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.

This study investigated the level of satisfaction among consumers of special tea (Monsonia burkeana) in the Capricorn District Municipality, Limpopo Province, South Africa. It sought to identify the factors that influenced this satisfaction. A total of 225 respondents were selected using snowball sampling, and primary data were collected through structured questionnaires. Descriptive statistics were used to analyse consumer profiles and satisfaction levels, while multinomial logistic regression determined the factors influencing satisfaction across four categories: “Not satisfied at all”, “Satisfied”, “Not sure”, and “Highly satisfied”. The results revealed an average respondent age of 29.95 years and an average annual tea consumption of 4.684 uses, with over 50% of both male and female respondents expressing satisfaction. Regression analysis indicated that market access, cultural influences, income level, and the person introducing the tea significantly influenced dissatisfaction relative to high satisfaction. The income level was the only significant factor distinguishing “Satisfied” from “Highly satisfied”. Gender, age, marital status, and employment type were significant predictors for “Not sure” compared to “Highly satisfied”. These findings highlight the importance of developing the medicinal plant market, promoting cultural education, and implementing sustainable cultivation and conservation practices for Monsonia burkeana. Efforts to improve market access and address income disparities are also necessary to enhance consumer satisfaction and ensure the tea’s continued availability and cultural relevance.