E31 Has your company applied for a loan from a bank in the past 12 months?
Economy Yes No DK/refuse
Balkan Barometer 2022
Region 22 73 5
Albania 32 68 0
Bosnia and
Herzegovina
17 74 9
Croatia n/a n/a n/a
Kosovo* 59 39 1
North Macedonia 13 82 5
Montenegro 21 68 12
Serbia 18 77 5
Balkan Barometer 2021
Region 28 70 3
Albania 52 46 3
Bosnia and
Herzegovina
28 70 2
Croatia n/a n/a n/a
Kosovo* 22 77 2
North Macedonia 22 76 3
Montenegro 28 65 8
Serbia 15 84 2
Balkan Barometer 2020
Region 29 69 2
Albania 18 81 1
Bosnia and
Herzegovina
50 49 1
Croatia n/a n/a n/a
Kosovo* 29 64 8
North Macedonia 18 82 0
Montenegro 27 67 5
Serbia 27 71 2
Balkan Barometer 2019
Region 27 68 5
Albania 16 74 10
Bosnia and
Herzegovina
43 53 3
Croatia n/a n/a n/a
Kosovo* 19 76 5
North Macedonia 21 78 1
Montenegro 37 60 3
Serbia 25 70 5

 

E31a How many days did it take to agree the loan with the bank from the date of application?
Economy Up to 7 days 8 - 14 days 15 - 20 days Over 21 days The loan was not approved DK/refuse
Balkan Barometer 2022
Region 12 22 17 16 19 14
Albania 9 8 38 41 5 0
Bosnia and
Herzegovina
12 3 15 9 26 35
Croatia n/a n/a n/a n/a n/a n/a
Kosovo* 10 68 12 8 1 1
North Macedonia 12 19 31 12 4 23
Montenegro 12 20 15 2 27 24
Serbia 14 14 8 11 36 17
Balkan Barometer 2021
Region 14 15 22 15 14 20
Albania 17 27 31 15 1 10
Bosnia and
Herzegovina
11 9 27 18 18 18
Croatia n/a n/a n/a n/a n/a n/a
Kosovo* 16 7 2 11 25 39
North Macedonia 21 14 14 12 21 19
Montenegro 7 9 22 18 22 22
Serbia 7 10 27 20 7 30

 

E03 Has your company taken a loan from a bank in the past 12 months?
Economy Yes No DK/refuse
Balkan Barometer 2018
Region 30 68 2
Albania 26 74 0
Bosnia and
Herzegovina
45 53 2
Croatia n/a n/a n/a
Kosovo* 19 79 3
North Macedonia 20 77 4
Montenegro 43 56 1
Serbia 28 69 2
Balkan Barometer 2017
Region 31 67 2
Albania 31 70 0
Bosnia and
Herzegovina
45 54 1
Croatia 28 70 2
Kosovo* 15 82 3
North Macedonia 23 74 3
Montenegro 44 52 3
Serbia 34 65 1
Balkan Barometer 2016
Region 34 63 2
Albania 22 77 0
Bosnia and
Herzegovina
49 49 2
Croatia 30 69 1
Kosovo* 19 75 7
North Macedonia 25 73 3
Montenegro 40 52 7
Serbia 41 55 4
Balkan Barometer 2015
Region 40 57 2
Albania 33 68 0
Bosnia and
Herzegovina
41 58 2
Croatia 55 45  
Kosovo* 41 55 5
North Macedonia 17 80 3
Montenegro 32 65 3
Serbia 29 65 6