The influence of internal factors on loan risk management - Case study commercial banks of Kosovo

The main purpose of this study is to empirically analyse key internal factors influencing loan risk management Kosovo’s commercial banks. This research adopts parametric statistics and employs a multilinear regression model. data used for the analysis covers 7 banks 12 years from 2008 2019. dependent variable credit measured by dividing total debt assets. independent variables are size bank, ratio non-performing loans, capital adequacy ratio, debt-to-capital asset management. hypotheses raised in were tested through SPSS software package using quantitative methodology. results obtained multiple linear regressions have shown that positively correlated statistically significant with loans debt-to-equity negatively bank size, adequacy, Considering our results, it can be considered performed very well so far assessing impact risk. findings direct practical implications banking sector Kosovo regarding approach because further enhance effectiveness proper mechanisms regulations minimize exposure.