{"id":6951,"date":"2014-03-11T10:23:35","date_gmt":"2014-03-11T10:23:35","guid":{"rendered":""},"modified":"2014-03-11T10:23:35","modified_gmt":"2014-03-11T10:23:35","slug":"tkurren-kredite-ndertimi-penalizohet-nga-bankat","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6951","title":{"rendered":"Tkurren kredit\u00eb, nd\u00ebrtimi penalizohet nga bankat"},"content":{"rendered":"<div style=\"text-align: justify;\">Kredia p\u00ebr biznesit ka ardhur duke u tkurrur nga viti n\u00eb vit. Sipas nj\u00eb studimi t\u00eb kryer nga <span style=\"color: rgb(0, 0, 255);\">Open Data Albania<\/span>, mbi ecurin\u00eb e kredis\u00eb p\u00ebr bizneset sipas aktivitetit ekonomik, vihet re se nd\u00ebrtimi \u00ebsht\u00eb sektori m\u00eb i penalizuar nga bankat, me ulje t\u00eb kreditimit. &nbsp;\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Sipas&nbsp;&nbsp;<span style=\"color: rgb(0, 0, 255);\">Open Data Albania<\/span>&nbsp;n\u00eb fund t\u00eb vitit 2013, huaja n\u00eb total arriti n\u00eb 547 miliard\u00eb lek\u00eb, duke sh\u00ebnuar nj\u00eb r\u00ebnie prej prej 6.8 miliard\u00eb lek\u00eb, apo 1.22%. Nd\u00ebrkoh\u00eb kredia p\u00ebr biznesin n\u00eb 2013 sh\u00ebnoi vler\u00ebn 393,6 miliard lek\u00eb, duke sh\u00ebnuar gjithashtu r\u00ebnie kundrejt vitit pararend\u00ebs me vler\u00eb 7.2 miliard lek. Sipas studimit, kredia p\u00ebr nd\u00ebrtimin ra ndjesh\u00ebm duke zbritur n\u00eb 53.8 miliard\u00eb lek\u00eb n\u00eb fund t\u00eb muajit dhjetor 2013.&nbsp;\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Kundrejt nj\u00eb viti m\u00eb par\u00eb kredia p\u00ebr sektorin e nd\u00ebrtimin u tkurr me 15.2% duke sh\u00ebnuar k\u00ebshtu vitin e dyt\u00eb radhazi &nbsp;me r\u00ebnie t\u00eb kreditimit p\u00ebr k\u00ebt\u00eb deg\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb ekonomis\u00eb vendase. &nbsp;N\u00eb vitin 2013 \u00ebsht\u00eb rritur ndjesh\u00ebm kreditimi p\u00ebr subjekte biznesi q\u00eb punojn\u00eb n\u00eb sektorin e prodhimit, shp\u00ebrndarjes s\u00eb energjis\u00eb elektrike, gazit dhe e ujit. N\u00eb fund t\u00eb 2013-\u00ebs kreditimi p\u00ebr k\u00ebt\u00eb sektor arriti n\u00eb afro 50 miliard lek\u00eb duke p\u00ebrafruar me huan\u00eb q\u00eb \u00ebsht\u00eb dh\u00ebn\u00eb p\u00ebr nd\u00ebrtimin dhe duke u renditur n\u00eb sektorin e kat\u00ebrt m\u00eb t\u00eb kredituar nga bankat.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Kundrejt vitit 2012 kredia p\u00ebr sektor\u00eb t\u00eb energjetik\u00ebs \u00ebsht\u00eb rritur me 7.5% por nd\u00ebrkoh\u00eb n\u00eb raport me vitin 2007 ajo \u00ebsht\u00eb kat\u00ebrfishuar. Edhe kreditimi p\u00ebr biznese q\u00eb veprojn\u00eb n\u00eb sektorin e pasurive t\u00eb patundshme, dh\u00ebnie me qira etj, ka p\u00ebsuar ulje n\u00eb kreditim kundrejt vitit pararend\u00ebs, kjo hua z\u00eb nj\u00eb pesh\u00eb shum\u00eb t\u00eb vog\u00ebl n\u00eb totalin e kredis\u00eb p\u00ebr biznese.&nbsp;\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Dega me nj\u00eb rritje t\u00eb vazhdueshme n\u00eb kreditimin bankar \u00ebsht\u00eb bujq\u00ebsia, e cila ka sh\u00ebnuar nj\u00eb zgjerim me 7% n\u00eb vitin 2013 kundrejt nj\u00eb viti m\u00eb par\u00eb. Bujq\u00ebsia z\u00eb ende nj\u00eb pesh\u00eb minimale n\u00eb totalin e kredis\u00eb bankare p\u00ebr bizneset, vet\u00ebm 2%.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kredia p\u00ebr biznesit ka ardhur duke u tkurrur nga viti n\u00eb vit. Sipas nj\u00eb studimi t\u00eb kryer nga Open Data Albania, mbi ecurin\u00eb e kredis\u00eb p\u00ebr bizneset sipas aktivitetit ekonomik, vihet re se nd\u00ebrtimi \u00ebsht\u00eb sektori m\u00eb i penalizuar nga bankat, me ulje t\u00eb kreditimit. &nbsp; Sipas&nbsp;&nbsp;Open Data Albania&nbsp;n\u00eb fund t\u00eb vitit 2013, huaja n\u00eb total arriti n\u00eb 547 miliard\u00eb lek\u00eb, duke sh\u00ebnuar nj\u00eb r\u00ebnie&hellip; <\/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":[{"id":22893,"url":"https:\/\/ndiqparate.al\/?p=22893","url_meta":{"origin":6951,"position":0},"title":"Performanca Financiare e Bankave t\u00eb Nivelit t\u00eb Dyt\u00eb p\u00ebr vitin 2023. Origjina e Kapitalit","date":"October 15, 2024","format":false,"excerpt":"Open Data Albania po hulumton mbi perfomac\u00ebn financiare t\u00eb bankave t\u00eb nivelit t\u00eb dyt\u00eb p\u00ebr vitin 2023. T\u00eb dh\u00ebnat jan\u00eb marr\u00eb nga bilancet e audituara q\u00eb subjektet financiare banka depozitojn\u00eb pran\u00eb