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Title: | The impact of macroeconomic factors on the level of deposits in the banking sector, an empirical analysis in the Western Balkan countries |
Authors: | Morina, Fisnik Osmani, Rufi |
Keywords: | Interest rates -- Balkan Peninsula Banks and banking -- Balkan Peninsula Macroeconomics Bank deposits -- Balkan Peninsula |
Issue Date: | 2019-07 |
Publisher: | Ahmet Gökgöz |
Citation: | Morina, F., & Osmani, R. (2019). The impact of macroeconomic factors on the level of deposits in the banking sector, an empirical analysis in the Western Balkan countries. Journal of Accounting, Finance and Auditing Studies, 5(3), 16-29. |
Abstract: | Purpose: The principal objective of this study is to analyse the impact of macroeconomic factors on the level of deposits in the banking sector in Western Balkan countries. Design/methodology/approach: The impact of macroeconomic factors on the levels of deposits in the countries mentioned will be analyzed through econometric models. With reference to the applied models, the dependent variable will be the level of deposits, whilst the independent variables will be the interest rate on deposits, marginal rates, GDP, inflation and broad money. In order to achieve the research target set, the research will be based on secondary data which will be analyzed through the STATA program. Findings: The interest rate plays a key role in banking systems because it determines the benefits of the difference between the interest rate on loans and the interest rate on deposits. However, exposure to risk is often present because banks provide long-term loans financed by short-term deposits, and this involves the socalled interest rate risk. Practical Implications: One of the most important channels of monetary policy transmission in an economy is interest rates. Macroeconomic factors and the financial sector structure in the economy of a country have a significant impact on determining the interest rate elevation. Originality/Value: The analyzed period (2005-2017) is a compelling period for competent conclusions. |
URI: | https://www.um.edu.mt/library/oar/handle/123456789/44839 |
Appears in Collections: | Journal of Accounting, Finance and Auditing Studies, Volume 5, Issue 3 Journal of Accounting, Finance and Auditing Studies, Volume 5, Issue 3 |
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JAFAS,_5(3)_-_A2.pdf | 360.12 kB | Adobe PDF | View/Open |
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