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Papers by filloreta madani

Research paper thumbnail of ICT Application in the Insurance Industry: Its Impact in Customer Relationship Management

Academic Journal of Interdisciplinary Studies, 2015

Research paper thumbnail of The Role of Insurance Companies in Albanian Economy

Journal of Academic Research in Economics, 2013

Research paper thumbnail of The Life Insurance - How Acceptable are for the Albanians and the Factors Affecting their Level

Academic Journal of Interdisciplinary Studies, 2014

Research paper thumbnail of Bad loans and their influence in the Albanian Economy

Mediterranean Journal of Social Sciences, 2014

Research paper thumbnail of The Development of the Service Sector in Albania and Its Future

Mediterranean Journal of Social Sciences, 2013

Today citizens of the modern world are living in an economy that is increasingly based on service... more Today citizens of the modern world are living in an economy that is increasingly based on services. The service sector is not anymore a minor part of the overall economy, but a major sector adding lots of value to the economy. The service industry represents the fastest growing economic sector. The objective of the paper is to analyze the service sector in Albania for the past few years and compare it with other countries within the European Union and countries in the Balkan area. Most of the work force in Albania is employed in the service sector, marketing numerous types of services to customers such as: food, personal care, entertainment, banking, insurance, transport, consultancy, tourism, office services, professional services, etc. Over the last 20 years, Albania has transformed from an agricultural economy to a service-oriented economy. The service sector in Albania is new and dynamic. Two main services where foreign direct investment is oriented are telecommunications and financial intermediation, 23% and 33% respectively. Telecommunications is the most dynamic service sector in the Albanian economy. The main aim of this research paper is to portray an analytical view of the Albanian service sector, their quality and the future development. The paper will provide information on services which are not well developed and have huge growth potential. The methodology employed in the paper is secondary research of accessible literature, statistic reports for OCED countries, EU countries from Euro stat, World Bank, Albanian Statistics Institute (INSTAT), as well as the Albanian Ministry of Finance and other recognized institutions.

Research paper thumbnail of The Effect Remittances Have on the Living Standards of Albanians and on Country’s GDP

Mediterranean Journal of Social Sciences, 2013

Albania remains one of the countries with the lowest income in Europe. Poverty has forced many pe... more Albania remains one of the countries with the lowest income in Europe. Poverty has forced many people since 1990 to migrate mainly toward Europe in search of a better life. The majority of immigrants have repeatedly sent the savings to their families in Albania. These remittances have significantly improved the Albanians' daily living and simultaneously have a positive impact on the growth of Gross Domestic Product. In recent years, due to the global crisis, there is a decrease in remittances from emigrants and simultaneously an increase in the number of emigrants who are returning home definitely, in order to work and live in Albania. These immigrants, once returned home, are investing their savings mainly in the area of services. In this article we will examine to what extend is the impact of remittances on the lives of Albanians and GDP, as well as factors that have led to an increase or decrease of this impact.

Research paper thumbnail of Tax Evasion and Set Backs of the Shadow Economy in Albania

Mediterranean Journal of Social Sciences, 2014

Research paper thumbnail of THE CONSEQUENCE OF FINANCIAL CRISES IN ALBANIAN INSURANCE MARKET

The Albanian insurance market is not influenced considerably from current financial crisis. Early... more The Albanian insurance market is not influenced considerably from current financial crisis. Early yet phase of development with the very low penetration level explains steadiness of insurance market to exposure influence of global financial crisis. Another factor contributed to stability of insurance market is focusing insurance businesses more on the compulsory insurance segment which is not fully liberalized. Conservative investment policies of Albanian insurers also contributed to avoiding influence of market risks induced by world financial crisis.

Research paper thumbnail of ICT Application in the Insurance Industry: Its Impact in Customer Relationship Management

Academic Journal of Interdisciplinary Studies, 2015

Research paper thumbnail of The Role of Insurance Companies in Albanian Economy

Journal of Academic Research in Economics, 2013

Research paper thumbnail of The Life Insurance - How Acceptable are for the Albanians and the Factors Affecting their Level

Academic Journal of Interdisciplinary Studies, 2014

Research paper thumbnail of Bad loans and their influence in the Albanian Economy

Mediterranean Journal of Social Sciences, 2014

Research paper thumbnail of The Development of the Service Sector in Albania and Its Future

Mediterranean Journal of Social Sciences, 2013

Today citizens of the modern world are living in an economy that is increasingly based on service... more Today citizens of the modern world are living in an economy that is increasingly based on services. The service sector is not anymore a minor part of the overall economy, but a major sector adding lots of value to the economy. The service industry represents the fastest growing economic sector. The objective of the paper is to analyze the service sector in Albania for the past few years and compare it with other countries within the European Union and countries in the Balkan area. Most of the work force in Albania is employed in the service sector, marketing numerous types of services to customers such as: food, personal care, entertainment, banking, insurance, transport, consultancy, tourism, office services, professional services, etc. Over the last 20 years, Albania has transformed from an agricultural economy to a service-oriented economy. The service sector in Albania is new and dynamic. Two main services where foreign direct investment is oriented are telecommunications and financial intermediation, 23% and 33% respectively. Telecommunications is the most dynamic service sector in the Albanian economy. The main aim of this research paper is to portray an analytical view of the Albanian service sector, their quality and the future development. The paper will provide information on services which are not well developed and have huge growth potential. The methodology employed in the paper is secondary research of accessible literature, statistic reports for OCED countries, EU countries from Euro stat, World Bank, Albanian Statistics Institute (INSTAT), as well as the Albanian Ministry of Finance and other recognized institutions.

Research paper thumbnail of The Effect Remittances Have on the Living Standards of Albanians and on Country’s GDP

Mediterranean Journal of Social Sciences, 2013

Albania remains one of the countries with the lowest income in Europe. Poverty has forced many pe... more Albania remains one of the countries with the lowest income in Europe. Poverty has forced many people since 1990 to migrate mainly toward Europe in search of a better life. The majority of immigrants have repeatedly sent the savings to their families in Albania. These remittances have significantly improved the Albanians' daily living and simultaneously have a positive impact on the growth of Gross Domestic Product. In recent years, due to the global crisis, there is a decrease in remittances from emigrants and simultaneously an increase in the number of emigrants who are returning home definitely, in order to work and live in Albania. These immigrants, once returned home, are investing their savings mainly in the area of services. In this article we will examine to what extend is the impact of remittances on the lives of Albanians and GDP, as well as factors that have led to an increase or decrease of this impact.

Research paper thumbnail of Tax Evasion and Set Backs of the Shadow Economy in Albania

Mediterranean Journal of Social Sciences, 2014

Research paper thumbnail of THE CONSEQUENCE OF FINANCIAL CRISES IN ALBANIAN INSURANCE MARKET

The Albanian insurance market is not influenced considerably from current financial crisis. Early... more The Albanian insurance market is not influenced considerably from current financial crisis. Early yet phase of development with the very low penetration level explains steadiness of insurance market to exposure influence of global financial crisis. Another factor contributed to stability of insurance market is focusing insurance businesses more on the compulsory insurance segment which is not fully liberalized. Conservative investment policies of Albanian insurers also contributed to avoiding influence of market risks induced by world financial crisis.