Credit Risk in the Banking Sector in Kosovo

Muhamet Aliu (), Faton Ramadani (), Yllka Ahmeti (), Arben Sahiti () and Arbana Sahiti ()
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Muhamet Aliu: University of Prishtina
Faton Ramadani: University of Prishtina
Yllka Ahmeti: University of Prishtina
Arben Sahiti: University Kadri Zeka Gjilan
Arbana Sahiti: University of Prishtinë

EuroEconomica, 2017, issue 1(36), 59-77

Abstract: Loans make up the bulk of a bank’s assets, and thus credit risk is the most significant risk for commercial banks in Kosovo and throughout the world. Despite its complexity, effective management of credit risk is a prerequisite for the success of a bank and the banking system in general. A special role in this aspect is played by the separation of reserves to cover the risk of failure to repay the loan or in cases of nonfulfilment of contractual obligations by the loan recipient. Therefore, this research aims to address this issue and analyses the credit risk management of the banking system of the Republic of Kosovo in general and the effects of separation of reserves for loan losses in particular.

Keywords: Loan; interest; risk (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:dug:journl:y:2017:i:1:p:59-77

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