{"id":460338,"date":"2021-07-05T16:13:50","date_gmt":"2021-07-05T14:13:50","guid":{"rendered":"https:\/\/hashtag.al\/?p=460338"},"modified":"2021-07-05T16:13:50","modified_gmt":"2021-07-05T14:13:50","slug":"janar-maj-bankat-kane-dhene-53-me-shume-kredi-konsumatore","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2021\/07\/05\/janar-maj-bankat-kane-dhene-53-me-shume-kredi-konsumatore\/","title":{"rendered":"Janar-maj, bankat kan\u00eb dh\u00ebn\u00eb 53% m\u00eb shum\u00eb kredi konsumatore","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kredia konsumatore po rritet me ritme t\u00eb shpejta n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb muajin maj sektori bankar dha rreth 2.5 miliard\u00eb lek\u00eb, gati dy her\u00eb e gjysm\u00eb m\u00eb shum\u00eb krahasuar majin e vitit t\u00eb kaluar.<\/span><\/p>\n

N\u00eb total, kredia e re p\u00ebr q\u00ebllime konsumi p\u00ebr periudh\u00ebn janar-maj arriti n\u00eb 11 miliard\u00eb lek\u00eb, n\u00eb rritje me 43% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Kjo \u00ebsht\u00eb nj\u00ebkoh\u00ebsisht edhe vlera m\u00eb e lart\u00eb e kredis\u00eb konsumatore e disbursuar p\u00ebr periudh\u00ebn pes\u00eb mujore, n\u00eb pes\u00eb vitet e fundit.<\/span><\/p>\n

Portofoli total i kredis\u00eb konsumatore n\u00eb fund t\u00eb majit arriti vler\u00ebn e 53 miliard\u00eb lek\u00ebve ose rreth 430 milion\u00eb euro. E llogaritur si ndryshim n\u00eb tepric\u00ebn e portofolit, kredia konsumatore n\u00eb harkun e nj\u00eb viti \u00ebsht\u00eb rritur me 6.4%.<\/span><\/p>\n

N\u00eb p\u00ebrgjith\u00ebsi, rritja e kreditimit n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti \u00ebsht\u00eb mb\u00ebshtetur nga huaja p\u00ebr individ\u00ebt. Statistikat treguan se p\u00ebr pes\u00eb mujorin e par\u00eb kredia e re n\u00eb k\u00ebt\u00eb segment arriti vler\u00ebn e pothuajse 29 miliard\u00eb lek\u00ebve ose rreth 235 milion\u00eb euro. Krahasuar me vitin e kaluar, kreditimi p\u00ebr individ\u00ebt \u00ebsht\u00eb rritur me 57% ose m\u00eb shum\u00eb se 10 miliard\u00eb lek\u00eb.<\/span><\/p>\n

Kthimi gradual i kredis\u00eb konsumatore drejt normalitetit nisi q\u00eb nga mesi i vitit 2020, pas heqjes s\u00eb masave kufizuese dhe rihapjes s\u00eb ekonomis\u00eb. Bankat po ruajn\u00eb nj\u00eb qasje optimiste n\u00eb raport me kreditimin e individ\u00ebve, pavar\u00ebsisht kriz\u00ebs dhe p\u00ebrkeq\u00ebsimit n\u00eb treguesit e pun\u00ebsimit. Besimi se pandemia do t\u00eb kishte nj\u00eb ndikim afatshkurt\u00ebr b\u00ebri q\u00eb bankat t\u00eb mb\u00ebshtesnin k\u00ebrkesat e publikut p\u00ebr t\u00eb mb\u00ebshtetur konsumin, paralelisht edhe me financimet p\u00ebr blerjen e pronave.<\/span><\/p>\n

Kreditimi i individ\u00ebve ka avantazhin e shp\u00ebrndarjes m\u00eb t\u00eb gjer\u00eb t\u00eb rrezikut kreditor, duke ulur ekspozimin mesatar n\u00eb huamarr\u00ebs t\u00eb ve\u00e7ant\u00eb. Edhe p\u00ebr k\u00ebt\u00eb arsye, raportet e kredive me probleme n\u00eb p\u00ebrgjith\u00ebsi rezultojn\u00eb m\u00eb t\u00eb ul\u00ebta krahasuar me kredin\u00eb p\u00ebr biznesin. P\u00ebr k\u00ebto arsye, bankat po vazhdojn\u00eb t\u00eb rritin kreditimin tek individ\u00ebt me ritme t\u00eb larta, duke dh\u00ebn\u00eb nj\u00eb kontribut pozitiv n\u00eb mb\u00ebshtetjen e konsumit n\u00eb ekonomi.<\/span><\/p>\n

Nj\u00eb nd\u00ebr t\u00eb pakt\u00ebt produkte t\u00eb kredis\u00eb konsumatore q\u00eb nuk ka sh\u00ebnuar rritje \u00ebsht\u00eb paradh\u00ebnia bankare ose overdraft. Vlera e overdafteve t\u00eb reja t\u00eb dh\u00ebna gjat\u00eb k\u00ebtij viti \u00ebsht\u00eb nivele t\u00eb p\u00ebraf\u00ebrta me pes\u00ebmujorin e par\u00eb t\u00eb vitit t\u00eb kaluar. Si nj\u00eb produkt i lidhur direkt me pag\u00ebn, overdrafti ndoshta po vuan ende efektet e r\u00ebnies s\u00eb pun\u00ebsimit, pas pandemis\u00eb.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Instat treguan se as n\u00eb tremujorin e par\u00eb t\u00eb k\u00ebtij viti konsumi nuk u sh\u00ebrua plot\u00ebsisht nga efektet e pandemis\u00eb s\u00eb Covid-19. Konsumi final i popullat\u00ebs p\u00ebr tre muajt e par\u00eb t\u00eb vitit u rrit me m\u00eb pak se 1.5% ndaj t\u00eb nj\u00ebjt\u00ebs periudh\u00eb t\u00eb vitit t\u00eb kaluar. Kjo rritje ishte leht\u00ebsisht m\u00eb e ul\u00ebt krahasuar me rritjen, me baz\u00eb vjetore, t\u00eb tremujorit t\u00eb fundit 2020. \/ E.Shehu<\/span><\/p>\n

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

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Kredia konsumatore po rritet me ritme t\u00eb shpejta n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb muajin maj sektori bankar dha rreth 2.5 miliard\u00eb lek\u00eb, gati dy her\u00eb e gjysm\u00eb m\u00eb shum\u00eb krahasuar majin e vitit t\u00eb kaluar. N\u00eb total, kredia e re p\u00ebr q\u00ebllime konsumi p\u00ebr […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":460340,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-460338","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\/460338","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=460338"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/460338\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/460340"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=460338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=460338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=460338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}