{"id":6800,"date":"2013-12-02T14:08:36","date_gmt":"2013-12-02T14:08:36","guid":{"rendered":""},"modified":"2013-12-02T14:08:36","modified_gmt":"2013-12-02T14:08:36","slug":"cilesia-e-kredive-te-sistemit-bankar-ne-shqiperi-2007-2013","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6800","title":{"rendered":"Cil\u00ebsia e Kredive t\u00eb Sistemit Bankar n\u00eb Shqip\u00ebri 2007-2013"},"content":{"rendered":"\n<div style=\"text-align: justify;\"><span style=\"font-size: 9pt;\">Open Data Albania ka kryer nj\u00eb hulumtim mbi cil\u00ebsin\u00eb e kredive (huave) t\u00eb sistemit bankar n\u00eb Shqip\u00ebri, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr periudh\u00ebn 2007-2013. &nbsp;<\/span><span style=\"font-size: 9pt;\">Kredit\u00eb klasifikohen si t\u00eb k\u00ebqija kur bankat kan\u00eb v\u00ebshtir\u00ebsi n\u00eb mbledhjen e tyre. Ato kategorizohen n\u00eb disa m\u00ebnyra n\u00eb var\u00ebsi t\u00eb shkall\u00ebs s\u00eb problematik\u00ebs q\u00eb paraqesin:<\/span>\n<\/div>\n<div> \n<\/div>\n<div><sup>\u2022&nbsp;Kredi standarde quhen kredit\u00eb e rregullta, dhe q\u00eb nuk kan\u00eb asnj\u00eb problematik\u00eb n\u00eb afatin dhe shum\u00ebn e shlyerjes;<\/sup>\n<\/div>\n<div><sup><br \/><\/sup>\n<\/div>\n<div><sup>\u2022&nbsp;Kredi n\u00eb ndjekje quhen kredit\u00eb q\u00eb paraqesin shenjat e para t\u00eb vonesave n\u00eb shlyerje dhe jan\u00eb n\u00ebn mbik\u00ebqyrje nga ana e bank\u00ebs, por q\u00eb nuk jan\u00eb klasifikuar ende si kredi problematike;<\/sup>\n<\/div>\n<div><sup><br \/><\/sup>\n<\/div>\n<div><sup>\u2022&nbsp;Kredi n\u00ebnstandarde quhen kredit\u00eb t\u00eb cilat nuk klasifikohen si kredi standarde, p\u00ebr shkak t\u00eb vonesave n\u00eb shlyerjen e tyre dhe klasifikohen si kredi problematike;<\/sup>\n<\/div>\n<div><sup><br \/><\/sup>\n<\/div>\n<div><sup>\u2022&nbsp;Kredi t\u00eb dyshimta, quhen kredit\u00eb t\u00eb cilat kan\u00eb vonesa t\u00eb theksuara n\u00eb shlyerjen e tyre, por banka ka akoma shpres\u00eb n\u00eb mbledhjen e tyre dhe klasifikohen si kredi problematike;<\/sup>\n<\/div>\n<div><sup><br \/><\/sup>\n<\/div>\n<div><sup>\u2022&nbsp;Kredi t\u00eb humbura, quhen kredit\u00eb t\u00eb cilat nuk mund t\u00eb mblidhen m\u00eb nga ana e bank\u00ebs dhe klasifikohen si kredi problematike.<\/sup>\n<\/div>\n<div><sup><br \/><\/sup>\n<\/div>\n<div>Grafikisht, pesha e kredive sipas kategorive t\u00eb m\u00ebsip\u00ebrme ka ndryshuar si m\u00eb posht\u00eb (treguesit jan\u00eb n\u00eb baz\u00eb vjetore):<\/p>\n<p>  <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdHM3cFVoOEtlX2gycTFBMnNHQndPWEE&transpose=0&headers=1&range=A6%3AF13&gid=0&pub=1\",\"options\":{\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"useFormatFromData\":true,\"title\":\"Vlera ne %\",\"minValue\":null,\"logScale\":false,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"logScale\":false,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"booleanRole\":\"certainty\",\"title\":\"Pesha e Kredive Sipas Kategorive\",\"height\":371,\"animation\":{\"duration\":500},\"legend\":\"right\",\"width\":630,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Viti\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"tooltip\":{},\"isStacked\":true},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"ColumnChart\",\"chartName\":\"Chart 5\"}\n  <\/script><br \/><sup>Burimi: Banka e Shqip\u00ebris\u00eb<\/sup>\n<\/div>\n<div>\n<div><sup>Komentet dhe Analiza: ODA<\/sup>\n  <\/div>\n<div> \n  <\/div>\n<div>\n<div style=\"text-align: justify;\">Sikurse mund t\u00eb shihet edhe nga grafiku, pesha e kredive problematike dhe atyre n\u00eb ndjekje kundrejt totalit t\u00eb kredive ka ardhur n\u00eb rritje t\u00eb ndjeshme gjat\u00eb viteve t\u00eb fundit. Rritje t\u00eb ndjeshme kan\u00eb p\u00ebsuar kredit\u00eb e humbura, q\u00eb krahasuar me vitin 2007 (0.81%), jan\u00eb rritur mbi dhjet\u00eb her\u00eb n\u00eb 9.23%. Kjo tregon q\u00eb cil\u00ebsia e kredive ka ardhur n\u00eb ulje, dhe 9.23% e tyre nuk mund t\u00eb rimerren m\u00eb nga bankat, por ka q\u00ebn\u00eb i nevojsh\u00ebm zbatimi i kolateralit.