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Statistikat tregojn\u00eb se rritja e shpejt\u00eb e kredis\u00eb po ec\u00ebn paralelisht n\u00eb sektorin bankar dhe at\u00eb jobankar.<\/span><\/p>\n Kredia e dh\u00ebn\u00eb nga institucionet financiare jobanka ka kaluar vler\u00ebn e 600 milion\u00eb eurove n\u00eb tremujorin e dyt\u00eb t\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, portofoli i huas\u00eb i institucioneve financiare jobanka n\u00eb mesin e vitit 2024 arriti n\u00eb 60.9 miliard\u00eb lek\u00eb, ose pothuajse 485 milion\u00eb euro.<\/span><\/p>\n Portofoli i kredis\u00eb i dh\u00ebn\u00eb nga k\u00ebto institucione \u00ebsht\u00eb rritur me 9.1% q\u00eb nga fillimi i vitit dhe me 17.8% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. N\u00eb pjes\u00ebn d\u00ebrrmuese, portofoli kredis\u00eb s\u00eb institucioneve financiare jobanka i takon subjekteve t\u00eb kredidh\u00ebnies dhe t\u00eb mikrofinanc\u00ebs. Vler\u00ebsohet se kredia e dh\u00ebn\u00eb nga ky sektor p\u00ebrb\u00ebn tashm\u00eb af\u00ebrsisht 7.5% t\u00eb portofolit total t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb.<\/span><\/p>\n Kredia e institucioneve financiare jobanka jepet kryesisht n\u00eb monedh\u00ebn vendase dhe kjo ka b\u00ebr\u00eb q\u00eb efekti i forcimit t\u00eb lekut n\u00eb kursin e k\u00ebmbimit t\u00eb jet\u00eb m\u00eb i vog\u00ebl krahasuar me sektorin bankar. N\u00eb mesin e k\u00ebtij viti, kredia n\u00eb lek\u00eb p\u00ebrb\u00ebnte pothuajse 69% t\u00eb vler\u00ebs totale t\u00eb portofolit t\u00eb kredis\u00eb.<\/span><\/p>\n Rritja e shpejt\u00eb e kredis\u00eb nga institucionet financiare jobanka d\u00ebshmon ecurin\u00eb e mir\u00eb t\u00eb kreditimit t\u00eb ekonomis\u00eb n\u00eb p\u00ebrgjith\u00ebsi, por gjithashtu edhe nj\u00eb cik\u00ebl pozitiv disavje\u00e7ar rrit\u00ebs t\u00eb sektorit t\u00eb subjekteve financiare jobankare.<\/span><\/p>\n Kontributin kryesor n\u00eb rritjen e kreditimit n\u00eb vitet e fundit e kan\u00eb dh\u00ebn\u00eb n\u00eb ve\u00e7anti produktet e mikrofinanc\u00ebs. Mikrofinanca krediton nevojat konsumatore t\u00eb individ\u00ebve dhe aktivitetin e bizneseve t\u00eb vogla dhe mikro, kryesisht n\u00eb at\u00eb segment q\u00eb nuk gjen akses p\u00ebr financim nga sektori bankar.<\/span><\/p>\n T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se paralelisht me rritjen e kredis\u00eb \u00ebsht\u00eb p\u00ebrmir\u00ebsuar edhe cil\u00ebsia e portofolit. Raporti i kredive me probleme n\u00eb fund t\u00eb 6-mujorit 2024 ra n\u00eb nivelin 12.8%, nga 13.3% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Megjithat\u00eb, rritja e shpejt\u00eb e kreditimit nga sektori financiar jobankar dhe ve\u00e7an\u00ebrisht nga segmeti i produkteve t\u00eb mikrofinanc\u00ebs mund t\u00eb ndikohet nga masat e reja rregullatore q\u00eb pritet t\u00eb miratoj\u00eb Banka e Shqip\u00ebris\u00eb.<\/span><\/p>\n Mb\u00ebshtetur n\u00eb parashikimet e projektrregullores \u201cP\u00ebr administrimin e rrezikut n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka\u201d, pritet nj\u00eb shtr\u00ebngim i fort\u00eb n\u00eb hap\u00ebsirat kredituese t\u00eb institucioneve financiare jobanka.<\/span><\/p>\n Nj\u00eb institucion financiar jobank\u00eb nuk do t\u00eb lejohet t\u00eb jap\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb m\u00eb shum\u00eb se dy kredi konsumatore p\u00ebr t\u00eb nj\u00ebjtin huamarr\u00ebs.<\/span><\/p>\n Projektrregullorja vendos gjithashtu nj\u00eb vler\u00eb tavan t\u00eb k\u00ebsteve t\u00eb kredis\u00eb n\u00eb raport me t\u00eb ardhurat mujore neto t\u00eb huamarr\u00ebsve. Raporti i sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave (DSTI) do t\u00eb llogaritet si vlera e totalit t\u00eb k\u00ebsteve mujore t\u00eb kredive ekzistuese, duke p\u00ebrfshir\u00eb edhe kredin\u00eb p\u00ebr t\u00eb cil\u00ebn po aplikohet, t\u00eb pjes\u00ebtuar me t\u00eb ardhurat neto t\u00eb t\u00eb gjith\u00eb bashk\u00ebkredimarr\u00ebsve.<\/span><\/p>\n Vlera e raportit t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave nuk duhet t\u00eb tejkaloj\u00eb vler\u00ebn prej 40%. Kjo vler\u00eb mund t\u00eb jet\u00eb m\u00eb e lart\u00eb vet\u00ebm n\u00eb rastet kur kredimarr\u00ebsi ka evidenca t\u00eb mjaftueshme q\u00eb niveli m\u00eb i lart\u00eb i raportit nuk c\u00ebnon pages\u00ebn e detyrimeve t\u00eb kredis\u00eb.<\/span><\/p>\n Projektrregullorja parashikon gjithashtu edhe k\u00ebrkesa m\u00eb t\u00eb detajuara dhe rigoroze t\u00eb administrimit t\u00eb rrezikut mbi huadh\u00ebnien konsumatore.<\/span><\/p>\n K\u00ebrkesat e reja, q\u00eb parashikojn\u00eb vler\u00ebsimin e detajuar t\u00eb aft\u00ebsis\u00eb paguese, pritet ta v\u00ebshtir\u00ebsojn\u00eb shum\u00eb dh\u00ebnien e kredive vet\u00ebm me nj\u00eb dokument identiteti brenda afateve kohore shum\u00eb t\u00eb shpejta (n\u00eb harkun e pak minutave), praktik\u00eb q\u00eb ndiqet gjer\u00ebsisht nga disa institucione t\u00eb mikrofinanc\u00ebs konsumatore.\/E.Shehu<\/span><\/p>\n
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