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Fondi Monetar Nd\u00ebrkom\u00ebb\u00ebtar (FMN) vler\u00ebson se ruajtja e pavar\u00ebsis\u00eb s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb thelb\u00ebsore p\u00ebr ruajtjen e stabilitetit financiar t\u00eb vendit.<\/span><\/p>\n Drejtoresha e Departamentit t\u00eb Komunikimit n\u00eb FMN, Julie Kozack, n\u00eb nj\u00eb konferenc\u00eb p\u00ebr mediat iu p\u00ebrgjigj interesimit t\u00eb \u201cMonitor\u201d, lidhur me \u00e7\u00ebshtjen ligjore t\u00eb hapur nga Prokuroria ndaj disa institucioneve financiare jobanka, shoq\u00ebrive p\u00ebrmbarimore dhe p\u00ebrmbarues gjyq\u00ebsor\u00eb private p\u00ebr abuzimet n\u00eb procesin e mbledhjes s\u00eb detyrimeve t\u00eb pashlyera.<\/span><\/p>\n Zonja Kozack tha se FMN nuk mund t\u00eb komentoj\u00eb nj\u00eb \u00e7\u00ebshtje q\u00eb ndodhet n\u00eb proces hetimi. Megjithat\u00eb, ajo theksoi se FMN ka mb\u00ebshtetur n\u00eb vitin 2015 planin e autoriteteve shqiptare, p\u00ebr uljen e raportit t\u00eb kredive me probleme. Si pjes\u00eb e k\u00ebtij plani, Banka e Shqip\u00ebris\u00eb mori mandat ligjor p\u00ebr licencimin dhe mbik\u00ebqyrjen e institucioneve t\u00eb mbledhjes s\u00eb kredive me probleme. Ajo gjithashtu theksoi se, pavar\u00ebsisht zhvillimeve t\u00eb k\u00ebsja \u00e7\u00ebshtjeje, ruajtja e pavar\u00ebsis\u00eb s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb e domosdoshme, n\u00eb m\u00ebnyr\u00eb q\u00eb ky institucion t\u00eb p\u00ebrmbush\u00eb misionin ligjor p\u00ebr ruajtjen e stabilitetit t\u00eb \u00e7mimeve dhe atij financiar.<\/span><\/p>\n \u201cShum\u00eb prej jush e din\u00eb q\u00eb ne nuk mund t\u00eb komentojm\u00eb nj\u00eb hetim ligjor q\u00eb \u00ebsht\u00eb n\u00eb zhvillim e sip\u00ebr. Megjithat\u00eb, duam vet\u00ebm t\u00eb sqarojm\u00eb nj\u00eb element specifik. \u00cbsht\u00eb nj\u00eb \u00e7\u00ebshtje e njohur publikisht q\u00eb analizat n\u00eb kuad\u00ebr t\u00eb programit t\u00eb mb\u00ebshtetur nga FMN n\u00eb vitet 2015 dhe 2016 identifikuan nivele t\u00eb larta t\u00eb kredive me probleme, si nj\u00eb element cenueshm\u00ebrie p\u00ebr sektorin bankar. N\u00eb k\u00ebt\u00eb kontekst, FMN miratoi planin e veprimit t\u00eb autoriteteve shqiptare t\u00eb vitit 2015 p\u00ebr t\u00eb reduktuar kredit\u00eb me probleme. Ky plan, mes t\u00eb tjerash, i dha Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb mandatin e licencimit dhe mbik\u00ebqyrjes s\u00eb shoq\u00ebrive t\u00eb menaxhimit t\u00eb kredive me probleme, duke pasur parasysh nd\u00ebrlidhjen e tyre me sistemin bankar. Gjithashtu, duam t\u00eb shtojm\u00eb se ruajtja e pavar\u00ebsis\u00eb s\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb nj\u00eb faktor ky\u00e7 p\u00ebr ruajtjen e stabilitetit t\u00eb \u00e7mimeve dhe atij financiar,\u201d<\/span><\/i> tha znj.Kozack.<\/span><\/span><\/p>\n Gjat\u00eb muajit maj, Prokuroria e Tiran\u00ebs njoftoi zyrtarisht hapjen e procedimit p\u00ebr vepr\u00ebn penale.<\/span><\/p>\n \u2018Skema mashtruese dhe piramidale\u2019, si pjes\u00eb e kall\u00ebzimit penal nr.3464, dat\u00eb 25.02.2020, i Ministris\u00eb s\u00eb Drejt\u00ebsis\u00eb ndaj subjekteve Micro Credit Albania, ADCA, SHP Zig, FS, FLASH. Gjithashtu, ndaj aksioner\u00ebve e drejtuesve t\u00eb k\u00ebtyre kompanive dhe disa p\u00ebrmbaruesve gjyq\u00ebsor\u00eb privat\u00eb jan\u00eb ngritur akuza p\u00ebr shp\u00ebrdorim detyre dhe vjedhje.