Qendr\u00ebs Komb\u00ebtare t\u00eb Biznesit (QKB). Aktualisht n\u00eb Shqip\u00ebri operojn\u00eb 11 Banka t\u00eb Nivelit t\u00eb Dyt\u00eb, prej t\u00eb cilave 5\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/11\/Data.Al_-Pesha-e-seciles-banke-ne-fitimin-total-te-tregut-bankar-2023.png?fit=600%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24479,"url":"https:\/\/ndiqparate.al\/?p=24479","url_meta":{"origin":6951,"position":1},"title":"Origjina e Kapitalit Bankar n\u00eb Shqip\u00ebri Korrik 2025","date":"August 15, 2025","format":false,"excerpt":"Open Data Albania po analizon struktur\u00ebn e kapitalit bankar sipas Origjin\u00ebs s\u00eb Kapitalit p\u00ebr banka t\u00eb nivelit t\u00eb dyt\u00eb. Origjin\u00eb kemi konsideruar vendin apo regjistrin e biznesit ku \u00ebsht\u00eb regjistruar paketa kontrolluese aksionare p\u00ebr personat juridik\u00eb, apo shtet\u00ebsin\u00eb e deklaruar p\u00ebr personat individ\u00eb aksioner t\u00eb drejtp\u00ebrdrejte apo fundor t\u00eb deklaruar.\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/08\/Data.Al_-Struktura-e-Kapitalit-te-Bankave-te-Nivelit-te-Dyte-ne-Shqiperi-sipas-Origjines-se-Zoteruesit-Korrik-2025.png?fit=563%2C472&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":22926,"url":"https:\/\/ndiqparate.al\/?p=22926","url_meta":{"origin":6951,"position":2},"title":"Stoku dhe Kosto e Borxhit Publik 2025. Borxhi p\u00ebr Frym\u00eb","date":"November 13, 2024","format":false,"excerpt":"Open Data Albania po hulumton mbi Stokun e Borxhit Publik p\u00ebr vitin 2025 dhe Koston e tij, duke p\u00ebrfshir\u00eb nivelin e borxhit dhe kostos p\u00ebr frym\u00eb. T\u00eb dh\u00ebnat p\u00ebr k\u00ebt\u00eb studim jan\u00eb marr\u00eb nga Ministria e Financave, treguesit e Kuadrit Makroekonomik e Fiskal 2025-2027, t\u00eb rishikuar n\u00eb qershor t\u00eb k\u00ebtij\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/11\/Data.Al_-Stok-Borxh-Publik-milion-leke-dhe-PBB-2025-vs-2024.png?fit=600%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24406,"url":"https:\/\/ndiqparate.al\/?p=24406","url_meta":{"origin":6951,"position":3},"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. T\u00eb dh\u00ebnat n\u00eb k\u00ebt\u00eb artikull rendit\u00ebs jan\u00eb marr\u00eb nga Databaza Transaksione Thesari, pjes\u00eb e portalit Spending Data Albania krijuar dhe zot\u00ebruar nga organizata\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/06\/Data.Al_-Renditje-10-Bizneset-me-arketime-me-te-larta-nga-Thesari-i-Shtetit-2024.png?fit=573%2C450&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":6951,"position":4},"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. Ky hulumtim p\u00ebrfshin t\u00eb gjitha Bizneset qw zbatojn\u00eb Kontrata dhe Marr\u00ebveshje PPP Koncesion t\u00eb n\u00ebnshkruara q\u00eb nga 2015. P\u00ebr periudh\u00ebn 2015-2023, rezultojn\u00eb t\u00eb n\u00ebnshkruara 47 kontrata\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/08\/Data.Al_-Financimi-me-kredi-nga-Sektori-Bankar-i-Koncesioneve-PPP-2015-2023-vlera-ne-Leke.png?fit=666%2C371&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":22870,"url":"https:\/\/ndiqparate.al\/?p=22870","url_meta":{"origin":6951,"position":5},"title":"Renditje Investime Publike 2025 sipas Projekteve dhe Institucioneve","date":"November 14, 2024","format":false,"excerpt":"Open Data Albania n\u00eb k\u00ebt\u00eb artikull po zbardh Projektet\/Investimet me financim m\u00eb t\u00eb lart\u00eb nga Buxheti i Shtetit 2025. Gjithashtu dhe nj\u00eb rankim i institucioneve sipas vler\u00ebs Portofol Investimesh Kapitale p\u00ebr vitin 2025. T\u00eb dh\u00ebnat jan\u00eb marr\u00eb nga lista e planifikimit trevje\u00e7ar t\u00eb investimeve publike 2025-2027 t\u00eb Projektligjit \u201cP\u00ebr Buxhetin\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2024\/11\/Data.Al_-Renditje-Investime-Publike-me-mbeshtetje-mbi-1-miliard-leke-sipas-vleres-Financim-nga-Buxheti-i-Shtetit-2025-mije-Leke.png?fit=600%2C775&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1O7","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6951"}],"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=6951"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6951\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6951"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6951"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6951"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}