{"id":6193,"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":"vetem-per-luksshqiptaret-70-te-kredive-i-marrin-per-makina-dhe-pushime","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6193","title":{"rendered":"Vet\u00ebm p\u00ebr luks:Shqiptar\u00ebt, 70 % t\u00eb kredive i marrin p\u00ebr makina dhe pushime"},"content":{"rendered":"
Gati 70.7% e kredive q\u00eb japin bankat shqiptare shkojn\u00eb p\u00ebr pasuri t\u00eb patundshme, dhe vet\u00ebm 11.4% p\u00ebr ushtrim t\u00eb aktiviteteve t\u00eb biznesit. Kjo do t\u00eb thot\u00eb se shqiptar\u00ebt jan\u00eb m\u00eb shum\u00eb t\u00eb prirur p\u00ebr t\u00eb marr\u00eb kredi p\u00ebr sht\u00ebpi dhe mjete luksi (makina; mobilie apo pushime), se sa p\u00ebr t\u00eb investuar n\u00eb hapjen e nj\u00eb biznesi privat q\u00eb mund t\u00eb siguroj\u00eb pun\u00ebsim dhe t\u00eb ardhura t\u00eb q\u00ebndrueshme. <\/p>\n

Open Data Albania<\/span>, referuar t\u00eb dh\u00ebnave t\u00eb nxjerra nga Banka e Shqip\u00ebris\u00eb, ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb viteve t\u00eb fundit. 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. Pasuria e paluajtshme p\u00ebrfaq\u00ebson kredit\u00eb p\u00ebr blerjen e banesave dhe tokave; Mallrat e q\u00ebndrueshme p\u00ebrfaq\u00ebsojn\u00eb blerjen e mallrave afatgjat\u00eb si p\u00ebr shembull: autoveturat dhe mobiliet; Mallrat jo t\u00eb q\u00ebndrueshme p\u00ebrfaq\u00ebsojn\u00eb marrjen e kredive konsumatore, p.sh: kredi p\u00ebr pushime, apo shkollim; Ushtrimi i aktivitetit p\u00ebrfaq\u00ebson marrjen e kredis\u00eb p\u00ebr hapjen e bizneseve private; Overdrafti \u00ebsht\u00eb nj\u00eb kredi afatshkurt\u00ebr mbi llogarin\u00eb rrjedh\u00ebse. <\/p>\n

Nga t\u00eb dh\u00ebnat e vitit 2011-t\u00eb, rezulton se kredidh\u00ebnia bankare sipas q\u00ebllimit, n\u00eb pjes\u00ebn m\u00eb t\u00eb madhe t\u00eb 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

Konkretisht, e ndar\u00eb sipas peshave n\u00eb totalin e huadh\u00ebnies situata gjat\u00eb viteve paraqitet e till\u00eb: 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

Investimet e huaja arrijn\u00eb n\u00eb 1.11 miliard\u00eb USD<\/span><\/p>\n

Investimet e huaja direkte n\u00eb Shqip\u00ebri vazhdojn\u00eb t\u00eb jen\u00eb nj\u00eb burim shum\u00eb i r\u00ebnd\u00ebsish\u00ebm i flukseve t\u00eb kapitalit dhe zhvillimi t\u00eb ekonomis\u00eb. Open Data Albania<\/span> ka kryer nj\u00eb hulumtim mbi vler\u00ebn e investimeve t\u00eb huaja direkte n\u00eb Shqip\u00ebri, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb. Investimet e huaja direkte, p\u00ebrfshijn\u00eb investimet e individ\u00ebve dhe institucioneve t\u00eb huaja n\u00eb ekonomin\u00eb vendase, n\u00ebse investimi e b\u00ebn investitorin pronar t\u00eb m\u00eb shum\u00eb se 10% t\u00eb kapitalit t\u00eb nj\u00eb nd\u00ebrmarrje. Vlera e investimeve t\u00eb huaja direkte t\u00eb matura n\u00eb USD ka qen\u00eb e luhatshme gjat\u00eb 20 viteve t\u00eb fundit. N\u00eb fund t\u00eb vitit 2010, vlera e investimeve t\u00eb huaja direkte ka arritur n\u00eb 1.11 miliard\u00eb USD, q\u00eb \u00ebsht\u00eb edhe vlera m\u00eb e madhe e arritur gjat\u00eb periudh\u00ebs s\u00eb analiz\u00ebs. <\/p>\n

Vlera m\u00eb e ul\u00ebt \u00ebsht\u00eb arritur n\u00eb vitin 1999, ku shuma e investimeve t\u00eb huaja direkte ishte vet\u00ebm 41 milion\u00eb USD. Rritja m\u00eb e madhe e investimeve t\u00eb huaja direkte vihet re gjat\u00eb vitit 2000, ku investimet e huaja direkte u rrit\u00ebn me 249%, nd\u00ebrsa ulja m\u00eb e madhe vihet re gjat\u00eb vitit t\u00eb kriz\u00ebs 1997, ku investimet e huaja direkte u ul\u00ebn me 47%. Investimet e huaja direkte, jan\u00eb nj\u00eb tregues i r\u00ebnd\u00ebsish\u00ebm i besimit t\u00eb investitor\u00ebve t\u00eb huaj n\u00eb nj\u00eb vend, dhe ato ulen n\u00eb kushtet e krizave ekonomike dhe politike, dhe rriten n\u00eb kushtet e p\u00ebrmir\u00ebsimit t\u00eb ambientit ekonomik dhe politik.<\/p>\n

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Gati 70.7% e kredive q\u00eb japin bankat shqiptare shkojn\u00eb p\u00ebr pasuri t\u00eb patundshme, dhe vet\u00ebm 11.4% p\u00ebr ushtrim t\u00eb aktiviteteve t\u00eb biznesit. Kjo do t\u00eb thot\u00eb se shqiptar\u00ebt jan\u00eb m\u00eb shum\u00eb t\u00eb prirur p\u00ebr t\u00eb marr\u00eb kredi p\u00ebr sht\u00ebpi dhe mjete luksi (makina; mobilie apo pushime), se sa p\u00ebr t\u00eb investuar n\u00eb hapjen e nj\u00eb biznesi privat q\u00eb mund t\u00eb siguroj\u00eb pun\u00ebsim dhe t\u00eb ardhura… <\/p>\n","protected":false},"author":18,"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":[41],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1BT","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6193"}],"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\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6193"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6193\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6193"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6193"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}