The financial system is a set of arrangements and conventions that facilitate the transfer of money from its holders to those who need it. Our study performs an analysis of loans offered by banks to individuals. The loans have been granted, following the requests, both in lei (the national currency of Romania) or in the international currency as well. The analysis is performed based on data provided by the National Bank of Romania and the National Bank Deposit Guarantee Fund of Romania (FGDB) and presents the situation in each county and development region in Romania. Methodologically, in this study there have been rendered as for the period 2002-2019, two aspects: firstly the ratio between loans in national currency compared to loans in international currencies and, secondly, the relationship between accessing and the evolution of loans for houses/ flats in relation to the access and evolution of loans for personal needs, both in the national currency or in the international currency as well. A special analysis showed a clear representation of the way the situation has been treated, for both mentioned aspects, as well as the distribution of the results on the geographical regions of Romania. In this way, the results highlight the differentiated behavior of the population in each geographical region. The present study is only a part of a much more detailed analysis that follows the analysis of the indebtedness of the Romanian population, in which other indicators are also present.
The Coronavirus pandemic has been a challenge for the entire population of the Earth, andthe national administration of the states has experienced difficult times in trying to limit the spread of the new virus. The effects of the pandemic were strongly felt at the economic level, displacing a large part of the population from their jobs, but also at the demographic level, with massive returns to the country of romanians working abroad. The primary objective of the study was to analyze the evolution of the disease rate, calculated by reporting the number of positive tests to the number of tests performed that day. The secondary objective of the study was to highlight the fact that a higher testing capacity will lead to an increase in the number of cases at the state level. The aim of the study was to raise awareness of the need to address responsible behavior in the face of such a challenge. The results of the study identified that in order to understand the real situation it is necessary to analyze the above mentioned rate, as the number of positive tests shows a tendency of direct proportionality with the number of tests performed per day.
Each period features typical aspects regarding investment in a certain field. Home and personal needs purchases by accessing bank loans have become more and more attractive. Our study analyzes this situation of home and personal needs bank loans accessed by the Romanian population in the first six months, January-July 2020. The analysis is made based on the data given by the National Bank of Romania and the National Fund of Deposit Guarantee from Romania. The methodology relied on tracking the two types of loans, for personal needs and homes and on the graphic representation of their distribution. The distribution map based on the two types of credits in counties, expanded regionally and then nationally for every month (January-July) in 2020 offers the bird's eye view upon this situation. The results of the survey follow firstly the attitude differences of the population in Romania regarding accessing home and personal needs loans before and after the Sars CoV 2 pandemic. The Covid 19 pandemic unpredictably influences many Romanians' budgets and implicitly the whole Romanian economic landscape. In each region from Romania there are counties with a high economic potential which go beyond the national ratio. Equally there are counties where the economic potential is lower. This is exactly the reason why we tried to capture in this survey the situation from each county. The incomes of the population influence accessing bank loans, regardless of their type. Because the statistics data have been issued until mid 2020, the situation is not very highly visible, but there is a shaped tendency concerning the orientation of the population towards a certain type of consumption. We intend to continue the survey for the next months of 2020 after this year as well.
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