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OVERVIEW OF CREDIT ACTIVITY IN ALBANIA

Klejda Gabeshi ()
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Klejda Gabeshi: University of Craiova, Romania

Scientific Bulletin - Economic Sciences, 2019, vol. 18, issue 3, 77-82

Abstract: The dominant component of the Albanian financial system is the banking sector, whose activity is transparent and leads to an efficient market economy. The mission of a performing banking system is to allocate the capital exclusively in profitable projects, to facilitate the best functioning of the lending activity, helping to improve the rational distribution of resources between different entities. The purpose of this paper is to provide a comprehensive statement of the most recent credit developments in Albania, in order to determine if banks, with their role as financial intermediaries, can help stimulate economic growth. Loans compose the majority of the Albanian banking system assets. In the last years, loan portfolio quality has been significantly deteriorated, which can be easily understood from the increase in non-performing loans. The methodology used in this article is a quantitative and qualitative analysis of credit data provided by the Albanian banking system, the identification of factors that can boost credit growth in conditions of its significant slowdown and the study on lending performance and progress, in comparison with different countries in the region.

Keywords: Banking system; Credit activity; Lending performance. (search for similar items in EconPapers)
JEL-codes: C10 G21 (search for similar items in EconPapers)
Date: 2019
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