The decline in loan interest rates is clearly visible in all sectors, including loans to the agricultural sector, where the interest rate decreased to 7.5 per cent, compared to 16.7 per cent five years ago; for the industrial sector, interest rates decreased to 5.8 per cent, compared to 12.2 per cent in the past; and also for the service sector, the average interest rate decreased to 6.3 per cent, compared to 11.1 per cent five years ago.
Faqe 2 nga 5  Improvement of the conditions for access to banking financing has also been noted with regard to other aspects, such as easing loan approval standards, reducing collateral requirements, and extending the loan maturity term.