The Role of Bank Loans to Agriculture Entities in Kosovo

Ardi Parduzi (), Arbenita Bllaca Kllokoqi () and Jeton Mazllami ()
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Ardi Parduzi: FINCA Kosovo
Arbenita Bllaca Kllokoqi: University of Pristina
Jeton Mazllami: South East European University

A chapter in Economic Recovery, Consolidation, and Sustainable Growth, 2023, pp 373-384 from Springer

Abstract: Abstract This paper explores the role of bank loans in supporting the agricultural entities in Kosovo. Agriculture is a significant sector of the economy in Kosovo, but it faces several challenges, including a lack of access to financing. The study analyses the types of loans available to the agricultural sector and their utilization, including their impact on the growth and development of agricultural entities. The research also evaluates the challenges faced by agricultural entities in accessing bank loans and suggests potential solutions to overcome these challenges. The research will analyse the impact of loans from the banking and microfinance sectors to the agricultural sector and compares it to the percentage of the agriculture sector's contribution to the GDP on the other hand the impact on the number of agricultural enterprises and the number of employees in the sector of agriculture. All data will be analysed in the period of 2010–21. The study also explores the utilization of these loans and their impact on the growth and development of agricultural entities in Kosovo. The findings suggest that while there has been an increase in the number of bank loans disbursed to the agricultural sector, the percentage of the agriculture sector's contribution to the GDP has remained relatively stagnant. Furthermore, the study highlights the challenges faced by agricultural entities in accessing bank loans, including inadequate collateral and high interest rates. The results underscore the need for policymakers and financial institutions to focus on creating a more conducive environment for access to finance for agricultural entities in Kosovo.

Keywords: Agriculture sector; Credit access; Small and medium enterprises (SMEs); Agriculture entities; Agriculture employees (search for similar items in EconPapers)
Date: 2023
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Persistent link: https://EconPapers.repec.org/RePEc:spr:prbchp:978-3-031-42511-0_24

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DOI: 10.1007/978-3-031-42511-0_24

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