{"id":699237,"date":"2024-09-18T07:25:47","date_gmt":"2024-09-18T05:25:47","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=699237"},"modified":"2024-09-18T07:25:47","modified_gmt":"2024-09-18T05:25:47","slug":"biznesi-i-kredive-te-shpejta-arriti-nje-rekord-te-ri-fitimesh-ne-2023","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2024\/09\/18\/biznesi-i-kredive-te-shpejta-arriti-nje-rekord-te-ri-fitimesh-ne-2023\/","title":{"rendered":"Biznesi i kredive t\u00eb shpejta arriti nj\u00eb rekord t\u00eb ri fitimesh n\u00eb 2023","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/p>\n

Kompanit\u00eb e kredive t\u00eb shpejta konsumatore arrit\u00ebn fitime rekord vitin e kaluar.<\/span><\/p>\n

Sipas pasqyrave zyrtare financiare, dy kompanit\u00eb m\u00eb t\u00eb m\u00ebdha n\u00eb k\u00ebt\u00eb treg, IuteCredit Albania dhe Kredo Finance raportuan nj\u00eb fitim neto pas taksave n\u00eb vler\u00ebn e 1.56 miliard\u00eb lek\u00ebve ose rreth 15 milion\u00eb eurove.<\/span><\/p>\n

Fitimi i dy huadh\u00ebn\u00ebse kryesor\u00eb t\u00eb kredive t\u00eb shpejta arriti nivelin m\u00eb t\u00eb lart\u00eb historik dhe u rrit me 50% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Ve\u00e7mas, IuteCredit Albania e mbylli vitin me nj\u00eb fitim neto n\u00eb vler\u00ebn e 634 milion\u00eb lek\u00ebve, n\u00eb rritje me 126% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Nd\u00ebrsa Kredo Finance raportoi fitim neto n\u00eb vler\u00ebn e 923 milion\u00eb lek\u00ebve, n\u00eb rritje me 22% krahasuar me vitin 2020.<\/span><\/p>\n

Edhe t\u00eb marra ve\u00e7mas, t\u00eb dy kompanit\u00eb sh\u00ebnuan vlerat m\u00eb t\u00eb larta t\u00eb fitimit t\u00eb arritur ndonj\u00ebher\u00eb.<\/span><\/p>\n

Vlerat e kthimit nga kapitali aksioner jan\u00eb gjithashtu shum\u00eb t\u00eb larta, krahasuar me bankat tregtare dhe institucionet e tjera financiare.<\/span><\/p>\n

K\u00ebshtu, Kredo arriti nj\u00eb kthim nga kapitali (fitim neto\/kapital mesatar vjetor) n\u00eb mas\u00ebn 83%, nd\u00ebrsa IuteCredit n\u00eb mas\u00ebn 43%.<\/span><\/p>\n

T\u00eb dyja kompanit\u00eb s\u00eb bashku kishin n\u00eb fund t\u00eb vitit nj\u00eb portofol kredie n\u00eb vler\u00ebn e 10.7 miliard\u00eb lek\u00ebve, me nj\u00eb rritje prej 16% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Megjithat\u00eb, vlera e portofolit n\u00eb fund t\u00eb vitit nuk jep nj\u00eb ide t\u00eb plot\u00eb t\u00eb volumit kreditues t\u00eb kompanive, sepse nj\u00eb pjes\u00eb e madhe e portofolit \u00ebsht\u00eb afatshkurt\u00ebr dhe maturohet e rifinancohet brenda vitit financiar.<\/span><\/p>\n

Mikrofinanca e kredive t\u00eb shpejta ka marr\u00eb nj\u00eb zhvillim t\u00eb shpejt\u00eb pas vitit 2016, duke sjell\u00eb n\u00eb Shqip\u00ebri modele biznesi t\u00eb zbatuara m\u00eb par\u00eb n\u00eb vendet Balltike dhe n\u00eb vende t\u00eb tjera t\u00eb Europ\u00ebs Lindore.<\/span><\/p>\n

