{"id":623452,"date":"2023-10-15T11:25:34","date_gmt":"2023-10-15T09:25:34","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=623452"},"modified":"2023-10-15T11:25:34","modified_gmt":"2023-10-15T09:25:34","slug":"turizmi-dhe-energjia-i-japin-hov-tregut-te-qirase-financiare","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2023\/10\/15\/turizmi-dhe-energjia-i-japin-hov-tregut-te-qirase-financiare\/","title":{"rendered":"Turizmi dhe energjia i japin hov tregut t\u00eb qiras\u00eb financiare","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Rritja e sektorit t\u00eb turizmit n\u00eb dy vitet e fundit po i jep shtys\u00eb edhe tregut t\u00eb qiras\u00eb financiare. Portofoli i qiras\u00eb financiare u rrit me ritme dyshifrore p\u00ebr t\u00eb dytin vit radhazi n\u00eb 2022, nd\u00ebrsa sipas aktor\u00ebve t\u00eb tregut, zgjerimi ka qen\u00eb edhe m\u00eb i lart\u00eb n\u00eb pjes\u00ebn e deritanishme t\u00eb k\u00ebtij viti<\/span><\/p>\n

\u00a0Tregu i qiras\u00eb financiare (leasing-ut) u rrit me ritme m\u00eb t\u00eb shpejta vitin e kaluar.<\/span><\/p>\n

Sipas shifrave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe t\u00eb bankave tregtare t\u00eb angazhuara n\u00eb k\u00ebt\u00eb produkt, portofoli i qiras\u00eb financiare n\u00eb fund t\u00eb vitit 2022 arriti vler\u00ebn e 11.7 miliard\u00eb lek\u00ebve, ose rreth 103 milion\u00eb eurove.<\/span><\/p>\n

Vlera e portofolit u rrit me 10.6% krahasuar me vitin 2021. Ritmi i rritjes vjetore vitin e kaluar ishte i p\u00ebraf\u00ebrt me rritjen e vitit 2021.<\/span><\/p>\n

Turizmi dhe aktivitetet e lidhura me t\u00eb po sh\u00ebnojn\u00eb rritje t\u00eb shpejt\u00eb e cila po i jep efektet e veta an\u00ebsore edhe n\u00eb sektor\u00ebt financiar\u00eb t\u00eb lidhur me t\u00eb.<\/span><\/p>\n

Nj\u00eb nga bizneset kryesore q\u00eb kan\u00eb mb\u00ebshtetur rritjen e leasing-ut n\u00eb vitet e fundit \u00ebsht\u00eb ai i makinave me qira, i lidhur drejtp\u00ebrdrejt me shtimin e numrit t\u00eb turist\u00ebve t\u00eb huaj.<\/span><\/p>\n

Ndikimi i turizmit n\u00eb m\u00ebnyr\u00eb t\u00eb t\u00ebrthort\u00eb \u00ebsht\u00eb shtrir\u00eb edhe n\u00eb sektor\u00eb t\u00eb tjer\u00eb. Turizmi ka rritur k\u00ebrkes\u00ebn p\u00ebr taksi dhe flotat e reja jan\u00eb t\u00eb orientuara drejt automjeteve elektrike.<\/span><\/p>\n

Blerja e tyre p\u00ebrb\u00ebnin gjithashtu nj\u00eb kontingjent t\u00eb r\u00ebnd\u00ebsish\u00ebm t\u00eb k\u00ebrkes\u00ebs p\u00ebr financime me leasing.<\/span><\/p>\n

Efekti i t\u00ebrthort\u00eb i turizmit shtrihet edhe n\u00eb sektor\u00ebt e distribucionit dhe tregtis\u00eb, q\u00eb kan\u00eb zgjeruar flotat e tyre t\u00eb automjeteve.<\/span><\/p>\n

Nj\u00eb segment tjet\u00ebr n\u00eb rritje \u00ebsht\u00eb edhe ai i sh\u00ebrbimeve mjek\u00ebsore, ku blerja ose rinovimi i pajisjeve po financohet n\u00eb nj\u00eb mas\u00eb t\u00eb madhe me qira financiare.<\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb tregun e qiras\u00eb financiare ushtrojn\u00eb aktivitet 11 institucione t\u00eb licencuara p\u00ebr ofrimin e qiras\u00eb financiare.<\/span><\/p>\n

Ve\u00e7 institucioneve financiare t\u00eb ve\u00e7anta, ky produkt ofrohet edhe nga disa banka tregtare n\u00eb vend. Mb\u00ebshtetur n\u00eb pasqyrat financiare, jan\u00eb kryesisht Credins Bank dhe OTP Bank Albania q\u00eb kan\u00eb vlera t\u00eb r\u00ebnd\u00ebsishme t\u00eb qiras\u00eb financiare n\u00eb bilancet e tyre.<\/span><\/p>\n

Disa prej tyre, fillimisht pat\u00ebn ngritur institucione t\u00eb ve\u00e7anta p\u00ebr qiran\u00eb financiare, por n\u00eb vazhdim zgjodh\u00ebn t\u2019i mbyllnin k\u00ebto institucione dhe ta p\u00ebrfshinin aktivitetin e leasing-ut brenda strukturave t\u00eb bank\u00ebs, me q\u00ebllim kryesisht uljen e kostove t\u00eb aktivitetit.<\/span><\/p>\n

