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BANKING SECTOR: FACILITATOR OR BARRIER

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Banking Sector: Facilitator or Barrier

62, pdf
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Banking Sector: Facilitator or Barrier



Publisher: Institute for Development Research (RIINVEST), Kosovo

Date: 2012

Volume: 62, pdf

Description

This report provides an analysis of the current situation of the banking sector, and the potential impact the banking sector has on economic growth. Previously, many study reports have indicated that due to the market concentration in the banking sector in Kosovo, credit interest rates seem to be the highest in the region. Small and Medium Sized Enterprise (SME) surveys in the past have also indicated that credit interest rates are too high, and one of the main barriers to their business growth. Experts of the banking sector also indicate that interest rates are the highest in the region and potentially unaffordable for SMEs in Kosovo. In this regard, Riinvest Institute with the support of the Kosovo Foundations for Open Society (KFOS) saw the need for a research report as a primary attempt in accomplishing a comprehensive analysis of determinants of credit interest rates in Kosovo, as well as analyze a large variety of potential problems related to difficulties in accessing financial resources offered by commercial banks.