{"id":6661,"date":"2013-04-24T12:45:31","date_gmt":"2013-04-24T12:45:31","guid":{"rendered":""},"modified":"2013-04-24T12:45:31","modified_gmt":"2013-04-24T12:45:31","slug":"kriza-i-shtyn-shqiptaret-te-investojne-ne-pasuri-te-patundshme-por-jo-te-hapin-biznese","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6661","title":{"rendered":"Kriza i shtyn shqiptar\u00ebt t\u00eb investojn\u00eb n\u00eb pasuri t\u00eb patundshme, por jo t\u00eb hapin biznese"},"content":{"rendered":"
Gjat\u00eb vitit 2012 pjesa m\u00eb e madhe e kredive t\u00eb t\u00ebrhequra nga shqiptar\u00ebt jan\u00eb p\u00ebrdorur p\u00ebr t\u00eb bler\u00eb pasuri t\u00eb paluajtshme. Nj\u00eb raport i fundit q\u00eb flet p\u00ebr q\u00ebllimin e marrjes s\u00eb kredive gjat\u00eb vitit 2012, nxjerr n\u00eb pah se shumica e kredive t\u00eb k\u00ebrkuara gjat\u00eb vitit q\u00eb lam\u00eb pas kan\u00eb shkuar p\u00ebr blerjen e sht\u00ebpive; makinave; si dhe p\u00ebr pushime apo p\u00ebr arsim. Nd\u00ebrsa shum\u00eb pak kredi jan\u00eb k\u00ebrkuar p\u00ebr ushtrim aktiviteti (hapjen e bizneseve t\u00eb reja), ndryshe nga 2011-ta ku kjo lloj kredie q\u00ebndronte m\u00eb lart.<\/span>\n<\/div>\n
\n<\/div>\n
Kredia p\u00ebr Individ\u00ebt<\/b>\n<\/div>\n
\n<\/div>\n
Studimi i kryer nga Open Data Albania<\/b><\/span> \u00ebsht\u00eb bazuar n\u00eb t\u00eb dh\u00ebna t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb mbi kredidh\u00ebnien e bankave ndaj individ\u00ebve n\u00eb Shqip\u00ebri gjat\u00eb vitit 2012. 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. K\u00ebshtu nga t\u00eb dh\u00ebnat e vitit 2012 (deri n\u00eb fund t\u00eb muajit dhjetor), rezulton se pjesa m\u00eb e madhe e kredis\u00eb ndaj individ\u00ebve \u00ebsht\u00eb dh\u00ebn\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme (100.4 miliard\u00eb lek), e ndjekur nga blerja e mallrave jo t\u00eb q\u00ebndrueshme (17.3 miliard\u00eb lek), kredia p\u00ebr ushtrimin e aktivitetit (6.8 miliard\u00eb lek), blerja e mallrave t\u00eb q\u00ebndrueshme (8.7 miliard\u00eb lek) dhe overdrafti (8.6 miliard\u00eb lek).\n<\/div>\n
\n<\/div>\n
Kredia p\u00ebr biznes<\/b>\n<\/div>\n
\n<\/div>\n
Krahasuar me vitin 2011, vihet re nj\u00eb ulje e kredis\u00eb p\u00ebr ushtrim aktiviteti, dhe rritje e pesh\u00ebs s\u00eb kredis\u00eb p\u00ebr overdraft dhe blerje mallrash t\u00eb q\u00ebndrueshme. Gjithashtu nj\u00eb tjet\u00ebr e dh\u00ebn\u00eb e r\u00ebnd\u00ebsishme \u00ebsht\u00eb se rreth 54% e totalit t\u00eb kredis\u00eb t\u00eb dh\u00ebn\u00eb ndaj individ\u00ebve \u00ebsht\u00eb n\u00eb Euro, dhe 45% n\u00eb Lek (pjesa tjet\u00ebr \u00ebsht\u00eb n\u00eb Usd dhe monedha t\u00eb tjera). Kjo tregon p\u00ebr nj\u00eb shkuarjen e ekonomis\u00eb drejt euros, dhe rritjen e var\u00ebsis\u00eb ndaj monedh\u00ebs s\u00eb p\u00ebrbashk\u00ebt evropiane.\n<\/div>\n
\n<\/div>\n
Kredit\u00eb e k\u00ebqija<\/b>\n<\/div>\n
\n<\/div>\n
Lidhur me kthimin e kredive, situata e vitit 2012 vjen paksa problematike, pasi numri i kredive t\u00eb k\u00ebqija ka qen\u00eb tep\u00ebr i lart\u00eb n\u00eb nivelin mbi 22%, i pranuar edhe nga vet\u00eb guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb Ardian Fullani, pak dit\u00eb m\u00eb par\u00eb nd\u00ebrsa b\u00ebri prezantimin e raportit vjetor t\u00eb BSH-s\u00eb p\u00ebr vitin 2012. Nd\u00ebrkoh\u00eb q\u00eb u rrit\u00ebn fondet rezerv\u00eb nga sistemi bankar n\u00eb nivelin 31 %, p\u00ebr p\u00ebrballimin e humbjeve t\u00eb mundshme nga rreziku i kredis\u00eb.\n<\/div>\n
