{"id":576470,"date":"2023-01-31T11:14:59","date_gmt":"2023-01-31T10:14:59","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=576470"},"modified":"2023-01-31T11:15:38","modified_gmt":"2023-01-31T10:15:38","slug":"rritet-biznesi-i-kartave-bankare-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2023\/01\/31\/rritet-biznesi-i-kartave-bankare-ne-shqiperi\/","title":{"rendered":"Rritet biznesi i kartave bankare n\u00eb Shqip\u00ebri","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Biznesi i kartave bankare kishte tendenc\u00eb rritjeje gjat\u00eb vitit 2022, si n\u00eb numrin e instrumenteve t\u00eb emetuara, ashtu edhe n\u00eb volumin e p\u00ebrdorimit t\u00eb tyre.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit shtator 2022 numri i kartave bankare aktive arriti n\u00eb 1.35 milion\u00eb, n\u00eb rritje me 2.5% q\u00eb nga fillimi i vitit. Rritja \u00ebsht\u00eb mb\u00ebshtetur n\u00eb mas\u00ebn d\u00ebrrmuese nga zgjerimi i vazhduesh\u00ebm n\u00eb segmentin m\u00eb t\u00eb madh at\u00eb t\u00eb kartave t\u00eb debitit, por edhe tendencat pozitive n\u00eb produktin specifik t\u00eb kartave me funksion paraje elektronike. Nd\u00ebrkoh\u00eb, kartat e kreditit vazhdojn\u00eb t\u00eb shfaqin nj\u00eb ecuri n\u00eb stanjacion, me nj\u00eb rritje shum\u00eb t\u00eb vog\u00ebl q\u00eb nga fillimi i vitit.<\/span><\/p>\n

Numri i kartave t\u00eb debitit n\u00eb fund t\u00eb 9-mujorit 2022 arriti n\u00eb 1.16 milion\u00eb, n\u00eb rritje me 2.6% q\u00eb nga fillimi i vitit. Ky produkt ngelet dominues dhe p\u00ebrb\u00ebn mbi 86% t\u00eb numrit t\u00eb p\u00ebrgjithsh\u00ebm t\u00eb kartave bankare. Karta e debitit \u00ebsht\u00eb nj\u00eb instrument bazik pagese, i lidhur me llogarit\u00eb rrjedh\u00ebse t\u00eb bizneseve dhe individ\u00ebve. Rritja e numrit t\u00eb tyre tregon nj\u00ebkoh\u00ebsisht p\u00ebrmir\u00ebsim t\u00eb p\u00ebrfshirjes financiare dhe zgjerim t\u00eb p\u00ebrdorimit t\u00eb produkteve bankare nga publiku.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, produkti tjet\u00ebr konsumator, ai i kartave t\u00eb kreditit, as vitin e kaluar nuk iu rikthye dot ritmeve t\u00eb rritjes s\u00eb periudh\u00ebs para pandemis\u00eb. N\u00eb fund t\u00eb shtatorit 2022, sektori bankar raportonte m\u00eb pak se 113 mij\u00eb karta krediti aktive, me nj\u00eb rritje me vet\u00ebm 0.6% q\u00eb nga fillimi i vitit.<\/span><\/p>\n

Zhvillimi i dob\u00ebt i k\u00ebtij produkti mund t\u00eb lidhet sa me prapambetjen n\u00eb dep\u00ebrtimin e sh\u00ebrbimeve bankare, aq edhe me faktin se ekonomia shqiptare ka nj\u00eb p\u00ebrqindje t\u00eb lart\u00eb t\u00eb p\u00ebrdorimit t\u00eb paras\u00eb fizike si instrument p\u00ebr transaksionet ekonomike.<\/span><\/p>\n

Tregu i k\u00ebtij produkti n\u00eb Shqip\u00ebri duket se nuk paraqet as shum\u00eb konkurrueshm\u00ebri dhe fleksibilitet. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, norma mesatare efektive e interesit e kartave t\u00eb kreditit p\u00ebr 6-mujorin e par\u00eb 2022 (p\u00ebr shumat e deri n\u00eb 200 mij\u00eb lek\u00eb) ishte 20.7% p\u00ebr kartat n\u00eb Lek\u00eb dhe 19.7% p\u00ebr kartat n\u00eb Euro. Sipas bankier\u00ebve, \u00e7mimi i lart\u00eb lidhet me shkall\u00ebn relativisht t\u00eb lart\u00eb t\u00eb rrezikut q\u00eb kartat e kreditit bartin si produkte kreditore, por edhe me ekzistenc\u00ebn e nj\u00eb periudh\u00eb faljeje, brenda t\u00eb cil\u00ebs klienti mund ta paguaj\u00eb detyrimin pa interesa.<\/span><\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se deri n\u00eb fund t\u00eb 11-mujorit 2022, pagesat me kart\u00eb n\u00eb terminalet POS arrit\u00ebn vler\u00ebn e 45.4 miliard\u00eb lek\u00ebve, ose 30.2% m\u00eb shum\u00eb krahasuar me volumin e vitit t\u00eb plot\u00eb 2021.<\/span><\/p>\n

Rezultatet e vitit 2021 jan\u00eb tejkaluar edhe n\u00eb num\u00ebr transaksionesh. P\u00ebr 11 muajt e vitit 2022, klient\u00ebt e sektorit bankar kan\u00eb kryer rreth 9.6 milion\u00eb pagesa me kart\u00eb, shif\u00ebr kjo 21.9% m\u00eb e lart\u00eb krahasuar me vitin e plot\u00eb 2021.<\/span><\/p>\n

Pesha e veprimeve me kart\u00eb n\u00eb terminalet POS p\u00ebr 11-mujorin 2022 p\u00ebrb\u00ebnte rreth 13.9% t\u00eb totalit t\u00eb veprimeve karta bankare, nga 11.5% q\u00eb ishte ky raport p\u00ebr vitin 2021. Megjith\u00ebse veprimet me karta bankare vazhdojn\u00eb t\u00eb dominohen nga t\u00ebrheqjet cash n\u00eb bankomate, pesha e pagesave elektronike n\u00eb vitet e fundit \u00ebsht\u00eb n\u00eb rritje dhe p\u00ebr 11-mujorin 2022 ka prekur nivelin m\u00eb t\u00eb lart\u00eb historik.\/E.Shehu<\/span><\/p>\n

\"\"<\/a>

Burimi: Banka e Shqip\u00ebris\u00eb<\/p><\/div>\n

VINI RE:<\/strong><\/span> Artikulli \u00ebsht\u00eb pron\u00eb inelektuale e Revista Monitor<\/strong><\/span><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Biznesi i kartave bankare kishte tendenc\u00eb rritjeje gjat\u00eb vitit 2022, si n\u00eb numrin e instrumenteve t\u00eb emetuara, ashtu edhe n\u00eb volumin e p\u00ebrdorimit t\u00eb tyre. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit shtator 2022 numri i kartave bankare aktive arriti n\u00eb 1.35 milion\u00eb, n\u00eb rritje me 2.5% q\u00eb nga fillimi i […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":504476,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-576470","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\/576470","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=576470"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/576470\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/504476"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=576470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=576470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=576470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}