{"id":738171,"date":"2025-04-28T12:51:15","date_gmt":"2025-04-28T10:51:15","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=738171"},"modified":"2025-04-28T12:51:15","modified_gmt":"2025-04-28T10:51:15","slug":"bankat-moren-pothuajse-76-mije-aplikime-per-kredi-ne-6-mujorin-e-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/04\/28\/bankat-moren-pothuajse-76-mije-aplikime-per-kredi-ne-6-mujorin-e-kaluar\/","title":{"rendered":"Bankat mor\u00ebn pothuajse 76 mij\u00eb aplikime p\u00ebr kredi n\u00eb 6-mujorin e kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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K\u00ebrkesa p\u00ebr kredi n\u00eb sektorin bankar u rrit me ritme dyshifrore n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar. Sipas informacionit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, bankat raportojn\u00eb se kan\u00eb marr\u00eb n\u00eb shqyrtim gjithsej 75 530 aplikime p\u00ebr kredi gjat\u00eb k\u00ebsaj periudhe.<\/span><\/p>\n

Numri total i aplikimeve p\u00ebr kredi t\u00eb shqyrtuara nga bankat, ka sh\u00ebnuar rritje me 4.3% krahasuar me gjasht\u00ebmujorin e kaluar dhe me 12.1% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

N\u00eb terma vjetor\u00eb, numri i aplikimeve t\u00eb shqyrtuara ka qen\u00eb n\u00eb rritje p\u00ebr t\u00eb tre segmentet e klientel\u00ebs, por m\u00eb e theksuar n\u00eb rastin e individ\u00ebve (\u201cnd\u00ebrmarrjet e vogla dhe t\u00eb mesme\u201d me 22.1%, nd\u00ebrmarrjet e tjera me 8.2% dhe \u201cindivid\u00ebt\u201d me 15.9%).<\/span><\/p>\n

Sipas segmentit t\u00eb klient\u00ebve, rreth 9% e aplikimeve i p\u00ebrkisnin bizneseve (5.1% ose 3 871 aplikime nga \u201cnd\u00ebrmarrjet e vogla dhe t\u00eb mesme\u201d dhe 3.7% ose 2 778 aplikime nga \u201cnd\u00ebrmarrje t\u00eb m\u00ebdha\u201d) dhe 91% (ose 68 881 aplikime) i p\u00ebrkisnin \u201csektorit t\u00eb individ\u00ebve\u201d.<\/span><\/p>\n

Krahasuar me periudh\u00ebn e kaluar, kjo shp\u00ebrndarje ka sh\u00ebnuar nj\u00eb zhvendosje t\u00eb leht\u00eb n\u00eb favor t\u00eb sektorit t\u00eb individ\u00ebve. N\u00eb terma gjasht\u00ebmujor\u00eb, rritja ka ardhur vet\u00ebm nga grupi i \u201cnd\u00ebrmarrjeve t\u00eb tjera\u201d, ku p\u00ebrgjith\u00ebsisht p\u00ebrfshihen nd\u00ebrmarrjet e m\u00ebdha (rritje me 7%), nd\u00ebrkoh\u00eb q\u00eb numri i aplikimeve t\u00eb shqyrtuara n\u00eb segmentet e \u201cnd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme\u201d dhe \u201cindivid\u00ebve\u201d ka rezultuar n\u00eb r\u00ebnie (respektivisht me 6.1% dhe 1.1%).<\/span><\/p>\n

N\u00eb totalin e aplikimeve t\u00eb marra n\u00eb shqyrtim gjat\u00eb periudh\u00ebs, rezulton se rreth 27% e tyre jan\u00eb refuzuar nga bankat dhe kjo norm\u00eb mbetet m\u00eb e lart\u00eb dhe n\u00eb rritje n\u00eb rastin e individ\u00ebve .<\/span><\/p>\n

Norma e refuzimit \u00ebsht\u00eb rritur me 2.3 pik\u00eb p\u00ebrqindje krahasuar me gjasht\u00eb muaj m\u00eb par\u00eb dhe me 6.7 pik\u00eb p\u00ebrqindje ndaj nj\u00eb viti m\u00eb par\u00eb; n\u00eb t\u00eb dy periudhat krahasuese, rritja ka qen\u00eb m\u00eb e theksuar n\u00eb individ\u00ebve.<\/span><\/p>\n

Norma totale e refuzimit ka rezultuar n\u00eb rritje p\u00ebr bankat me kapital vendas dhe p\u00ebr ato me kapital t\u00eb huaj. Vihet re se gjat\u00eb periudh\u00ebs, dy grupet bankare kan\u00eb shfaqur q\u00ebndrime t\u00eb ngjashme ndaj k\u00ebrkesave p\u00ebr kredi t\u00eb \u201cindivid\u00ebve\u201d, duke shfaqur prirje shtr\u00ebnguese krahasuar me periudh\u00ebn paraardh\u00ebse dhe krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Ky q\u00ebndrim \u00ebsht\u00eb ndjesh\u00ebm m\u00eb i duksh\u00ebm tek bankat e huaja, t\u00eb cilat kan\u00eb refuzuar rreth 37% t\u00eb k\u00ebrkesave t\u00eb individ\u00ebve, krahasuar me bankat vendase, ku kjo norm\u00eb ka rezultuar 9%. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, t\u00eb dy grupet e bankave mbeten m\u00eb pranuese ndaj segmentit t\u00eb nd\u00ebrmarrjeve, por prirjet kan\u00eb qen\u00eb t\u00eb ndryshme gjat\u00eb periudh\u00ebs.<\/span><\/p>\n

K\u00ebshtu, bankat vendase kan\u00eb pasur q\u00ebndrim m\u00eb shtr\u00ebngues si ndaj \u201cnd\u00ebrmarrjeve te vogla dhe t\u00eb mesme\u201d dhe ndaj atyre \u201ct\u00eb m\u00ebdha\u201d, duke rritur norm\u00ebn e refuzimit respektivisht n\u00eb 6% dhe 4% t\u00eb k\u00ebrkesave, nd\u00ebrsa bankat e huaja duket se vijojn\u00eb t\u00eb fokusohen te kreditimi i nd\u00ebrmarrjeve t\u00eb m\u00ebdha (kategoria \u201cnd\u00ebrmarrje t\u00eb tjera\u201d), duke refuzuar vet\u00ebm 2% t\u00eb k\u00ebrkesave t\u00eb tyre p\u00ebr kredi.\/ Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

K\u00ebrkesa p\u00ebr kredi n\u00eb sektorin bankar u rrit me ritme dyshifrore n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit t\u00eb kaluar. Sipas informacionit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, bankat raportojn\u00eb se kan\u00eb marr\u00eb n\u00eb shqyrtim gjithsej 75 530 aplikime p\u00ebr kredi gjat\u00eb k\u00ebsaj periudhe. Numri total i aplikimeve p\u00ebr kredi t\u00eb shqyrtuara nga bankat, ka sh\u00ebnuar rritje me […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":738172,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-738171","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\/738171","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=738171"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/738171\/revisions"}],"predecessor-version":[{"id":738173,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/738171\/revisions\/738173"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/738172"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=738171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=738171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=738171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}