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Application of the MARS Method to the Evaluation of Grant Applications and Non-Returnable Instruments of Start-Up Business Financing

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Roszkowska E., Konopka P.
Multiple Criteria Decision Making
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2016
|
vol. 11
153-167
EN
This paper discusses the issue of evaluation of grant and loan proposals submitted by start-up businesses. A multi-criteria model for the evaluation of proposals for start-up business financing is proposed, based on the MARS method and taking into account three criteria: professional experience of the person planning to start a business, evaluation of the business plan, and evaluation of credit history of the applicant. Modelling of the expert’s preferences was based on verbal comparisons of decision variants from the reference set consisting of solutions close to the ideal solution. The usefulness of the model has been verified using data from loan applications submitted to the Business Friendly Fund, operating in one of cooperative banks in the Podlaskie voivodeship.
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Modelowanie oprocentowania kredytów bankowych z wykorzystaniem teorii gier i wartości likwidacyjnej

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Paliński A.
Studia Ekonomiczne
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2014
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vol. 198 cz 2
195-205
EN
The paper presents a model for determination of interest rate on bank loan. According to the theoretical model a borrower repays the lesser of: the amount set in the credit agreement or an amount equal to the liquidation value of his assets. On this basis, the simulation model computes the expected value of bank's income from loan agreement. To verify the model we used accounting and market data of selected publicly traded companies. Unfortunately, interest rates calculated from the model does not coincide with the real averaged loan rates of the companies. The reason for the difference is probably excessive aggregation of financial data and the lack of detailed data on individual loan agreements. An additional reason may be that Polish banks pay no attention to market valuation of companies and their revenue.
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