\"\"<\/a>

<\/span> Burimi: Banka e Shqip\u00ebris\u00eb, pasqyrat financiare<\/span><\/p><\/div>\n

Tregu mbetet i p\u00ebrqendruar tek automjetet<\/strong><\/span><\/p>\n

Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, qiraja financiare \u00ebsht\u00eb nj\u00eb produkt i fokusuar kryesisht n\u00eb financimin e mjeteve t\u00eb transportit t\u00eb bizneseve dhe individ\u00ebve dhe n\u00eb nj\u00eb pjes\u00eb m\u00eb t\u00eb vog\u00ebl n\u00eb financimin e pajisjeve dhe linjave t\u00eb prodhimit t\u00eb bizneseve.<\/span><\/p>\n

Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, portofoli i qiras\u00eb financiare, sipas produkteve, dominohet nga financimet p\u00ebr mjete transporti personale (40%) dhe mjete transporti pune (31%), nd\u00ebrsa n\u00eb nj\u00eb mas\u00eb m\u00eb t\u00eb vog\u00ebl, ky produkt shfryt\u00ebzohet p\u00ebr linjat e prodhimit t\u00eb bizneseve.<\/span><\/p>\n

K\u00ebto t\u00eb dh\u00ebna i takojn\u00eb vet\u00ebm portofolit q\u00eb zot\u00ebrohet nga institucionet financiare jobanka.<\/span><\/p>\n

Portofoli i dy bankave tregtare q\u00eb jan\u00eb aktive n\u00eb tregun e leasing-ut (kryesisht Credins dhe OTP) nuk \u00ebsht\u00eb i detajuar sipas llojit t\u00eb financimit, megjithat\u00eb besohet se edhe ky portofol dominohet kryesisht nga automjetet.<\/span><\/p>\n

Shtysa kryesore vjen nga bizneset, kryesisht ato t\u00eb lidhura me sh\u00ebrbimet turistike dhe me sh\u00ebrbimin taksi, nd\u00ebrkoh\u00eb q\u00eb k\u00ebrkesa n\u00eb segmentin e individ\u00ebve perceptohet ende e dob\u00ebt.<\/span><\/p>\n

Qiraja financiare p\u00ebr blerjen e automjeteve po ndikohet n\u00eb nj\u00eb mas\u00eb t\u00eb madhe nga sektori i turizmit.<\/span><\/p>\n

Rezart Ferzaj, Drejtor i P\u00ebrgjithsh\u00ebm i kompanis\u00eb Landeslease, thot\u00eb se kompanit\u00eb q\u00eb ofrojn\u00eb makina me qira ditore, t\u00eb lidhura shum\u00eb me turizmin, jan\u00eb nj\u00eb nga kontribuuesit kryesor\u00eb n\u00eb rritjen e k\u00ebrkes\u00ebs p\u00ebr qira financiare.<\/span><\/p>\n

Sipas tij, indirekt edhe sh\u00ebrbimi i taksive \u00ebsht\u00eb ndikuar pozitivisht nga rritja e turizmit.<\/span><\/p>\n

\u201cE ve\u00e7anta e k\u00ebtij viti \u00ebsht\u00eb zgjatja e periudh\u00ebs turistike, duke filluar q\u00eb n\u00eb prill dhe me fluks t\u00eb konsideruesh\u00ebm edhe n\u00eb shtator.<\/span><\/p>\n

N\u00eb vler\u00ebsimin ton\u00eb, k\u00ebrkesa p\u00ebr autovetura n\u00eb periudh\u00ebn e pikut ka qen\u00eb m\u00eb e lart\u00eb sesa kapacitetet e operator\u00ebve t\u00eb qiras\u00eb ditore dhe shohim q\u00eb ka ende k\u00ebrkesa p\u00ebr shtim flotash, rrjedhimisht edhe nj\u00eb perspektiv\u00eb pozitive p\u00ebr tregun e qiras\u00eb\u201d, \u2013 thot\u00eb z. Ferzaj.<\/span><\/p>\n

Sipas tij, k\u00ebrkesat p\u00ebr qira financiare jan\u00eb kryesisht p\u00ebr t\u00eb financuar blerjen e mjeteve motorike, ku p\u00ebrfshihen autoveturat, furgon\u00eb, kamion\u00eb, autobus\u00eb, me nj\u00eb k\u00ebrkes\u00eb q\u00eb vjen kryesisht nga sektor\u00ebt e sh\u00ebrbimeve dhe t\u00eb nd\u00ebrtimit.<\/span><\/p>\n

\u201cK\u00ebrkesa m\u00eb e lart\u00eb n\u00eb vitet e fundit vjen nga bizneset q\u00eb operojn\u00eb n\u00eb fush\u00ebn e qiras\u00eb operacionale (ditore dhe afatgjata), si dhe sh\u00ebrbimi i taksive, kjo e fundit t\u00eb pakt\u00ebn n\u00eb Tiran\u00eb me prirje shum\u00eb t\u00eb fort\u00eb n\u00eb autovetura elektrike.<\/span><\/p>\n

