{"id":273558,"date":"2019-02-11T17:49:47","date_gmt":"2019-02-11T16:49:47","guid":{"rendered":"https:\/\/hashtag.al\/?p=273558"},"modified":"2019-02-11T17:54:46","modified_gmt":"2019-02-11T16:54:46","slug":"bota-e-mrekullueshme-e-parase","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/02\/11\/bota-e-mrekullueshme-e-parase\/","title":{"rendered":"Bota e mrekullueshme e paras\u00eb","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"


\n\"\"<\/span><\/p>\n

Nga Klodian Tomorri<\/strong><\/span><\/p>\n

S\u00eb pari paraja n\u00eb qarkullim nuk ka r\u00ebn\u00eb<\/span><\/p>\n

Vitin e kaluar paraja n\u00eb qarkullim u rrit me 4 p\u00ebr qind ose 12 miliard\u00eb lek\u00eb. Paraja n\u00eb qarkullim \u00ebsht\u00eb paraja CASH jasht\u00eb bankave, q\u00eb kan\u00eb n\u00eb duar bizneset dhe familjet. Pra \u00ebsht\u00eb paraja q\u00eb p\u00ebrdoret n\u00eb transaksionet e p\u00ebrditshme. N\u00eb kushtet e inflacionit t\u00eb ul\u00ebt si\u00e7 \u00ebsht\u00eb Shqip\u00ebria aktualisht, rritja e paras\u00eb n\u00eb qarkullim p\u00ebrgjith\u00ebsisht ka tre arsye. Ajo tregon ose rritje t\u00eb informalitetit ose rritje t\u00eb shpenzimeve familjare (pra rritje t\u00eb konsumit) ose ngadal\u00ebsimin e shpejt\u00ebsis\u00eb me t\u00eb cil\u00ebn l\u00ebviz paraja. Kaq p\u00ebr paran\u00eb n\u00eb qarkullim.<\/span><\/p>\n

Ajo q\u00eb debatohet sot n\u00eb Shqip\u00ebri \u00ebsht\u00eb paraja e gjer\u00eb (M3), e cila \u00ebsht\u00eb nj\u00eb koncept krejt i ndrysh\u00ebm nga paraja n\u00eb qarkullim. Ky \u00ebsht\u00eb treguesi q\u00eb ka r\u00ebn\u00eb. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vitin e kaluar M3 u ul 3 miliard\u00eb lek\u00eb ose 0.2 per qind.<\/span><\/p>\n

Por a do t\u00eb thot\u00eb r\u00ebnia e M3 se ka r\u00ebn\u00eb ekonomia apo se po ngadal\u00ebsohet rritja ekonomike? P\u00ebrgjigja \u00ebsht\u00eb JO. P\u00ebr ta kuptuar k\u00ebt\u00eb s\u00eb pari nevojitet t\u00eb kuptohet cfar\u00eb \u00ebsht\u00eb M3 dhe si matet ai. Formula \u00ebsht\u00eb si m\u00eb posht\u00eb:<\/span><\/p>\n

M3 = Paraja n\u00eb qarkullim + llogarit\u00eb rrjedh\u00ebse + depozitat n\u00eb lek\u00eb deri n\u00eb 2 vjet+ depozitat n\u00eb valut\u00eb.<\/span><\/p>\n

Pra M3 ka shum\u00eb gjera brenda dhe paraja n\u00eb qarkullim \u00ebsht\u00eb vet\u00ebm nj\u00eb fraksion i vog\u00ebl i tij. Tani pse \u00ebsht\u00eb ulur M3 n\u00eb ekonomin\u00eb shqiptare. Arsyet gjenden tek formula m\u00eb sip\u00ebr.<\/span><\/p>\n

