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

• Main Authors: Kamer Ainur Aivaz, Ionela Munteanu Florea, Marioara Mirea
• Format: Article
• Language: English
• Published: Ovidius University Press 2019-01-01
• Series: Ovidius University Annals: Economic Sciences Series
• Subjects: population loans in lei; total average incomes per household; interest rate at the lending facility (lombard); factor variables
• Online Access: http://stec.univ-ovidius.ro/html/anale/RO/wp-content/uploads/2020/02/Section%20III/1.pdf
• ISSN: 2393-3127; 2393-3127

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.