IDEAS home Printed from https://ideas.repec.org/a/dug/actaec/y2017i6p303-312.html
   My bibliography  Save this article

Interest Rates on Deposits and Loans(Kosovo Banking System 2012-2015)

Author

Listed:
  • Sokol Berisha

    (Insurance Company ?ELSIG)

  • Fatos Haziri

    (FAMA College)

Abstract

Kosovo‘s sluggish economic growth and financial market developments are two main reasons for conducting the analysis of banking system interest rates in Kosovo. It has been always considered that increase in the number of banks will in turn result in higher competitiveness; however this did not happened and the interest rates have only seen increase. As a result of this situation, poor access to loans continues to severely hamper the household and business economic activities in Kosovo. Despite rapid development of banking sector in Kosovo that was built since 2000 and which is considered as one of the most successful ones in Kosovo‘s economy, the impact of micro policies and governmental policies, including the high interest rates, have reflected in sluggishness of entrepreneurial initiatives. Irrespective of a considerable number of banks operating today in Kosovo (10 banks), this sector remains quite concentrated, since around 90% of total assets, more than 88% of deposits and around 80% of loans are concentrated in three largest banks with foreign capital.

Suggested Citation

  • Sokol Berisha & Fatos Haziri, 2017. "Interest Rates on Deposits and Loans(Kosovo Banking System 2012-2015)," Acta Universitatis Danubius. OEconomica, Danubius University of Galati, issue 13(6), pages 303-312, DECEMBER.
    • Handle: RePEc:dug:actaec:y:2017:i:6:p:303-312
    as

    Download full text from publisher

    File URL: http://journals.univ-danubius.ro/index.php/oeconomica/article/view/4205/4330
    Download Restriction: no
    ---><---

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Zogjani, Jeton & Kovaci-Uruci, Fife, 2023. "History and development of the banking sector in Kosovo," MPRA Paper 115930, University Library of Munich, Germany.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:dug:actaec:y:2017:i:6:p:303-312. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Daniela Robu (email available below). General contact details of provider: https://edirc.repec.org/data/fedanro.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.