The purpose of this paper is to analyse the issues and concerns of Albanian rural credit, which is a powerful tool for enhancing production and productivity and for poverty alleviation. Further it highlights some of the strategies adopted by the Albanian government to increase the rural credit facilities in the rural area of Albania. The various problems faced by the farmers in applying for loans are analysed in detail. Rural credits serve as a tool for providing a sustainable livelihood for people who lives in these areas. Several organisations and Microfinance Institutions,. are playing a major role in providing rural credit facilities to rural Albania. to make the rural credit facilities available to most of the needy. In spite of several efforts put up by various organisations to increase the rural credit facilities, several challenges will prevail in the years to come.These aspects of the financial sector remain undervalued in mainstream literature on rural credit. With Albania being a nation in which more than 40 percent of people live in rural areas and rural credit being a powerful, and the only, tool for rural people in providing a means of livelihood, its importance and potential should be known to each individual.

ABSTRACT. Hepatitis B virus (HBV) is the infectious agent of both acute and chronic hepatitis. HBV exists in multiple genotypic variants that differ in their capacity to become persistent chronic infections and in their clinical manifestations, including hepatocellular carcinoma. The 8 genotypes (A-H) of HBV show a specific worldwide geographic distribution and are correlated with different disease course, severity, and response to therapy. We isolated DNA from 75 HBV-positive blood donors, chosen randomly from the database of the National Blood Bank in Tirana, to specifically analyze the UGT1A1 polymorphism to determine its correlations with bilirubin levels and liver function. The large number of subjects who were HBV-positive carriers of 5222 E. Marku et al. ©FUNPEC-RP www.funpecrp.com.br Genetics and Molecular Research 14 (2): 5221-5228 (2015) heterozygosis or homozygosis for the UGT1A1*28 (TA) 7 polymorphism suggests that these individuals may be more susceptible to cancer and should follow a strict regime of prevention.

This paper analyzes long-run equilibrium of "house price index" in Tirana (the capital city of Albania) achieved by the long-run performance of macroeconomic factors.We have used the techniques and analysis of linear multiple regression by VECM (vector error correction model), to identify endogenous factors, that effect the stability of "house price index". The analyze is based on data series 2010-2018 (with 3-month frequency), with independent variables: mortgage loan, interest rate on long-term loans, construction cost index, EUR/ALL exchange rate, house price index with lag(1).We conclude that all these independent variable (expect EUR/ALL exchange rate) are statistically significant, in long-run equilibrium and in the elasticity assessment of "house price index".