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The value of loans approved for small and medium businesses increases

2024-10-09 11:29:11Biznes SHKRUAR NGA REDAKSIA VOX

The value of loans approved for small and medium businesses increases

The value of loans received by small and medium-sized businesses reached 188 billion ALL at the end of August. Specifically, almost ALL 58 billion is the total amount of loans received from small businesses and ALL 130 billion is the loan received from medium-sized businesses, that is, out of the total of 188 billion ALL, 69% are loans of medium-sized businesses and 31% of the small ones.

Official statistics from the Bank of Albania show that the total amount of loans received by these enterprises has increased by almost 1.3% compared to July, where the total amount of loans was 185 billion ALL. Loans received by small businesses increased by 2.5%, while those of medium-sized businesses increased by 0.7%.

Small and medium-sized businesses make up 99.8% of active enterprises and also have about 82.1% of employees in the country. Despite the fact that these enterprises make a significant contribution to employment and the Albanian economy as a whole, the value of the loans received is smaller compared to large businesses. This happens because large businesses, despite being smaller in number compared to small and medium-sized enterprises, often apply for loans at much higher values, as they want to make larger investments.

Meanwhile, small and medium-sized enterprises, even though they are larger in number, have a lower percentage of approved loans compared to large businesses. This is also because banks perceive them with a higher degree of risk.

Regarding the type of loan, small and medium-sized enterprises have mostly applied for long-term loans over 5 years, while regarding the type of currency, loans received in Lek continue to be dominant.


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