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The Impact of the Interest Rate and the Income of the Households on the Dynamics of Bank Deposits

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

Ovidius University Annals, Economic Sciences Series, 2019, vol. XIX, issue 2, 812-818

Abstract: The purpose of this paper is to use a linear multiple regression model to highlight the relationship between a dependent variable “Population-term deposits in lei (expressed in euros)†and two independent variables “Average total income per household (expressed in euros) and Interest rate at the deposit facility†. The paper is based on the processing and analysis of the statistical data sets between 2004- 2018, also carrying out a dynamic analysis of the term deposits in lei of the households, in relation to the dynamics of the average total incomes on a household and the interest rate at storage facility.

Keywords: bank deposits; average total income per household; interest rate on the deposit facility; multiple linear regression (search for similar items in EconPapers)
JEL-codes: G21 G23 C10 (search for similar items in EconPapers)
Date: 2019
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