{"id":6952,"date":"2014-03-11T10:23:37","date_gmt":"2014-03-11T10:23:37","guid":{"rendered":""},"modified":"2014-03-11T10:23:37","modified_gmt":"2014-03-11T10:23:37","slug":"bie-kredidhenia-per-biznesin-7-2-miliarde-leke-me-pak","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=6952","title":{"rendered":"Bie kredidh\u00ebnia p\u00ebr biznesin, 7.2 miliard\u00eb lek\u00eb m\u00eb pak"},"content":{"rendered":"<div style=\"text-align: justify;\">Bankat po e mb\u00ebshtesin gjithnj\u00eb e m\u00eb pak biznesin me kredi, duke ndikuar k\u00ebshtu n\u00eb frenimin e investimeve dhe hapjen e vendeve t\u00eb reja t\u00eb pun\u00ebs. Sidomos sektori i nd\u00ebrtimit e ka vuajtur m\u00eb shum\u00eb munges\u00ebn e kredidh\u00ebnies, me nj\u00eb ulje vitin e fundit prej 15.2 %. Nd\u00ebrsa e kund\u00ebrta ka ndodhur me sektorin e energjis\u00eb dhe t\u00eb bujq\u00ebsis\u00eb p\u00ebr t\u00eb cil\u00ebt \u00ebsht\u00eb &nbsp;rritur huamarrja.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\"><b>Kredidh\u00ebnia<\/b>\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Sipas nj\u00eb studimi t\u00eb fundit t\u00eb <span style=\"color: rgb(0, 0, 255);\">Open Data Albania<\/span>, 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 6.8 miliard\u00eb lek\u00eb, apo 1.22%.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">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.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\"><b>Nd\u00ebrtimi<\/b>\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Subjektet q\u00eb kan\u00eb regjistruar nj\u00eb r\u00ebnie t\u00eb madhe n\u00eb kreditim jan\u00eb subjektet q\u00eb veprojn\u00eb n\u00eb fush\u00ebn e nd\u00ebrtimit, si nj\u00eb nga sektor\u00ebt q\u00eb po vuan edhe m\u00eb shum\u00eb kriz\u00ebn ekonomike t\u00eb vendit. 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. 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.\n<\/div>\n<div style=\"text-align: justify;\"><b><br \/><\/b>\n<\/div>\n<div style=\"text-align: justify;\"><b>Prodhimi<\/b>\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">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. 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.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\"><b>Pronat<\/b>\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">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. R\u00ebnie kan\u00eb sh\u00ebnuar edhe kreditimi p\u00ebr subjekte biznesi n\u00eb deg\u00ebt e tregtis\u00eb, hoteleris\u00eb si dhe arsimit.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\"><b>Bujq\u00ebsia<\/b>\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. Ky sektor q\u00eb \u00ebsht\u00eb dhe nd\u00ebr t\u00eb paktit n\u00eb vend q\u00eb ka vijuar t\u00eb ket\u00eb rritje pozitive edhe gjat\u00eb k\u00ebtyre viteve t\u00eb kriz\u00ebs ekonomike e kjo edhe si pasoj\u00eb e programeve nd\u00ebrqeveritare p\u00ebr kreditim t\u00eb k\u00ebtij sektori p\u00ebrmes sistemit bankar t\u00eb nivelit t\u00eb dyt\u00eb.\n<\/div>\n<div style=\"text-align: justify;\">\n<\/div>\n<div style=\"text-align: justify;\">Bujq\u00ebsia z\u00eb ende nj\u00eb pesh\u00eb minimale n\u00eb totalin e kredis\u00eb bankare p\u00ebr bizneset, vet\u00ebm 2 p\u00ebr qind.\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Bankat po e mb\u00ebshtesin gjithnj\u00eb e m\u00eb pak biznesin me kredi, duke ndikuar k\u00ebshtu n\u00eb frenimin e investimeve dhe hapjen e vendeve t\u00eb reja t\u00eb pun\u00ebs. Sidomos sektori i nd\u00ebrtimit e ka vuajtur m\u00eb shum\u00eb munges\u00ebn e kredidh\u00ebnies, me nj\u00eb ulje vitin e fundit prej 15.2 %. Nd\u00ebrsa e kund\u00ebrta ka ndodhur me sektorin e energjis\u00eb dhe t\u00eb bujq\u00ebsis\u00eb p\u00ebr t\u00eb cil\u00ebt \u00ebsht\u00eb &nbsp;rritur huamarrja.