{"id":6186,"date":"2012-02-28T12:03:12","date_gmt":"2012-02-28T12:03:12","guid":{"rendered":""},"modified":"2012-02-28T12:03:12","modified_gmt":"2012-02-28T12:03:12","slug":"kredia-per-individet-sipas-qellimit","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6186","title":{"rendered":"Kredia p\u00ebr Individ\u00ebt Sipas Q\u00ebllimit"},"content":{"rendered":"<div style=\"text-align: justify;\">\n<p>Open Data Albania ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb viteve t\u00eb fundit, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. <\/p>\n<p>Lloji i kredis\u00eb sipas q\u00ebllimit \u00ebsht\u00eb ndar\u00eb n\u00eb kategorit\u00eb: pasuri t\u00eb paluajtshme, mallra t\u00eb q\u00ebndrueshme, mallra jo t\u00eb q\u00ebndrueshme, ushtrim aktiviteti dhe overdraft. <\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; Pasuria e paluajtshme p\u00ebrfaqson kredit\u00eb p\u00ebr blerjen e banesave dhe tokave.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; Mallrat e q\u00ebndrueshme p\u00ebrfaqsojn\u00eb blerjen e mallrave afatgjat\u00eb si psh: autoveturat dhe mobiljet.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; Mallrat jo t\u00eb q\u00ebndrueshme p\u00ebrfaqsojn\u00eb marrjen e kredive konsumatore, psh: kredi p\u00ebr pushime, apo shkollim.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; Ushtrimi i aktivitetit p\u00ebrfaqson marrjen e kredis\u00eb p\u00ebr hapjen e bizneseve private.<\/p>\n<p>\u2022&nbsp;&nbsp;&nbsp; Overdrafti \u00ebsht\u00eb nj\u00eb kredi afatshkurt\u00ebr mbi llogarin\u00eb rrjedh\u00ebse.<\/p>\n<p>Nga t\u00eb dh\u00ebnat e vitit 2011 (deri n\u00eb fund t\u00eb muajit janar), rezulton se kredidh\u00ebnia bankare sipas q\u00ebllimit paraqitet si m\u00eb posht\u00eb:<\/p>\n<p><img border=\"0\" alt=\"\" src=\"\/uploadserise\/foto\/krediaPerInvestimet.gif\" \/> <br \/><sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>Analiza dhe Komentet: ODA<\/sup><\/p>\n<p>Sikurse mund t\u00eb shihet edhe nga grafiku, pjesa m\u00eb e madhe e kredis\u00eb ndaj individ\u00ebve \u00ebsht\u00eb dh\u00ebn\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme (100.6 miliard\u00eb lek), e ndjekur nga blerja e mallrave jo t\u00eb q\u00ebndrueshme (16.2 miliard\u00eb lek), kredia p\u00ebr ushtrimin e aktivitetit (11.6 miliard\u00eb lek), blerja e mallrave t\u00eb q\u00ebndrueshme (7.7 miliard\u00eb lek) dhe overdrafti (6.1 miliard\u00eb lek). <\/p>\n<p>Konkretisht, e ndar\u00eb sipas peshave n\u00eb totalin e huadh\u00ebnies situata gjat\u00eb viteve paraqitet sipas grafikut:<\/p>\n<p>&nbsp;<img border=\"0\" alt=\"\" src=\"\/uploadserise\/foto\/krediaPerInvestimet2.gif\" \/><\/p>\n<p><sup>Burimi: Banka e Shqip\u00ebris\u00eb<br \/>Analiza dhe Komentet: ODA<\/sup><\/p>\n<p>N\u00eb vitin 2011, n\u00eb totalin e kredidh\u00ebnies t\u00eb sistemit bankar, pasuria e paluajtshme z\u00eb rreth 70.7%, blerja e mallrave jo t\u00eb q\u00ebndrueshme rreth 11.4%, ushtrimi i aktivitetit 8.1%, mallrat e q\u00ebndrueshme 5.4% dhe overdrafti 4.3%. Gjat\u00eb viteve t\u00eb fundit, vihet re nj\u00eb rritje e pesh\u00ebs s\u00eb kredive p\u00ebr blerjen e pasurive t\u00eb paluajtshme dhe t\u00eb mallrave jo t\u00eb q\u00ebndrueshme, dhe nj\u00eb ulje e pesh\u00eb s\u00eb kredive p\u00ebr ushtrim aktiviteti dhe blerjen e mallrave t\u00eb q\u00ebndrueshme.<\/p>\n<p><\/p>\n<p> \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb viteve t\u00eb fundit, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Lloji i kredis\u00eb sipas q\u00ebllimit \u00ebsht\u00eb ndar\u00eb n\u00eb kategorit\u00eb: pasuri t\u00eb paluajtshme, mallra t\u00eb q\u00ebndrueshme, mallra jo t\u00eb q\u00ebndrueshme, ushtrim aktiviteti dhe overdraft. \u2022&nbsp;&nbsp;&nbsp; Pasuria e paluajtshme p\u00ebrfaqson kredit\u00eb p\u00ebr blerjen e banesave dhe tokave. \u2022&nbsp;&nbsp;&nbsp; Mallrat e&hellip; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1BM","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6186"}],"collection":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6186"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6186\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}