{"id":7843,"date":"2017-07-08T12:16:08","date_gmt":"2017-07-08T12:16:08","guid":{"rendered":""},"modified":"2021-05-21T13:14:24","modified_gmt":"2021-05-21T13:14:24","slug":"instrumentet-e-pageses-elektronike-dhe-bankingu-modern-ne-bankat-e-nivelit-te-dyte-ne-shqiperi-2013-deri-2015","status":"publish","type":"post","link":"https:\/\/ndiqparate.al\/?p=7843","title":{"rendered":"Instrumentet e Pages\u00ebs Elektronike dhe Bankingu Modern n\u00eb Bankat e Nivelit t\u00eb Dyt\u00eb n\u00eb Shqip\u00ebri  2013 deri 2015"},"content":{"rendered":"<div align=\"justify\">Open Data Albania po hulumton lidhur me produktet dhe sh\u00ebrbimet financiare t\u00eb Bankave t\u00eb Nivelit t\u00eb Dyt\u00eb t\u00eb li\u00e7ensuara nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb ushtruar aktivitetin brenda vendit si dhe Instrumentet e Pages\u00ebs Elektronike e Bankingun Modern t\u00eb ofruar nga Bankat e Nivelit t\u00eb Dyt\u00eb n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb. Bankat e Nivelit t\u00eb Dyt\u00eb, jan\u00eb shoq\u00ebri me seli n\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb, q\u00eb ushtrojn\u00eb veprimtari bankare duke p\u00ebrfshir\u00eb por pa u kufizuar me pranimin e depozitave monetare ose i fondeve t\u00eb tjera t\u00eb ripagueshme nga publiku dhe p\u00ebrdorimi i tyre p\u00ebr dh\u00ebnie kredie, si dhe emetimi i mjeteve t\u00eb pages\u00ebs n\u00eb form\u00ebn e paras\u00eb elektronike. Sipas rregullores s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb s\u00eb miratuar me vendimin nr. 11, dat\u00eb 06.02.2008 P\u00ebr instrumentet e pagesave elektronike: Instrument i pagesave elektronike (IPE) \u00ebsht\u00eb instrumenti q\u00eb i mund\u00ebson mbajt\u00ebsit t\u00eb kryej\u00eb pagesa elektronike (n\u00ebp\u00ebrmjet nj\u00eb karte q\u00eb p\u00ebrmban nj\u00eb shirit magnetik, nj\u00eb mikro qark ose nj\u00eb kod identifikues). K\u00ebtu p\u00ebrfshihen si instrumentet e pagesave me akses n\u00eb distanc\u00eb, ashtu edhe instrumentet e paras\u00eb elektronike.<\/p>\n<p><b>Instrument i pagesave me akses n\u00eb distanc\u00eb <\/b>\u2013 \u00ebsht\u00eb nj\u00eb instrument, q\u00eb i mund\u00ebson mbajt\u00ebsit t\u00eb aksesoj\u00eb fondet n\u00eb llogarin\u00eb e tij n\u00eb nj\u00eb bank\u00eb, zakonisht n\u00ebp\u00ebrmjet numrit t\u00eb identifikimit personal dhe ose mjeteve t\u00eb tjetra t\u00eb identifikimit. K\u00ebtu p\u00ebrfshihen: kartat eletronike bankare (krediti dhe debiti) jan\u00eb instrumente t\u00eb pages\u00ebs elektronike, t\u00eb emetuara nga bankat p\u00ebr t\u00eb kryer pagesa bankare. Kartat mund t\u00eb jen\u00eb krediti t\u00eb cilat mund\u00ebsojn\u00eb huamarrjen p\u00ebrtej limitit t\u00eb gjendjes n\u00eb llogari dhe karta debiti t\u00eb cilat nuk mund\u00ebsojn\u00eb huamarrje, por vet\u00ebm p\u00ebrdorim t\u00eb gjendjes n\u00eb llogari; bankomatet (ATM) jan\u00eb pajisje (makineri) elektronike bankare, t\u00eb cilat u lejojn\u00eb klient\u00ebve t\u00eb