S\u00cb PARI DEPOZITAT N\u00cb VALUT\u00cb <\/span><\/strong><\/p>\n

Shqiptar\u00ebt kan\u00eb 4 miliard\u00eb euro depozita n\u00eb banka, por vitin e kaluar euro u zhvler\u00ebsua me 7.5 p\u00ebr qind ndaj lekut. Meq\u00ebn\u00ebse M3 shprehet n\u00eb lek\u00eb vet\u00ebm si pasoj\u00eb e zhvler\u00ebsimit t\u00eb Euros, ai \u00ebsht\u00eb ulur me 30 miliard\u00eb lek\u00eb. E th\u00ebn\u00eb me thjesht\u00eb n\u00ebse euro do kishte t\u00eb nj\u00ebjtin kurs k\u00ebmbimi ndaj lekut si n\u00eb 2017-\u00ebn at\u00ebher\u00eb M3 n\u00eb Shqip\u00ebri, jo vet\u00ebm q\u00eb nuk do kishte r\u00ebn\u00eb vitin e kaluar, por do ishte rritur me 27 miliard\u00eb lek\u00eb.<\/span><\/p>\n

S\u00cb DYTI, ZHVENDOSJA E DEPOZITAVE DREJT MATURIMEVE M\u00cb T\u00cb GJATA<\/strong>. <\/span><\/p>\n

Tek formula lart M3 llogarit\u00eb vet\u00ebm depozitat n\u00eb lek\u00eb deri n\u00eb dy vjet. Por Banka e Shqip\u00ebris\u00eb thot\u00eb se vitin e kaluar nj\u00eb pjes\u00eb e qytetar\u00ebve i kan\u00eb zhvendosur kursimet nga depozita n\u00ebn dy vjet n\u00eb depozita mbi k\u00ebt\u00eb afat. Rrjedhimisht ato nuk llogariten m\u00eb n\u00eb ofert\u00ebn monetare.<\/span><\/p>\n

S\u00cb TRETI, STANJACIONI I KREDIVE. <\/span><\/strong><\/p>\n

Bankat prodhojn\u00eb para nga hi\u00e7i. Supozojm\u00eb se nj\u00eb individ depoziton 100 lek\u00eb n\u00eb bank\u00eb. K\u00ebt\u00eb 100 lek\u00ebsh banka e merr dhe ja jep kredi nj\u00eb individi tjet\u00ebr, i cili me k\u00ebto para shkon blen nj\u00eb sht\u00ebpi. Nd\u00ebrtuesi e merr 100 lek\u00ebshin dhe e fut prap\u00eb n\u00eb bank\u00eb. Pra n\u00eb fillim kishim vet\u00ebm 100 lek\u00eb depozita, por tani ato u b\u00ebn\u00eb 200 lek\u00eb (100 t\u00eb individit q\u00eb i depozitoi n\u00eb fillim dhe 100 lek\u00eb t\u00eb nd\u00ebrtuesit).<\/span><\/p>\n

Vet\u00ebm si pasoj\u00eb e k\u00ebtij transaksioni oferta monetare u dyfishua edhe pse sasia fizike e paras\u00eb \u00ebsht\u00eb vet\u00ebm 100 lek\u00eb. Kjo \u00ebsht\u00eb m\u00ebnyra se si bankat krijojn\u00eb para nga hi\u00e7i. Tani \u00e7far\u00eb ka ndodhur n\u00eb Shqip\u00ebri? Meq\u00ebn\u00ebse kredia \u00ebsht\u00eb n\u00eb stanjacion, ky proces i krijimit t\u00eb paras\u00eb ka ndaluar. Dhe kjo shpjegon se pse nuk po rriten as depozitat dhe as M3.<\/span><\/p>\n

Kjo \u00ebsht\u00eb bota e mrekullueshme e paras\u00eb.<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Nga Klodian Tomorri S\u00eb pari paraja n\u00eb qarkullim nuk ka r\u00ebn\u00eb Vitin e kaluar paraja n\u00eb qarkullim u rrit me 4 p\u00ebr qind ose 12 miliard\u00eb lek\u00eb. Paraja n\u00eb qarkullim \u00ebsht\u00eb paraja CASH jasht\u00eb bankave, q\u00eb kan\u00eb n\u00eb duar bizneset dhe familjet. Pra \u00ebsht\u00eb paraja q\u00eb p\u00ebrdoret n\u00eb transaksionet e p\u00ebrditshme. N\u00eb kushtet e inflacionit […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":6,"featured_media":139744,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,65,13],"tags":[],"class_list":["post-273558","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","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\/273558","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=273558"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/273558\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=273558"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=273558"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=273558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}