{"id":6212,"date":"2012-02-28T12:03:12","date_gmt":"2012-02-28T12:03:12","guid":{"rendered":""},"modified":"2022-05-06T09:19:32","modified_gmt":"2022-05-06T09:19:32","slug":"kredia-per-bizneset-sipas-qellimit","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6212","title":{"rendered":"Kredia p\u00ebr Bizneset Sipas Q\u00ebllimit"},"content":{"rendered":"

Open Data Albania ka kryer nj\u00eb hulumtim mbi kredidh\u00ebnien e bankave ndaj bizneseve 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

Lloji i kredis\u00eb sipas q\u00ebllimit \u00ebsht\u00eb ndar\u00eb n\u00eb kategorit\u00eb: pasuri t\u00eb paluajtshme, blerje paisjesh, kapital qarkullues dhe overdraft.<\/p>\n

\u2022\u00a0\u00a0\u00a0 Pasuria e paluajtshme p\u00ebrfaqson kredit\u00eb p\u00ebr blerjen e banesave dhe tokave p\u00ebr ushtrimin e aktivitetit t\u00eb biznesit.<\/p>\n

\u2022\u00a0\u00a0\u00a0 Blerjet e paisjeve p\u00ebrfaqsojn\u00eb blerjen e mallrave afatgjat\u00eb si psh: makineri, paisje prodhuese, etj.<\/p>\n

\u2022\u00a0\u00a0\u00a0 Kapitali qarkullues p\u00ebrfaqson mbulimin e aktiveve afatshkurtra p\u00ebrmes kredis\u00eb afatshkurt\u00ebr.<\/p>\n

\u2022\u00a0\u00a0\u00a0 Overdrafti \u00ebsht\u00eb nj\u00eb kredi afatshkurt\u00ebr mbi llogarin\u00eb rrjedh\u00ebse t\u00eb biznesit.<\/p>\n

Nga t\u00eb dh\u00ebnat e vitit 2010 (deri n\u00eb fund t\u00eb muajit n\u00ebntor), rezulton se kredidh\u00ebnia bankare sipas q\u00ebllimit paraqitet si m\u00eb posht\u00eb:<\/p>\n

\"\"<\/span>
\u00a0<\/p>\n

Burimi: Banka e Shqip\u00ebris\u00eb
Analiza dhe Komentet: ODA<\/sup><\/p>\n

Sikurse mund t\u00eb shihet edhe nga grafiku, pjesa m\u00eb e madhe e kredis\u00eb ndaj bizneseve \u00ebsht\u00eb dh\u00ebn\u00eb n\u00eb form\u00eb overdraft-i (105.1 miliard\u00eb lek), e ndjekur nga blerja e paisjeve (88.1 miliard\u00eb lek), kredia p\u00ebr pasuri t\u00eb paluajtshme (76.7 miliard\u00eb lek), dhe kredia p\u00ebr kapitalin qarkullues (53.4 miliard\u00eb lek).<\/p>\n

Konkretisht, e ndar\u00eb sipas peshave n\u00eb totalin e huadh\u00ebnies situata gjat\u00eb viteve paraqitet sipas grafikut:<\/p>\n

\u00a0\"\"<\/p>\n

Burimi: Banka e Shqip\u00ebris\u00eb
Analiza dhe Komentet: ODA<\/sup><\/p>\n

Gjat\u00eb viteve vihet re nj\u00eb rritje e theksuar e kredimarrjes absolute nga ana e biznesit, sidomos n\u00eb form\u00ebn e kredis\u00eb afatshkurt\u00ebr.<\/p>\n

Nj\u00eb tregues tep\u00ebr i r\u00ebnd\u00ebsish\u00ebm p\u00ebr parashikimin e mbar\u00ebvajtjes s\u00eb biznesit, dhe perspektivave t\u00eb zhvillimit, eshte treguesi i kredis\u00eb p\u00ebr blerje paisjesh. Gjat\u00eb viteve t\u00eb fundit, pesha e kredis\u00eb p\u00ebr blerje paisjesh dhe makinerish\u00eb prodhimi ka ardhur n\u00eb zbritje, nga 32.5% n\u00eb 2007, n\u00eb 27.3% n\u00eb 2010. Pra ulja e kredimarrjes p\u00ebr k\u00ebt\u00eb kategori investimesh nga ana e biznesit, \u00ebsht\u00eb nj\u00eb tregues i uljes edhe t\u00eb optimizmit t\u00eb biznesit p\u00ebr investime afatgjata, n\u00eb kuad\u00ebr t\u00eb p\u00ebrmbushjes s\u00eb k\u00ebrkes\u00ebs s\u00eb klient\u00ebve. Nga ana tjet\u00ebr treguesi i kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme ka ardhur n\u00eb rritje (nga 20.6% n\u00eb 2007, n\u00eb 23.7% n\u00eb 2010) gj\u00eb q\u00eb tregon investime m\u00eb t\u00eb m\u00ebdha t\u00eb biznesit n\u00eb nd\u00ebrtesa dhe zyra, me q\u00ebllim zgjerimin e aktivitetit ose shtimin e filialeve.<\/p>\n

N\u00eb total mund t\u00eb thuhet se kredia p\u00ebr investime afatgjata, ka ardhur n\u00eb zbritje, nga 53.15% n\u00eb 2007, n\u00eb 51% n\u00eb 2010, nd\u00ebrkoh\u00eb q\u00eb kredia afatshkurt\u00ebr ka ardhur n\u00eb rritje, nga 46.8% n\u00eb 2007, n\u00eb 49% n\u00eb 2010.<\/p>\n\n\nKomente dhe Analiza: <\/b> Open Data Albania
\nKontribuoi:<\/b> R.E\n