Monthly Archives - February 2024

How do changes in interest rates affect the profitability of the bank and citizens and businesses?

The banking industry includes not only commercial banks (as we have them in Albania), but mainly investment banks, microcredit financial institutions (not banks) and pension and insurance companies[1]. All banks have large cash holdings. They hold a small amount...

Promotion or credit agency for Albanian export?

The government's main motivation must obviously be to stimulate exports which otherwise means doing homework that should have been done long ago. The whole approach to stimulate exports is the objective of their growth, to have economic and industrial benefits related...

How prepared are Albanians for the problems of replacing one payment system with another more advanced one?

Physical currencies have been the mode of economic transaction for thousands of years. Today, payment systems are becoming increasingly cashless. In the European Union (EU), one in five of all daily purchases in 2022 were made online and one third...

ALTAX presents the research that answers the question of who is responsible for the fight against informality in Albania and how is it being fought?

Focusing on the need for effective governance to directly support the business climate and inclusive governance approach is the ultimate aim of the research material "Who has the duty to fight informality and how are they fighting it?" (alb.) The...

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