Abstract:
The objective of this article is the comparative analysis of the
banking sector with the non-bank sector of the Republic of Moldova,
by the elucidation of the main trends of development of microfinance
and banking institution in the last five years, as being reflected by the
improvement of all indicators. In this article, the author analyses the
microfinance institutions in Moldova through the financial soundness
indicators (the degree of financial intermediation). In the first part of
the article, the author analyses the main trends in the microfinance
sector compared to the banking sector in recent years, requiring the
implementation of an effective and coherent strategic management
for banking and non- performing strategies and to maintain the
financially stability through appropriate policies administration and risk
management. A very suggestive remark about the author is the
difficult access to finance in Moldova, representing a particular
importance to any economy. In this context, the shocks arising from
the financial and economic crisis have affected both credit supply and
demand as well. Thus, the existence of appropriate strategic policy to
minimize risk in a bank and microfinance institution, condition a
management with a high level of professionalism and quality.
