The Microcredit in Albania. An application with a decreasing rate structure as a function of sustainability

This work is essentially composed by two main parts. In the first one is intended to emphasize the disposal of the credit, focusing mainly on the microcredit in Albania. Undoubtly, the portrayal of the argument in a thorough and completely comprehensive manner is not part of this phase of the work, but without doubt it aims to represent the base and to trace a line up to the facts, which show how and at what conditions the families and small sized companies can obtain a credit. The second phase of the work points exactly at the answer of the last mentioned affirmation, precisely at what are the conditions that this credit is transferred and what are the costs to acquire one. It focuses exceptionally on the structure by maturity, in this case, of the interest rates, planned specifically by expected returns, in order to stimulate the real cost, which hides behind the structure of the rate applied. Furthermore, the application of the rates’ structure sparks apparent reactions inside the reimbursement schedule, under the aspect of the interests or of the capital.