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Structure Evaluation of Credit to Households from Romania During 2013-2014 Using Anova: Two-Factor with Replication

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  • Mirela Catalina Turkes

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Abstract

This article analyzes the fluctuation of loans to households in Romania, during 2013-2014, according to the changing lending standards and net demand volume, using two major currencies as reference - Ron and Euro. Anova Two - Factor with Replication is the ideal model to highlight significant differences occurred between the amount of loans, both currencies (EUR and USD) and the period in which they were granted to population. The results of this analysis showed that there is a strong link between the amount of credit, the currency and the period in which the various types of loans were granted to population, due to changes in credit standards, the volume of net demand and credit terms.

Suggested Citation

  • Mirela Catalina Turkes, 2015. "Structure Evaluation of Credit to Households from Romania During 2013-2014 Using Anova: Two-Factor with Replication," Knowledge Horizons - Economics, Faculty of Finance, Banking and Accountancy Bucharest,"Dimitrie Cantemir" Christian University Bucharest, vol. 7(2), pages 176-181, June.
  • Handle: RePEc:khe:journl:v:7:y:2015:i:2:p:176-181
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    File URL: http://orizonturi.ucdc.ro/arhiva/khe7nr2/Turkes.pdf
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    File URL: http://orizonturi.ucdc.ro/arhiva/khe7nr2/Turkes.pdf
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    More about this item

    Keywords

    ANOVA; amount of credit; loans to households; crediting period; bank lending standards;

    JEL classification:

    • M31 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Marketing
    • M37 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Marketing and Advertising - - - Advertising
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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