Credit is an important impellent of economics and promoter of welfare that is the reason why government politics supported credit accessibility to legal and physical persons, which has led to the delayed payments in every business sector. The amounts of crediting in late years has sharply risen, wherewith increases the amount of inhabitants and enterprises, who can't repay their civil liability commitment. It is important to recover commitments to get finance for other investments. The amount of debt recovery is rising in Latvia peripheral economical breakdown that proves demonstrated information in the article about the situation at present. Only in year 2008 banks slacked the speed of lending, but amount of debt recovery is just rising. There was not all civil liability commitment entered that has appeared to legal and physical persons in Latvia, in Register of Debtors. Now when the Credit Register has come to the operation, the situation is clearer than it was before. One of the ways for creditors to return their funds is through court. Between years 2003 and 2008 approximately 11% of plaintiff actions have been satisfied already in court, terminating them. 61% of plaintiff actions have been satisfied with judgment of court. Take a note, that requirements in debt recovery change, as well as the interpretation of the laws and regulations. Whereby the debt collectors change contract regulations unhesitatingly provide positive result in courts.

Non-bank crediting has become popular in Latvia as well as in other European countries due to various economic and social factors. Since the banks in recent years have introduced much stricter lending conditions, non-bank crediting sector has experienced a significant increase not only in Latvia but also in other European and world countries. Non-bank crediting market actively began to develop through a wide promotion of consumer credits in the major mass media; thus, creating human interest in the availability of fast and easy processable credits. Non-bank credit companies without customer deposits have transformed the present credit market, since a number of new players entered the market testing new business and crediting models and providing solutions to credit-challenged customers. The research aim is to study the non-bank consumer crediting trends in Latvia and it employs a monographic descriptive method as well as the methods of analysis and synthesis and graphics. The research results demonstrate that the popularity of non-bank credits is still growing among consumers, since the total amounts of non-bank credits disbursed for the first time have increased by EUR 116.61 million or 33.18% for the period 2012-2015 with distance credits being the most demanded credit type accounting for approximately 40% of all non-bank credits. Non-bank credit market is saturated and there is a fierce competition between non-bank crediting companies in terms of interest rates, crediting conditions and other factors.

The necessity of the research is to determine by the fact in Latvia there is a strong growth in bank credit to the private sector like in several transition countries in Central and Eastern Europe. Its implications for macroeconomic development and financial stability can be ambiguous. The aim of the research is to find possible scenarios for positive credit (to private sector) growth implications for macroeconomic development and financial stability in Latvia. Attainment of the objective comprises analysis of available statistical data about Latvia, identification of factors affecting bank credit growth following up some recent researches and modelling scenarios how the credit growth could facilitate further economic development in Latvia. This paper presents only recent trends in bank credit to the private sector in Latvia and evaluates some of the factors affecting these trends. It does not provide updated practical models and scenarios because the research has been started only recently.

Rural tourism is becoming more and more important in Latvia and Europe, where rural environment changes, began already more than a couple of decennaries ago. Current trends in development of tourism are favourable for lasting development of rural tourism in the whole European Union. Rural tourim in Latvia extremely popular, because it includes both recreational and cognitive elements of tourism, and takes place in countryside. It gives people a chance to become acquainted witg a country lifestyle, the process of production and be in touch with nature, be able to obtain strength and take emotional pleasure in the energy of nature. The study course "Rural tourism" is lectures both in Latvia's, and foreign higher educational establishments. This course usually is the free choice study object. The aim of the work is to observe study course "Rural tourism" aims and describe the content of this study course in higher educational establishments in Baltic States and North Europe.

The present study analyses the income, saving and saving gap among agricultural households (HHs) to understand their investment behaviour, using the data obtained from the NABARD All India Rural Financial Inclusion Survey (NAFIS) 2016-17, which was conducted by the National Bank for Agriculture and Rural Development (NABARD). The NAFIS had the crop year 2015-16 (kharif and rabi seasons) as the reference year. It covered more than 40,000 households, of which 55% were agricultural HHs and the remaining were non-agricultural HHs. The sample was drawn from all the states, and covered farmers with different size of land holdings. Direct enquiries were made about HHs income, expenditure on food and non-food items including farm inputs, amount deposited in bank and invested in financial and physical assets, outreach of institutional credit, financial inclusion and so on.