{"id":293131,"date":"2019-04-29T07:19:34","date_gmt":"2019-04-29T05:19:34","guid":{"rendered":"https:\/\/hashtag.al\/?p=293131"},"modified":"2019-04-29T07:22:27","modified_gmt":"2019-04-29T05:22:27","slug":"kompanite-me-borxhe-13-e-te-medhave-financohen-nga-fajdet","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/04\/29\/kompanite-me-borxhe-13-e-te-medhave-financohen-nga-fajdet\/","title":{"rendered":"Kompanit\u00eb me borxhe, 13% e t\u00eb m\u00ebdhave financohen nga fajdet","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

R\u00ebnia e kredis\u00eb n\u00eb banka po shoq\u00ebrohet me nj\u00eb rritje t\u00eb financimeve nga tregu i zi.<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb n\u00eb nj\u00eb vrojtim me mbi 1300 biznese gjeti se huamarrja informale ishte nj\u00eb burim i r\u00ebnd\u00ebsish\u00ebm financimi p\u00ebr bizneset. Rreth 42.2% e totalit t\u00eb nd\u00ebrmarrjeve q\u00eb jan\u00eb p\u00ebrgjigjur (gjithsej 465 nd\u00ebrmarrje) pohojn\u00eb q\u00eb kan\u00eb nj\u00eb hua p\u00ebr t\u00eb paguar dhe kjo pesh\u00eb ka sh\u00ebnuar nj\u00eb r\u00ebnie t\u00eb leht\u00eb (me 0.3 pp) krahasuar me vrojtimin e gjasht\u00ebmujorit t\u00eb par\u00eb 2018.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb aspekt, huamarrja informale si burim m\u00eb vete apo i kombinuar \u00ebsht\u00eb p\u00ebrdorur nga 16.3% e nd\u00ebrmarrjeve t\u00eb vogla, 7.0% e nd\u00ebrmarrjeve t\u00eb mesme dhe 13.4% e nd\u00ebrmarrjeve t\u00eb m\u00ebdha n\u00eb gjasht\u00ebmujorin e dyt\u00eb t\u00eb vitit 2018.<\/span><\/p>\n

Nd\u00ebrmarrjet deklarojn\u00eb se i jan\u00eb drejtuar kryesisht sektorit bankar si burim huamarrjeje (85.4% e totalit) dhe kjo pesh\u00eb ka sh\u00ebnuar nj\u00eb r\u00ebnie vjetore me 6 pik\u00eb %.<\/span>
\nT\u00eb ndara sipas madh\u00ebsis\u00eb, 79.1% e nd\u00ebrmarrjeve t\u00eb vogla, 91.2% e atyre t\u00eb mesme dhe 85.1% e nd\u00ebrmarrjeve t\u00eb m\u00ebdha, kan\u00eb p\u00ebrfituar hua vet\u00ebm nga bankat.<\/span><\/p>\n

N\u00eb terma 6-mujor\u00eb, pesha e numrit t\u00eb nd\u00ebrmarrjeve huamarr\u00ebse nga bankat duket se \u00ebsht\u00eb rritur vet\u00ebm n\u00eb rastin e nd\u00ebrmarrjeve t\u00eb mesme, nd\u00ebrkoh\u00eb q\u00eb ka mbetur e pandryshuar p\u00ebr nd\u00ebrmarrjet e vogla dhe n\u00eb r\u00ebnie p\u00ebr ato t\u00eb m\u00ebdha.<\/span><\/p>\n

T\u00eb pyetur se si do t\u00eb vepronin n\u00ebse nuk do t\u00eb financoheshin nga bankat, pjesa kryesore e nd\u00ebrmarrjeve t\u00eb vogla (54.5%), atyre t\u00eb mesme (44%) dhe t\u00eb m\u00ebdha (41.1%), pohojn\u00eb se do t\u00eb merrnin hua nga burime alternative, dhe k\u00ebto pesha jan\u00eb rritur krahasuar me gjasht\u00ebmujorin e kaluar.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, rreth 39.8% e nd\u00ebrmarrjeve t\u00eb m\u00ebdha, 34% e nd\u00ebrmarrjeve t\u00eb mesme dhe 28% e atyre t\u00eb vogla, kan\u00eb deklaruar se do t\u00eb riaplikonin n\u00eb nj\u00eb bank\u00eb apo institucion tjet\u00ebr financiar.<\/span><\/p>\n

Gjat\u00eb periudh\u00ebs, duket se p\u00ebrqindja e nd\u00ebrmarrjeve q\u00eb pohojn\u00eb se do t\u2019i shtyjn\u00eb n\u00eb koh\u00eb planet e tyre p\u00ebr zgjerim ka r\u00ebn\u00eb krahasuar me vrojtimin e kaluar, p\u00ebr t\u00eb tre grupet e nd\u00ebrmarrjeve.<\/span>
\nNd\u00ebrmarrjet q\u00eb nuk kan\u00eb aplikuar p\u00ebr hua, n\u00eb shumic\u00ebn e rasteve, pohojn\u00eb se nuk e kan\u00eb t\u00eb nevojshme p\u00ebr veprimtarin\u00eb q\u00eb kryejn\u00eb, dhe pesha e k\u00ebsaj kategorie rezulton m\u00eb e lart\u00eb tek nd\u00ebrmarrjet e m\u00ebdha.<\/span><\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n

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

R\u00ebnia e kredis\u00eb n\u00eb banka po shoq\u00ebrohet me nj\u00eb rritje t\u00eb financimeve nga tregu i zi. Banka e Shqip\u00ebris\u00eb n\u00eb nj\u00eb vrojtim me mbi 1300 biznese gjeti se huamarrja informale ishte nj\u00eb burim i r\u00ebnd\u00ebsish\u00ebm financimi p\u00ebr bizneset. Rreth 42.2% e totalit t\u00eb nd\u00ebrmarrjeve q\u00eb jan\u00eb p\u00ebrgjigjur (gjithsej 465 nd\u00ebrmarrje) pohojn\u00eb q\u00eb kan\u00eb nj\u00eb hua […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":293133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-293131","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\/293131","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\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=293131"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/293131\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/293133"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=293131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=293131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=293131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}