{"id":695636,"date":"2024-08-28T14:35:14","date_gmt":"2024-08-28T12:35:14","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=695636"},"modified":"2024-08-28T14:35:14","modified_gmt":"2024-08-28T12:35:14","slug":"tabaku-prezanton-nismen-ligjore-te-mbrojme-kredimarresit-nga-praktikat-grabitqare-te-huadhenies","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2024\/08\/28\/tabaku-prezanton-nismen-ligjore-te-mbrojme-kredimarresit-nga-praktikat-grabitqare-te-huadhenies\/","title":{"rendered":"Tabaku prezanton nism\u00ebn ligjore: T\u00eb mbrojm\u00eb kredimarr\u00ebsit nga praktikat grabitqare t\u00eb huadh\u00ebnies","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Deputetja Partis\u00eb Demokratike, Jorida Tabaku ka nd\u00ebrmarr\u00eb nj\u00eb iniciativ\u00eb ligjore p\u00ebr nj\u00eb paket\u00eb t\u00eb plot\u00eb n\u00eb fush\u00ebn e mbrojtjes s\u00eb konsumatorit n\u00eb sektorin bankar.<\/span><\/p>\n

Tabaku p\u00ebrmes nj\u00eb reagimi n\u00eb rrjetet sociale, u shpreh se nisma do t\u00eb t\u00eb kuror\u00ebzohet n\u00eb jav\u00ebt q\u00eb vijn\u00eb.<\/span><\/p>\n

Duke folur p\u00ebr iniciativ\u00ebn e nd\u00ebrmarr\u00eb prej saj, Tabaku tha se ajo ka p\u00ebr q\u00ebllim vet\u00ebm mbrojtjen e kredimarr\u00ebsve nga praktikat grabitqare t\u00eb huadh\u00ebnies.<\/span><\/p>\n

\u201cDetyra e nj\u00eb deputeti n\u00eb Kuvend \u00ebsht\u00eb q\u00eb t\u00eb mbroj\u00eb interesat e publikut dhe nj\u00ebkoh\u00ebsisht t\u00eb jet\u00eb pararoj\u00eb dhe t\u00eb propozoj\u00eb ndryshime ligjore apo ligje t\u00eb reja p\u00ebr ta mbrojtur k\u00ebt\u00eb interes. Prandaj, s\u00eb bashku me nj\u00eb grup specialist\u00ebsh q\u00eb jan\u00eb bipartizan\u00eb, kam nd\u00ebrmarr\u00eb q\u00eb prej fillimit t\u00eb k\u00ebtij muaji nj\u00eb nism\u00eb q\u00eb do t\u00eb kuror\u00ebzohet n\u00eb jav\u00ebt n\u00eb vijim p\u00ebr t\u00eb mbrojtur t\u00eb drejtat e konsumator\u00ebve n\u00eb fush\u00ebn e sh\u00ebrbimeve financiare<\/em>\u201d, tha ajo.<\/span><\/p>\n

 <\/p>\n

Postimi plot\u00eb:<\/em><\/span><\/p>\n

Prej disa jav\u00ebsh, shqiptar\u00ebt jan\u00eb p\u00ebrballur me realitetin e trisht\u00eb q\u00eb u ka marr\u00eb bashk\u00ebqytetar\u00ebve pronat, kursimet dhe, fatkeq\u00ebsisht, edhe jet\u00ebn. Nj\u00eb grup p\u00ebrmbaruesish, mbledh\u00ebsish t\u00eb kredive t\u00eb k\u00ebqija dhe p\u00ebrfitues imoral\u00eb t\u00eb nj\u00eb legjislacioni me shum\u00eb boshll\u00ebqe na kan\u00eb kujtuar xhambaz\u00ebt q\u00eb Balzaku p\u00ebrshkruante n\u00eb librat e tij, q\u00eb mblidhnin kambialet e borxhlinjve duke p\u00ebrdorur dhe shfryt\u00ebzuar n\u00eb maksimum vuajtjet dhe nevojat e tyre.<\/em><\/span><\/p>\n

T\u00eb nj\u00ebjt\u00ebt persona menduan boshll\u00ebqet ligjore t\u00eb mikrokreditimit dhe licencimit t\u00eb shoq\u00ebrive t\u00eb borxhit t\u00eb keq si nj\u00eb hap\u00ebsir\u00eb ligjore abuzive. P\u00ebrfituan nga mungesa e rregullimit t\u00eb nj\u00eb zone gri, q\u00eb kishte hapur nj\u00eb der\u00eb abuzimi, p\u00ebr t\u00eb shpartalluar t\u00eb ardhurat e qytetar\u00ebve p\u00ebrmes kamatave abuzive dhe kriminale, q\u00eb kalonin nivelin e borxhit. Duke p\u00ebrdorur mbi t\u00eb gjitha hap\u00ebsir\u00ebn ligjore dhe nj\u00eb fush\u00eb t\u00ebr\u00ebsisht t\u00eb paorientuar n\u00eb mbrojtjen e konsumatorit, k\u00ebsaj radhe kredimarr\u00ebsit.<\/em><\/span><\/p>\n

