GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW) | ||||||
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23:04 Jun 18, 2013 |
English to Serbian translations [PRO] Bus/Financial - Economics | |||||||
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| Selected response from: Miomira Brankovic Serbia Local time: 04:00 | ||||||
Grading comment
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Summary of answers provided | ||||
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4 +5 | sredstva za finansiranje lizinga |
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sredstva za finansiranje lizinga Explanation: ili sredstva za finansijski i operativni lizing Financial and operating leases for small businesses are available from EBRD-supported leasing facilities. They cover a range of goods such as commercial vehicles, equipment and machinery. http://www.ebrd.com/pages/workingwithus/projects/products/le... Launched in 2008, the IFC Africa Leasing Facility is a five-year, multi-country advisory services program aimed at introducing leasing as an innovative financial instrument across Sub-Saharan Africa. The facility’s goal is to increase access to finance for micro, small and medium enterprises (SMEs) in a number of important sectors. Why Lease? In the majority of African countries high interest rates and prohibitive collateral requirements prevent most micro, small and medium enterprises from securing the necessary credit to acquire expensive machinery, equipment, or vehicles. Traditional banking and commercial credit are, therefore, often only available to the top end of the market. Leasing is particularly useful as a financial instrument for small businesses in Africa because these businesses often lack the credit history or sufficient collateral to access traditional forms of financing. Leasing also reduces the initial capital requirements for acquiring equipment. http://www.ifc.org/wps/wcm/connect/REGION__EXT_Content/Regio... Lizing predstavlja oblik finansiranja koji omogućuje korisniku da za potreban predmet (lično, dostavno ili poslovno vozilo, građevinsku, industrijsku, rudarsku ili poljoprivrednu mašinu, opremu ili nekretninu) ne angažuje vlastita likvidna sredstva već ga za ugovorena periodična plaćanja dobije na korištenje. Obično je reč o proizvodnim dobrima velike vrednosti za koje je teško, odjednom, obezbediti finansije za njihovu nabavku, a da se ne ugrozi tekuća likvidnost firme. Dakle, lizing omogućava da se dođe do korišćenja savremene opreme uz naknadu koja se plaća davaocu u jednom dužem vremenskom periodu. Po isteku tog perioda, lizing se može produžiti uz nižu otplatu, korišćena sredstva se mogu otkupiti ili pak vratiti davaocu, ukoliko je u pitanju operativni lizing, a u slučaju da se radi o finansijskom lizingu, poslednja rata lizinga predstavlja otplatu predmeta. Lizing ima svoje prednosti i za samog prodavca opreme, jer mu omogućava da poveća svoj obim realizacije, naročito na tržišta slabije kupovne moći. Postoje dve osnovne vrste lizinga: 1. finansijski lizing 2. operativni lizing Najveća razlika između finansijskog i operativnog lizinga je pre svega u tome što finansijski lizing predstavlja finansiranje kupovine, a operativni finansiranje korišćenja predmeta lizinga. http://www.leasingsrbija.rs/index.php/lizing |
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Notes to answerer
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