Author(s): Qazim TMAVA, Shefket JAKUPI

Abstract: Interest rates in savings, lending as well as interest rate spread, for years has been the topic of debate in many developed and developing countries. Interest rates in Western Balkan Countries, due to major structural, political and economic changes have incited debate within academics, businesses, households, public and even state agencies. Therefore, in this paper we aim to shed light on interest rates of deposits, loans as well astheir spread in WBC, with a special focus in Kosovo.

Keywords: Interest rate, deposits, lending, interest rate spread, non-performing loans.

DOI: 10.22161/ijels.4.1.4