kryejn\u00eb t\u00ebrheqin apo depozitojn\u00eb para pa ndihm\u00ebn fizike t\u00eb nj\u00eb p\u00ebrfaq\u00ebsuesi t\u00eb bank\u00ebs n\u00eb vende t\u00eb ndryshme; pikat e shitjes (POS) \u00ebsht\u00eb vendi ku b\u00ebhen shitjet. POS-et mund t\u00eb jet\u00eb nj\u00eb qend\u00ebr tregtare, nj\u00eb treg ose nj\u00eb qytet. Nga pik\u00ebpamja e shit\u00ebsit nj\u00eb POS konsiderohet si zon\u00eb ku nj\u00eb klient kompleton nj\u00eb transaksion me mjete t\u00eb pages\u00ebs n\u00eb distanc\u00eb (karta bankare), dhe sh\u00ebrbimet e tjera elektronike bankare.<br \/>\n&nbsp;<br \/>\n<b>Sh\u00ebrbime t\u00eb tjera elektronike bankare <\/b>\u2013 jan\u00eb sh\u00ebrbimet bankare t\u00eb realizuara online, t\u00eb cilat mund t\u00eb aksesohen nga klient\u00ebt e subjekteve t\u00eb k\u00ebsaj rregulloreje, n\u00ebp\u00ebrmjet p\u00ebrdorimit t\u00eb mjeteve t\u00eb ndryshme t\u00eb telekomunikacionit, si p\u00ebr shembull, telefoni, celulari, terminalet ose kompjuter\u00ebt personal\u00eb etj. N\u00eb k\u00ebto sh\u00ebrbime futen: E-banking \u00ebsht\u00eb sh\u00ebrbimi n\u00eb distanc\u00eb, n\u00ebp\u00ebrmjet kanaleve elektronike t\u00eb shp\u00ebrndarjes dhe t\u00eb komunikimit (kryesisht internetit), i produkteve dhe i sh\u00ebrbimeve bankare, brenda veprimtarive t\u00eb lejuara p\u00ebr bankat e nivelit t\u00eb dyt\u00eb (sipas p\u00ebrkufizimit n\u00eb rregulloren&nbsp; BSH \u201cP\u00ebr mbik\u00ebqyrjen e transaksioneve bankare n\u00eb rrug\u00eb elektronike\u201d); Mobile Banking \u00ebsht\u00eb nj\u00eb sh\u00ebrbim financiar 24 or\u00ebsh q\u00eb lejon nj\u00eb p\u00ebrdorues t\u00eb ekzekutoj\u00eb transaksionet financiare n\u00eb distanc\u00eb n\u00ebp\u00ebrmjet nj\u00eb pajisjeje inteligjente (telefon celular, tablet etj.); Tregtia Elektronike (E-commerce), nj\u00eb sh\u00ebrbim q\u00eb mund\u00ebson nj\u00eb firm\u00eb ose individ p\u00ebr t\u00eb kryer biznes n\u00eb nj\u00eb rrjet elektronik, zakonisht n\u00eb internet.<\/p>\n<p>N\u00eb baz\u00eb t\u00eb t\u00eb dh\u00ebnave zyrtare nga Shoqata Shqiptare e Bankave dhe nga faqet zyrtare t\u00eb internetit t\u00eb bankave, gjat\u00eb periudh\u00ebs 2013 \u2013 2015 bankat e nivelit t\u00eb dyt\u00eb ofronin produktet dhe sh\u00ebrbimet financiare elektronike e moderne si vijon: N\u00eb fund t\u00eb vitit 2015, sistemi bankar n\u00eb Shqip\u00ebri ofronte n\u00eb total: 1.041.796 karta elektronike me nj\u00eb rritje prej rreth 21.1% krahasuar me vitin 2013; nga k\u00ebto, rreth 955.856 (ose 92%) jan\u00eb karta debiti dhe kan\u00eb nj\u00eb rritje prej 21.5% q\u00eb nga viti 2013, dhe rreth 86.016 (ose 8%) jan\u00eb karta krediti dhe kan\u00eb nj\u00eb rritje prej 16.8% krahasuar me vitin 2013; jan\u00eb 8.310 POS me nj\u00eb rritje prej rreth 27.1% krahasuar me vitin 2013; jan\u00eb 3 banka (Raiffeisen, BKT dhe Credins) q\u00eb ofrojn\u00eb t\u00eb gjith\u00eb instrumentet e pages\u00ebs elektronike s\u00eb bashku m\u00eb t\u00eb gjith\u00eb sh\u00ebrbimet e