@article{Bozdo_Koka_2014, title={Il Sistema Bancario di Fronte ai Problemi Economici}, volume={3}, url={http://ecsdev.org/ojs/index.php/ejsd/article/view/113}, DOI={10.14207/ejsd.2014.v3n1p87}, abstractNote={<p><span style="font-family: book antiqua,palatino; font-size: 8pt;"><strong>Abstract<br /></strong>The deteriorating reasons of banking portfolio loans and some necessary measures for the<br />improvement of this situation will be main topics of this article. The corruption in the<br />banking system, is a phenomenon that has passed unobserved, but for our opinion is very<br />often. Non professional loan officers, who lack the essential knowledge of identifying the<br />clients, are common among the Banks of Albania; The new banking system, appears with<br />the old problems of expansion of loan portfolio during 2005-2007,without the bank<br />capacity to manage them and that for sure will be accompanied with influx of many clients<br />with problems. The objective reason is also economic situation of our country and our<br />region that for sure will reflect in quality of loans portfolio;<br />The measures that are important to take are: a reform in banking system for what it<br />concerned structure management in charge of loans giving. The loan officers reward<br />should be connected with quality of portfolio management. Bank of Albania should<br />enforce banks to spend more for training the loan officer. It may organize itself the<br />training courses by raising a training center. It should control on-site banks more<br />frequently. Should pay attention on giving new loans, which will improve gradually the<br />quality of loan portfolio. Despite the situation must not restraint the loan process in bank.<br /></span></p><p><span style="font-family: book antiqua,palatino; font-size: 8pt;"><em>Keywords</em> : Nonperforming loans, loan officer; corruption; financial crisis.</span></p>}, number={1}, journal={European Journal of Sustainable Development}, author={Bozdo, Anila and Koka, Mimoza}, year={2014}, month={Feb.}, pages={87} }