Ovidius University Annals: Economic Sciences Series (Jan 2019)

Study on the Dynamics of Bank Loans According to the Level of the Interest Rate and the Incomes of the Households

  • Kamer Ainur Aivaz,
  • Ionela Munteanu Florea,
  • Marioara Mirea

Journal volume & issue
Vol. XIX, no. 2
pp. 213 – 218

Abstract

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In this paper we have deepened the analysis, opting for the use of statistical-econometric models, more precisely a multifactorial regression model that uses as explanatory variables "Population-Loans in lei (expressed in euros)" as a dependent variable and "Average total income per household (expressed in euros) and Interest rate on lending facility (Lombard)" as factor variables. In this study we opted for a multifactorial regression model that represents a generalization of the simple linear regression model, which is based on the processing and analysis of the statistical data sets during 2004-2018.

Keywords