EDN: OWJYYZ
Authors:
RAJABOVA Shukrona Jamshedovna, NURMUKHAMEDOVA Khursheda Sherboevna
Abstract.
In the modern economic environment, financial analysis plays a primary role in making decisions about lending to organizations. This topic is becoming increasingly relevant in light of recent events related to economic instability and high competition, recovery from the COVID-19 pandemic, as well as government goals to support the activities of organizations and stimulate economic growth. The purpose of this study is to study methods of financial analysis that allow making informed decisions on lending to organizations and determining their effectiveness in conditions of market instability. To achieve this goal, the study used various methods, such as analysis of financial statements, assessment of the company's financial performance, multifactor analysis, and risk analysis. According to the topic of the study, it should be noted that in modern reality, in light of high competition and macroeconomic instability, most enterprises use credit resources. And therefore, comprehensive financial analysis is a key aspect in the lending decision-making process. The results of the study allow us to conclude that a correctly conducted financial analysis allows us to assess the financial condition of the organization, its risks, solvency and ability to repay loan funds. Thus, effective financial analysis is a key tool for making informed lending decisions, which in turn contributes to the development of business and the economy as a whole.
Keywords:
business, accounting, lending, indicators, solution, financial analysis
