{"id":713889,"date":"2024-12-09T12:11:48","date_gmt":"2024-12-09T11:11:48","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=713889"},"modified":"2024-12-09T12:11:48","modified_gmt":"2024-12-09T11:11:48","slug":"kredia-ne-euro-po-i-rikthehet-rritjes","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2024\/12\/09\/kredia-ne-euro-po-i-rikthehet-rritjes\/","title":{"rendered":"Kredia n\u00eb euro po i rikthehet rritjes","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kredia n\u00eb euro i \u00ebsht\u00eb kthyer rritjes n\u00eb 2024. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit tetor kredia n\u00eb monedh\u00ebn europiane arriti vler\u00ebn e barasvlershme t\u00eb 325.8 miliard\u00eb lek\u00ebve.<\/span><\/p>\n

Kredia n\u00eb euro \u00ebsht\u00eb rritur me 7.3% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Megjithat\u00eb, rritja e paraqitur n\u00eb lek\u00eb \u00ebsht\u00eb tkurrur ndjesh\u00ebm nga efekti i kursit t\u00eb k\u00ebmbimit. K\u00ebt\u00eb vit leku ka vijuar t\u00eb forcohet ndaj euros. E zhveshur nga efekti i kursit t\u00eb k\u00ebmbimit, rritja vjetore e portofolit t\u00eb kredis\u00eb n\u00eb euro do t\u00eb ishte af\u00ebrsisht 13%.<\/span><\/p>\n

Rritja e kredis\u00eb n\u00eb euro k\u00ebt\u00eb vit mund t\u00eb shpjegohet me disa faktor\u00eb. S\u00eb pari, kreditimi i ekonomis\u00eb n\u00eb t\u00eb gjitha monedhat e ka shpejtuar ndjesh\u00ebm rritjen n\u00eb 2024. Statistikat tregojn\u00eb se rritja vjetore e portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb ka arritur nivelin m\u00eb t\u00eb larta n\u00eb lart n\u00eb m\u00eb shum\u00eb se 15 vjet. Rritja me ritme relativisht t\u00eb larta t\u00eb ekonomis\u00eb dhe gjendja e mir\u00eb e bilanceve t\u00eb sektorit bankar kan\u00eb mb\u00ebshtetur p\u00ebrshpejtimin e kreditimit t\u00eb sektorit privat.<\/span><\/p>\n

Nj\u00eb faktor q\u00eb e ka ndikuar n\u00eb m\u00ebnyr\u00eb m\u00eb specifike kreditimin n\u00eb euro \u00ebsht\u00eb rim\u00ebk\u00ebmbja e kreditimit t\u00eb biznesit. Kredia p\u00ebr biznesin k\u00ebt\u00eb vit po rritet me ritme t\u00eb shpejta, ve\u00e7an\u00ebrisht n\u00eb segmentin q\u00eb lidhet me financimin e blerjes s\u00eb pasurive t\u00eb paluajtshme. Duke qen\u00eb se k\u00ebrkesa p\u00ebr kredin\u00eb n\u00eb euro n\u00eb pjes\u00ebn m\u00eb t\u00eb madhe vjen nga bizneset, rritja e kreditimit n\u00eb k\u00ebt\u00eb segment t\u00eb tregut ka ndikuar edhe n\u00eb rritjen e kredis\u00eb n\u00eb euro.<\/span><\/p>\n

Gjendja e likuiditetit n\u00eb euro e sektorit bankar \u00ebsht\u00eb mjaft e mir\u00eb, e mb\u00ebshtetur nga rritja me ritme dyshifrore e depozitave n\u00eb monedh\u00ebn europiane gjat\u00eb viteve t\u00eb fundit. Ky faktor e ndikon pozitivisht edhe ofert\u00ebn p\u00ebr kredi n\u00eb euro.<\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, kredia n\u00eb euro p\u00ebr bizneset \u00ebsht\u00eb rritur me 13% me baz\u00eb vjetore. N\u00ebse shtojm\u00eb edhe efektin e kursit t\u00eb k\u00ebmbimit, rritja e kredis\u00eb p\u00ebr biznesin n\u00eb monedh\u00ebn europiane do t\u00eb shkonte n\u00eb rreth 19%.<\/span><\/p>\n

Nj\u00eb faktor tjet\u00ebr q\u00eb ka ndikuar pozitivisht k\u00ebrkes\u00ebn p\u00ebr kredi n\u00eb euro \u00ebsht\u00eb edhe r\u00ebnia e normave t\u00eb interesit. Duke filluar nga mesi i vitit 2022, normat e interesit t\u00eb euros kishin filluar nj\u00eb rritje t\u00eb shpejt\u00eb, duke ndjekur linj\u00ebn e politik\u00ebs monetare t\u00eb Bank\u00ebs Qendrore Europiane (ECB). Kjo solli nj\u00eb frenim t\u00eb fort\u00eb t\u00eb kreditimit n\u00eb euro n\u00eb 2023.<\/span><\/p>\n

N\u00eb fund t\u00eb vitit 2023, portofoli i kredis\u00eb n\u00eb euro ishte n\u00eb r\u00ebnie n\u00eb 6.7%, megjith\u00ebse n\u00eb nj\u00eb mas\u00eb t\u00eb madhe r\u00ebnia u p\u00ebrcaktua edhe nga efekti i kursit t\u00eb k\u00ebmbimit.<\/span><\/p>\n

Por, rritja e normave t\u00eb interesit arriti pikun n\u00eb shtator 2023, nd\u00ebrsa q\u00eb nga mesi i k\u00ebtij viti ECB-ja ka nisur uljen e tyre. Kjo po reflektohet edhe n\u00eb normat e interesit n\u00eb tregje. Treguesi kryesor benchmark, Euribori, ka prekur nivelet m\u00eb t\u00eb ul\u00ebta n\u00eb dy vitet e fundit. N\u00eb k\u00ebto kushte, kredia n\u00eb monedh\u00ebn europiane po b\u00ebhet p\u00ebrs\u00ebri e leverdishme.\/E.Shehu<\/span><\/p>\n

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

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

Kredia n\u00eb euro i \u00ebsht\u00eb kthyer rritjes n\u00eb 2024. Sipas statistikave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit tetor kredia n\u00eb monedh\u00ebn europiane arriti vler\u00ebn e barasvlershme t\u00eb 325.8 miliard\u00eb lek\u00ebve. Kredia n\u00eb euro \u00ebsht\u00eb rritur me 7.3% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Megjithat\u00eb, rritja e paraqitur n\u00eb lek\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":713891,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-713889","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\/713889","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=713889"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/713889\/revisions"}],"predecessor-version":[{"id":713892,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/713889\/revisions\/713892"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/713891"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=713889"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=713889"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=713889"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}