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Credit Risk in the Banking Sector in Kosovo

Author

Listed:
  • Muhamet Aliu

    (University of Prishtina)

  • Faton Ramadani

    (University of Prishtina)

  • Yllka Ahmeti

    (University of Prishtina)

  • Arben Sahiti

    (University Kadri Zeka Gjilan)

  • Arbana Sahiti

    (University of Prishtinë)

Abstract

Loans make up the bulk of a bank’s assets, and thus credit risk is the most significant risk for commercial banks in Kosovo and throughout the world. Despite its complexity, effective management of credit risk is a prerequisite for the success of a bank and the banking system in general. A special role in this aspect is played by the separation of reserves to cover the risk of failure to repay the loan or in cases of nonfulfilment of contractual obligations by the loan recipient. Therefore, this research aims to address this issue and analyses the credit risk management of the banking system of the Republic of Kosovo in general and the effects of separation of reserves for loan losses in particular.

Suggested Citation

  • Muhamet Aliu & Faton Ramadani & Yllka Ahmeti & Arben Sahiti & Arbana Sahiti, 2017. "Credit Risk in the Banking Sector in Kosovo," EuroEconomica, Danubius University of Galati, issue 1(36), pages 59-77, May.
    • Handle: RePEc:dug:journl:y:2017:i:1:p:59-77
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    Keywords

    Loan; interest; risk;
    All these keywords.

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