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Kredia p\u00ebr ekonomin\u00eb n\u00eb euro sh\u00ebnoi nj\u00eb rritje t\u00eb fort\u00eb n\u00eb muajin gusht. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia n\u00eb monedh\u00ebn europiane arriti vler\u00ebn ekuvalente t\u00eb 21.7 miliard\u00eb lek\u00ebve.<\/span><\/p>\n Kjo sh\u00ebnon edhe vler\u00ebn m\u00eb t\u00eb madhe mujore t\u00eb kredis\u00eb n\u00eb euro t\u00eb dh\u00ebn\u00eb ndonj\u00ebher\u00eb nga sektori bankar. Krahasuar me gushtin e vitit t\u00eb kaluar, kredia e re n\u00eb euro \u00ebsht\u00eb rritur me 84%.<\/span><\/p>\n Statistikat e detajuara tregojn\u00eb se n\u00eb pjes\u00ebn d\u00ebrrmuese e kredia n\u00eb euro p\u00ebr muajin gusht ka qen\u00eb e p\u00ebrqendruar n\u00eb segmentin e biznesit dhe sidomos n\u00eb kredin\u00eb p\u00ebr pasuri t\u00eb paluajtshme, p\u00ebr nj\u00eb vler\u00eb totale prej 15 miliard\u00eb lek\u00ebsh. Me shum\u00eb t\u00eb ngjar\u00eb, k\u00ebrcimi i fort\u00eb i kredis\u00eb n\u00eb euro i detyrohet kredive n\u00eb vlera t\u00eb m\u00ebdha t\u00eb dh\u00ebna n\u00eb segmentin e korporatave.<\/span><\/p>\n Megjithat\u00eb, rritja e fort\u00eb e kredis\u00eb n\u00eb euro p\u00ebr gushtin p\u00ebrfaq\u00ebson nj\u00eb sinjal se interesi p\u00ebr huamarrjen n\u00eb euro nga sektori privat i ekonomis\u00eb shqiptare mund t\u2019i rikthehet rritjes.<\/span><\/p>\n Kredia n\u00eb euro kishte p\u00ebsuar nj\u00eb r\u00ebnie t\u00eb ndjeshme, sidomos duke filluar nga mesi i vitit t\u00eb kaluar. Arsyeja kryesore duket se ka qen\u00eb rritja e shpejt\u00eb e normave t\u00eb interesit nga Banka Qendrore Europiane (ECB). <\/span><\/p>\n Kjo rritje u reflektua n\u00eb rritjen e treguesit benchmark t\u00eb euriborit, q\u00eb sh\u00ebrben si norm\u00eb reference p\u00ebr t\u00eb kuotuar kredit\u00eb n\u00eb euro t\u00eb huamarr\u00ebsve privat\u00eb edhe n\u00eb Shqip\u00ebri. N\u00eb kushtet kur normat e interesit t\u00eb euros, p\u00ebr her\u00eb t\u00eb par\u00eb, arrit\u00ebn nivele m\u00eb t\u00eb larta se ato t\u00eb lekut, kreditimi i sektorit bankar u zhvendos fuqish\u00ebm drejt lekut.<\/span><\/p>\n Q\u00eb nga mesi i k\u00ebtij viti, megjithat\u00eb, gj\u00ebrat po ndryshojn\u00eb. N\u00eb p\u00ebrgjigje ndaj r\u00ebnies s\u00eb inflacionit dhe recesionit t\u00eb ekonomis\u00eb s\u00eb Eurozon\u00ebs, Banka Qendrore Europiane ka nisur uljen e normave t\u00eb interesit. Q\u00eb nga muaji qershor deri n\u00eb tetor, normat e interesit jan\u00eb ulur me tre her\u00eb. Norma e instrumentit baz\u00eb t\u00eb rifinancimit ka zbritur tashm\u00eb n\u00eb 3.4%, nga niveli maksimal prej 4.5% ku ndodhej deri n\u00eb qershor.<\/span><\/p>\n Kjo ulje e normave t\u00eb interesit po reflektohet edhe n\u00eb ecurin\u00eb e Euriborit. Euribori 12-mujor, q\u00eb \u00ebsht\u00eb edhe treguesi benchmark m\u00eb i p\u00ebrdorur nga bankat tregtare shqiptare n\u00eb huadh\u00ebnie, aktualisht ka zbritur posht\u00eb nivelit 2.7%. Euribori ka arritur tashm\u00eb nivelin m\u00eb t\u00eb ul\u00ebt n\u00eb dy vitet e fundit. <\/span><\/p>\n Mb\u00ebshtetur n\u00eb pritshm\u00ebrit\u00eb p\u00ebr nj\u00eb ulje t\u00eb m\u00ebtejshme t\u00eb normave t\u00eb interesit nga ECB-ja, \u00ebsht\u00eb e ngjashme q\u00eb Euribori t\u00eb vazhdoj\u00eb m\u00eb tej r\u00ebnien gjat\u00eb muajve t\u00eb ardhsh\u00ebm. R\u00ebnia e normave t\u00eb interesit t\u00eb euros ka t\u00eb ngjar\u00eb ta b\u00ebj\u00eb monedh\u00ebn europiane s\u00ebrish t\u00ebrheq\u00ebse n\u00eb kreditim. \/E.Shehu<\/span><\/p>\n