Cross-case analysis processor – part 1
| Macro variable | Variable | Firm E | Firm C | Firm D | Firm B | Firm A | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| SCF solution | SCF solution | What: RF with Retailer When: 5–10 years | What: DD When: under evaluation | What: RF with retailer | What: RF When: proposed in 2018, not implemented | What: RF with retailer When: 2016 | What: RF When: not implemented | What: RF When: 6 years + | What: IF Control How: repurchase option, no LSP, derecognition, without dispossession When: 2016, closed in 2018 | What: RF When: 2016, 2018 (green coffee) | What: IF Control When: evaluated (2019) but not implemented |
| Technology | No technology | Technological platform | Platform to support RF | No technological platform | General traceability system already present | Supplier portal | |||||
| SC stage | SC stage | Processor – Retailer | Processors SMEs – Processor | Processor – Retailer | Producers – Processor | Processor – Retailer | Processors SME – Processor | Producers – Processor Cooperative/Processors SME – Processor | Processor | Cooperative/ Processors SME – Processor | Processor |
| Activator | Retailer | Processor | Retailer | Processor | Retailer | Processor | Processor | Processor | Processor | ||
| Size | Size | Big Firm | Big Firm | Big Firm | Big Firm Used by SMEs | Big Firm | Big Firm Used by both big and small firms | Big Firm | Big Firm | Big Firm Used by both big and small producers | Big Firm |
| Regulation | Late Payment Directive | Art 62 fostering the solution | |||||||||
| Nonpossessory revolving pledge | Lack of regulation on pledge making the solution stop | ||||||||||
| Product category | Category | Category: Packaged | Fresh, commodity | Fresh | Fresh | Frozen | Fresh/Commodity | Fresh | Aged | Commodity | Commodity |
| Product | Bakery | Milk | Milk | Ice cream and frozen croissanterie | Butter, flour, milk powder | Milk | Ham | Coffee | Coffee | ||
| Drivers | Bankruptcy risk of suppliers | X | |||||||||
| Payment terms | X (No change in payment terms) | X (Lower DSO) | X (Higher DPO) | X (Decrease suppliers' DSO) | X (decrease DSO for producers, increase DPO for processor) | X (increase DPO for processor; decrease DSO for suppliers) | |||||
| Lack of liquidity | X | X (for suppliers) | X (for suppliers) | X (for processor) | X (suppliers) | ||||||
| Exploit the excess of liquidity | X (due to seasonality) | ||||||||||
| Need of ensure quality | X | X | |||||||||
| Lack of access to financial services | X (no issues) | X (for suppliers) | X (for small suppliers) | X (for small suppliers) | |||||||
| Long production cycles | X | X | |||||||||
| Level of stocks | X (high NOWC) | X (high NOWC) | |||||||||
| Lack of collateral | |||||||||||
| Short maturity period | |||||||||||
| Sustainability | X | ||||||||||
| New drivers | Need to collaborate with relevant customers | X | X | ||||||||
| Need to improve balance sheet composition | X | ||||||||||
| Barriers | Knowledge about SCF | X | X | ||||||||
| Technological barriers | X | X | X (for small suppliers) | ||||||||
| Collaboration and visibility | |||||||||||
| Organizational policies | X (Stop imposed by the parent company) | ||||||||||
| Regulatory barriers | X (noncompliant with accountability policies) | X (Government law) | |||||||||
| Macro-institutional challenges | X (Language barriers) | X (Language and cultural differences) | |||||||||
| Asymmetric information | |||||||||||
| Lack of high volumes | X | X | X | ||||||||
| New barriers | Cultural change | Fear of change | |||||||||
| Complexity and time efforts | |||||||||||
| Uncertain marketability | X | ||||||||||
| Finding a financial institution willing to take the risk | X | X | |||||||||
| Macro variable | Variable | Firm E | Firm C | Firm D | Firm B | Firm A | |||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| SCF solution | SCF solution | What: RF with Retailer | What: DD | What: RF with retailer | What: RF | What: RF with retailer | What: RF | What: RF | What: IF Control | What: RF | What: IF Control |
| Technology | No technology | Technological platform | Platform to support RF | No technological platform | General traceability system already present | Supplier portal | |||||
| SC stage | SC stage | Processor – Retailer | Processors SMEs – Processor | Processor – Retailer | Producers – Processor | Processor – Retailer | Processors SME – Processor | Producers – Processor | Processor | Cooperative/ Processors SME – Processor | Processor |
| Activator | Retailer | Processor | Retailer | Processor | Retailer | Processor | Processor | Processor | Processor | ||
| Size | Size | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm | Big Firm |
| Regulation | Late Payment Directive | Art 62 fostering the solution | |||||||||
| Nonpossessory revolving pledge | Lack of regulation on pledge making the solution stop | ||||||||||
| Product category | Category | Category: Packaged | Fresh, commodity | Fresh | Fresh | Frozen | Fresh/Commodity | Fresh | Aged | Commodity | Commodity |
| Product | Bakery | Milk | Milk | Ice cream and frozen croissanterie | Butter, flour, milk powder | Milk | Ham | Coffee | Coffee | ||
| Drivers | Bankruptcy risk of suppliers | X | |||||||||
| Payment terms | X (No change in payment terms) | X (Lower DSO) | X (Higher DPO) | X (Decrease suppliers' DSO) | X (decrease DSO for producers, increase DPO for processor) | X (increase DPO for processor; decrease DSO for suppliers) | |||||
| Lack of liquidity | X | X (for suppliers) | X (for suppliers) | X (for processor) | X (suppliers) | ||||||
| Exploit the excess of liquidity | X (due to seasonality) | ||||||||||
| Need of ensure quality | X | X | |||||||||
| Lack of access to financial services | X (no issues) | X (for suppliers) | X (for small suppliers) | X (for small suppliers) | |||||||
| Long production cycles | X | X | |||||||||
| Level of stocks | X (high NOWC) | X (high NOWC) | |||||||||
| Lack of collateral | |||||||||||
| Short maturity period | |||||||||||
| Sustainability | X | ||||||||||
| New drivers | Need to collaborate with relevant customers | X | X | ||||||||
| Need to improve balance sheet composition | X | ||||||||||
| Barriers | Knowledge about SCF | X | X | ||||||||
| Technological barriers | X | X | X (for small suppliers) | ||||||||
| Collaboration and visibility | |||||||||||
| Organizational policies | X (Stop imposed by the parent company) | ||||||||||
| Regulatory barriers | X (noncompliant with accountability policies) | X (Government law) | |||||||||
| Macro-institutional challenges | X (Language barriers) | X (Language and cultural differences) | |||||||||
| Asymmetric information | |||||||||||
| Lack of high volumes | X | X | X | ||||||||
| New barriers | Cultural change | Fear of change | |||||||||
| Complexity and time efforts | |||||||||||
| Uncertain marketability | X | ||||||||||
| Finding a financial institution willing to take the risk | X | X | |||||||||
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