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The Impact of Macroeconomic and Banking Factors on Credit Growth in the Albanian Banking System

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  • Ali Shingjergji
  • Marsida Hyseni

Abstract

The aim of this paper is to analyze the influence of some macroeconomic and bankhttp://ejes.euser.org/issues/may-august-2015/Ali.pdfing factors on credit growth in the Albanian banking system. From the literature review is noticed that the credit growth in the banking system is influenced by both macroeconomic and banking factors. We use credit growth as a dependent variable while as independent variables we use: GDP growth, inflation rate, unemployment rate, loan interest rate, capital adequacy ratio, bank size and NPL ratio. The relationship between credit growth and macroeconomic and banking factors was tested by using a regression model like the ordinary least squares (OLS). We take into consideration a period from 2002 - 2013 using quarterly panel data for the whole Albanian banking system with a total of 48 observations per each variable. The regression results find out that the credit growth in the Albanian banking system is positively related to GDP growth, inflation rate and capital adequacy ratio while is negatively related to unemployment rate, interest rate, non performing loans and bank size.

Suggested Citation

  • Ali Shingjergji & Marsida Hyseni, 2015. "The Impact of Macroeconomic and Banking Factors on Credit Growth in the Albanian Banking System," European Journal of Economics and Business Studies Articles, Revistia Research and Publishing, vol. 1, May - Aug.
    • Handle: RePEc:eur:ejesjr:24
    DOI: 10.26417/ejes.v2i1.p113-120
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    More about this item

    Keywords

    banking system; credit growth; macroeconomic factors; banking factors JEL classification: G2; G21;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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