Presenter Information

Agnesa KrasniqiFollow

Session

Management, Business and Economics

Description

Non-performing loans can be the result of a lack of sound lending policies, as well as a lack of sound credit judgment by management when approving loans. In addition to the bank's internal factors, the macroeconomic environment of a country can also affect the NPL. The NPL can be affected by the GDP of that country, then unemployment, inflation, etc. The purpose of this research is to extract the impact of macroeconomic indicators such as GDP, unemployment and inflation on non-performing loans of each country in the Balkan Peninsula.

The research was conducted through multivariate regression, whereas dependent variable we have non-performing loans (NPL) and as independent variables we have Gross Domestic Product (GDP), Unemployment and Inflation. Based on the linear regression model, it is found that two variables have a negative impact, while one is positive, while in terms of the significant, two variables are more significant than one..

Keywords:

Macroeconomic indicators, NPL, GDP, Inflation, Unemployment.

Proceedings Editor

Edmond Hajrizi

ISBN

978-9951-550-47-5

Location

UBT Kampus, Lipjan

Start Date

30-10-2021 12:00 AM

End Date

30-10-2021 12:00 AM

DOI

10.33107/ubt-ic.2021.531

Included in

Business Commons

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Oct 30th, 12:00 AM Oct 30th, 12:00 AM

Impact of macroeconomic indicators on non-performing loans in the Balkan countries

UBT Kampus, Lipjan

Non-performing loans can be the result of a lack of sound lending policies, as well as a lack of sound credit judgment by management when approving loans. In addition to the bank's internal factors, the macroeconomic environment of a country can also affect the NPL. The NPL can be affected by the GDP of that country, then unemployment, inflation, etc. The purpose of this research is to extract the impact of macroeconomic indicators such as GDP, unemployment and inflation on non-performing loans of each country in the Balkan Peninsula.

The research was conducted through multivariate regression, whereas dependent variable we have non-performing loans (NPL) and as independent variables we have Gross Domestic Product (GDP), Unemployment and Inflation. Based on the linear regression model, it is found that two variables have a negative impact, while one is positive, while in terms of the significant, two variables are more significant than one..