COLLECTION OF CLAIMS FROM LEGAL ENTITY

DEBT COLLECTION OF COMPANY RECEIVABLES

COLLECTION OF CLAIMS FROM LEGAL ENTITY  

CASE STUDY

Given the overall macro and micro economic conditions suggest that debt collection in company may represent one of the pillars of the future development planning. Quality of repayment system, for performed services, goods or work done, can significantly influence the development of the overall business. Unsynchronization and inability to collect receivables due, if it occurs frequently, primarily leading to the current lack of liquidity with the tendency to develop into insolvency, eventualy leading to the collapse of the company's core business and could create company disappearing from the market.

The main aim of this paper is try, through a brief case study to show  factor of irregular client behavior and monitoring of it, because it can create problems in collecting company receivables.

In developing this paper, we used data of 17 businesses companies, with a total of 163 receivables, that have been processed trought analysis.

The structure of receivables in respect of a debtor was:

- An individual: 26 unrepaid claims

- Entrepreneur: 60 unrepaid claims

- Limited liability of 77 unrepaid claims

With further analysis of claims, it can be reached to a certain regularities in terms of monitoring clients / debtors whose liabilities are not settled in a regular manner, the predicted by contract between client / debtor and creditor (claimant).

By analyse of the receivables, it was found that 42% of the total claims are collectible.

58% of receivables are uncollectible, and in 38% of receivables, is founded that the collection was possible at the moment when the primary problems in servicing the client / debtor obligations rised, but that was  less and less possible to collect due because of poor quality in monitoring by the creditor, and the risk of unrepaying has been growing over time. Eventualy, that 38% of receivables goes into 58% of uncollectable receibavles.

From the results shown it can be clearly concluded that the percentage of receivables may increase at a certain percentage, by actively and promptly company monitoring of client / debtor  servicing of debts.

Mentioned regularity is reflected in the fact that the active monitoring of clients / debtor, can create  eventuality  to detect early indicators suggesting that it is necessary to reduce the volume of business with the potentially problematic client / debtor, or terminate cooperation and by doing that to minimize the risk of default due to insolvency of the client / debtor.

Thus, minimizing the risk of failure to collect receivables and the decreasing  potential oscillations in collection of receivables, can improve business position of company.

Remeber, every company action is message for itself. Because of that, clear and up on time collection is sending the message of serious company wich dont want to leave unresolved problems. Strong messages create strong respect of duties on the market.

NAPLATA POTRAŽIVANJA  PRAVNIH LICA

STUDIJA SLUČAJA

Imajući u vidu celokupnu makro i mikro ekonomsku situaciju ažurna naplata potraživanja kompanije može da predstavlja jedan od stubova planiranja budućeg razvoja. Kvalitet izvršene naplate za  usluge, robu ili izvršen rad, koji predstavlja delatnost kompanije, umnogome može da utiče na razvoj celokupnog sistema poslovanja. Nesinhronizacija i nemogućnost naplate dospelih potraživanja, ukoliko se učestalo pojavljuje, primarno dovodi do trenutne nelikvidnosti sa tendecijom da preraste u nesolventnost koja vodi u poslovni kolaps kompanije i nestajanje sa tržišta.

Cilj ovog teksta je da kroz kratku studiju slučaja prikaže faktor neažurnog praćenja ponašanja klijenta na tržištu koji može da napravi probleme u naplati potraživanja.

Prilikom izrade ovog teksta, korišćeni su podaci 17 privrednih subjekata, sa ukupno 163 nenaplaćena potraživanja koja su bila predmet obrade. 

Struktura nenaplaćenih potraživanja u pogledu forme dužnika je bila:

-          Fizičko lice: 26 nenaplaćenih potraživanja

-          Preduzetnik: 60 nenaplaćenih potraživanja

-          Društvo sa ograničenom odgovornošću: 77 nenaplaćenih potraživanja

Daljom analizom potraživanja, može se doći do odredjene zakonomernosti u pogledu praćenja klijenata/dužnika čije obaveze nisu izmirene na redovan način, predvidjen uguvorom izmedju klijenta/dužnika I poverioca.

Analizom mogućnosti naplate, utvrdjeno je da je 42% ukupnog potraživanja naplativo.

Od 58% potraživanja koje je nenaplativo, u 38% je ustanovljeno da je naplata bila moguća u momentu nastanka primarnih problema u servisiranju obaveza klijenta/dužnika, ali da je usled nekvalitetnog praćenja od strane poverioca, rizik nemogućnosti naplate rastao je protekom vremena, počev od momenta nastanka problema u servisiranju obaveza klijenta/dužnika. 

Iz iznetog se može jasno zaključiti da je procenat naplate potraživanja moguće u odredjenom delu uvećati, kroz aktivno I ažurno praćenje klijenata/dužnika u vezi sa njihovim servisiranjima dugovanja koji nastaju u poslovanju.

Pomenuta zakonomernost se ogleda u tome da je aktivnim praćenjem podataka klijenata moguće doći do otkrivanja ranih indikatora koji upućuju na zaključak da je potrebno ili smanjiti obim prometa sa potencijalno problematičnim klijentom/dužnikom, ili prekinuti saradnju i na takav način minimizirati rizik nenaplativosti potraživanja usled nesolventnosti klijenta/dužnika.

Samim time, umanjuje se rizik nemogućnosti naplate potraživanja, te se u poslovanju umanjuju potencijalne oscilacije koje mogu da nastanu usled neredovne naplate potraživanja.

Upamtite, svaki čin kompanije je poruka za sebe. Jasnim porukama u vezi sa naplatom potraživanja, kompanija šalje poruku da ne ostavlja ništa slučaju, i da uvek mora biti ozboljno shvaćena u poslovanju.