This paper investigates the factors influencing credit growth in Kosovo, focusing on the relationship between credit activity and key economic variables, including GDP, FDI, CPI, and interest rates. Its analysis targets loans issued to businesses and households in Kosovo, employing a VAR model integrated into a VEC model to investigate the determinants of credit growth. The findings were validated using OLS regression. Additionally, the study includes a normality test, a model stability test (Inverse Roots AR Characteristic Polynomial), a Granger causality test for short-term relationships, and variance decomposition to analyze variable shocks over time. This research demonstrates that loan growth is primarily driven by its historical values. The VEC model shows that, in the long run, economic growth in Kosovo leads to less credit growth, showing a negative link between it and GDP. Higher interest rates also reduce credit growth, showing another negative link. On the other hand, more foreign direct investment (FDI) increases credit demand, showing a positive link between credit growth and FDI. The results show that loans and inflation (CPI) are positively linked, meaning higher inflation leads to more credit growth. Similarly, more foreign direct investment (FDI) increases credit demand, showing a positive link between FDI and credit growth. In the long term, higher inflation is connected to greater credit growth. In the short term, the VAR model suggests that GDP has a small to moderate effect on loans, while FDI has a slightly negative effect. In the VAR model, interest rates have a mixed effect: one coefficient is positive and the other negative, showing a delayed negative impact on loan growth. CPI has a small and negative effect, indicating little short-term influence on credit growth. The OLS regression supports the VAR results, finding no effect of GDP on loans, a small negative effect from FDI, a strong negative effect from interest rates, and no effect from CPI. This study provides a detailed analysis and adds to the research by showing how macroeconomic factors affect credit growth in Kosovo. The findings offer useful insights for policymakers and researchers about the relationship between these factors and credit activity.

With the continuous deepening of education and teaching reform and the rapid development of information technology, more and more educators have paid attention to the effectiveness of computer teaching in universities, and university teachers have included it in the key topics of educational and teaching activity design. The cooperative teaching model stands out among numerous teaching models with its unique advantages, and has been applied by many teachers in the classroom teaching process, playing an important role in promoting the improvement of teaching efficiency. Teachers of computer science in universities should continue to explore effective teaching methods, accelerate the process of organic integration of cooperative teaching models and classroom teaching content, in order to deepen the understanding and cognition of computer knowledge among more students and promote their comprehensive development. This article will study the application strategies of cooperative teaching mode in computer teaching in universities.

With the rapid development of the Internet, it has penetrated into various fields, including music performance teaching. This paper aims to explore the application strategies of the "Internet Plus" teaching mode in the music performance major. Firstly, the problems of traditional music performance teaching and the advantages of Internet technology are analyzed. Then, the basic principles and application strategies of the "Internet Plus" teaching mode are proposed, including the construction of online teaching resources, interaction between teachers and students, and innovation of teaching evaluation. Finally, through case analysis, the application effect of the "Internet Plus" teaching mode in the music performance major is verified. The research results of this paper have certain reference value for the teaching reform and innovation of the music performance major.

Through the research on the communication mode of rural youth e-commerce, the paper puts forward that there are some advantages and many problems in the e-commerce engaged in.

Competition in the telecommunications market has significant benefits and impacts in various fields of society such as education, health and the economy. Therefore, it is key not only to monitor the behavior of the concentration of the telecommunications market but also to forecast it to guarantee an adequate level of competition. This work aims to forecast the Linda index of the telecommunications market based on an ARIMA time series model. To achieve this, we obtain data on traffic, revenue, and access from companies in the telecommunications market over a decade and use them to construct the Linda index. The Linda index allows us to measure the possible existence of oligopoly and the inequality between different market shares. The data is modeled through an ARIMA time series to finally predict the future values of the Linda index. The results show that the Colombian telecommunications market has a slight concentration that can affect the level of competition.