The booming lending period and many lenders (16 banks and 21 non-bank financial Institutions in Albania) brought about unprecedented competition in credit markets within Albania. Economists usually view lending and competition favorably, but in Albania resulted in a number of unforeseen non-performing loans. Findings report increased problems of borrower over-indebtedness, reduced loan repayment incentives, and growing debts for lenders 1 . The weakening performance of lenders is due in part to the absence of information sharing in these markets. Because growing numbers of lenders (banks and non-bank financial Institutions in Albania) increase the level of asymmetric information between lenders, credit information systems (often called credit reporting bureaus or credit bureaus) can play a crucial role towards improving credit market performance and, in turn, credit access for the poor. Increases in formal sector lending among the poor have created a need for credit information systems that provide potential lenders with borrower information. Improved screening affects from the system causes the level of non-performing loans to decline. In this paper we will present effects of a credit information system to be implemented in Albania. The weakening performance of lenders is due in part to the absence of information sharing in these markets. Because growing numbers of lenders (banks and non-bank financial Institutions in Albania) increase the level of asymmetric information between lenders, CISs can play a crucial role towards improving credit market performance and, in turn, credit access for the poor.

The booming lending period and many lenders (16 banks and 21 non-bank financial Institutions in Albania) brought about unprecedented competition in credit markets within Albania. Economists usually view lending and competition favorably, but in Albania resulted in a number of unforeseen non-performing loans. Findings report increased problems of borrower over-indebtedness, reduced loan repayment incentives, and growing debts for lenders (Campion 2001; McIntosh and Wydick 2005). The weakening performance of lenders is due in part to the absence of information sharing in these markets. Because growing numbers of lenders (banks and non-bank financial Institutions in Albania) increase the level of asymmetric information between lenders, credit information systems (often called credit reporting bureaus or credit bureaus) can play a crucial role towards improving credit market performance and, in turn, credit access for the poor. Increases in formal sector lending among the poor have created a need for credit information systems that provide potential lenders with borrower information. Improved screening affects from the system causes the level of non-performing loans to decline. In this paper we will present effects of a credit information system to be implemented in Albania.

This paper is the result of the authors’ research and their personal experience during the implementation of New technologies in teaching and learning, as well as the experiences of other colleagues involved in the implementation of the programme. This paper analyzes the benefits that a student (a future teacher) may obtain through the scientific discipline of Educational Technologies. The study is based on the contemporary literature on Educational Technologies and some results of qualitative and quantitative research on the achievements of this programme. Academic, historical and curricular background serves as an introduction to this paper. The author speaks about Educational Technologies with respect to: the reasons for the inclusion of this discipline in the curriculum of the Master’s programme, the reasons that led to the consideration of this proposal during the debate in the context of new developments in schools, reports on the quality of teachers, the possibilities for the electronic evaluation and testing, building skills necessary for teachers, as well as advantages and benefits of this discipline. Realization of the programme is not only associated with achievements, but also challenges that are presented in the paper, and in addition to the presented attitudes and recommendations represent the final part of the research.       Keywords: assessment, Educational Technologies, Information and Communication Technologies, skills, teacher quality -----------------       Članak je rezultat istraživanja i osobnog iskustva autora tijekom provedbe programa Nove tehnologije u poučavanju i učenju te iskustva ostalih kolega uključenih u provedbu programa na sveučilištima u Albaniji. Ovaj rad analizira prednosti koje će student (budući učitelj) dobiti znanstvenom disciplinom Obrazovne tehnologije. Istraživanje se temelji na suvremenoj literaturi o obrazovnim tehnologijama i nekim rezultatima kvalitativnih i kvantitativnih istraživanja o postignućima ovog programa. Akademska, povijesna i kurikulska pozadina služi kao uvod u ovaj rad. Autor govori o predmetuObrazovne tehnologije s obzirom na: razloge za uključivanje ove znanstvene discipline u kurikul magistarskog studija, razloge koji su doveli do razmatranja ovog prijedloga tijekom rasprava u kontekstu novih zbivanja u školi, izvješća o kvaliteti nastavnika, mogućnostima elektroničkog vrednovanja i testiranja, izgradnji vještina neophodnih za nastavnike te prednosti i koristi ove discipline. Realizacija programa nije povezana samo s postignućem, već i izazovima koji su predstavljeni u radu, a koji, uz obrazložene stavove i preporuke, predstavljaju završni dio istraživanja.        Ključne riječi: informacijske i komunikacijske tehnologije, kvaliteta nastavnika, obrazovne tehnologije, vještine, vrednovanje