Nd\u00ebrsa k\u00ebrkesa p\u00ebr makineri e pajisje \u00ebsht\u00eb n\u00eb raporte disa her\u00eb m\u00eb t\u00eb vogla sesa p\u00ebr motorik\u00ebt dhe \u00ebsht\u00eb e p\u00ebrqendruar kryesisht n\u00eb sektor\u00ebt e nd\u00ebrtimit dhe atij mjek\u00ebsor, t\u00eb ndjekura nga fotovoltaik\u00ebt dhe prodhimi.<\/span><\/p>\n

E ul\u00ebt mbetet edhe k\u00ebrkesa nga individ\u00eb p\u00ebr blerje autoveturash\u201d, \u2013 thot\u00eb ai.<\/span><\/p>\n

Potencialet n\u00eb rritje te fotovoltaik\u00ebt<\/strong><\/span><\/p>\n

Megjithat\u00eb, n\u00eb vitet e fundit, kompanit\u00eb e leasing-ut po shtojn\u00eb v\u00ebmendjen edhe n\u00eb financimin e pajisjeve p\u00ebr prodhimin e energjis\u00eb s\u00eb rinovueshme, sidomos t\u00eb paneleve diellore.<\/span><\/p>\n

Megjith\u00ebse kjo kategori nuk detajohet nga statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, besohet se ajo ka pasur ndikim t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb rritjen e portofolit n\u00eb dy vitet e fundit.<\/span><\/p>\n

Ida Shehu, Drejtore e P\u00ebrgjithshme e Raiffeisen Leasing, thot\u00eb se qiraja financiare \u00ebsht\u00eb nj\u00eb element ky\u00e7 n\u00eb tregun e investimeve n\u00eb impiantet e energjis\u00eb fotovoltaike, t\u00eb cilat kan\u00eb t\u00ebrhequr interes t\u00eb ndjesh\u00ebm nga bizneset n\u00eb vitet e fundit.<\/span><\/p>\n

\u201cN\u00eb rolin ton\u00eb si kompani, kemi pasur nj\u00eb fokus t\u00eb ve\u00e7ant\u00eb te financimi i makinave t\u00eb reja elektrike, pa l\u00ebn\u00eb m\u00ebnjan\u00eb edhe financimin e pajisjeve dhe projekteve fotovoltaike.<\/span><\/p>\n

Jemi munduar t\u00eb jemi elastik dhe t\u00eb p\u00ebrgjigjemi ndaj k\u00ebrkes\u00ebs s\u00eb rritur p\u00ebr k\u00ebt\u00eb teknologji t\u00eb energjis\u00eb s\u00eb rinovueshme n\u00eb tregun lokal dhe t\u00eb ndihmojm\u00eb bizneset t\u00eb investojn\u00eb n\u00eb k\u00ebt\u00eb fush\u00eb.<\/span><\/p>\n

Financimi i projekteve fotovoltaike \u00ebsht\u00eb b\u00ebr\u00eb nj\u00eb segment i r\u00ebnd\u00ebsish\u00ebm n\u00eb portofolin ton\u00eb t\u00eb produkteve dhe sh\u00ebrbimeve financiare.<\/span><\/p>\n

N\u00ebp\u00ebrmjet ofrimit t\u00eb opsioneve t\u00eb financimit, ne kemi ndihmuar kompanit\u00eb t\u00eb shfryt\u00ebzojn\u00eb potencialin e energjis\u00eb s\u00eb rinovueshme dhe t\u00eb reduktojn\u00eb ndikimin e tyre n\u00eb mjedis\u201d \u2013 thot\u00eb znj. Shehu.<\/span><\/p>\n

Megjithat\u00eb, duke qen\u00eb se n\u00eb shum\u00eb raste, investimet n\u00eb projekte fotovoltaike kan\u00eb vlera t\u00eb m\u00ebdha, shpesh k\u00ebto projekte financohen nga kredia bankare. Rrjedhimisht, financimi me leasing mb\u00ebshtet kryesisht projektet m\u00eb t\u00eb vogla.<\/span><\/p>\n

\u201cP\u00ebr panelet fotovoltaike, investimet e bizneseve jan\u00eb zakonisht n\u00eb vlera t\u00eb m\u00ebdha dhe shkojn\u00eb p\u00ebrtej mund\u00ebsive financuese q\u00eb ne kemi.<\/span><\/p>\n

Ne zakonisht financojm\u00eb shuma deri n\u00eb 100 mij\u00eb euro. P\u00ebrve\u00e7 vler\u00ebs s\u00eb investimit, nj\u00eb faktor tjet\u00ebr \u00ebsht\u00eb se p\u00ebr k\u00ebt\u00eb produkt bankat ofrojn\u00eb kushte m\u00eb incentivuese, fal\u00eb pjes\u00ebmarrjes n\u00eb projekte t\u00eb financuesve t\u00eb huaj, kryesisht me skemat e ekonomis\u00eb s\u00eb gjelb\u00ebr\u201d, \u2013 thot\u00eb Dorin Rama, Drejtor i P\u00ebrgjithsh\u00ebm i institucionit financiar Crimson Finance Fund Albania.<\/span><\/p>\n

Avantazhet e leasing-ut<\/strong><\/span><\/p>\n

Qiraja financiare \u00ebsht\u00eb nj\u00eb produkt i ngjash\u00ebm me kredin\u00eb, por ndryshimi kryesor \u00ebsht\u00eb se produkti i financuar n\u00ebp\u00ebrmjet saj mbetet n\u00eb pron\u00ebsi t\u00eb institucionit financiar deri n\u00eb momentin kur klienti shlyen detyrimin e plot\u00eb.<\/span><\/p>\n

