{"id":7358,"date":"2015-06-06T12:33:55","date_gmt":"2015-06-06T12:33:55","guid":{"rendered":""},"modified":"2021-05-24T12:14:44","modified_gmt":"2021-05-24T12:14:44","slug":"normat-e-interesit-ne-ekonomine-shqiptare-2009-2015","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=7358","title":{"rendered":"Normat e Interesit n\u00eb Ekonomin\u00eb Shqiptare 2009-2015"},"content":{"rendered":"<div align=\"justify\">Open Data Albania ka kryer nj\u00eb hulumtim mbi normat e interesit n\u00eb Shqip\u00ebri bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr periudh\u00ebn 2009, deri n\u00eb mars t\u00eb vitit 2015. Norma e kredis\u00eb \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb kredive t\u00eb dh\u00ebna nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate 1-vje\u00e7are. Nd\u00ebrkoh\u00eb norma e depozitave \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb depozitave t\u00eb vendosura n\u00eb bankat e nivelit t\u00eb dyt\u00eb p\u00ebr t\u00eb nj\u00ebjtin afat.<\/p>\n<p>Diferenca midis norm\u00ebs mesatare t\u00eb kredive dhe depozitave p\u00ebrb\u00ebn &#8220;spread-in&#8221; e normave t\u00eb interesit. Norma reale e interesit \u00ebsht\u00eb diferenca midis norm\u00ebs nominale t\u00eb interesit te bonove te thesarit dhe inflacionit 1-vje\u00e7ar. Primi i riskut n\u00eb huadh\u00ebnie \u00ebsht\u00eb diferenca midis norm\u00ebs s\u00eb kredis\u00eb 1-vje\u00e7are dhe norm\u00ebs s\u00eb bonove t\u00eb thesarit me afat maturimi t\u00eb nj\u00ebjt\u00eb.<\/p>\n<p>Grafikisht norma mesatare e kredive ne LEK dhe EUR n\u00eb 5 vitet e fundit paraqitet si m\u00eb posht\u00eb:<\/p>\n<p><iframe width=\"630\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1EcE-bu08GoUrZgP7hlfBzfUrNILwN6uTXt59qyDebN0\/pubchart?oid=242150797&amp;format=interactive\"><\/iframe><br \/>\n<sup>*Deri ne mars 2015<br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nAnaliza dhe Komentet: ODA<\/sup><\/p>\n<p>Norma mesatare e depozites 1-vje\u00e7are n\u00eb LEK dhe EUR n\u00eb 5&nbsp; vitet e fundit paraqitet si m\u00eb posht\u00eb:<\/p>\n<p><iframe width=\"628\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1EcE-bu08GoUrZgP7hlfBzfUrNILwN6uTXt59qyDebN0\/pubchart?oid=1678322713&amp;format=interactive\"><\/iframe><br \/>\n<sup>*Deri ne mars 2015<br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nAnaliza dhe Komentet: ODA<\/sup><\/p>\n<p>&#8220;Spread-i&#8221; Kredi &#8211; Depozita (diferenca midis norm\u00ebs s\u00eb interesit t\u00eb kredis\u00eb dhe depozitave):<\/p>\n<p><iframe width=\"628\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1EcE-bu08GoUrZgP7hlfBzfUrNILwN6uTXt59qyDebN0\/pubchart?oid=281722746&amp;format=interactive\"><\/iframe><br \/>\n<sup>*Deri ne mars 2015<br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nAnaliza dhe Komentet: ODA<\/sup><\/p>\n<p>N\u00eb 2009, norma mesatare e kredis\u00eb 1-vje\u00e7are n\u00eb LEK ishte 15.71%, dhe ne fund te marsit 2015 ishte 8.85%, pra nj\u00eb ulje prej rreth 7%. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb norma e depozit\u00ebs 1-vje\u00e7are n\u00eb 2009 n\u00eb LEK ishte 6.75%, nd\u00ebrsa n\u00eb fund t\u00eb marsit 2015 ishte 1.46%, pra nj\u00eb ulje prej 5.3%.&nbsp; P\u00ebr rrjedhoj\u00eb &#8220;spread-i&#8221; kredi-depozita (q\u00eb p\u00ebrb\u00ebn edhe faktorin kryesor t\u00eb fitimit bruto t\u00eb bankave) \u00ebsht\u00eb ulur gjat\u00eb periudh\u00ebs, nga 8.96% n\u00eb 7.39% n\u00eb monedh\u00ebn lek.