K\u00ebto kredi p\u00ebrgjith\u00ebsisht jepen n\u00eb shuma t\u00eb vogla dhe me afate t\u00eb shkurtra maturimi. Avantazhi i tyre konsiston n\u00eb vendimmarrjen e shpejt\u00eb dhe me procedura burokratike minimale, por, q\u00eb nga ana tjet\u00ebr, ato bartin rreziqe m\u00eb t\u00eb m\u00ebdha dhe norma efektive interesi shum\u00eb t\u00eb larta se kredit\u00eb q\u00eb ofron sektori bankar.<\/span><\/p>\n

K\u00ebto produkte jan\u00eb kryesisht t\u00eb orientuara tek segmenti i konsumator\u00ebve me informalitet dhe me rrezik m\u00eb t\u00eb lart\u00eb, q\u00eb ka v\u00ebshtir\u00ebsi p\u00ebr t\u00eb gjetur akses n\u00eb financim nga sektori bankar.<\/span><\/p>\n

Q\u00eb nga fillimi i vitit 2021 ky sektor po p\u00ebrballet me normat tavan t\u00eb interesit t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb p\u00ebr kredit\u00eb konsumatore. Ky rregullim i ka ulur normat efektive t\u00eb interesit q\u00eb ofrojn\u00eb k\u00ebto institucione, por fitimet e tyre kan\u00eb vazhduar t\u00eb rriten, edhe fal\u00eb zgjerimit t\u00eb shpejt\u00eb t\u00eb volumit t\u00eb kreditimit.<\/span><\/p>\n

Megjithat\u00eb, k\u00ebt\u00eb vit Banka e Shqip\u00ebris\u00eb po punon p\u00ebr ndryshime rregullatore, q\u00eb pritet t\u00eb sjellin shtr\u00ebngime t\u00eb ndjeshme p\u00ebr kredidh\u00ebnien e institucioneve mikrofinanciare, ve\u00e7an\u00ebrisht atyre q\u00eb japin kredi t\u00eb shpejta.<\/span><\/p>\n

Rregullorja q\u00eb synon t\u00eb kufizoj\u00eb huadh\u00ebnien dhe baz\u00ebn e klientel\u00ebs n\u00eb mikrofinanc\u00ebn konsumatore pritet t\u00eb jet\u00eb gati gjat\u00eb vjesht\u00ebs.<\/span><\/p>\n

Disa nga parimet ku do t\u00eb mb\u00ebshtetet rregullorja e re do t\u00eb jen\u00eb nj\u00eb analiz\u00eb e shtuar financiare e huamarr\u00ebsve, vendosja e nj\u00eb credit scoring (pik\u00ebzimi i kredimarr\u00ebsve) dhe kufizim t\u00eb numrit t\u00eb kredive p\u00ebr nj\u00eb huamarr\u00ebs t\u00eb vet\u00ebm. \/E.Shehu<\/span><\/p>\n

VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span><\/span><\/p>\n

\"\"<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kompanit\u00eb e kredive t\u00eb shpejta konsumatore arrit\u00ebn fitime rekord vitin e kaluar. Sipas pasqyrave zyrtare financiare, dy kompanit\u00eb m\u00eb t\u00eb m\u00ebdha n\u00eb k\u00ebt\u00eb treg, IuteCredit Albania dhe Kredo Finance raportuan nj\u00eb fitim neto pas taksave n\u00eb vler\u00ebn e 1.56 miliard\u00eb lek\u00ebve ose rreth 15 milion\u00eb eurove. Fitimi i dy huadh\u00ebn\u00ebse kryesor\u00eb t\u00eb kredive t\u00eb shpejta […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":699239,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-699237","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\/699237","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=699237"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/699237\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/699239"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=699237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=699237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=699237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}