Produkti parashikon nj\u00eb parapagim t\u00eb pjessh\u00ebm nga klienti t\u00eb vler\u00ebs s\u00eb mjetit apo pajisjes s\u00eb financuar.<\/span><\/p>\n

Parapagimi minimal ndryshon n\u00eb var\u00ebsi t\u00eb kushteve q\u00eb ofron secili institucion financiar, por mund t\u00eb filloj\u00eb nga 10%, deri n\u00eb 30% t\u00eb vler\u00ebs.<\/span><\/p>\n

Pjesa e mbetur paguhet me k\u00ebste mujore deri n\u00eb shlyerjen e plot\u00eb t\u00eb vler\u00ebs.<\/span><\/p>\n

Elion Martini, Drejtor i Departamentit t\u00eb Shitjes dhe Suportit t\u00eb Qiras\u00eb Financiare n\u00eb Credins Bank, thot\u00eb se financimi me leasing \u00ebsht\u00eb m\u00eb elastik se kredia, duke qen\u00eb se \u00ebsht\u00eb nj\u00eb financim mbi sendin objekt t\u00eb kontrat\u00ebs, i cili sh\u00ebrben si garanci e vetme n\u00eb marr\u00ebdh\u00ebnien juridike t\u00eb krijuar midis pal\u00ebve.<\/span><\/p>\n

\u201cKur kemi t\u00eb b\u00ebjm\u00eb me sende me treg dyt\u00ebsor t\u00eb q\u00ebndruesh\u00ebm, shoq\u00ebria e leasing-ut, brenda normave t\u00eb lejuara t\u00eb menaxhimit t\u00eb rrezikut, tregohet \u2018m\u00eb tolerante\u2019 sesa n\u00eb rastin e kredis\u00eb pik\u00ebrisht p\u00ebr faktin q\u00eb sendi \u00ebsht\u00eb n\u00eb em\u00ebr t\u00eb qiradh\u00ebn\u00ebsit.<\/span><\/p>\n

Mund\u00ebsia e rishitjes \u00ebsht\u00eb e lart\u00eb, si dhe procedurat e rimarrjes leht\u00ebsojn\u00eb angazhimin e qiradh\u00ebn\u00ebsit.<\/span><\/p>\n

N\u00eb leasing, vet\u00eb parapagimi mbi vler\u00ebn e sendit, si dhe vendosja e vler\u00ebs s\u00eb mbetur n\u00eb fund t\u00eb financimit, b\u00ebjn\u00eb q\u00eb struktura e financimit t\u00eb p\u00ebrshtatet m\u00eb shum\u00eb se kredia, kjo sipas nevojave dhe aft\u00ebsis\u00eb paguese t\u00eb klientit.<\/span><\/p>\n

N\u00eb fund t\u00eb periudh\u00ebs s\u00eb financimit, klienti ka mund\u00ebsin\u00eb e ushtrimit ose jo t\u00eb s\u00eb drejt\u00ebs s\u00eb blerjes s\u00eb sendit, q\u00eb n\u00eb ndryshim nga kredia, i leht\u00ebson atij menaxhimin e mjeteve n\u00eb fund t\u00eb periudh\u00ebs s\u00eb nj\u00eb projekti t\u00eb caktuar.<\/span><\/p>\n

Financimi leasing i jep mund\u00ebsin\u00eb klientit q\u00eb, duke q\u00ebndruar brenda struktur\u00ebs leasing, t\u00eb rinovoj\u00eb teknologjin\u00eb n\u00eb m\u00ebnyr\u00eb periodike\u201d, \u2013 thot\u00eb z. Martini.<\/span><\/p>\n

Sipas aktor\u00ebve t\u00eb tregut, leasing-u ofron disa avantazhe kundrejt kredis\u00eb bankare q\u00eb lidhen me trajtimin fiskal dhe me garancit\u00eb.<\/span><\/p>\n

\u201cN\u00eb teori, avantazh i leasing-ut \u00ebsht\u00eb edhe pagesa e TVSH-s\u00eb me k\u00ebste dhe jo menj\u00ebher\u00eb. Ka nj\u00eb avantazh fiskal, sepse k\u00ebstet njihen si shpenzime t\u00eb zbritshme p\u00ebr llogaritjen e tatimfitimit.<\/span><\/p>\n

Nj\u00eb avantazh tjet\u00ebr p\u00ebr klientin \u00ebsht\u00eb se financimi garantohet vet\u00ebm me asetin q\u00eb blihet, pra, nuk lihen si garanci asete t\u00eb tjera t\u00eb biznesit.<\/span><\/p>\n

Nga ana tjet\u00ebr, kjo rrit edhe rrezikun p\u00ebr huadh\u00ebn\u00ebsin. Kjo \u00ebsht\u00eb nj\u00eb nga arsyet pse leasing fokusohet shum\u00eb tek automjetet, ku ka nj\u00eb treg dyt\u00ebsor m\u00eb t\u00eb zhvilluar, nd\u00ebrkoh\u00eb te makinerit\u00eb dhe pajisjet, gjetja e nj\u00eb tregu rishitjeje mund t\u00eb jet\u00eb m\u00eb e v\u00ebshtir\u00eb\u201d, \u2013 thot\u00eb z. Rama nga Crimson Finance Fund Albania.<\/span><\/p>\n

