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SM ISO690:2012 CLICHICI, Dorina, COLESNICOVA, Tatiana. The impact of macroeconomic factors on non-performing loans in the Republic of Moldova. In: Journal of Financial and Monetary Economics, 2014, nr. 1, pp. 73-78. ISSN 2537-3269. |
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Journal of Financial and Monetary Economics | ||||||
Numărul 1 / 2014 / ISSN 2537-3269 /ISSNe 2392-9685 | ||||||
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JEL: F41, G21, C51 | ||||||
Pag. 73-78 | ||||||
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Rezumat | ||||||
The purpose of this research is to estimate the impact of several macroeconomic variables on nonperforming loans (NPLs) in the banking sector of the Republic of Moldova recently affected by global crisis. Using econometric multivariate linear regression analysis, we conclude that banking NPLs are affected nor only by distinctive features of the banking sector and the policy choices of each bank but also by macroeconomic environment: NPLs increase when GDP, exports, remittances decrease and when unemployment increases, however, our assumption about the relation between NPLs and private indebtedness has not been validated. We observed a substantial increase in the credit risk during the recent financial crisis period. |
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Cuvinte-cheie macroeconomic factors, banking system, nonperforming loans |
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