Savings houses in the Republic of Macedonia – financial institutions that collect savings deposits of the population. They can be established as joint stock companies, or as limited liability companies, and domestic legal entities may occur as founders. The minimum founding capital of savings houses is 250,000 euros. The activities carried out by savings houses are very limited and are reduced to the collection of denar savings deposits and the approval of loans to the population. They can also approve loans and enterprises, but only through the mediation of banks. At the end of 1992 In Macedonia, only one savings house works – the postal savings house. In May 1993 The Law on Banks and Savings Houses was adopted, which regulates the establishment, operation and supervision of savings houses. In early 1997 The great scandal with pyramid schemes for saving and illegal work of several savings houses, most of which is the savings house TAT DOO. – Bitola. The collapse of these savings houses leads to the loss of savings deposits of many savers, and also creates great adverse effects on trust in the overall banking system. Immediately after the pro-paste of these savings houses, part of the losses of depositors are compensated by payment of funds from the budget and from the Central Bank, and during 2002. Savers are issued transferable certificates with the opportunity to buy shares and stakes in certain state-owned enterprises, covered by the privatization process. In response to these scandals, in February 1997. The NBRM limits the amount of savings investigative, the savings houses can collect to the level of their founding capital, and the maximum exposure to one debtor is reduced to 10% of the guarantee capital. In July 2000 A new law on banks is adopted, which includes savings houses and since then their status is in the process of re-examination. During 2001 The postal savings house is privatized and transformed into a postal bank. At the end of 2006, a total of 12 savings houses operate in Macedonia, with their participation in the banking sector insignificant, i.e. They participate only with 1.3% in total assets and 2.2% in total credits of the banking system. Lit.: Ljupco Trpeski, Money and Banking, Economic Press, Skopje, 2003, 555-56; Kiki Mangova Ponjvic, Vanco Kargov, 60 years Central Banking in the Republic of Macedonia, National Bank of the Republic of Macedonia, Skopje, 2006, 139-155. D. P.
Original article in Macedonian language Cyrillic alphabet
Кириличен напис ШТЕДИЛНИЦИ ВО РМ