bankingut modern; dhe 7 banka (Raiffeisen, Veneto, BKT, Tirana, Aplha, Procredit dhe Credins) ofrojn\u00eb t\u00eb gjith\u00eb instrumentet e pages\u00ebs elektronike; 2 banka (Banka e Bashkuar e Shqip\u00ebris\u00eb dhe Banka e Kreditit e Shqip\u00ebris\u00eb) nuk ofrojn\u00eb asnj\u00ebrin prej instrumenteve t\u00eb pages\u00ebs elektronike apo sh\u00ebrbimeve t\u00eb bankingut modern; Viti m\u00eb zhvillimin m\u00eb t\u00eb madh t\u00eb instrumenteve t\u00eb pages\u00ebs elektronike konsiderohet viti 2015, ku secili prej produkteve t\u00eb ofruara nga bankat pati nj\u00eb rritje nga 15% deri n\u00eb 20%, krahasuar me vitin paraardh\u00ebs, nd\u00ebrkoh\u00eb kjo rritje n\u00eb vitin 2014 rezultonte t\u00eb ishte rreth 6% krahasuar me vitin paraardh\u00ebs.<\/p>\n<p><b>Sherbimet e Instrumentave te Pageses Elektronike dhe Bankingut Modern ne Bankat e Nivelit te Dyte ne Shqiperi &#8211; 2013-2014-2015&nbsp;<\/b><\/p>\n<\/div>\n<p><img alt=\"\" border=\"0\" src=\"\/uploadserise\/foto\/tabela-ekonomia.png\"><br \/>\n<sup><br \/>\nBurimi: Faqet zyrtare te bankave te nivelit te dyte ne Shqiperi dhe Shoqata Shqiptare e Bankave<br \/>\nKomentet dhe Analiza: ODA <\/sup><br \/>\n<sup><iframe seamless=\"\" scrolling=\"no\" width=\"626\" height=\"381.5\" frameborder=\"0\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/11Grr4HXVel9gpyFOYuC1VjSuA_qlqYYQCd7I74d_pkI\/pubchart?oid=1990366224&amp;format=interactive\"><\/iframe><br \/>\nBurimi: Faqet zyrtare te bankave te nivelit te dyte ne Shqiperi dhe Shoqata Shqiptare e Bankave<br \/>\nKomentet dhe Analiza: ODA<br \/>\n<\/sup><\/p>\n<p><iframe seamless=\"\" scrolling=\"no\" width=\"625.5\" height=\"371\" frameborder=\"0\" src=\"https:\/\/docs.google.com\/spreadsheets\/d\/11Grr4HXVel9gpyFOYuC1VjSuA_qlqYYQCd7I74d_pkI\/pubchart?oid=1772620859&amp;format=interactive\"><\/iframe><br \/>\n<sup>Burimi: Faqet zyrtare te bankave te nivelit te dyte ne Shqiperi dhe Shoqata Shqiptare e Bankave<br \/>\nKomentet dhe Analiza: ODA<br \/>\n<\/sup><br \/>\n<b><br \/>\n<\/b><\/p>\n<div align=\"justify\"><b>Kartat Elektronike (Debit dhe Kredit)<\/b> n\u00eb fund t\u00eb vitit 2015 ishin 14 banka t\u00eb cilat ofronin karta elektronike p\u00ebr klient\u00ebt e tyre, nga t\u00eb cilat: Bankat me numrin m\u00eb t\u00eb madh t\u00eb kartave elektronike t\u00eb emetuara ishin BKT me 279 975 karta (27% e totalit), Raiffiesen me 217 807 karta (21% e totalit) dhe Credins me 102 821 karta (10% e totalit). Bankat me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb kartave elektronike t\u00eb emetuara ishin Banka Nd\u00ebrkomb\u00ebtare Tregtare me 2 272 karta (0.2% e totalit), Banka Amerikane e Investimeve me 11 375 karta (1.1% e totalit) dhe Banka Veneto me 12 523 karta (1.2% e totalit). 2 banka nuk ofrojn\u00eb asnj\u00eb kart\u00eb elektronike p\u00ebr klient\u00ebt e tyre.