likuidit

Likuidit refers to the degree to which an asset can be converted into cash quickly and without significant loss of value. An asset with high liquidity is one that can be easily and rapidly sold or exchanged for cash. Conversely, an asset with low liquidity is difficult to sell quickly without accepting a substantially lower price than its perceived worth.

In financial markets, assets like cash, checking accounts, and highly traded stocks are considered very liquid. They can be converted to cash almost immediately. Less liquid assets include real estate, private equity investments, and certain collectibles. Selling these assets often involves a more complex process, longer timeframes, and potential price concessions.

Liquidity is a crucial concept for individuals, businesses, and financial institutions. For individuals, having sufficient liquid assets is important for meeting unexpected expenses and managing day-to-day financial obligations. Businesses rely on liquidity to pay suppliers, employees, and operating costs. Financial institutions, such as banks, must maintain adequate liquidity to meet customer withdrawal demands and regulatory requirements.

A lack of liquidity can lead to financial distress, even for entities that are otherwise solvent. If an entity cannot convert its assets into cash when needed, it may be forced to sell assets at a loss or default on its obligations. This is why managing liquidity is a fundamental aspect of financial planning and risk management.