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Transfertat komb\u00ebtare n\u00eb euro po rriten me ritme t\u00eb shpejta p\u00ebr t\u00eb dytin vit radhazi.<\/span><\/p>\n Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, deri p\u00ebr 10 muajt e par\u00eb t\u00eb vitit n\u00eb sistemin komb\u00ebtar t\u00eb pagesave n\u00eb Euro, AIPS Euro, jan\u00eb kryer af\u00ebrsisht 265 mij\u00eb transferta n\u00eb monedh\u00ebn europiane.<\/span><\/p>\n Transfertat n\u00eb Euro jan\u00eb rritur me 33% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. N\u00eb vler\u00eb, transfertat p\u00ebr 10-mujorin arrit\u00ebn n\u00eb pothuajse 3.3 miliard\u00eb euro, me nj\u00eb rritje vjetore prej 27%.<\/span><\/p>\n N\u00eb muajin tetor u sh\u00ebnuan nivelet m\u00eb t\u00eb larta mujore t\u00eb transfertave n\u00eb euro, si n\u00eb num\u00ebr, ashtu edhe n\u00eb vler\u00eb, duke tejkaluar madje nivelet e muajve t\u00eb ver\u00ebs.<\/span><\/p>\n Shifrat e transfertave n\u00eb euro, si n\u00eb num\u00ebr, ashtu edhe n\u00eb vler\u00eb, qysh n\u00eb fund t\u00eb 10-mujorit 2024 kan\u00eb kaluar vlerat e regjistruara n\u00eb vitin e plot\u00eb kalendarik 2023.<\/span><\/p>\n Rritja e numrit dhe vler\u00ebs s\u00eb transfertave komb\u00ebtare bankare n\u00eb euro \u00ebsht\u00eb nj\u00eb tregues i rritjes s\u00eb m\u00ebtejshme t\u00eb p\u00ebrdorimit t\u00eb valut\u00ebs n\u00eb transaksionet e brendshme ekonomike n\u00eb Shqip\u00ebri.<\/span><\/p>\n N\u00eb vitet e fundit, flusket valutore hyr\u00ebse n\u00eb ekonomin\u00eb shqiptare jan\u00eb rritur ndjesh\u00ebm. Kjo rritje duket t\u00eb jet\u00eb e lidhur me eksportin e sh\u00ebrbimeve, kryesisht me turizmin, por edhe me investimet e m\u00ebdha nga jasht\u00eb n\u00eb tregun e pasurive t\u00eb paluajtshme.<\/span><\/p>\n Statistikat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregtuan se deri n\u00eb fund t\u00eb muajit shtator, depozitat bankare n\u00eb Euro ishin n\u00eb rritje me 12% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n Sistemi i pagesave AIPS Euro filloi funksionimin n\u00eb janar t\u00eb vitit 2022, me q\u00ebllimin uljen e kostove t\u00eb transfertave bankare n\u00eb monedh\u00ebn europiane. Para ngritjes s\u00eb k\u00ebtij sistemi, transfertat komb\u00ebtare n\u00eb Euro mund t\u00eb b\u00ebheshin vet\u00ebm n\u00ebp\u00ebrmjet p\u00ebrdorimit t\u00eb llogarive q\u00eb bankat shqiptare kan\u00eb n\u00eb banka korrespondente jasht\u00eb vendit.<\/span><\/p>\n Kjo rrug\u00eb krijonte vonesa n\u00eb koh\u00eb dhe, mbi t\u00eb gjitha, kosto shum\u00eb m\u00eb t\u00eb larta krahasuar me transfertat n\u00eb lek\u00eb. Komisionet e larta b\u00ebnin q\u00eb shum\u00eb shpesh klient\u00ebt e sektorit bankar t\u2019i zhvendosnin fondet nga nj\u00ebra bank\u00eb tek tjetra n\u00ebp\u00ebrmjet t\u00ebrheqjeve dhe derdhjeve cash n\u00eb ark\u00eb.