<\/p>\n<p>Nd\u00ebrkoh\u00eb, norma reale e interesit paraqitet sipas grafikut t\u00eb m\u00ebposht\u00ebm:<\/p>\n<p><iframe width=\"631\" height=\"371\" frameborder=\"0\" seamless=\"\" scrolling=\"no\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1EcE-bu08GoUrZgP7hlfBzfUrNILwN6uTXt59qyDebN0\/pubchart?oid=966602211&amp;format=interactive\"><\/iframe><br \/>\n<sup>*Deri ne mars 2015<br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nAnaliza dhe Komentet: ODA<\/sup><\/p>\n<p>Norma reale e interesit llogaritet si diferenca midis norm\u00ebs s\u00eb interesit me t\u00eb cil\u00ebn merr borxh qeveria (norma e bonove t\u00eb thesarit), kundrejt norm\u00ebs s\u00eb inflacionit. Ajo ka ndjekur t\u00eb nj\u00ebjtin trend sikurse norma e bonove t\u00eb thesarit 1-vje\u00e7are, duke qen\u00eb se inflacioni ka qen\u00eb leht\u00ebsisht i luhatsh\u00ebm, por n\u00ebn kontroll.<\/p>\n<p>N\u00eb 2009 norma reale e interesit ishte 5.41%, nd\u00ebrsa n\u00eb fund t\u00eb marsit 2015 ishte 1.42%. Pra p\u00ebr nj\u00eb investitor q\u00eb blen bono thesari 1-vje\u00e7are, kthimi real \u00ebsht\u00eb ulur me rreth 4%, nd\u00ebrkoh\u00eb q\u00eb p\u00ebr qeverin\u00eb ndodh e kund\u00ebrta, kosto reale e huamarrjes \u00ebsht\u00eb ulur me po t\u00eb nj\u00ebjt\u00ebn shum\u00eb.<\/p>\n<p>Primi i riskut te huadh\u00ebnies tregon norm\u00ebn shtes\u00eb t\u00eb kthimit q\u00eb k\u00ebrkohet nga kredidh\u00ebn\u00ebsi (bankat) p\u00ebr t\u00eb dh\u00ebn\u00eb kredi, kundrejt alternativ\u00ebs tjet\u00ebr, q\u00eb \u00ebsht\u00eb investimi n\u00eb bono thesari qeveritare (pa risk). Si rrjedhoj\u00eb mund t\u00eb p\u00ebrdoret si nj\u00eb indikator i mir\u00eb i riskut n\u00eb nj\u00eb ekonomi (p.sh i riskut t\u00eb mos shlyerjes s\u00eb kredive). Ajo llogaritet si diferenca midis norm\u00ebs s\u00eb kredis\u00eb 1-vje\u00e7are dhe norm\u00ebs s\u00eb bonove t\u00eb thesarit me afat maturimi t\u00eb nj\u00ebjt\u00eb.<\/p>\n<p>Grafikisht n\u00eb vitet e fundit paraqitet:<\/p>\n<p><iframe width=\"630\" height=\"371\" frameborder=\"0\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/1EcE-bu08GoUrZgP7hlfBzfUrNILwN6uTXt59qyDebN0\/pubchart?oid=1111960449&amp;format=interactive\"><\/iframe><br \/>\n<sup>*Deri ne mars 2015<br \/>\nBurimi: Banka e Shqip\u00ebris\u00eb<br \/>\nAnaliza dhe Komentet: ODA<\/sup><\/p>\n<p>Sikurse mund t\u00eb shihet edhe nga grafiku, primi i riskut t\u00eb huadh\u00ebnies \u00ebsht\u00eb ulur n\u00eb vitet e fundit, duke arritur n\u00eb 5.26% n\u00eb mars t\u00eb 2015, krahasuar me 6.57% n\u00eb vitin 2009. Kjo tregon p\u00ebr nj\u00eb risk m\u00eb t\u00eb ulet n\u00eb ekonomi, sidomos ne dy vitet e fundit.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania ka kryer nj\u00eb hulumtim mbi normat e interesit n\u00eb Shqip\u00ebri bazuar n\u00eb t\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebr periudh\u00ebn 2009, deri n\u00eb mars t\u00eb vitit 2015. Norma e kredis\u00eb \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb kredive t\u00eb dh\u00ebna nga bankat e nivelit t\u00eb dyt\u00eb p\u00ebr afate 1-vje\u00e7are. Nd\u00ebrkoh\u00eb norma e depozitave \u00ebsht\u00eb nj\u00eb tregues i norm\u00ebs mesatare t\u00eb depozitave t\u00eb&hellip; <\/p>\n","protected":false},"author":1,"featured_media":12393,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[39,134],"tags":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/ndiqparate.al\/wp-content\/uploads\/2015\/06\/download-2021-05-24T141407.447.png?fit=562%2C333&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":7358,"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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