Author Archives | rahmije.mustafa.topxhiu

Preferences of Private Clients to the Banking Products – Case Study ProCredit Bank

The paper is aimed at researching customer preferences towards products and services, in particular researching preferences of private clients towards products and banking services. The research for preferences towards products and services is conducted based on data from the Central Bank reports on the banking sector, from ProCredit Bank reports that was taken as a case study and survey of private clients of ProCredit Bank.
Special role is dedicated to the factors that influence to consumer’s preferences and their choices, in particular the analysis of the factors that most influence in private clients preferences towards electronic products and services, loans and deposits.
The customer is always aimed at the optimal choice, so he chooses a product or service which prefers and supports financially.

  Preferences of Private Clients to the Banking Products - Case Study ProCredit Bank (629.7 KiB, 1,045 hits)

Posted in Economics, Information Technology, Knowledge Management, Volume VI, Issue no. 4Comments Off on Preferences of Private Clients to the Banking Products – Case Study ProCredit Bank

Current Transfers as the Main Source for Covering Trade Deficit –The Case of Kosovo

The very high trade deficit is one of the main characteristics of the external sector of Kosovo’s economy, which is a similar characteristic that can be found in many developing countries and transition economies.
This paper aims to examine the empirical data regarding the performance of the trade balance of the Republic of Kosovo for a period of seven years, and in turn analyze the field of current transfers, which has historically been the main source of coverage of high trade deficit. In the current account balance of payments two main items are identified: the trade balance and current transfers. The first item shows the deficit and the other one shows the surplus on billions euros. The interest in this study arises from compensatory relation that these two items have. In the first part of this paper the literature review about the trade deficit, trends and trade balance of Kosovo is analyzed; in the second part the unilateral current transfer item is analyzed, with particular emphasis on private transfers and remittances, whereas in the third part the legitimacy of these two items is confronted, the compensation amount and the consequences.

  Current Transfers as the Main Source for Covering Trade Deficit –The Case of Kosovo (793.2 KiB, 753 hits)

Posted in Economics, Information Technology, Knowledge Management, Volume VI, Issue no. 4Comments Off on Current Transfers as the Main Source for Covering Trade Deficit –The Case of Kosovo

Volume II / Issue no. 2

The Informal Economy in Kosovo: Characteristics, Current Trends and Challenges

The informal economy is present in all countries, but its consequences reflect in different countries with different intensity. Types and scale of informal economic activities reflect the specificities of socio-economic context and the integration of the countries into the wider local-regional economy.

The informal economy represents an important potential of labor and incomes, therefore there is a need for better understanding, since on this will depend the direction of the path for safer addressing of this issue.

The first part of the paper defines the concept, causes, consequences and ways of measuring the informal economy, so as to gain a clear understanding of the subject matter.

Under the existing data limitations, some characteristics and estimates are presented regarding the size of the informal economy in Kosovo, with focus on addressing the problems of transition from informal to formal economy. It is challenging exercise, and further research is needed.

  The Informal Economy in Kosovo: Characteristics, Current Trends and Challenges (1.1 MiB, 3,289 hits)

Posted in Economics, Volume II, Issue no. 2Comments Off on The Informal Economy in Kosovo: Characteristics, Current Trends and Challenges