Albania has a relatively new financial system, where banking system is the most developed financial service in our country, with a share of 94, 4% of the total financial services. This is a phenomenon of countries with emerging economies, which proves that there is greater reliance on the state economic development of the banking sector, by effecting from the households to the biggest investors and the government.
As in any market, competition is important for the banking sector because, it affects the efficiency and the quality of services offered. Furthermore, competition in banking has also implications for other sectors of the economy. So, higher competition in the banking sector is found to be associated with a faster growth of other sectors of the economy that rely on external financing. The main goal of this paper is to understand the characteristics of competition in our banking system and study the relationship between the level of concentration and competition. We are going to measure the concentration by the "H" indices. The "H" (Herfindaflit) indices is a measure of the level of the concentration of the banking system of a country. A high level of the indices shows a high level of concentration and as a consequence a low level of competition. A low level of the indices shows a low level of concentration which is sign of a banking market with a high competition.
Tourism expenditures are an important indicator for measuring the impact of tourism on a destination. Information taken from the micro data of tourism expenditures, together with other socio-demographic characteristics of visitors, provides important data on the tourist demand for a destination. Visitor costs in combination with other variables can be used to profile the demand for tourist goods and services in the destination area. In this paper, the daily expenses of visitors in the Gjirokastra district of Albania are analysed. The Gjirokastra district is one of the more preferred regions and attracts a considerable number of domestic and foreign visitors, because it offers a diversity tourist attractions and services. For the purposes of this study, a survey of 200 visitors was conducted. The survey results were analysed with descriptive statistics via a cluster analysis. The survey provides detailed data on the daily expenses of visitors, divided into six main categories of a typical travel budget. Through the use of data mining cluster analysis, we identified and analysed the tourists’ daily expenses based on the purpose of their visit to the area of Gjirokaster.
This paper addresses the willingness to pay an additional price for the purchase of organic fruits and vegetables by analyzing the factors that influence consumers in their choice. To carry out this research, we studied consumer behaviour in the Gjirokastra region. At first, through questionnaires, primary quantitative and qualitative data were collected. The data were analyzed through SPSS software version 21. The questionnaire feedback was analyzed with descriptive statistics, and inferential statistics combined with comparative interquartile analysis, for which comparative box plots were used. To evaluate the influence of independent variables on the willingness to pay an additional price for the purchase of organic fruits and vegetables, we used the multivariate linear regression model. Multivariate regression is used for the explanation and prediction of the behaviour or levels of a variable or phenomenon, when one or several other variables, which are thought or proven to be related or influence over it, change to a certain extent or direction. At the end of the paper, it was found that socio-demographic factors have a significant impact on the willingness to pay an additional price for organic products.
The analyse of the changes that have occurred in the population of Gjirokastra District by settlement clearly identified that the migration of the population from the village otherwise known the phenomenon of "rural exodus" is the strongest mechanism that presupposes the "industrial revolution" of nowadays. The demographic consequences of this phenomenon appear in urban population growth and reduce of rural one. In the condition of a low natural growth the source of population growth in cities, is because of the migration of population from the village to urban location, despite of the dinamic of urban settlements. The growth of urban population it will be much higher if it was not the international migration. The statistics in used help to analyze just the migratory movements from the rural area to urban lacation
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