<\/p>\n<p>Bankat me rritjen m\u00eb t\u00eb madhe n\u00eb ofrimin e kartave elektronike n\u00eb periudh\u00ebn 2013-2015, jan\u00eb BKT me nj\u00eb rritje prej 98.8%, Banka Veneto me nj\u00eb rritje prej 50.7% dhe Alpha Bank me nj\u00eb rritje prej 31.3%. Bankat me r\u00ebnien m\u00eb t\u00eb madhe n\u00eb ofrimin e kartave elektronike p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb jan\u00eb Banka Union me -21.5%, Banka Amerikane e Investimeve me -9.8% dhe Banka Procredit me -7.8%.<\/p>\n<p><b>Kartat e Debitit<\/b> n\u00eb fund t\u00eb vitit 2015 ishin 14 banka t\u00eb cilat ofronin karta debiti p\u00ebr klient\u00ebt e tyre, nga t\u00eb cilat: Bankat me numrin m\u00eb t\u00eb madh t\u00eb kartave t\u00eb debitit t\u00eb emetuara ishin BKT me 241.539 karta (25.3% e totalit), Raiffiesen me 194.191 karta (20.3% e totalit) dhe Credins me 99.188 karta (10.4% e totalit). Bankat me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb kartave t\u00eb debitit t\u00eb emetuara ishin Banka Nd\u00ebrkomb\u00ebtare Tregtare me 2.272 karta (0.2% e totalit), Banka Amerikane e Investimeve me 10.675 karta (1.1% e totalit) dhe Banka Veneto me 12.137 karta (1.3% e totalit). 2 banka nuk ofrojn\u00eb karta debiti p\u00ebr klient\u00ebt e tyre; Bankat me rritjen m\u00eb t\u00eb madhe n\u00eb ofrimin e kartave t\u00eb debitit n\u00eb periudh\u00ebn 2013-2015, jan\u00eb BKT me nj\u00eb rritje prej 108.8%, Banka Veneto me nj\u00eb rritje prej 49% dhe Banka Alpha me nj\u00eb rritje prej 34.7%. Bankat me r\u00ebnien m\u00eb t\u00eb madhe n\u00eb ofrimin e kartave t\u00eb debitit p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb jan\u00eb Banka Union me -24.1%, Banka Amerikane e Investimeve me -9.7% dhe Banka Procredit me -7%.<\/p>\n<p>Kartat e Kreditit n\u00eb fund t\u00eb vitit 2015 ishin 11 banka t\u00eb cilat ofronin karta krediti p\u00ebr klient\u00ebt e tyre, nga t\u00eb cilat: Bankat me numrin m\u00eb t\u00eb madh t\u00eb kartave t\u00eb kreditit t\u00eb emetuara ishin BKT me 38 412 karta (44.7% e totalit), Raiffiesen me 23 616 karta (27.5% e totalit) dhe Banka Alpha me 7 915 karta (9.2% e totalit). Bankat me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb kartave t\u00eb kreditit t\u00eb emetuara ishin Banka Veneto me 386 karta (0.4% e totalit), Banka NBG me 465 karta (0.5% e totalit) dhe Banka Amerikane e Investimeve me 700 karta (0.8% e totalit). 5 banka nuk ofrojn\u00eb karta krediti p\u00ebr klient\u00ebt e tyre;<\/p>\n<p><b>Pikat e Shitjes (POS)<\/b> \u2013 n\u00eb fund t\u00eb vitit 2015 ishin 8 nga 16 banka t\u00eb cilat ofronin pajisjet POS p\u00ebr klient\u00ebt e tyre, nga t\u00eb cilat: Bankat me numrin m\u00eb t\u00eb madh t\u00eb pikave POS ishin BKT me 3 748 pajisje (45.1% e totalit), Raiffiesen me 1 347 pajisje (16.2% e totalit) dhe Banka Alpha me 1 310 pajisje (15.8% e totalit). Bankat me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb pikave POS ishin Banka Veneto me 112 pajisje (1.3% e totalit) dhe Banka Tirana me 245 pajisje (2.9% e totalit); Bankat me rritjen m\u00eb t\u00eb madhe n\u00eb ofrimin e pikave POS n\u00eb periudh\u00ebn 2013 me 2015, jan\u00eb Banka Veneto me nj\u00eb rritje prej 600%, BKT me nj\u00eb rritje prej 83.2% dhe Banka Credins me nj\u00eb rritje prej 26.8%. Bankat me r\u00ebnien m\u00eb t\u00eb madhe n\u00eb ofrimin e pikave POS p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb jan\u00eb Banka Tirana me -19% dhe Banka Instesa Sanpaolo me -14.6%.