Rritja e normave t\u00eb interesit nuk e ka frenuar tregun<\/strong><\/span><\/p>\n

Vitin e kaluar, ekonomia u p\u00ebrball me norma t\u00eb larta inflacioni dhe me rritje t\u00eb ndjeshme t\u00eb normave t\u00eb interesit. K\u00ebto zhvillime pat\u00ebn ndikime edhe n\u00eb tregun e qiras\u00eb financiare.<\/span><\/p>\n

Megjithat\u00eb, Rezart Ferzaj, nga Landeslease, thot\u00eb se rritja e k\u00ebrkes\u00ebs nga faktor\u00eb t\u00eb tjer\u00eb e b\u00ebn t\u00eb v\u00ebshtir\u00eb vler\u00ebsimin e ndikimit t\u00eb rritjes s\u00eb inflacionit n\u00eb tregun e qiras\u00eb financiare.<\/span><\/p>\n

\u201cE sigurt \u00ebsht\u00eb q\u00eb kosto e qiras\u00eb financiare ka shkuar thuajse dyfish p\u00ebr shkak t\u00eb inflacionit, e cila nga sa kemi v\u00ebrejtur ka \u00e7uar edhe n\u00eb rritjen e kostos s\u00eb sh\u00ebrbimeve, sidomos n\u00eb ata sektor\u00eb q\u00eb kan\u00eb p\u00ebrdorim t\u00eb lart\u00eb t\u00eb huamarrjes.<\/span><\/p>\n

N\u00eb nj\u00eb v\u00ebshtrim t\u00eb p\u00ebrgjithsh\u00ebm, k\u00ebrkesa e individ\u00ebve \u00ebsht\u00eb disi m\u00eb e tkurrur, por kjo r\u00ebnie mbulohet nga rritja e k\u00ebrkes\u00ebs nga sektor\u00ebt e lidhur me sh\u00ebrbimet dhe turizmin.<\/span><\/p>\n

P\u00ebrve\u00e7 k\u00ebsaj, kemi v\u00ebrejtur se institucionet financiare n\u00eb p\u00ebrgjith\u00ebsi jan\u00eb treguar t\u00eb kujdesshme n\u00eb rritjen e normave t\u00eb interesit p\u00ebr financimet, shpeshher\u00eb jo n\u00eb t\u00eb nj\u00ebjt\u00ebn shkall\u00eb me t\u00eb cil\u00ebn \u00ebsht\u00eb rritur norma baz\u00eb e interesit.<\/span><\/p>\n

Faktor\u00ebt e m\u00ebsip\u00ebrm, edhe pse mund t\u00eb jen\u00eb t\u00eb p\u00ebrkohsh\u00ebm, kan\u00eb b\u00ebr\u00eb q\u00eb frenimi i k\u00ebrkes\u00ebs p\u00ebr qiran\u00eb financiare p\u00ebr shkak t\u00eb inflacionit, t\u00eb mos jet\u00eb i preksh\u00ebm\u201d, \u2013 thot\u00eb z. Ferzaj.<\/span><\/p>\n

P\u00ebr institucionet financiare q\u00eb nuk kan\u00eb marr\u00ebdh\u00ebnie pron\u00ebsie me bankat, efekti i rritjes s\u00eb normave t\u00eb interesit n\u00eb biznes ka qen\u00eb m\u00eb i ndjesh\u00ebm.<\/span><\/p>\n

Dorin Rama, Drejtor i P\u00ebrgjithsh\u00ebm i institucionit financiar Crimson Finance Fund Albania, thot\u00eb se kjo rritje ka shtrenjtuar ndjesh\u00ebm koston e fondeve dhe \u00e7mimin p\u00ebr klient\u00ebt.<\/span><\/p>\n

\u201cRritja e normave t\u00eb interesit q\u00eb prej vitit t\u00eb kaluar e ka b\u00ebr\u00eb edhe m\u00eb t\u00eb shtrenjt\u00eb produktin. Duke qen\u00eb se asetet q\u00eb financohen me leasing shiten kryesisht n\u00eb Euro, edhe qiraja financiare jepet kryesisht n\u00eb Euro.<\/span><\/p>\n

Rritja e fort\u00eb e Euriborit ne na ndikon drejtp\u00ebrdrejt n\u00eb koston e fondeve. Nga ana tjet\u00ebr, p\u00ebr bankat ose kompanit\u00eb e kontrolluara nga bankat, kjo rritje nuk ka qen\u00eb proporcionale, pik\u00ebrisht sepse ato kan\u00eb akses n\u00eb burime m\u00eb t\u00eb lira financimi, kryesisht nga depozitat q\u00eb zot\u00ebrojn\u00eb bankat.<\/span><\/p>\n

Kjo e ka thelluar m\u00eb shum\u00eb avantazhin konkurrues t\u00eb bankave ose IFJB-ve n\u00eb pron\u00ebsi t\u00eb bankave. Ne kryesisht e mb\u00ebshtesim aktivitetin n\u00eb linja financimi nga jasht\u00eb dhe k\u00ebto linja reflektojn\u00eb ecurin\u00eb e normave t\u00eb interesit n\u00eb tregjet nd\u00ebrkomb\u00ebtare\u201d, \u2013 thot\u00eb z. Rama.<\/span><\/p>\n

