{"id":430492,"date":"2021-02-17T08:11:31","date_gmt":"2021-02-17T07:11:31","guid":{"rendered":"https:\/\/hashtag.al\/?p=430492"},"modified":"2021-02-17T08:11:31","modified_gmt":"2021-02-17T07:11:31","slug":"numri-i-llogarive-bankare-bie-per-te-katertin-vit-radhazi-tkurrja-nga-bizneset","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2021\/02\/17\/numri-i-llogarive-bankare-bie-per-te-katertin-vit-radhazi-tkurrja-nga-bizneset\/","title":{"rendered":"Numri i llogarive bankare bie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi, tkurrja nga bizneset","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Numri i llogarive bankare p\u00ebsoi r\u00ebnie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi n\u00eb vitin 2020. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se numri total i llogarive bankare n\u00eb fund t\u00eb vitit ishte rreth 2.96 milion\u00eb, nga 2.98 milion\u00eb n\u00eb fund t\u00eb vitit 2019.<\/span><\/p>\n

Numri i llogarive ka p\u00ebsuar r\u00ebnie si p\u00ebr individ\u00ebt, ashtu edhe p\u00ebr bizneset rezidente, nd\u00ebrkoh\u00eb q\u00eb nj\u00eb nga segmentet e pakta ku numri i llogarive bankare \u00ebsht\u00eb shtuar \u00ebsht\u00eb ai i individ\u00ebve jorezident\u00eb.<\/span><\/p>\n

Numri i llogarive bankare n\u00eb Shqip\u00ebri arriti numrin m\u00eb t\u00eb lart\u00eb n\u00eb vitin 2016, me pothuajse 3.5 milion\u00eb. Q\u00eb at\u00ebher\u00eb, ka p\u00ebsuar r\u00ebnie t\u00eb vazhdueshme. Konsolidimi i sektorit bankar dhe ulja e numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb bankave mund t\u00eb jet\u00eb nj\u00eb faktor q\u00eb ka ndikuar n\u00eb k\u00ebt\u00eb drejtim. Megjithat\u00eb, ulja e numrit t\u00eb llogarive bankare \u00ebsht\u00eb nj\u00eb zhvillim deri diku paradoksal, po t\u00eb kemi parasysh se dep\u00ebrtimi i sh\u00ebrbimeve bankare n\u00eb Shqip\u00ebri ka ende potenciale t\u00eb konsiderueshme rritjeje.<\/span><\/p>\n

Pandemia e Covid-19 besohet se ka ndikuar n\u00eb uljen e numrit t\u00eb llogarive p\u00ebr vitin 2020. Mbyllja e bizneseve dhe ulja e pun\u00ebsimit mund t\u00eb supozohet se kan\u00eb sjell\u00eb edhe pak\u00ebsim t\u00eb llogarive bankare p\u00ebr individ\u00ebt dhe bizneset e mbyllura. P\u00ebr shembull, numri i llogarive t\u00eb biznesit u pak\u00ebsua me rreth 4 mij\u00eb nj\u00ebsi vitin e kaluar. R\u00ebnia erdhi menj\u00ebher\u00eb pas rritjes s\u00eb ndjeshme t\u00eb vitit 2019 dhe q\u00eb u p\u00ebrcaktua nga detyrimi p\u00ebr pajisje me llogari bankare i t\u00eb gjitha bizneseve t\u00eb regjistruara n\u00eb skem\u00ebn e TVSH-s\u00eb. Kjo e \u00e7oi numrin e llogarive t\u00eb biznesit n\u00eb nivelin m\u00eb t\u00eb lart\u00eb historik prej mbi 225 mij\u00eb n\u00eb fund t\u00eb vitit 2019; por, nj\u00eb vit m\u00eb von\u00eb, numri i llogarive t\u00eb biznesit ra s\u00ebrish n\u00eb 221 mij\u00eb.<\/span><\/p>\n

Megjith\u00ebse numri i llogarive bankare n\u00eb Shqip\u00ebri mbetet ende pak m\u00eb i lart\u00eb n\u00eb krahasim me numrin e p\u00ebrgjithsh\u00ebm t\u00eb popullsis\u00eb, anketimet kan\u00eb treguar se vet\u00ebm rreth 40% e shqiptar\u00ebve n\u00eb mosh\u00eb madhore zot\u00ebrojn\u00eb nj\u00eb llogari bankare. Individ\u00ebt q\u00eb p\u00ebrdorin sh\u00ebrbime bankare zakonisht kan\u00eb disa llogari, t\u00eb lidhura me llojet e ndryshme t\u00eb produkteve q\u00eb p\u00ebrdorin, si llogari rrjedh\u00ebse, depozita apo kredi. Por, nga ana tjet\u00ebr, shum\u00eb individ\u00eb q\u00eb nuk kan\u00eb marr\u00ebdh\u00ebnie pune t\u00eb formalizuara, sidomos n\u00eb zonat rurale, ende sot nuk kan\u00eb nj\u00eb llogari bankare.<\/span><\/p>\n

P\u00ebr t\u00eb adresuar k\u00ebt\u00eb problem, Banka e Shqip\u00ebris\u00eb pritet t\u00eb hartoj\u00eb nj\u00eb projektligj p\u00ebr llogarin\u00eb bazike t\u00eb pagesave, q\u00eb do t\u00eb reflektoj\u00eb direktiv\u00ebn p\u00ebrkat\u00ebse t\u00eb Bashkimit Europian. Direktiva parashikon q\u00eb \u00e7do individ t\u00eb ket\u00eb akses n\u00eb nj\u00eb llogari bankare bazike pagesash, pa kosto ose me kosto simbolike.<\/span><\/p>\n

Gjat\u00eb viteve t\u00eb kriz\u00ebs, fakti \u00ebsht\u00eb se nj\u00eb pjes\u00eb e bankave kan\u00eb rritur gradualisht komisionet e mir\u00ebmbajtjes s\u00eb llogarive bankare dhe shumica tashm\u00eb iu ngarkojn\u00eb klient\u00ebve t\u00eb pakt\u00ebn 1 euro n\u00eb muaj p\u00ebr k\u00ebt\u00eb sh\u00ebrbim. P\u00ebrjashtim b\u00ebjn\u00eb vet\u00ebm kategori t\u00eb ve\u00e7anta, si pensionist\u00ebt, p\u00ebr t\u00eb cil\u00ebt disa banka e ofrojn\u00eb sh\u00ebrbimin pa komision.<\/span><\/p>\n

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

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Numri i llogarive bankare p\u00ebsoi r\u00ebnie p\u00ebr t\u00eb kat\u00ebrtin vit radhazi n\u00eb vitin 2020. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se numri total i llogarive bankare n\u00eb fund t\u00eb vitit ishte rreth 2.96 milion\u00eb, nga 2.98 milion\u00eb n\u00eb fund t\u00eb vitit 2019. Numri i llogarive ka p\u00ebsuar r\u00ebnie si p\u00ebr individ\u00ebt, ashtu edhe p\u00ebr […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":430494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-430492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/430492","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=430492"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/430492\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/430494"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=430492"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=430492"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=430492"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}