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Study on the Dynamics of Bank Loans According to the Level of the Interest Rate and the Incomes of the Households

Kamer Ainur Aivaz (), Ionela Munteanu Florea () and Marioara Mirea ()
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Kamer Ainur Aivaz: “Ovidius†University of Constanta
Ionela Munteanu Florea: Bucharest University of Economics Studies
Marioara Mirea: “Ovidius†University of Constanta

Ovidius University Annals, Economic Sciences Series, 2019, vol. XIX, issue 2, 213-218

Abstract: In this paper we have deepened the analysis, opting for the use of statistical-econometric models, more precisely a multifactorial regression model that uses as explanatory variables "Population-Loans in lei (expressed in euros)" as a dependent variable and "Average total income per household (expressed in euros) and Interest rate on lending facility (Lombard)" as factor variables. In this study we opted for a multifactorial regression model that represents a generalization of the simple linear regression model, which is based on the processing and analysis of the statistical data sets during 2004-2018.

Keywords: population loans in lei; total average incomes per household; interest rate at the lending facility (lombard); factor variables (search for similar items in EconPapers)
JEL-codes: G21 G23 C10 (search for similar items in EconPapers)
Date: 2019
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