&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":24479,"url":"https:\/\/ndiqparate.al\/?p=24479","url_meta":{"origin":6952,"position":0},"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":6952,"position":1},"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":24997,"url":"https:\/\/ndiqparate.al\/?p=24997","url_meta":{"origin":6952,"position":2},"title":"Lista e Investimeve t\u00eb Agjencis\u00eb Komb\u00ebtare t\u00eb Shoq\u00ebris\u00eb s\u00eb Informacionit (AKSHI) p\u00ebr vitet 2025-2028, sipas Ligjit Nr. 87\/2025 'P\u00ebr Buxhetin e Vitit 2026'","date":"February 7, 2026","format":false,"excerpt":"Open Data Albania n\u00eb k\u00ebt\u00eb artikull analizon List\u00ebn e Investimeve t\u00eb Agjencis\u00eb Komb\u00ebtare t\u00eb Shoq\u00ebris\u00eb s\u00eb Informacionit (AKSHI) p\u00ebr periudh\u00ebn 2025-2028. Lista e investimeve bazohet n\u00eb Ligjin nr. 87, dat\u00eb 12.12.2025 \"P\u00ebr Buxhetin e Vitit 2026\", miratuar nga Kuvendi i Shqip\u00ebris\u00eb dhe publikuar n\u00eb faqet zyrtare t\u00eb Kuvendit dhe Ministris\u00eb\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2026\/02\/Screenshot-2026-02-08-100314.png?fit=1153%2C570&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":25235,"url":"https:\/\/ndiqparate.al\/?p=25235","url_meta":{"origin":6952,"position":3},"title":"Renditje sipas Vlerave t\u00eb Fituara n\u00eb Prokurim Publik, 10 Kompani Biznesi Big Kontraktor 2025","date":"March 2, 2026","format":false,"excerpt":"Open Data Albania po prezanton renditjen e Bizneseve me vler\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb kontraktimeve t\u00eb p\u00ebrfituara p\u00ebrmes procedurave t\u00eb prokurimit publik gjat\u00eb vitit 2025. Analiza \u00ebsht\u00eb realizuar mbi baz\u00ebn e t\u00eb dh\u00ebnave t\u00eb Sistemit t\u00eb Prokurimit Elektronik (SPE), t\u00eb p\u00ebrpunuara p\u00ebrmes platformave Open Procurement Albania dhe OpenTender.eu. P\u00ebr q\u00ebllime\u2026","rel":"","context":"In &quot;Artikuj ODA&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2026\/05\/Data.AL_-Renditje-10-Komani-Biznesi-me-vleren-me-te-larte-Tender-te-Fituar-viti-2025-ne-milione-leke.png?fit=600%2C457&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":22893,"url":"https:\/\/ndiqparate.al\/?p=22893","url_meta":{"origin":6952,"position":4},"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":24533,"url":"https:\/\/ndiqparate.al\/?p=24533","url_meta":{"origin":6952,"position":5},"title":"Prokurime Publike 1 Janar - 1 Shtator 2025, Renditje 10 Procedurat me Vler\u00eb Fond Limit m\u00eb t\u00eb Lart\u00eb","date":"September 6, 2025","format":false,"excerpt":"N\u00eb k\u00ebt\u00eb artikull po listohen dhjet\u00eb Tenderat apo Prokurimet e mbajtuara n\u00eb harkun kohor Janar \u2013 Gusht 2025 t\u00eb renditura si Procedurat me Vlera m\u00eb t\u00eb Larta t\u00eb fondit limit. Evidentimi i tyre \u00ebsht\u00eb b\u00ebr\u00eb duke konsideruar llojin e Procedur\u00ebs, Statusin e Zhvillimit dhe llojin e Kontratave. Burimi: Open Procurement\u2026","rel":"","context":"In &quot;Artikuj&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/ndiqparate.al\/wp-content\/uploads\/2025\/09\/Data.Al_-Prokurime-Publike-1-Janar-\u2013-1-Shtator-2025-Renditje-10-Procedurat-me-Vlere-Fond-Limit-me-te-Larte.png?fit=516%2C493&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pcJP0S-1O8","_links":{"self":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6952"}],"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=6952"}],"version-history":[{"count":0,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=\/wp\/v2\/posts\/6952\/revisions"}],"wp:attachment":[{"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6952"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6952"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ndiqparate.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6952"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}