Fatkeq\u00ebsisht, institucionet q\u00eb duhet t\u00eb mbik\u00ebqyrnin me imt\u00ebsi t\u00eb plot\u00eb situat\u00ebn dhe t\u00eb kontrollonin sjelljen e k\u00ebtyre institucioneve financiare, si Banka e Shqip\u00ebris\u00eb, b\u00ebn\u00eb sikur nuk e pan\u00eb situat\u00ebn. Nj\u00eb sjellje q\u00eb nuk ngrihet aspak n\u00eb lart\u00ebsin\u00eb e detyr\u00ebs q\u00eb ka institucioni i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe akoma m\u00eb tej luajti nj\u00eb ping-pong t\u00eb pandersh\u00ebm me institucionet e tjera. Nj\u00eb sjellje q\u00eb e pam\u00eb edhe n\u00eb raportimin e guvernatorit n\u00eb Parlament.<\/em><\/span><\/p>\n

Natyrisht, q\u00eb nj\u00eb vep\u00ebr e till\u00eb penale ka qen\u00eb tejet e sofistikuar, duke shfryt\u00ebzuar n\u00eb maksimum heshtjen e parlamentit, q\u00eb nuk ka mundur t\u00eb propozoj\u00eb ligje q\u00eb e rregullojn\u00eb k\u00ebt\u00eb \u00e7\u00ebshtje; t\u00eb nj\u00eb qeverie q\u00eb sjell me kamion\u00eb ligjet me porosi dhe p\u00ebrdor \u00e7do deputet t\u00eb mazhoranc\u00ebs p\u00ebr t\u00eb propozuar nj\u00eb ligj p\u00ebr interesa oligarkie, por q\u00eb nuk u kujtua aspak p\u00ebr nj\u00eb nevoj\u00eb t\u00eb till\u00eb; t\u00eb boshll\u00ebkut ligjor q\u00eb ofron Banka e Shqip\u00ebris\u00eb dhe mosp\u00ebrfilljes jo kok\u00eb\u00e7ar\u00ebse dhe deri menefregiste q\u00eb na dhuroi Ministria e Drejt\u00ebsis\u00eb. T\u00eb gjith\u00eb pra, bashk\u00ebfajtor\u00eb por jo bashk\u00ebvuajt\u00ebs n\u00eb tragjedin\u00eb e p\u00ebrbashk\u00ebt dhe t\u00eb hidhur t\u00eb shqiptar\u00ebve.<\/em><\/span><\/p>\n

Tani, koha ka ardhur q\u00eb ne t\u00eb veprojm\u00eb ndryshe! nd\u00ebrsa prouroria po heton cc\u00ebshtjen n\u00eb fjal\u00eb, n\u00eb pritje t\u00eb nj\u00eb vendimi t\u00eb kuvendit p\u00ebr nj\u00eb komision hetimor si kryetare e Komisionit t\u00eb \u00c7\u00ebshtjeve Europiane dhe gjithashtu an\u00ebtare e Komisionit t\u00eb Ekonomis\u00eb dhe Financave, si nj\u00eb nga ata deputet\u00eb q\u00eb k\u00ebrkova me ngulm q\u00eb Parlamenti t\u00eb ngrej\u00eb nj\u00eb komision parlamentar p\u00ebr t\u00eb shqyrtuar hap\u00ebsirat ligjore dhe jo vet\u00ebm n\u00eb drejtim t\u00eb mbrojtjes s\u00eb konsumatorit si dhe p\u00ebrputhjen me standardet m\u00eb t\u00eb mira t\u00eb BE-s\u00eb, kam nd\u00ebrmarr\u00eb nj\u00eb iniciativ\u00eb ligjore p\u00ebr nj\u00eb paket\u00eb t\u00eb plot\u00eb n\u00eb fush\u00ebn e mbrojtjes s\u00eb konsumatorit n\u00eb sektorin bankar.<\/em><\/span><\/p>\n

