ANALYSIS OF THE CURRENT STATE OF AGRICULTURAL CREDIT COOPERATION AND PROSPECTS FOR ITS DEVELOPMENT

Iuliia Ushkarenko; Andrii Soloviov

doi:10.32999/ksu2307-8030/2025-54-8

Iuliia Ushkarenko https://orcid.org/0000-0002-7231-5277
Andrii Soloviov https://orcid.org/0000-0002-6429-5253

DOI: https://doi.org/10.32999/ksu2307-8030/2025-54-8

Keywords: agricultural credit cooperation, credit cooperatives, financial stability, cooperative development, public administration, credit mechanisms

Abstract

This article examines the current state and development prospects of agricultural credit cooperatives (ACC). The study highlights key issues such as weak financial sustainability, limited state support, and regulatory shortcomings that hinder the effective operation of ACCs. It analyzes international experience, particularly in the EU and North America, and explores potential adaptation strategies for Ukraine. Special attention is given to digitalization, risk management, and integrating cooperative crediting into national financial systems. The article proposes measures to improve ACC efficiency, including legislative enhancements, financial incentives, and technological advancements, aimed at strengthening their role in supporting the agricultural sector.

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