Suchergebnisse

International financial crisis of the last decade had a negative influence in almost all banking system of the world. The difficulties on managing problems brought into consideration that the balance of risk exposure versus return is very difficult to be controlled. Managers of the businesses are working hard to meet liquidity needs and to continue their business which is greatly supported by financial intermediaries. On the other side, banks and their regulators are following risk problems with increased management measures, as stability of financial system was undermined seriously from financial crisis and structural problems in all countries. There are several risks that all kind of businesses are exposed, but in this paper we are focused to credit risk in the banking system, which is counted as 60-70% of total risk exposure. Recently the Albanian economy is having low growth with the banking system suffering from the increase of non- performing loans (NPL). This reflects liquidity and performance problems for businesses with increased risk on financial stability. This paper deals with proof of macroeconomic factors that influence NPL rate for Albania. Verification of these factors can support the proper policies that reduce the NPL level. The analysis includes the comparison of Albanian and Italian data on the trends and factors that affect NPL rate. Albanian Central Bank and government are trying to apply prudent regulations based on analysis of factors driving bad performance. The analysis and findings of this paper is based on existing literature that is applied with a regression model. DOI:10.5901/mjss.2015.v6n1p391

Albania is a Mediterranean country where fruitsand vegetables occupy an important placein the cropping systems practiced by theAlbanian farms but also in the foodconsumption of the population. Today, the fruits and vegetables growers in Albania havelow production capacity and difficulties inselling their products on national and regionalmarket. These poor producers face problems ofhow to produce safe food (World Bank2007), be recognized as producing safe food, identify cost-effective technologies forreducing risk, and be competitive with larger producers with advantage of economies ofscale in compliance with food safety requirements. In enabling the smallholders to remaincompetitive in such a system, new institutional arrangements are required. The new andemerging food system (dominated by domestic urban market and export markets,regional competitiveness, globalization, etc.) with high demands for compliance with foodsafety and traceability disfavor the smallholders due tohigh coordination costs. Theproblem is exacerbated by geographic dispersion, low education, and poor access tocapital and information (Poulton 2005; Humphrey 2005; Rich and Narrod 2005). Themain idea of this paper is that the public-private partnerships can play a key role increating farm to fork linkages that can satisfy the market demands for food safety whileretaining smallholders in the supply chain. Our big question is "how this can be possiblein Albania and which are the rightpolicies to forward this idea?