<\/span><\/p>\n Me ngritjen e sistemit AIPS Euro, Banka e Shqip\u00ebris\u00eb p\u00ebrcaktoi edhe vlera tavan q\u00eb bankat tregtare p\u00ebr komisionet q\u00eb ato mund t\u2019iu ngarkojn\u00eb klient\u00ebve t\u00eb tyre.<\/span><\/p>\n P\u00ebr pagesat n\u00eb nisje t\u00eb urdh\u00ebruara nga klient\u00eb t\u00eb pjes\u00ebmarr\u00ebsve dhe q\u00eb transferohen n\u00ebp\u00ebrmjet sistemit AIPS Euro, me vler\u00eb m\u00eb t\u00eb vog\u00ebl ose t\u00eb barabart\u00eb me 10 mij\u00eb euro, totali i komisioneve t\u00eb aplikuara nga pjes\u00ebmarr\u00ebsi origjinues p\u00ebr \u00e7do urdh\u00ebrpages\u00eb nuk duhet t\u00eb jen\u00eb m\u00eb i lart\u00eb se 0.2% e vler\u00ebs s\u00eb transferuar dhe komisioni dysheme nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 6 euro.<\/span><\/p>\n P\u00ebr pagesat q\u00eb jan\u00eb t\u00eb iniciuara n\u00eb form\u00eb elektronike, totali i komisioneve t\u00eb aplikuara nga pjes\u00ebmarr\u00ebsi origjinues p\u00ebr \u00e7do urdh\u00ebrpages\u00eb nuk duhet t\u00eb jet\u00eb m\u00eb i lart\u00eb se 50% e totalit t\u00eb komisioneve t\u00eb aplikuara p\u00ebr \u00e7do pages\u00eb t\u00eb iniciuar n\u00eb form\u00eb jo elektronike. Kjo do t\u00eb thot\u00eb zbatimin e totalit t\u00eb komisioneve dysheme t\u00eb lart\u00eb se 3 euro, totalit t\u00eb komisioneve jo m\u00eb t\u00eb lart\u00eb se 0.1% e vler\u00ebs s\u00eb transferuar p\u00ebr vler\u00eb m\u00eb t\u00eb vog\u00ebl ose t\u00eb barabart\u00eb me 10 mij\u00eb euro.<\/span><\/p>\n N\u00eb total, p\u00ebr pagesat n\u00eb nisje t\u00eb urdh\u00ebruara nga klient\u00eb t\u00eb pjes\u00ebmarr\u00ebsve dhe q\u00eb transferohen n\u00ebp\u00ebrmjet sistemit AIPS Euro, totali i komisioneve maksimum t\u00eb aplikuara nga pjes\u00ebmarr\u00ebsi origjinues p\u00ebr \u00e7do urdh\u00ebrpages\u00eb, nuk duhet t\u00eb jet\u00eb m\u00eb i lart\u00eb se 50 euro, pavar\u00ebsisht nga shuma. P\u00ebr transfertat e kryera p\u00ebrmes k\u00ebtij sistemi nuk aplikohen komisione p\u00ebr fondet n\u00eb mb\u00ebrritje.<\/span><\/p>\n Ve\u00e7 uljes s\u00eb kostove, ky projekt vler\u00ebsohet t\u00eb ket\u00eb sjell\u00eb efekte pozitive edhe nga pik\u00ebpamja e administrimit t\u00eb paras\u00eb fizike n\u00eb Euro nga ana e bankave dhe promovimit t\u00eb pagesave elektronike edhe n\u00eb k\u00ebt\u00eb segment t\u00eb tregut, duke nxitur qytetar\u00ebt shqiptar\u00eb drejt p\u00ebrdorimit t\u00eb k\u00ebtyre instrumenteve. \/E.Shehu<\/span><\/p>\n