\"\"<\/a>

<\/span> Burimi: Pasqyrat financiare<\/span><\/p><\/div>\n

Problemet me ekzekutimin<\/strong><\/span><\/p>\n

Nj\u00eb nga problematikat e lidhura me biznesin e qiras\u00eb financiare q\u00eb sinjalizojn\u00eb aktor\u00ebt e tregut \u00ebsht\u00eb v\u00ebshtir\u00ebsia me ekzekutimin e detyruesh\u00ebm.<\/span><\/p>\n

Dorin Rama, nga Crimson Finance Fund Albania, thot\u00eb se marrja mbrapsht e sendit t\u00eb financuar me leasing, n\u00eb rastet kur klienti refuzon ta dor\u00ebzoj\u00eb vullnetarisht, \u00ebsht\u00eb e v\u00ebshtir\u00eb.<\/span><\/p>\n

\u201cPavar\u00ebsisht se ne jemi pronar\u00eb t\u00eb mjetit, ne e kemi v\u00ebshtir\u00eb ta marrim n\u00eb zot\u00ebrim, n\u00eb rast se klienti nuk e dor\u00ebzon vullnetarisht.<\/span><\/p>\n

N\u00eb momentin q\u00eb ne nxjerrim urdhrin e ekzekutimit, p\u00ebrmbaruesi mund t\u00eb njoftoj\u00eb policin\u00eb p\u00ebr t\u00eb b\u00ebr\u00eb bllokimin e mjetit dhe kthimin e tij tek ne, por n\u00eb praktik\u00eb ka probleme p\u00ebr zbatimin e k\u00ebtij detyrimi. Praktikisht, kjo duhet t\u00eb jet\u00eb vjedhje.<\/span><\/p>\n

N\u00eb praktik\u00eb, edhe n\u00ebse ti e denoncon penalisht personin q\u00eb nuk e kthen mbrapsht mjetin, nuk e denoncon dot p\u00ebr vjedhje, por p\u00ebr pengim t\u00eb veprimeve p\u00ebrmbarimore.<\/span><\/p>\n

Edhe legjislacioni nuk \u00ebsht\u00eb shum\u00eb i qart\u00eb dhe specifik p\u00ebr pjes\u00ebn e marrjes mbrapsht t\u00eb pajisjeve q\u00eb financohen me leasing.<\/span><\/p>\n

Kjo \u00ebsht\u00eb nj\u00eb gj\u00eb shum\u00eb e r\u00ebnd\u00eb p\u00ebr zhvillimin e leasing-ut. T\u00eb mos flasim p\u00ebr asetet e tjera, q\u00eb mund t\u00eb shiten pa v\u00ebrtetimin e regjistrit t\u00eb barr\u00ebve siguruese.<\/span><\/p>\n

N\u00eb k\u00ebto raste, debitori mund ta shes\u00eb dhe kompania e leasing-ut duhet t\u2019i hyj\u00eb nj\u00eb kalvari ligjor\u201d, \u2013 thot\u00eb z.Rama.<\/span><\/p>\n

Kryeson Raiffeisen Leasing, por konkurrent\u00ebt po fitojn\u00eb terren<\/strong><\/span><\/p>\n

Subjekti m\u00eb i madh n\u00eb tregun e qiras\u00eb financiare edhe p\u00ebr vitin e kaluar ngeli bindsh\u00ebm Raiffeisen Leasing, me 31% t\u00eb tregut, p\u00ebr nj\u00eb portofol total n\u00eb vler\u00ebn e 3.64 miliard\u00eb lek\u00ebve.<\/span><\/p>\n

Megjithat\u00eb, Raiffeisen Leasing p\u00ebsoi r\u00ebnie t\u00eb portofolit me 2.3% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Nd\u00ebrkoh\u00eb, konkurrent\u00ebt kryesor\u00eb t\u00eb Raiffeisen n\u00eb k\u00ebt\u00eb treg pat\u00ebn nj\u00eb vit t\u00eb mir\u00eb dhe arrit\u00ebn rritje t\u00eb ndjeshme t\u00eb portofolit.<\/span><\/p>\n

Credins Bank mori vitin e kaluar vendin e dyt\u00eb n\u00eb tregun e qiras\u00eb financiare, me 16% t\u00eb portofolit total. Vlera e portofolit arriti n\u00eb 1.88 miliard\u00eb lek\u00eb, me rritje prej 23% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Rritje t\u00eb ndjeshme sh\u00ebnoi edhe Landeslease, q\u00eb u ngjit si aktori i tret\u00eb m\u00eb i madh n\u00eb aktivitetin e qiras\u00eb financiare, me 15% t\u00eb tregut.<\/span><\/p>\n

Portofoli i Landeslease arriti vler\u00ebn e 1.8 miliard\u00eb lek\u00ebve, n\u00eb rritje me 36% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Me nj\u00eb pjes\u00eb t\u00eb p\u00ebraf\u00ebrt t\u00eb tregut, vijon Porsche Leasing, me nj\u00eb vler\u00eb portofoli q\u00eb n\u00eb fund t\u00eb vitit 2022 arriti n\u00eb 1.76 miliard\u00eb lek\u00eb, n\u00eb rritje me 16% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Banka OTP Albania, n\u00eb fund t\u00eb vitit t\u00eb kaluar, zot\u00ebronte 10% t\u00eb tregut, p\u00ebr nj\u00eb portofol total n\u00eb vler\u00ebn e 1.23 miliard\u00eb lek\u00ebve. OTP sh\u00ebnoi rritje shum\u00eb t\u00eb vog\u00ebl me 0.65% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

