{"id":8597,"date":"2012-02-28T12:03:12","date_gmt":"2012-02-28T12:03:12","guid":{"rendered":""},"modified":"2012-02-28T12:03:12","modified_gmt":"2012-02-28T12:03:12","slug":"loans-to-individuals-by-purpose-of-use","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=8597&lang=en","title":{"rendered":"Loans to Individuals by Purpose of Use"},"content":{"rendered":"\n<div style=\"text-align: justify;\">Open Data Albania has conducted a research work on personal loans in Albania in the last years, based on data provided from the Bank of Albania.<\/p>\n<p>The types of loans by purpose of use are divided into categories: real estate, durable goods, non-durable goods, perform activities and overdraft.<\/p>\n<p>\u2022 Real estate represents mortgage loans and land acquisition.<br \/>\u2022 Durable goods represent purchase of long-term goods, such as vehicles and furniture.<br \/>\u2022 Non-durable goods represent consumer loans, such as loans for vacation or education.<br \/>\u2022 Perform activities represents taking credit for starting a private business.<br \/>\u2022 Overdraft is a short-term loan on the individual\u2019s current account.<\/p>\n<p>In 2011 (until the end of January), the amounts of personal loans given by banks by purpose of use are as follows:<\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\n\t\"chartType\":\"ColumnChart\",\n\t\"chartName\":\"Chart 1\",\n\t\"dataSourceUrl\":\"https:\/\/docs.google.com\/spreadsheet\/tq?range=A3%3AB8&key=0Agylwmr5tEbVdGlWRzVPWTFoaHlNMzYxa2pucEhDekE&gid=0&headers=-1\",\n\t\"options\":{\"width\":600,\"height\":371,\"title\":\"Personal Loans by Purpose of Use (January 2011)\",\"legend\":\"right\",\"isStacked\":false,\n\t\"hAxis\": {\"title\": 'Year', \"titleTextStyle\": {\"color\": 'red'}},\n\t \"vAxis\": {\"title\": 'Value', \"titleTextStyle\": {\"color\": 'red'}},\n    \"labelPosition\":\"right\",\"is3D\":true,\"hasLabelsColumn\":true,},\n    \"refreshInterval\":5,   \n    }\n  <\/script><br \/><sup>Source: Bank of Albania<br \/>Analysis and comments: ODA<br \/><\/sup><br \/>As it can be seen from the graph, the majority of personal loans are given to individuals for real estate purchase (100.6 billion ALL), followed by non-durable goods purchase (16.2 billion ALL), to perform activities (11.6 billion ALL), durable goods purchase (7.7 billion ALL) and overdraft (6.1 billion ALL).<\/p>\n<p>The shares of the personal loans by purpose of use are shown in the following chart:<br \/>&nbsp;<br \/> <br \/>\n  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\n\t\"chartType\":\"ColumnChart\",\n\t\"chartName\":\"Chart 1\",\n\t\"dataSourceUrl\":\"https:\/\/docs.google.com\/spreadsheet\/tq?range=A23%3AF28&key=0Agylwmr5tEbVdGlWRzVPWTFoaHlNMzYxa2pucEhDekE&gid=0&headers=-1\",\n\t\"options\":{\"width\":600,\"height\":371,\"title\":\"Share of Personal Loans by Purpose of Use\",\"legend\":\"right\",\"isStacked\":false,\n\t\"hAxis\": {\"title\": 'Year', \"titleTextStyle\": {\"color\": 'red'}},\n\t \"vAxis\": {\"title\": 'Value', \"titleTextStyle\": {\"color\": 'red'}},\n    \"labelPosition\":\"right\",\"is3D\":true,\"hasLabelsColumn\":true,},\n    \"refreshInterval\":5,   \n    }\n  <\/script><br \/><sup>Source: Bank of Albania<br \/>Analysis and comments: ODA<\/sup><\/p>\n<p>In 2011, the total of loans given by banks is distributed