{"id":512968,"date":"2022-03-23T14:06:23","date_gmt":"2022-03-23T13:06:23","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=512968"},"modified":"2022-03-23T14:06:23","modified_gmt":"2022-03-23T13:06:23","slug":"shqiperia-ngelet-ekonomia-me-pak-e-kredituar-ne-rajon","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/03\/23\/shqiperia-ngelet-ekonomia-me-pak-e-kredituar-ne-rajon\/","title":{"rendered":"Shqip\u00ebria ngelet ekonomia m\u00eb pak e kredituar n\u00eb rajon","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Shqip\u00ebria \u00ebsht\u00eb ekonomia m\u00eb pak e kredituar e rajonit n\u00eb terma real\u00eb.<\/span><\/p>\n

T\u00eb dh\u00ebnat krahasuese t\u00eb Bank\u00ebs Bot\u00ebrore tregojn\u00eb se n\u00eb fund t\u00eb vitit 2020 portofoli i kredis\u00eb p\u00ebr sektorin privat kishte nj\u00eb vler\u00eb sa 38.6% e Prodhimit t\u00eb Brendsh\u00ebm Bruto.<\/span><\/p>\n

Me k\u00ebt\u00eb shif\u00ebr, Shqip\u00ebria ishte ndjesh\u00ebm mbrapa t\u00eb gjitha ekonomive t\u00eb rajonit t\u00eb Ballkanit Per\u00ebndimor. Vendi m\u00eb i af\u00ebrt \u00ebsht\u00eb Serbia, me 45.5% e PBB-s\u00eb, e ndjekur nga Kosova me 51.6%, Maqedonia e Veriut me 56.2% dhe Bosnje-Hercegovina, me 58.5%. Kryesimin si ekonomia m\u00eb e kredituar n\u00eb rajon, n\u00eb terma real\u00eb, n\u00eb fund t\u00eb vitit 2020 e mbante Mali i Zi, me 60% t\u00eb PBB-s\u00eb.<\/span><\/p>\n

Po t\u2019i referohemi krahasimit me ekonomit\u00eb m\u00eb t\u00eb zhvilluara, Shqip\u00ebria dhe i gjith\u00eb rajoni yn\u00eb \u00ebsht\u00eb ende shum\u00eb mbrapa. P\u00ebr vitin 2020, mesatarja e treguesit t\u00eb kredis\u00eb p\u00ebr sektorin privat ndaj PBB-s\u00eb n\u00eb Bashkimin Europian ishte 93%, nd\u00ebrsa p\u00ebr Eurozon\u00ebn ky raport ishte 94.2%. Nivelet m\u00eb t\u00eb ul\u00ebta t\u00eb kreditimit real n\u00eb Europ\u00eb sh\u00ebnohen n\u00eb ekonomit\u00eb e Europ\u00ebs Lindore, si Moldavia, Ukraina dhe Bjellorusia.<\/span><\/p>\n

Shqip\u00ebria ngeli e fundit n\u00eb rajonin e Ballkanit Per\u00ebndimor, megjith\u00eb nj\u00eb tendenc\u00eb pozitive t\u00eb k\u00ebtij treguesi n\u00eb vitet e fundit. Kredia ndaj PBB-s\u00eb n\u00eb vitin 2020 u rrit n\u00eb 38.6% t\u00eb PBB-s\u00eb, nga 34.1% q\u00eb kishte qen\u00eb n\u00eb vitin 2019 dhe 33% n\u00eb vitin 2018. Rritja e viteve t\u00eb fundit \u00ebsht\u00eb mb\u00ebshtetur nga nj\u00eb ecuri pozitive e huadh\u00ebnies dhe zgjerimi i portofolit nominal t\u00eb kredis\u00eb. Megjithat\u00eb, nj\u00eb ndikim t\u00eb madh n\u00eb rritjen e lart\u00eb t\u00eb vitit 2020 luajti edhe tkurrja e PBB-s\u00eb p\u00ebr shkak t\u00eb pandemis\u00eb.<\/span><\/p>\n

