Cash management i svenska inkassobolag - Vägen till långsiktig lönsamhet

Abstract

This paper will address the problem areas which Swedish debt collecting firms encounters while not having a clear cash management strategy. Furthermore, it discusses possible areas for improvement in regards to increase the firm's long-term profitability. No earlier research has been found in this area prior to this study, whereby the study will take its scientific basis in research regarding cash management as a field. These theories will then be applied to the outcome of the empirical data that has been collected throughout this study. Due to the nature of this paper an interview was conducted to establish a foundation for how cash management is used by the Swedish debt collecting firms today. This interview has been complemented by a data gathering from the Swedish Enforcement Authority regarding amounts of seized capital from debtors and number of cases handled each year. Cash management in Swedish debt collecting firms is as seen in this study quite effective and well structured. However, the study concludes that there are improvements to be made with the purpose to generate a more efficient cash management and an increased long-term profitability. Areas with improvement possibilities which are to be concerned are the financing of debt portfolios, short-term investments of excess liquidity and the inflow of cash from debtors.