M\u00eb tej vijojn\u00eb Tirana Factoring & Lease dhe Albania Leasing, secila me 6% t\u00eb tregut, por me nj\u00eb tendenc\u00eb t\u00eb ndryshme.<\/span><\/p>\n

Tirana Factoring & Lease ka sh\u00ebnuar rritje t\u00eb fort\u00eb t\u00eb portofolit t\u00eb qiras\u00eb financiare me pothuajse 47%, nd\u00ebrsa Albania Leasing ka p\u00ebsuar r\u00ebnie me af\u00ebrsisht 8%.<\/span><\/p>\n

\"\"<\/a>

<\/span> Burimi: Pasqyrat financiare<\/span><\/p><\/div>\n

Bankat (dhe filialet e tyre) kan\u00eb avantazhe konkurruese<\/strong><\/span><\/p>\n

Dorin Rama, Drejtor i P\u00ebrgjithsh\u00ebm i institucionit financiar Crimson Finance Fund Albania, thot\u00eb se tregu i leasing ngelet shum\u00eb i lidhur, n\u00eb radh\u00eb t\u00eb par\u00eb, me objektin kryesor t\u00eb financimit, automjetet.<\/span><\/p>\n

N\u00eb k\u00ebt\u00eb segment, sipas tij, bankat ose filialet e tyre t\u00eb leasing-ut kan\u00eb nj\u00eb avantazh t\u00eb konsideruesh\u00ebm kundrejt IFJB-ve q\u00eb duhet t\u00eb k\u00ebrkojn\u00eb rrug\u00eb t\u00eb tjera p\u00ebr sigurimin e financimeve.<\/span><\/p>\n

\u201cP\u00ebr mendimin tim, kjo ka t\u00eb b\u00ebj\u00eb me m\u00ebnyr\u00ebn sesi \u00ebsht\u00eb organizuar tregu i leasing-ut n\u00eb vetvete dhe me faktin q\u00eb ky treg \u00ebsht\u00eb i kontrolluar m\u00eb shum\u00eb nga bankat dhe nga filialet e tyre, sesa nga institucionet e mir\u00ebfillta financiare jobanka.<\/span><\/p>\n

Ndryshimi \u00ebsht\u00eb se nj\u00eb IFJB presupozohet t\u00eb ket\u00eb kosto m\u00eb t\u00eb lart\u00eb t\u00eb fondeve sesa banka. P\u00ebr IFJB-t\u00eb e mir\u00ebfillta, q\u00eb nuk zot\u00ebrohen nga bankat, \u00ebsht\u00eb e v\u00ebshtir\u00eb t\u00eb jen\u00eb konkurruese, t\u00eb pakt\u00ebn n\u00eb segmentin kryesor t\u00eb tregut, at\u00eb t\u00eb automjeteve.<\/span><\/p>\n

Element tjet\u00ebr \u00ebsht\u00eb se shumica e mjeteve t\u00eb reja, q\u00eb shiten me fatur\u00eb n\u00eb vler\u00ebn reale, shiten kryesisht nga koncesionar\u00ebt.<\/span><\/p>\n

P\u00ebrgjith\u00ebsisht, koncesionar\u00ebt ose kan\u00eb nj\u00eb lidhje n\u00eb struktur\u00ebn e pron\u00ebsis\u00eb me shoq\u00ebri t\u00eb leasing-ut, ose priren t\u2019i orientojn\u00eb klient\u00ebt tek ato subjekte q\u00eb ofrojn\u00eb \u00e7mime m\u00eb t\u00eb lira.<\/span><\/p>\n

P\u00ebr k\u00ebt\u00eb arsye, IFJB-t\u00eb e mir\u00ebfillta, pa lidhje me bankat, e kan\u00eb t\u00eb v\u00ebshtir\u00eb n\u00eb k\u00ebt\u00eb segment\u201d, \u2013 shprehet ai.<\/span><\/p>\n

Megjithat\u00eb, ai thot\u00eb se n\u00eb segmentin e automjeteve edhe institucionet m\u00eb t\u00eb vogla arrijn\u00eb t\u00eb dep\u00ebrtojn\u00eb n\u00eb treg, sidomos n\u00eb financimin e automjeteve elektrike.<\/span><\/p>\n

Blerja e nj\u00eb automjeti elektrik siguron kursim shum\u00eb t\u00eb madh p\u00ebr klientin dhe kjo e b\u00ebn t\u00eb gatsh\u00ebm t\u00eb konsideroj\u00eb edhe norma m\u00eb t\u00eb larta t\u00eb interesit n\u00eb financimin e mjetit.<\/span><\/p>\n

