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Study on the Dynamics of Bank Loans According to the Level of the Interest Rate and the Incomes of the Households

Author

Listed:
  • Kamer Ainur Aivaz

    (“Ovidius†University of Constanta)

  • Ionela Munteanu Florea

    (Bucharest University of Economics Studies)

  • Marioara Mirea

    (“Ovidius†University of Constanta)

Abstract

In this paper we have deepened the analysis, opting for the use of statistical-econometric models, more precisely a multifactorial regression model that uses as explanatory variables "Population-Loans in lei (expressed in euros)" as a dependent variable and "Average total income per household (expressed in euros) and Interest rate on lending facility (Lombard)" as factor variables. In this study we opted for a multifactorial regression model that represents a generalization of the simple linear regression model, which is based on the processing and analysis of the statistical data sets during 2004-2018.

Suggested Citation

  • Kamer Ainur Aivaz & Ionela Munteanu Florea & Marioara Mirea, 2019. "Study on the Dynamics of Bank Loans According to the Level of the Interest Rate and the Incomes of the Households," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, vol. 0(2), pages 213-218, December.
    • Handle: RePEc:ovi:oviste:v:xix:y:2019:i:2:p:213-218
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    More about this item

    Keywords

    population loans in lei; total average incomes per household; interest rate at the lending facility (lombard); factor variables;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • C10 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - General

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