<\/p><\/div>\n<div style=\"text-align: justify;\"> \n    <\/div>\n<div style=\"text-align: justify;\">Totali i kredive problematike (ku jan\u00eb p\u00ebrfshir\u00eb kredit\u00eb n\u00ebnstandarde, kredit\u00eb e dyshimta dhe kredit\u00eb e humbura) kan\u00eb ndryshuar sipas grafikut:<\/p><\/div>\n<\/p><\/div>\n<div style=\"text-align: justify;\"> \n  <\/div>\n<div style=\"text-align: justify;\">\n    <script type=\"text\/javascript\" src=\"http:\/\/ajax.googleapis.com\/ajax\/static\/modules\/gviz\/1.0\/chart.js\">{\"dataSourceUrl\":\"\/\/docs.google.com\/spreadsheet\/tq?key=0Agylwmr5tEbVdHM3cFVoOEtlX2gycTFBMnNHQndPWEE&transpose=0&headers=1&range=B40%3AC47&gid=0&pub=1\",\"options\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#000\",\"fontSize\":16},\"series\":{\"0\":{\"pointSize\":7}},\"curveType\":\"function\",\"animation\":{\"duration\":500},\"width\":630,\"lineWidth\":2,\"hAxis\":{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Viti\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindowMode\":null,\"viewWindow\":null,\"maxValue\":null},\"vAxes\":[{\"titleTextStyle\":{\"bold\":true,\"color\":\"#222\",\"italic\":true,\"fontSize\":12},\"title\":\"Pesha ne % ndaj totalit te kredive te dhena\",\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null},{\"useFormatFromData\":true,\"minValue\":null,\"viewWindow\":{\"min\":null,\"max\":null},\"maxValue\":null}],\"booleanRole\":\"certainty\",\"title\":\"Pesha e Kredive Problematike\",\"height\":371,\"legend\":\"right\",\"tooltip\":{}},\"state\":{},\"view\":{},\"isDefaultVisualization\":false,\"chartType\":\"LineChart\",\"chartName\":\"Chart 2\"}\n    <\/script>\n  <\/div>\n<div style=\"text-align: justify;\">\n<div style=\"text-align: start;\"><sup>Burimi: Banka e Shqip\u00ebris\u00eb<\/sup>\n    <\/div>\n<div style=\"text-align: start;\"><sup>Komentet dhe Analiza: ODA<\/sup>\n    <\/div>\n<div style=\"text-align: start;\"><sup><br \/><\/sup>\n    <\/div>\n<div style=\"text-align: start;\">\n<div style=\"text-align: justify;\">N\u00eb fund t\u00eb 6-mujorit t\u00eb par\u00eb t\u00eb vitit 2013, totali i kredive problematike t\u00eb sistemit bankar ishte 24.4%, t\u00eb ndara n\u00eb: kredi n\u00ebnstandade (9.78%), kredi t\u00eb dyshimta (5.38%) dhe kredi t\u00eb humbura (9.23%). &nbsp;Krahasuar me vitin 2007, k\u00ebto shifra ishin: totali i kredive problematike t\u00eb sistemit bankar ishte 3.31%, t\u00eb ndara n\u00eb: kredi n\u00ebnstandade (1.71%), kredi t\u00eb dyshimta (0.79%) dhe kredi t\u00eb humbura (0.81%). Pra t\u00eb gjitha kategorit\u00eb e kredive t\u00eb k\u00ebqija jan\u00eb rritur n\u00eb m\u00ebnyr\u00eb t\u00eb ndjeshme. N\u00ebse n\u00eb 2007 rreth 92% e kredive t\u00eb dh\u00ebna nga bankat klasifikoheshin si kredi standarde, tashm\u00eb vet\u00ebm 66% e kredive jan\u00eb standarde.<\/p><\/div>\n<div style=\"text-align: justify;\"> \n      <\/div>\n<div style=\"text-align: justify;\">Ritmi i rritjes s\u00eb pesh\u00ebs s\u00eb kredive problematike ndaj totalit t\u00eb kredive, \u00ebsht\u00eb shqet\u00ebsues, pasi tregon rritjen e qart\u00eb t\u00eb v\u00ebshtir\u00ebsis\u00eb paguese t\u00eb bizneseve dhe individ\u00ebve, dhe rrit rrezikun e p\u00ebrgjithsh\u00ebm t\u00eb sistemit financiar.<\/p><\/div>\n<div style=\"vertical-align: super;\"> \n      <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania ka kryer nj\u00eb hulumtim mbi cil\u00ebsin\u00eb e kredive (huave) t\u00eb sistemit bankar n\u00eb Shqip\u00ebri, bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr periudh\u00ebn 2007-2013. &nbsp;Kredit\u00eb klasifikohen si t\u00eb k\u00ebqija kur bankat kan\u00eb v\u00ebshtir\u00ebsi n\u00eb mbledhjen e tyre. Ato kategorizohen n\u00eb disa m\u00ebnyra n\u00eb var\u00ebsi t\u00eb shkall\u00ebs s\u00eb problematik\u00ebs q\u00eb paraqesin: \u2022&nbsp;Kredi standarde quhen kredit\u00eb e rregullta, dhe q\u00eb nuk kan\u00eb asnj\u00eb&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":[{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":6800,"position":0},"title":"Financimi i Koncesioneve dhe PPP me Kredi nga Sektori Bankar 2015-2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania po hulumton n\u00eb lidhje me nivelin e kreditimit t\u00eb bizneseve Koncesionare dhe PPP nga Banka te Nivelit t\u00eb Dyt\u00eb ne vend. 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