<\/span><\/p>\n N\u00eb vijim t\u00eb hapjes s\u00eb procedimit penal, Banka e Shqip\u00ebris\u00eb vendosi revokimin e licenc\u00ebs s\u00eb institucioneve financiare jobanka MicroCredit Albania dhe Final.<\/span><\/p>\n Lidhur me k\u00ebt\u00eb \u00e7\u00ebshtje, Banka e Shqip\u00ebris\u00eb shprehet se problematikat e evidentuara kan\u00eb ndodhur n\u00eb faz\u00ebn e ekzekutimit t\u00eb detyruesh\u00ebm dhe n\u00eb kryerjen e veprimeve p\u00ebrmbarimore n\u00eb mb\u00ebshtetje t\u00eb urdh\u00ebrit t\u00eb ekzekutimit.<\/span><\/p>\n \u201cKuadri ligjor nuk i jep Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kompetenc\u00ebn t\u00eb urdh\u00ebroj\u00eb ndalimin\/pezullimin e proceseve t\u00eb ekzekutimit t\u00eb detyrimeve. Kjo \u00ebsht\u00eb nj\u00eb kompetenc\u00eb q\u00eb ligji ia njeh vet\u00ebm gjykat\u00ebs. P\u00ebr rrjedhoj\u00eb, veprimtaria e sh\u00ebrbimit p\u00ebrmbarimor nuk \u00ebsht\u00eb objekt kontrolli nga Banka e Shqip\u00ebris\u00eb, e cila nuk ka asnj\u00eb kompetenc\u00eb p\u00ebr t\u00eb nd\u00ebrhyr\u00eb. N\u00eb k\u00ebt\u00eb pik\u00eb theksojm\u00eb se, autoriteti ligjor i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebrfundon n\u00eb momentin q\u00eb gjykata l\u00ebshon urdhrin e ekzekutimit p\u00ebr t\u00eb rikuperuar kredin\u00eb e pashlyer. \u00c7do proces p\u00ebrtej k\u00ebtij momenti (ankandet, vendosja e sekuestrove apo \u00e7do veprim tjet\u00ebr procedural i nd\u00ebrmarr\u00eb nga shoq\u00ebria p\u00ebrmbarimore) \u00ebsht\u00eb jasht\u00eb kompetencave ligjore t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe nuk mund t\u00eb ndiqet apo rregullohet prej saj. Po ashtu, Banka e Shqip\u00ebris\u00eb nuk mund t\u00eb nd\u00ebrhyj\u00eb n\u00eb marr\u00ebdheniet q\u00eb MCA ka me n\u00ebnkontraktor\u00ebt e saj, si\u00e7 \u00ebsht\u00eb rasti i sh\u00ebrbimit p\u00ebrmbarimor,\u201d thuhet n\u00eb nj\u00eb prononcim t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr \u201cMonitor\u201d.<\/span><\/i><\/span><\/p>\n Banka e Shqip\u00ebris\u00eb n\u00ebnvizon se ka rekomanduar dhe vazhdon t\u00eb sugjeroj\u00eb disa aksione t\u00eb cilat do t\u00eb sillnin nj\u00eb p\u00ebrmir\u00ebsim t\u00eb qen\u00ebsish\u00ebm t\u00eb gjith\u00eb ketij procesi, por q\u00eb k\u00ebrkojn\u00eb p\u00ebrfshirjen edhe t\u00eb pal\u00ebve t\u00eb tjera.<\/span><\/i><\/span><\/p>\n \u201cKonkretisht, ne gjykojm\u00eb se \u00ebsht\u00eb e nevojshme t\u00eb b\u00ebhen ndryshime n\u00eb Kodin e Procedur\u00ebs Civile p\u00ebr rregullimin e t\u00eb gjitha veprimeve me karakter procedural t\u00eb p\u00ebrmbaruesve gjyq\u00ebsor\u00eb gjat\u00eb ekzekutimit t\u00eb titujve ekzekutiv\u00eb; hartimin, n\u00eb bashk\u00ebpunim me Bank\u00ebn Boterore, t\u00eb nj\u00eb Ligji t\u00eb posa\u00e7\u00ebm p\u00ebr mbrojtjen e konsumatorit n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka; p\u00ebrkthimin n\u00eb ligje t\u00eb ndryshimeve rregullative t\u00eb nd\u00ebrmarra nga Banka e Shqip\u00ebris\u00eb, mbi vendosjen e tavaneve p\u00ebr penalitetet dhe normat e interesit; shnd\u00ebrrimin e t\u00eb gjitha subjekteve financiare jobanka n\u00eb shoq\u00ebri aksionare, me q\u00ebllim rritjen e kontrollit t\u00eb brendsh\u00ebm dhe organizimin e drejtimit me dy nivele; regjistrimin kontab\u00ebl vet\u00ebm t\u00eb principalit dhe interesit n\u00eb rastin e blerjes s\u00eb portofoleve, t\u00eb pakt\u00ebn deri n\u00eb p\u00ebrcaktimin e tavaneve ligjore p\u00ebr normat e intereresit,\u201d <\/span><\/i>shprehet Banka e Shqip\u00ebris\u00eb.<\/span><\/span><\/p>\n