Human capital’s problems in financial intermediaries in Albania and Kosovo

Abstract

Global financial system today is facing numerous difficulties. Negative consequences of the economic crisis are
still present in financial markets around the world. The same situation is also in the Albanian and Kosovo
financial system. Problems faced by this system are numerous. In this paper we will focus on human capital
problems as a key factor for the development of financial intermediaries.  
During this paper we will try to answer the questions: What are the problems of human capital in financial
intermediaries? What motivates human capital to be more efficient in fulfillment of their duties? What are the
reasons for the dismissal of human capital? Should companies invest in training and professional education of
the human capital or not? 
Besides theoretical concepts, this paper will be supported in the analysis of questionnaires completed in the
banking system. Surveys are completed in banks as they are the main representatives of the Albanian and
Kosovo financial intermediaries. 
Another important part of this paper is the audit of human capital. Problems of staff selection, problems with
training, motivation problems and conflicts of interest are issues which should be more emphasis on internal
control. 
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