Pavar\u00ebsisht p\u00ebrmir\u00ebsimit t\u00eb viteve t\u00eb fundit, Shqip\u00ebria ende \u00ebsht\u00eb larg plot\u00ebsimit t\u00eb hendekut relativ t\u00eb kreditimit n\u00eb raport me rajonin. Kjo prapambetje mund t\u00eb shpjegohet me disa faktor\u00eb. Rritja e kredive t\u00eb k\u00ebqija pas vitit 2009 u shoq\u00ebrua me nj\u00eb ngadal\u00ebsim t\u00eb kreditimit. Nj\u00eb nga masat q\u00eb nd\u00ebrmori Banka e Shqip\u00ebris\u00eb ishte nxitja e fshirjes s\u00eb kredive t\u00eb humbura nga portofolet e bankave, sidomos pas vitit 2015. Fshirja e kredive t\u00eb humbura dha nj\u00eb efekt n\u00eb g\u00ebrryerjen e portofolit total, duke ndikuar n\u00eb nj\u00eb lloj stanjacioni, deri n\u00eb vitin 2018. Vet\u00ebm n\u00eb vitet e fundit, portofoli i kredis\u00eb po zgjerohet, duke ndikuar pozitivisht n\u00eb rritjen e raportit t\u00eb huas\u00eb p\u00ebr sektorin privat ndaj PBB-s\u00eb.<\/span><\/p>\n

Nj\u00eb karakteristik\u00eb tjet\u00ebr e sektorit bankar n\u00eb Shqip\u00ebri \u00ebsht\u00eb pasha relativisht e lart\u00eb e financimit t\u00eb huamarrjes s\u00eb sektorit publik. Nj\u00eb pjes\u00eb e madhe e aseteve t\u00eb sektorit bankar jan\u00eb t\u00eb investuara n\u00eb bono dhe obligacione t\u00eb qeveris\u00eb shqiptare. K\u00ebto instrumente p\u00ebrb\u00ebjn\u00eb rreth 37% t\u00eb aseteve t\u00eb sektorit bankar.<\/span><\/p>\n

Sidoqoft\u00eb, tendencat e kreditimit t\u00eb ekonomis\u00eb ishin pozitive edhe gjat\u00eb vitit 2021. Portofoli total i kredis\u00eb arriti vler\u00ebn e 648 miliard\u00eb lek\u00ebve, me rritje vjetore prej 12%. Kjo ishte rritja m\u00eb e lart\u00eb n\u00eb m\u00eb shum\u00eb se nj\u00eb dekad\u00eb. Por, nga ana tjet\u00ebr, edhe ekonomia iu kthye ritmeve t\u00eb shpejta t\u00eb rritjes vitin e kaluar, duke rifutuar kuot\u00eb pas r\u00ebnies s\u00eb fort\u00eb t\u00eb pandemis\u00eb. Kjo do t\u00eb b\u00ebj\u00eb q\u00eb rritja e kredis\u00eb n\u00eb terma real\u00eb t\u00eb jet\u00eb e kufizuar dhe ndjesh\u00ebm m\u00eb e ul\u00ebt krahasuar me vitin 2020.<\/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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\"\"<\/a><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Shqip\u00ebria \u00ebsht\u00eb ekonomia m\u00eb pak e kredituar e rajonit n\u00eb terma real\u00eb. T\u00eb dh\u00ebnat krahasuese t\u00eb Bank\u00ebs Bot\u00ebrore tregojn\u00eb se n\u00eb fund t\u00eb vitit 2020 portofoli i kredis\u00eb p\u00ebr sektorin privat kishte nj\u00eb vler\u00eb sa 38.6% e Prodhimit t\u00eb Brendsh\u00ebm Bruto. Me k\u00ebt\u00eb shif\u00ebr, Shqip\u00ebria ishte ndjesh\u00ebm mbrapa t\u00eb gjitha ekonomive t\u00eb rajonit t\u00eb Ballkanit […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":512969,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-512968","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\/512968","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=512968"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/512968\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/512969"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=512968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=512968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=512968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}