{"id":7360,"date":"2015-06-08T14:32:13","date_gmt":"2015-06-08T14:32:13","guid":{"rendered":""},"modified":"2015-06-08T14:32:13","modified_gmt":"2015-06-08T14:32:13","slug":"kreditimi-norma-e-interesit-ne-leke-sa-fitojne-bankat","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=7360","title":{"rendered":"Kreditimi, norma e interesit n\u00eb lek\u00eb, sa fitojn\u00eb bankat"},"content":{"rendered":"<div align=\"justify\">Kreditimi, kushtet dhe interesat jan\u00eb sot nj\u00eb \u00e7\u00ebshtje mjaft e diskutuar n\u00eb ekonomi. Flasim p\u00ebr nevoj\u00ebn p\u00ebr kredi p\u00ebr biznesin dhe individin, por nd\u00ebrkoh\u00eb kushtet e marrjes s\u00eb saj beh\u00ebn t\u00eb v\u00ebshtira nga bankat dhe me interesa t\u00eb larta. Nga ana tjet\u00ebr ekziston risku i k\u00ebtyre t\u00eb fundit p\u00ebr shkak t\u00eb kredive t\u00eb k\u00ebqija q\u00eb jan\u00eb rritur nga viti n\u00eb vit. Megjithat\u00eb ka nj\u00eb tendenc\u00eb vitet e fundit p\u00ebr t\u00eb dh\u00ebn\u00eb kredi n\u00eb monedh\u00ebn vendase, dhe me interesa m\u00eb t\u00eb mira se sa n\u00eb monedhat e huaja. Po si ka ecur norma e interesit nga viti n\u00eb vit? Ka nj\u00eb tendenc\u00eb ulje t\u00eb saj? E b\u00ebn m\u00eb t\u00eb leht\u00eb marrjen e kredis\u00eb n\u00eb k\u00ebt\u00eb monedh\u00eb? <span style=\"color: rgb(0, 0, 255);\">Open Data Albania <\/span>ka b\u00ebr\u00eb nj\u00eb hulumtim t\u00eb norm\u00ebs mesatare t\u00eb kredis\u00eb t\u00eb marr\u00eb n\u00eb lek\u00eb nga viti 2019 deri n\u00eb vitin n\u00eb t\u00eb cilin jemi. N\u00eb vitin 2009, sipas k\u00ebtij studimi, norma mesatare e kredis\u00eb 1-vje\u00e7are n\u00eb lek ishte 15.71%, dhe n\u00eb fund t\u00eb 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 vitin 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%. P\u00ebr rrjedhoj\u00eb \u201cspread-i\u201d 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.<br \/><b><br \/>\u00c7far\u00eb \u00ebsht\u00eb norma e kredis\u00eb?<\/b><\/p>\n<p>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. Diferenca midis norm\u00ebs mesatare t\u00eb kredive dhe depozitave p\u00ebrb\u00ebn \u201cspread-in\u201d 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><b>Si llogaritet norma reale e interesit?<\/b><\/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. N\u00eb vitin 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. 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.\n<\/p><\/div>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kreditimi, kushtet dhe interesat jan\u00eb sot nj\u00eb \u00e7\u00ebshtje mjaft e diskutuar n\u00eb ekonomi. Flasim p\u00ebr nevoj\u00ebn p\u00ebr kredi p\u00ebr biznesin dhe individin, por nd\u00ebrkoh\u00eb kushtet e marrjes s\u00eb saj beh\u00ebn t\u00eb v\u00ebshtira nga bankat dhe me interesa t\u00eb larta. Nga ana tjet\u00ebr ekziston risku i k\u00ebtyre t\u00eb fundit p\u00ebr shkak t\u00eb kredive t\u00eb k\u00ebqija q\u00eb jan\u00eb rritur nga viti n\u00eb vit. Megjithat\u00eb ka nj\u00eb tendenc\u00eb&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":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":7360,"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. 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. 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