![\"\"](\"https:\/\/hashtag.al\/wp-content\/uploads\/2018\/01\/njerez.jpg\")
<\/p>\n<\/p>\n
Paraja jasht\u00eb bankave ka ardhur n\u00eb ulje gjat\u00eb dekad\u00ebs s\u00eb fundit, por n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb k\u00ebtij viti, kursimet e familjeve shqiptare n\u00eb para jasht\u00eb sistemit bankar p\u00ebrbenin 26 % t\u00eb totalit t\u00eb kursimeve, niveli m\u00eb i lart\u00eb i tre vitet e fundit.<\/span><\/p>\n Nj\u00eb vrojtim i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr shp\u00ebrndarjen e pasuris\u00eb financiare t\u00eb familjeve n\u00eb Shqip\u00ebri gjeti se, kjo p\u00ebrqindje u mbajt si kursim jasht\u00eb sistemit (18%), si borxh tek t\u00eb tjer\u00ebt\u00a0 (2%) dhe investime n\u00eb m\u00ebnyra t\u00eb tjera me m\u00eb fitim jasht\u00eb bankave (6%).<\/span><\/p>\n Si kursime n\u00eb para, shqiptar\u00ebt mbajn\u00eb 18 p\u00ebr qind jasht\u00eb bankave. Treguesi p\u00ebsoi rritje me 3 pik\u00eb p\u00ebrqindje n\u00eb raport me nj\u00eb vit m\u00eb par\u00eb, ku kursimet n\u00eb vlera monetare jasht\u00eb sistemit bankar ishin 15%, por ai \u00ebsht\u00eb shum\u00eb m\u00eb i ul\u00ebt se n\u00eb 2013-n, kur zinte 40%.\u00a0 P\u00ebr rrjedhoj\u00eb depozitat n\u00eb banka p\u00ebrb\u00ebnin n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb k\u00ebtij viti 74 p\u00ebr qind t\u00eb kursimeve t\u00eb familjeve shqiptare nga 81 p\u00ebr qind q\u00eb ishte treguesi n\u00eb gjasht\u00ebmujorin e par\u00eb 2017.<\/span><\/p>\n Gjithashtu Banka e Shqip\u00ebris\u00eb ka v\u00ebrejtur se familjet shqiptare kan\u00eb dh\u00ebn\u00eb hua tek t\u00eb tjer\u00ebt rreth 2% t\u00eb kursimeve t\u00eb tyre, ky tregues nj\u00eb vit m\u00eb par\u00eb ishte zero.<\/span><\/p>\n \u00cbsht\u00eb rritur ndjesh\u00ebm pesha e z\u00ebrit\u00a0 \u201cinvestime t\u00eb tjera\u201d t\u00eb cilat k\u00ebt\u00eb vit thithen 6 p\u00ebr qind t\u00eb kursimeve t\u00eb shqiptar\u00ebve, teksa ky z\u00eb ishte vet\u00ebm 3 p\u00ebr qind n\u00eb gjasht\u00ebmujorin e par\u00eb t\u00eb 2017-es.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb duke analizuar vet\u00ebm pjes\u00ebn e familjeve q\u00eb kan\u00eb deklaruar pasuri financiare t\u00eb formave t\u00eb ndryshme (duke p\u00ebrjashtuar rastet q\u00eb \u2018nuk kan\u00eb asnj\u00eb lloj pasurie financiare\u2019), rezulton se \u2018depozitat dhe\/ose llogarit\u00eb bankare\u2019 vijojn\u00eb t\u00eb mbeten lloji kryesor i investimit financiar.<\/span><\/p>\n Krahasuar me 6-mujorin e kaluar, k\u00ebto pesha kan\u00eb sh\u00ebnuar r\u00ebnie respektivisht me 7 pp dhe 8 pp. N\u00eb p\u00ebrgjith\u00ebsi, pesha e rasteve t\u00eb mbajtjes s\u00eb pasuris\u00eb financiare brenda sistemit (depozita\/llogari bankare, investime t\u00eb tjera) ka sh\u00ebnuar r\u00ebnie, si p\u00ebr grupin e familjeve huamarr\u00ebsve dhe p\u00ebr totalin e familjeve.<\/span><\/p>\n Rreth 26% e totalit t\u00eb familjeve deklaruan se nuk zot\u00ebrojn\u00eb asnj\u00eb lloj pasurie financiare, dhe k\u00ebto pesha jan\u00eb rritur respektivisht me 7 pik\u00eb p\u00ebrqindje dhe 4 pik\u00eb p\u00ebrqindje krahasuar me vrojtimin e 6 mujorit t\u00eb dyt\u00eb t\u00eb vitit 2017.<\/span><\/p>\n Niveli i p\u00ebrgjithsh\u00ebm i t\u00eb ardhurave dhe shpenzimeve t\u00eb familjeve \u00ebsht\u00eb rritur gjat\u00eb periudh\u00ebs s\u00eb vrojtuar, por rritja e shpenzimeve ka qen\u00eb m\u00eb e theksuar, duke rezultuar thellim t\u00eb deficitit t\u00eb familjeve.<\/span><\/p>\n Pyetjes mbi pasurit\u00eb financiare n\u00eb pron\u00ebsi t\u00eb familjeve t\u00eb intervistuara i jan\u00eb p\u00ebrgjigjur 1140 familje, nga 1142 familje q\u00eb kan\u00eb marr\u00eb pjes\u00eb n\u00eb vrojtim.<\/span><\/p>\n