🇦🇪UAE

تأخر التحصيل: تأثير تأجيل 90 يوم على رأس المال العامل

1 verified sources

Definition

UD policy: 'If borrower fails to return item after 90 days of due date, system presumes loss and marks as lost. Borrower must pay fine (14 days) + lost item charge.' This 90-day lag delays invoicing, billing, and cash recognition.

Key Findings

  • Financial Impact: 7,500–12,000 AED/year opportunity cost (estimated 250 incidents × 200 AED avg replacement cost × 15% annual cost of capital × 0.5 year average delay)
  • Frequency: 90 days per incident; ~250–300 incidents/year
  • Root Cause: Manual 90-day search/verification process before auto-marking lost; no real-time system-triggered invoicing

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Libraries.

Affected Stakeholders

Circulation staff (verification), Finance department (invoicing delay), Accounts receivable (collection lag)

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

تسرب الإيرادات من رسوم الاستبدال غير المحصلة

5,000–15,000 AED/year per institution (estimated 40–60% non-collection rate on 200–300 annual loss/damage incidents × 50 AED avg fee)

تكاليف إدارية مرتفعة: معالجة يدوية لفواتير الأضرار والخسائر

7,800–13,000 AED/year (estimated 250 incidents × 2 hours admin time per incident at 155 AED/hour blended labor cost)

مخاطر الامتثال الضريبي: إصدار الفواتير الإلكترونية والضريبة على القيمة المضافة

5,000–25,000 AED potential FTA penalty (estimated 5–10% of replacement fee revenue if >AED 50M institution; typical fine structure for e-invoicing non-compliance in MENA)

عدم التوازن في رسوم الخسارة: فرص التلاعب والمحاباة

2,000–5,000 AED/year potential undercharge (estimated 250 incidents × 15 AED avg fee variance × 30% error/abuse rate)

تسرب الإيرادات من الغرامات غير المحصلة

خسارة مقدرة: 15-25% من إجمالي إيرادات الغرامات سنوياً (متوسط مؤسسة متوسطة الحجم: 50,000-150,000 درهم إماراتي سنوياً)

الاختناقات اليدوية في إدارة الغرامات والرسوم

خسارة مقدرة: 20-40 ساعة/شهر لكل موظف تحصيل (تكلفة سنوية: 10,000-20,000 درهم إماراتي بناءً على راتب 3,000-5,000 درهم إماراتي شهرياً)

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