Iniciativa ka p\u00ebr q\u00ebllim vet\u00ebm mbrojtjen e kredimarr\u00ebsve nga praktikat grabitqare t\u00eb huadh\u00ebnies dhe veprimeve kriminale q\u00eb n\u00ebnkupton edhe p\u00ebrafrimin e gjith\u00eb legjislacionit p\u00ebr sh\u00ebrbimet financiare. Do t\u00eb angazhoj energjit\u00eb n\u00eb at\u00eb q\u00eb mendoj dhe besoj se \u00ebsht\u00eb detyra par\u00ebsore e Kuvendit: mbrojtja e qytetar\u00ebve dhe interesit t\u00eb tyre. Me t\u00eb nj\u00ebjtin pasion si n\u00eb rastin e mbrojtjes s\u00eb interesit kur u zbulua afera e incenerator\u00ebve apo dedikimit t\u00eb mbrojtjes s\u00eb interesit t\u00eb shtres\u00ebs s\u00eb mesme me ligjin antikushtetues t\u00eb taksimit t\u00eb profesioneve t\u00eb lira.<\/em><\/span><\/p>\n

Kjo nism\u00eb ka n\u00eb thelb p\u00ebrshtatjen dhe jo vet\u00ebm nj\u00eb ligj p\u00ebr mikrokredit\u00eb, financimin e FinTech dhe kamat\u00ebs sipas standardeve t\u00eb Bashkimit Europian. Nj\u00eb nism\u00eb q\u00eb natyrisht i sh\u00ebrben domosdoshm\u00ebrisht nj\u00eb tregu t\u00eb etur p\u00ebr rregull dhe sundim t\u00eb ligjit. Nj\u00eb nism\u00eb q\u00eb besoj dhe shpresoj se do t\u00eb gjej\u00eb mb\u00ebshtetjen tek koleg\u00ebt e mi t\u00eb t\u00eb dyja an\u00ebve t\u00eb ishullit politik parlamentar<\/em><\/span><\/p>\n

Detyra e nj\u00eb deputeti n\u00eb Kuvend \u00ebsht\u00eb q\u00eb t\u00eb mbroj\u00eb interesat e publikut dhe nj\u00ebkoh\u00ebsisht t\u00eb jet\u00eb pararoj\u00eb dhe t\u00eb propozoj\u00eb ndryshime ligjore apo ligje t\u00eb reja p\u00ebr ta mbrojtur k\u00ebt\u00eb interes. Prandaj, s\u00eb bashku me nj\u00eb grup specialist\u00ebsh q\u00eb jan\u00eb bipartizan\u00eb, kam nd\u00ebrmarr\u00eb q\u00eb prej fillimit t\u00eb k\u00ebtij muaji nj\u00eb nism\u00eb q\u00eb do t\u00eb kuror\u00ebzohet n\u00eb jav\u00ebt n\u00eb vijim p\u00ebr t\u00eb mbrojtur t\u00eb drejtat e konsumator\u00ebve n\u00eb fush\u00ebn e sh\u00ebrbimeve financiare.<\/em><\/span><\/p>\n

Kjo \u00ebsht\u00eb nj\u00eb nism\u00eb dhe nj\u00eb betej\u00eb q\u00eb u duhet shqiptar\u00ebve dhe qytetar\u00ebve p\u00ebr t\u2019u mbrojtur nga sjellja prej xhambazi q\u00eb jo rrall\u00eb t\u00eb kujton romanet e Balzakut, ku personazhet shtr\u00ebngoheshin n\u00eb gjith\u00ebfar\u00ebsoj m\u00ebnyrash p\u00ebr t\u00eb shlyer kambialet. Qindra konsumator\u00eb q\u00eb jan\u00eb duke vuajtur pasojat e arroganc\u00ebs, korrupsionit dhe munges\u00ebs s\u00eb rregullimit nuk e meritojn\u00eb t\u2019u zhvatet pasuria e tyre n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb. Prandaj \u00ebsht\u00eb e nevojshme t\u00eb miratohen standardet e praktikat m\u00eb t\u00eb mira t\u00eb BE-s\u00eb.<\/em><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Deputetja Partis\u00eb Demokratike, Jorida Tabaku ka nd\u00ebrmarr\u00eb nj\u00eb iniciativ\u00eb ligjore p\u00ebr nj\u00eb paket\u00eb t\u00eb plot\u00eb n\u00eb fush\u00ebn e mbrojtjes s\u00eb konsumatorit n\u00eb sektorin bankar. Tabaku p\u00ebrmes nj\u00eb reagimi n\u00eb rrjetet sociale, u shpreh se nisma do t\u00eb t\u00eb kuror\u00ebzohet n\u00eb jav\u00ebt q\u00eb vijn\u00eb. Duke folur p\u00ebr iniciativ\u00ebn e nd\u00ebrmarr\u00eb prej saj, Tabaku tha se ajo […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":683756,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-695636","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/695636","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=695636"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/695636\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/683756"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=695636"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=695636"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=695636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}