\u201cNd\u00ebrkoh\u00eb, nga ana tjet\u00ebr, tregu nuk na ka l\u00ebn\u00eb shum\u00eb hap\u00ebsira edhe n\u00eb financimin e pajisjeve t\u00eb tjera, si p\u00ebr shembull makineri ose linja prodhimi, edhe p\u00ebr faktin se \u00ebsht\u00eb e v\u00ebshtir\u00eb t\u00eb gjesh nj\u00eb avantazh t\u00eb leasing-ut ndaj kredis\u00eb bankare p\u00ebr k\u00ebto produkte t\u00eb tjera.<\/span><\/p>\n

Megjithat\u00eb, ne p\u00ebrpiqemi t\u00eb jemi aktiv\u00eb n\u00eb tregun e leasing-ut kur konstatojm\u00eb se nj\u00eb klient potencial mund t\u00eb ket\u00eb avantazhe fiskale nga leasing-u, ose kur vet\u00eb klienti e k\u00ebrkon si produkt\u201d \u2013 thot\u00eb z.Rama.<\/span><\/p>\n

Fitimi i tregut, n\u00eb r\u00ebnie krahasuar me nj\u00eb vit m\u00eb par\u00eb<\/strong><\/span><\/p>\n

Rritja e aktivitetit gjat\u00eb vitit 2022 \u00ebsht\u00eb shoq\u00ebruar paralelisht me nj\u00eb ecuri financiare pozitive, por megjithat\u00eb rezultati i tregut ka rezultuar pak m\u00eb i ul\u00ebt krahasuar me vitin 2021.<\/span><\/p>\n

K\u00ebtu nuk p\u00ebrfshihet rezultati i Bankave Credins dhe OTP Albania, p\u00ebr t\u00eb cilat rezultati nga aktiviteti i qiras\u00eb financiare \u00ebsht\u00eb i p\u00ebrfshir\u00eb n\u00eb rezultatin e p\u00ebrgjithsh\u00ebm t\u00eb bank\u00ebs.<\/span><\/p>\n

Sipas pasqyrave financiare t\u00eb subjekteve, rezultati i gjasht\u00eb institucioneve financiare jobanka, q\u00eb kan\u00eb pjes\u00eb t\u00eb aktivitetit t\u00eb tyre qiran\u00eb financiare, vitin e kaluar kishte vler\u00ebn e 206 milion\u00eb lek\u00ebve, n\u00eb r\u00ebnie me 12.5% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Megjith\u00ebse n\u00eb p\u00ebrgjith\u00ebsi t\u00eb ardhurat e aktivitetit jan\u00eb rritur, efektin kryesor n\u00eb tkurrjen e fitimit e ka dh\u00ebn\u00eb rritja e shpenzimeve n\u00eb disa z\u00ebra, q\u00eb nga shpenzimet e personelit dhe shpenzimet operative, deri tek zhvler\u00ebsimi i aktiveve dhe humbjet nga kursi i k\u00ebmbimit.<\/span><\/p>\n

Pes\u00eb institucione financiare e kan\u00eb mbyllur vitin me fitim dhe vet\u00ebm nj\u00eb me humbje.<\/span><\/p>\n

Rezultatin m\u00eb t\u00eb lart\u00eb vitin e kaluar e ka raportuar kompania Porsche Leasing, p\u00ebr nj\u00eb vler\u00eb totale prej 70 milion\u00eb lek\u00ebsh. Fitimi i Porsche Leasing \u00ebsht\u00eb rritur me 155% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Vijon Raiffeisen Leasing, me nj\u00eb fitim neto prej 53 milion\u00eb lek\u00ebsh, n\u00eb r\u00ebnie me 10% krahasuar me vitin 2021.<\/span><\/p>\n

Vijon me nj\u00eb diferenc\u00eb t\u00eb vog\u00ebl Landeslease, q\u00eb raportoi fitim t\u00eb p\u00ebrgjithsh\u00ebm prej 50 milion\u00eb lek\u00ebsh, 15% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Edhe Tirana Factoring & Lease ka raportuar nj\u00eb r\u00ebnie t\u00eb leht\u00eb t\u00eb fitimeve, n\u00eb vler\u00ebn e 45 milion\u00eb lek\u00ebve, 13% m\u00eb pak krahasuar me vitin 2021.<\/span><\/p>\n

E vetmja kompani e qiras\u00eb financiare q\u00eb ka raportuar rezultat me humbje vitin e kaluar \u00ebsht\u00eb Albania Leasing, n\u00eb vler\u00ebn e 17 milion\u00eb lek\u00ebve, p\u00ebrkundrejt nj\u00eb rezultati pozitiv prej 31 milion\u00eb lek\u00ebsh t\u00eb arritur n\u00eb vitin 2021.<\/span><\/p>\n

\"\"<\/a>

Burimi: Pasqyrat financiare<\/span><\/p><\/div>\n

\n

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

Rritja e sektorit t\u00eb turizmit n\u00eb dy vitet e fundit po i jep shtys\u00eb edhe tregut t\u00eb qiras\u00eb financiare. Portofoli i qiras\u00eb financiare u rrit me ritme dyshifrore p\u00ebr t\u00eb dytin vit radhazi n\u00eb 2022, nd\u00ebrsa sipas aktor\u00ebve t\u00eb tregut, zgjerimi ka qen\u00eb edhe m\u00eb i lart\u00eb n\u00eb pjes\u00ebn e deritanishme t\u00eb k\u00ebtij viti \u00a0Tregu […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":623457,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-623452","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\/623452","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=623452"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/623452\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/623457"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=623452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=623452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=623452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}