pentru perspective noi de evaluarea a performanţelor financiare în Moldova.Item Финансовая евроинтеграция: оценка результатов и модель её оптимизации(ULIM, 2009) Percinschi, Natalia; Staritina, LudmilaВ статье рассматриваются проблемы финансовой интеграции стран ЕС, обосновывается оценка её результатов, предлагается модель оптимизации данного процесса, которую можно адаптировать в условиях Молдовы