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The Variance And Trend Of Interest Rate – Case Of Commercial Banks In Kosovo

Author

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  • Fidane Spahija

    (Faculty of Business in finance and accounting courses, University “Haxhi Zeka,” Peja, Kosovo)

Abstract

Today’s debate on the interest rate is characterized by three key issues: the interest rate as a phenomenon, the interest rate as a product of factors (dependent variable), and the interest rate as a policy instrument (independent variable). In this article, the variance in interest rates, as the dependent variable, comes in two statistical sizes: the variance and trend. The interest rates include the price of loans and deposits. The analysis of interest rates on deposits and loan is conducted for non-financial corporation and family economy. This study looks into a statistical analysis, to highlight the variance and trends of interest rates for the period 2004-2013, for deposits and loans in commercial banks in Kosovo. The interest rate is observed at various levels. Is it high, medium or low? Does it explain growth trends, keep constant, or reduce? The trend is observed whether commercial banks maintain, reduce, or increase the interest rate in response to the policy that follows the Central Bank of Kosovo. The data obtained will help to determine the impact of interest rate in the service sector, investment, consumption, and unemployment.

Suggested Citation

  • Fidane Spahija, 2015. "The Variance And Trend Of Interest Rate – Case Of Commercial Banks In Kosovo," CBU International Conference Proceedings, ISE Research Institute, vol. 3(0), pages 007-013, September.
    • Handle: RePEc:aad:iseicj:v:3:y:2015:i:0:p:007-013
    DOI: 10.12955/cbup.v3.577
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    More about this item

    Keywords

    Interest ratedeposits; loans; impact; trends; variances;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G29 - Financial Economics - - Financial Institutions and Services - - - Other

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