{"id":271876,"date":"2019-02-05T15:18:08","date_gmt":"2019-02-05T14:18:08","guid":{"rendered":"https:\/\/hashtag.al\/?p=271876"},"modified":"2019-02-05T15:18:39","modified_gmt":"2019-02-05T14:18:39","slug":"kredia-per-ekonomine-me-renien-me-te-madhe-historike-ne-2018-n","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/02\/05\/kredia-per-ekonomine-me-renien-me-te-madhe-historike-ne-2018-n\/","title":{"rendered":"Kredia p\u00ebr ekonomin\u00eb, me r\u00ebnien m\u00eb t\u00eb madhe historike n\u00eb 2018-n","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Stoku i huas\u00eb p\u00ebr ekonomin\u00eb zbriti n\u00eb 532.6 miliard\u00eb lek\u00eb n\u00eb dhjetor t\u00eb vitit 2018, sipas t\u00eb dh\u00ebnave q\u00eb jan\u00eb publikuar sot nga banka e Shqip\u00ebris\u00eb. N\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, kredia e dh\u00ebn\u00eb p\u00ebr bizneset, individ\u00ebt dhe institucionet shtet\u00ebrore ka r\u00ebn\u00eb me 3.2%, ose rreth 17 miliard\u00eb lek\u00eb m\u00eb pak.<\/span><\/p>\n

T\u00eb dh\u00ebnat historike t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se kjo \u00ebsht\u00eb r\u00ebnia m\u00eb e madhe vjetore historike, t\u00eb pakt\u00ebn q\u00eb nga viti 1997.<\/span><\/p>\n

Nga fillimi i viteve 2000 deri n\u00eb 2011-n, huaja p\u00ebr ekonomin\u00eb u rrit me ritme t\u00eb shpejta, edhe me 50% n\u00eb periudh\u00ebn 2006-2007. M\u00eb pas, ritmet u ngadal\u00ebsuan, sidomos pas 2008-s, kur jo vet\u00ebm vendi filloi t\u00eb ndjente pasojat e kredis\u00eb globale, por edhe kredia e pakthyer n\u00eb banka arriti n\u00eb 25%.<\/span><\/p>\n

Pas k\u00ebsaj periudhe huadh\u00ebnia p\u00ebr ekonomin\u00eb hyri n\u00eb ng\u00ebr\u00e7, duke reflektuar kujdesin e shtuar t\u00eb bankave dhe munges\u00ebn e projekteve fisib\u00ebl nga biznesi.<\/span><\/p>\n

N\u00eb vitin 2018, r\u00ebnia ka ardhur si rrjedhoj\u00eb e disa faktor\u00ebve, q\u00eb lidhen me tkurrjen e kredis\u00eb p\u00ebr bizneset dhe korporatat publike nga nj\u00ebra an\u00eb dhe me n\u00ebn\u00e7mimin e euros dhe fshirjen e kredive nga ana tjet\u00ebr. M\u00eb e q\u00ebndrueshme ka qen\u00eb huadh\u00ebnia p\u00ebr individ\u00ebt. Sipas deklarimeve t\u00eb m\u00ebparshme t\u00eb guvernatorit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, n\u00ebse hiqet efekti i euros dhe fshirjes, huaja p\u00ebr ekonomin\u00eb \u00ebsht\u00eb rritur me rreth 5%.<\/span><\/p>\n

\u2013 Kredia p\u00ebr korporatat jofinanciare publike ra me 44% (-16.4 miliard\u00eb lek\u00eb), ku ndikimin kryesor e dha ristrukturimi i huas\u00eb s\u00eb Koorporat\u00ebs Elektroenergjetike Shqiptare (KESH), nga nj\u00eb hua e Bank\u00ebs Europiane P\u00ebr Rind\u00ebrtim dhe Zhvillim, \u00e7ka solli q\u00eb huaja t\u2019u shlyhej bankave vendase.<\/span><\/p>\n

-Edhe kredia p\u00ebr bizneset, q\u00eb z\u00eb pesh\u00ebn kryesore t\u00eb huas\u00eb q\u00eb bankat kan\u00eb dh\u00ebn\u00eb n\u00eb ekonomi (me gati 60% t\u00eb totalit), u tkurr me rreth 3% (-11.6 miliards\u00eb lek\u00eb). N\u00eb r\u00ebnie ishte si huaja n\u00eb lek\u00eb, ashtu dhe ajo n\u00eb valut\u00eb (kjo e fundit e ndikuar edhe nga zhvler\u00ebsimi i euros).<\/span><\/p>\n

Seyhan Pencapligil, drejtor i Bank\u00ebs Komb\u00ebtare Tregtare, m\u00eb t\u00eb madhes n\u00eb vend, ka pohuar n\u00eb nj\u00eb intervist\u00eb t\u00eb m\u00ebparshme p\u00ebr Monitor se ka nj\u00eb munges\u00eb k\u00ebrkese dhe ka pak projekte t\u00eb mira q\u00eb mund t\u2019u jepet hua. \u201c2018-a ishte nj\u00eb tjet\u00ebr vit ku investimet private ishin ve\u00e7an\u00ebrisht t\u00eb ul\u00ebta. Rezultati \u00ebsht\u00eb mungesa e projekteve t\u00eb sh\u00ebndetshme dhe fizib\u00ebl p\u00ebr investime. Duke th\u00ebn\u00eb k\u00ebt\u00eb, ne besojm\u00eb se shumica e bankave jan\u00eb gati p\u00ebr t\u00eb financuar projektet e duhura\u201d, ka pohuar ai.<\/span><\/p>\n

Ndryshe nga bizneset, bankat kan\u00eb qen\u00eb m\u00eb t\u00eb prirura t\u00eb financojn\u00eb individ\u00ebt, t\u00eb cil\u00ebt kan\u00eb rezultuar kredimarr\u00ebs m\u00eb t\u00eb mir\u00eb. Huaja p\u00ebr k\u00ebt\u00eb segment u rrit me 3.7% e udh\u00ebhequr nga monedha vendase nd\u00ebrsa n\u00eb valut\u00eb u reduktua, teksa bankat preferojn\u00eb t\u00eb kreditojn\u00eb individ\u00ebt n\u00eb monedh\u00ebn q\u00eb kan\u00eb t\u00eb ardhurat.<\/span><\/p>\n

N\u00eb fund t\u00eb 2018-s, kredia n\u00eb lek\u00eb zinte 50.7% t\u00eb totalit, me nj\u00eb rritje t\u00eb leht\u00eb nga 50.1% n\u00eb fund t\u00eb 2017-s. Q\u00eb prej vitit 2011, kur zinte 60% t\u00eb totalit, kredia n\u00eb valut\u00eb \u00ebsht\u00eb rezultuar n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme.<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/span><\/a><\/span><\/p>\n

\"\" \"\" \"\"<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Stoku i huas\u00eb p\u00ebr ekonomin\u00eb zbriti n\u00eb 532.6 miliard\u00eb lek\u00eb n\u00eb dhjetor t\u00eb vitit 2018, sipas t\u00eb dh\u00ebnave q\u00eb jan\u00eb publikuar sot nga banka e Shqip\u00ebris\u00eb. N\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, kredia e dh\u00ebn\u00eb p\u00ebr bizneset, individ\u00ebt dhe institucionet shtet\u00ebrore ka r\u00ebn\u00eb me 3.2%, ose rreth 17 miliard\u00eb lek\u00eb m\u00eb pak. T\u00eb dh\u00ebnat […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":271880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-271876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/271876","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=271876"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/271876\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/271880"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=271876"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=271876"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=271876"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}