## 3 Results  
### Indicator Unification Process  
This section describes in detail how the given indicators are mapped onto the interval [0, 1], i.e., how the indicators are unified. The case is considered when one linguistic variable \"degree of favorableness of a given indicator\" is associated with each parameter (indicator) [22]. \(K_{1}\)--dynamics of the development of the industry. The average profit growth over a certain period is analyzed based on industry data and/or data (regional, provincial) regarding departments and services. Let us denote \(i\) as the current year, \(N\) as the length of the analyzed period, and \(p_{j}\) as the profit earned in the industry in the year \(j\). \[K_{1}=K_{1}(i)=\frac{\sum_{j=i-N+1}^{i}g(j)}{N}. \tag{1}\]  
where \(g(j)=\frac{p_{j}-p_{j-1}}{p_{j-1}}*100\%\). We assume \(\mu_{1}(x)=\left\{ \begin{array}{ll}\frac{x}{\alpha},&if\ x\leq\alpha,\\ 1,&if\ x>\alpha.\end{array} \right.\)  
We consider it positive if the average profit growth \(\geq\alpha\). The \(\alpha\) value is determined by the expert. \(K_{2}\)--prospects for the development of the industry. Here, \(K_{2}\) is calculated in the same way, only the predicted data for the years \(M\) are taken. \[K_{2}=K_{2}(i)=\frac{\sum_{j=i+M}^{i=i+M}h(j)}{M}. \tag{2}\] \begin{table}
\begin{tabular}{c c} \hline \hline \(\mathbf{N}\) & **Initial Indicators** \\ \hline
1 & Dynamics of development of the industry \\
2 & Prospects for the development of the industry \\
3 & Needs of the market (industry) for such products (work, services) \\
4 & Dynamics of the development of the economy of the region \\
5 & Prospects for the development of the economy of the region \\
6 & Needs of the market (region) for such products (work, services) \\
7 & Current liquidity ratio \\
8 & Financial independence ratio \\
9 & Working capital financed by equity to total assets ratio \\
10 & Debt service coverage ratio \\
11 & Accounts receivable turnover ratio \\
12 & Accounts payable turnover ratio \\
13 & Inventory turnover ratio \\
14 & Debt-to-equity ratio \\
15 & Profit margin ratio \\
16 & Evaluation of the professional level of staff \\
17 & Evaluation of the moral and psychological atmosphere in the enterprise \\
18 & Sufficiency of the period of stay of the enterprise in the market \\
19 & Economic policy of the enterprise \\
20 & Technical policy of the enterprise \\
21 & Personnel policy of the enterprise \\
22 & Credit history of the borrower (if not absent) \\ \hline \hline \end{tabular}
\end{table} 
Table 1: Financial and general economic indicators. where \(h(j)=\frac{v_{j}-v_{j-1}}{v_{j-1}}*100\%\), \(v_{j}\)--projected profit in \(j\)-th year. Similarly, we assume \(\mu_{2}(x)=\left\{ \begin{array}{ll}\frac{x}{\beta},&if\ x\leq\beta,\\ 1,&if\ x>\beta.\end{array} \right.\)  
We consider it positive if the average projected profit growth is \(\geq\beta\). In a general case, \(\alpha\
eq\beta\). \(K_{3}\)--the needs of the market (industry) for such products (work, services). The range, demand, and supply of products in the industry are analyzed with the help of an assessment: fulfilling the assortment plan; level of average realized prices in the industry; indicators of the impact of product quality on its average price. Certain factors may be considered such as: the proportion of new products in the total output; the proportion of certified products in the total output; the proportion of products that meet international standards in the total output. \(K_{4}\)--the dynamics of the development of the economy of the region. \(K_{5}\)--prospects for the development of the economy of the region. \(K_{6}\)--the needs of the market (region) for such products (work, services). The indicators of the second group, \(K_{4},\ K_{5},\ K_{6}\), are assessed similarly, but on a regional scale, based on statistical information from regional departments and regional statistical services. \(K_{7}\)--current liquidity ratio:  
\[K_{7}=\frac{CA}{StL}, \tag{3}\]  
\[\mu_{7}(x)=\left\{ \begin{array}{ll}1,&if\ x\geq 2,\\ \frac{x}{2},&if\ x<2.\end{array}