as follows: real estate accounts for about 70.7%, non-durable goods for 11.4%, perform activities 8.1%, durable goods 5.4% and 4.3% for the overdraft. <\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"chartType\":\"PieChart\",\"chartName\":\"Chart 1\",\"dataSourceUrl\":\"https:\/\/docs.google.com\/spreadsheet\/tq?range=A37%3AB41&key=0Agylwmr5tEbVdGlWRzVPWTFoaHlNMzYxa2pucEhDekE&gid=0&headers=-1\",\"options\":{\"displayAnnotations\":true,\"showTip\":true,\"nonGeoMapColors\":[\"#000000\",\"#cc0000\",\"#00ff00\",\"#ffff00\",\"#3d85c6\",\"#ff00ff\",\"#DD4477\",\"#66AA00\",\"#B82E2E\",\"#316395\"],\"dataMode\":\"markers\",\"maxAlternation\":1,\"pointSize\":\"0\",\"colors\":[\"#3366CC\",\"#DC3912\",\"#FF9900\",\"#DD4477\",\"#DD4477\",\"#0099C6\",\"#DD4477\",\"#66AA00\",\"#B82E2E\",\"#316395\"],\"width\":600,\"smoothLine\":false,\"lineWidth\":\"2\",\"labelPosition\":\"right\",\"is3D\":true,\"hasLabelsColumn\":true,\"wmode\":\"opaque\",\"title\":\"Personal Loans by Purpose of Use in billion ALL (January 2011)\",\"height\":371,\"legend\":\"right\",\"allowCollapse\":true,\"mapType\":\"hybrid\",\"isStacked\":false},\"refreshInterval\":5}\n  <\/script><br \/><sup>Source: Bank of Albania<br \/>Analysis and comments: ODA<br \/><\/sup><br \/>In the last years, an increased share of loans for purchasing real estate and non-durable goods is observed, as well as a reduction of the share of loans to perform activities and to purchase durable goods.<\/p>\n<p>The dataset is presented in the table below:<\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"https:\/\/docs.google.com\/spreadsheet\/tq?range=A51%3AG56&key=0Agylwmr5tEbVdGlWRzVPWTFoaHlNMzYxa2pucEhDekE&gid=0&headers=-1\",\"options\":{\"displayAnnotations\":true,\"showTip\":true,\"dataMode\":\"markers\",\"fontColor\":\"#fff\",\"midColor\":\"#36c\",\"pointSize\":0,\"colors\":[\"#3366CC\",\"#DC3912\",\"#FF9900\",\"#109618\",\"#990099\",\"#0099C6\",\"#DD4477\",\"#66AA00\",\"#B82E2E\",\"#316395\"],\"headerColor\":\"#3d85c6\",\"smoothLine\":false,\"lineWidth\":2,\"maxColor\":\"#222\",\"headerHeight\":40,\"labelPosition\":\"right\",\"is3D\":false,\"fontSize\":\"14px\",\"hasLabelsColumn\":true,\"wmode\":\"opaque\",\"hAxis\":{\"maxAlternation\":1},\"maxDepth\":2,\"allowCollapse\":true,\"minColor\":\"#ccc\",\"mapType\":\"hybrid\",\"width\":550,\"height\":250},\"state\":{},\"chartType\":\"Table\",\"chartName\":\"Chart 1\"}\n  <\/script><br \/><sup>Source: Bank of Albania<br \/>Analysis and comments: ODA<\/sup><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania has conducted a research work on personal loans in Albania in the last years, based on data provided from the Bank of Albania. The types of loans by purpose of use are divided into categories: real estate, durable goods, non-durable goods, perform activities and overdraft. \u2022 Real estate represents mortgage loans and land acquisition.\u2022 Durable goods represent purchase of long-term goods, such&hellip; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[57],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-2eF","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/8597"}],"collection":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8597"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/8597\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}