The general belief that some degree of market power in the banking sector was necessary to maintain its market stability, has led many countries into attending policies that implicitly or explicitly limit competition. Such policies have modified the banking market structure raising concerns...

This paper develops a comprehensive framework of the main hypothesis tested whether the private returns to investment in education in Albania are sufficient to provide economic incentives for a high participation rate in post-compulsory schooling. We use cross section data from the Living...