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Parashikimet p\u00ebr 2013-\u00ebn<\/b>\n<\/div>\n
\n<\/div>\n
Nd\u00ebrsa sa i p\u00ebrket tremujorit t\u00eb par\u00eb t\u00eb vitit 2013 n\u00eb nj\u00eb analiz\u00eb t\u00eb fundit t\u00eb saj BSH thekson se bankat kan\u00eb leht\u00ebsuar dh\u00ebnien e kredive p\u00ebr individ\u00ebt, por jo p\u00ebr bizneset. \u201cBanka e Shqip\u00ebris\u00eb v\u00ebren se individ\u00ebt e kan\u00eb pasur m\u00eb t\u00eb leht\u00eb p\u00ebr t\u00eb marr\u00eb nj\u00eb kredi p\u00ebr sht\u00ebpi dhe m\u00eb t\u00eb v\u00ebshtir\u00eb p\u00ebr t\u00eb t\u00ebrhequr nj\u00eb kredi konsumatore. Sa i p\u00ebrket bizneseve duket se huat me probleme n\u00eb sistemin bankar apo situata makroekonomike n\u00eb vend t\u00eb jen\u00eb dy arsyet kryesore se pse bankat e kan\u00eb shtr\u00ebnguar dh\u00ebnien kredive t\u00eb reja,\u201d thuhet n\u00eb raportin e BSH-s\u00eb p\u00ebr 3-mujorin e par\u00eb t\u00eb 2013-\u00ebs. Megjithat\u00eb Banka e Shqip\u00ebris\u00eb parashikon q\u00eb p\u00ebr tremujorin e dyt\u00eb t\u00eb vitit 2013, standardet e kredis\u00eb p\u00ebr bizneset do t\u00eb leht\u00ebsohen disi.\n<\/div>\n
\n<\/div>\n
100.4 <\/b>\n<\/div>\n
\n<\/div>\n
miliard\u00eb lek\u00eb jan\u00eb t\u00ebrhequr nga bankat gjat\u00eb 2012-\u00ebs, n\u00eb form\u00eb kredie nga shqiptar\u00ebt, dhe jan\u00eb p\u00ebrdorur p\u00ebr t\u00eb bler\u00eb sht\u00ebpi ose truall.\n<\/div>\n
\n<\/div>\n
17.3 <\/b>\n<\/div>\n
\n<\/div>\n
miliard\u00eb lek kredi t\u00eb t\u00ebrhequra gjat\u00eb vitit 2012, jan\u00eb p\u00ebrdorur p\u00ebr t\u00eb kaluar pushimet e ver\u00ebs dhe p\u00ebr t\u00eb paguar shkoll\u00ebn\n<\/div>\n
\n<\/div>\n
8.7<\/b>\n<\/div>\n
\n<\/div>\n
miliard\u00eb lek kredi jan\u00eb p\u00ebrdorur nga shqiptar\u00ebt p\u00ebr t\u00eb bler\u00eb makina apo mobilie t\u00eb ndryshme\n<\/div>\n
\n<\/div>\n
6.8 <\/b>\n<\/div>\n
\n<\/div>\n
miliard\u00eb lek kredi jan\u00eb t\u00ebrhequr nga shqiptar\u00ebt gjat\u00eb vitit 2012 p\u00ebr t\u00eb hapur nj\u00eb biznes. Kjo lloj kredie ka p\u00ebsuar r\u00ebnie krahasuar me vitin 2011\n<\/div>\n
\n<\/div>\n
8.6 <\/b>\n<\/div>\n
\n<\/div>\n
miliard\u00eb lek jan\u00eb t\u00ebrhequr gjat\u00eb vitit 2012 nga konsumator\u00ebt shqiptar\u00eb n\u00eb form\u00eb overdrafti\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Gjat\u00eb vitit 2012 pjesa m\u00eb e madhe e kredive t\u00eb t\u00ebrhequra nga shqiptar\u00ebt jan\u00eb p\u00ebrdorur p\u00ebr t\u00eb bler\u00eb pasuri t\u00eb paluajtshme. Nj\u00eb raport i fundit q\u00eb flet p\u00ebr q\u00ebllimin e marrjes s\u00eb kredive gjat\u00eb vitit 2012, nxjerr n\u00eb pah se shumica e kredive t\u00eb k\u00ebrkuara gjat\u00eb vitit q\u00eb lam\u00eb pas kan\u00eb shkuar p\u00ebr blerjen e sht\u00ebpive; makinave; si dhe p\u00ebr pushime apo p\u00ebr arsim. Nd\u00ebrsa… <\/p>\n","protected":false},"author":29,"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":[{"id":24406,"url":"https:\/\/ndiqparate.al\/?p=24406","url_meta":{"origin":6661,"position":0},"title":"Renditje 100 Kompani Biznesi m\u00eb t\u00eb paguara nga Thesari i Shtetit viti 2024","date":"May 12, 2025","format":false,"excerpt":"Open Data Albania po publikon t\u00eb dh\u00ebna p\u00ebr Bizneset me vlera m\u00eb ta larta pagesash nga Thesari i Shtetit gjat\u00eb vitit 2024, pagesa p\u00ebrmes Buxheti i Shtetit. 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