Theretical and Methodical Foundations and Practical Directions For Optimizing Personal Lenging Management Processes in the banking Sector of Ukraine

Житар, Максим Олегович (2025) Theretical and Methodical Foundations and Practical Directions For Optimizing Personal Lenging Management Processes in the banking Sector of Ukraine Бізнес-навігатор, 83 (6). pp. 296-302. ISSN 2522-4751

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Abstract

The article examines the theoretical and methodological foundations and practical directions for optimizing personal lending management processes in the banking sector of Ukraine. The study focuses on the period 2020–2025, marked by structural changes caused by the war, monetary policy adjustments, and the rapid digitalization of financial services. Using supervisory statistics of the National Bank of Ukraine and sectoral reports, the paper analyzes trends in retail lending growth, portfolio quality improvement, and the decline in non-performing loans. The author substantiates that the optimization of credit processes is achieved through risk-oriented management models, automation, and the integration of ESG principles and behavioral analytics. Special attention is paid to the influence of macroeconomic stability, interest rate dynamics, and regulatory harmonization with EU standards on banks’ lending strategies. The study highlights that digital transformation, including AI-based scoring systems and real-time data analysis, significantly increases the efficiency and transparency of credit decision-making. It is concluded that further improvement of credit management should rely on predictive modeling, advanced stress testing, and the development of integrated digital ecosystems that ensure a balance between profitability, risk, and social responsibility. The optimization of personal lending management processes thus becomes a key factor in the sustainable post-war recovery and the strengthening of Ukraine’s financial stability. Furthermore, the research emphasizes the importance of financial inclusion, human capital development, and institutional cooperation between banks, regulators, and state programs to expand credit accessibility and strengthen the resilience of the national banking system.

Item Type:	Article
Uncontrolled Keywords:	personal lending; banking sector; credit risk management; process; financial stability; risk-oriented management; scoring systems; digital transformation; monetary policy; sustainable development
Subjects:	Статті у періодичних виданнях > Фахові (входять до переліку фахових, затверджений МОН)
Divisions:	Факультет економіки та управління > Кафедра фінансів
Depositing User:	Професор Максим Олегович Житар
Date Deposited:	08 Dec 2025 14:12
Last Modified:	08 Dec 2025 14:12
URI:	https://elibrary.kubg.edu.ua/id/eprint/54584

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