<\/p>\n<p><b>Sh\u00ebrbimet e Bankingut Modern <\/b>\u2013 n\u00eb fund t\u00eb vitit 2015 ishin 12 banka nga 16 q\u00eb ofronin sh\u00ebrbimin e E-Banking, 8 banka q\u00eb ofronin sh\u00ebrbimin M-Banking dhe 3 banka q\u00eb ofronin sh\u00ebrbimin e E-Commerce.<\/p>\n<\/div>\n<p><b>Instrumentet e Pageses Elektronike ne Bankat e Nivelit te Dyte ne Shqiperi &#8211; 2013-2014-2015<\/b><\/p>\n<p><sup><img alt=\"\" border=\"0\" src=\"\/uploadserise\/foto\/numrat-tabela.png\"><\/sup><\/p>\n<p>Burimi: Faqet zyrtare te bankave te nivelit te dyte ne Shqiperi dhe Shoqata Shqiptare e Bankave<br \/>\nKomentet dhe Analiza: ODA<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Open Data Albania po hulumton lidhur me produktet dhe sh\u00ebrbimet financiare t\u00eb Bankave t\u00eb Nivelit t\u00eb Dyt\u00eb t\u00eb li\u00e7ensuara nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb ushtruar aktivitetin brenda vendit si dhe Instrumentet e Pages\u00ebs Elektronike e Bankingun Modern t\u00eb ofruar nga Bankat e Nivelit t\u00eb Dyt\u00eb n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb. Bankat e Nivelit t\u00eb Dyt\u00eb, jan\u00eb shoq\u00ebri me seli n\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb,&hellip; <\/p>\n","protected":false},"author":1,"featured_media":12102,"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:\/\/i1.wp.com\/ndiqparate.al\/wp-content\/uploads\/2017\/07\/download-24.png?fit=563%2C342&ssl=1","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":22893,"url":"https:\/\/ndiqparate.al\/?p=22893","url_meta":{"origin":7843,"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":7843,"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":24997,"url":"https:\/\/ndiqparate.al\/?p=24997","url_meta":{"origin":7843,"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":24492,"url":"https:\/\/ndiqparate.al\/?p=24492","url_meta":{"origin":7843,"position":3},"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":24406,"url":"https:\/\/ndiqparate.al\/?p=24406","url_meta":{"origin":7843,"position":4},"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":22454,"url":"https:\/\/ndiqparate.al\/?p=22454","url_meta":{"origin":7843,"position":5},"title":"Buxheti vjetor i Institucioneve t\u00eb Pavarura, Niveli i Realizimit 2020 \u2013 2024","date":"August 6, 2024","format":false,"excerpt":"Ky artikull hulumtues identifikon buxhetin e planifikuar dhe at\u00eb t\u00eb konsoliduar p\u00ebr Institucionet e Pavarura q\u00eb veprojn\u00eb n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb p\u00ebr periudh\u00ebn 2020 deri 2024. 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