{"id":747657,"date":"2025-06-20T12:07:49","date_gmt":"2025-06-20T10:07:49","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=747657"},"modified":"2025-06-20T12:07:49","modified_gmt":"2025-06-20T10:07:49","slug":"kredia-per-hapje-biznesi-eshte-ne-renie-te-vazhdueshme","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/06\/20\/kredia-per-hapje-biznesi-eshte-ne-renie-te-vazhdueshme\/","title":{"rendered":"Kredia p\u00ebr hapje biznesi \u00ebsht\u00eb n\u00eb r\u00ebnie t\u00eb vazhdueshme","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kredia p\u00ebr hapjen e bizneseve t\u00eb reja \u00ebsht\u00eb n\u00eb r\u00ebnie t\u00eb m\u00ebtejshme gjat\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit prill, ky portofol kishte vler\u00ebn e 6.08 miliard\u00eb lek\u00ebve.<\/span><\/p>\n

Q\u00eb nga fillimi i vitit, kredia p\u00ebr hapje biznesi \u00ebsht\u00eb tkurrur me 6.7%, nd\u00ebrsa krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb r\u00ebnia ka arritur n\u00eb 19%.<\/span><\/p>\n

Kredia p\u00ebr \u00e7elje biznesi ndodhet aktualisht n\u00eb nivelet m\u00eb t\u00eb ul\u00ebta n\u00eb t\u00eb pakt\u00ebn pes\u00eb vitet e fundit.<\/span><\/p>\n

Tendenca e k\u00ebtij produkti \u00ebsht\u00eb duksh\u00ebm e kund\u00ebrt krahasuar me ecurin\u00eb e kredis\u00eb p\u00ebr ekonomin\u00eb dhe e kredis\u00eb p\u00ebr biznesin n\u00eb ve\u00e7anti. N\u00eb fund t\u00eb prillit, portofoli i kredis\u00eb p\u00ebr biznesin rezultoi n\u00eb rritje me 12.4% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb q\u00eb kredia p\u00ebr biznesin n\u00eb t\u00ebr\u00ebsi vazhdon t\u00eb jet\u00eb pran\u00eb niveleve m\u00eb t\u00eb larta t\u00eb rritjes n\u00eb 16 vitet e fundit, kredia p\u00ebr \u00e7elje biznesi prej vitesh po ndjek nj\u00eb tendenc\u00eb n\u00eb r\u00ebnie.<\/span><\/p>\n

Megjith\u00ebse n\u00eb p\u00ebrgjith\u00ebsi pesha e kredis\u00eb p\u00ebr \u00e7elje biznesi n\u00eb portofolin e kredis\u00eb bankare ka qen\u00eb e ul\u00ebt, n\u00eb periudh\u00ebn pas pandemis\u00eb ajo ka nj\u00eb tendenc\u00eb n\u00eb r\u00ebnie t\u00eb m\u00ebtejshme.<\/span><\/p>\n

Kredia p\u00ebr \u00e7elje biznesi z\u00eb nj\u00eb pesh\u00eb modeste prej rreth 1.2% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr sip\u00ebrmarrjet private n\u00eb Shqip\u00ebri. Pes\u00eb vjet m\u00eb par\u00eb, ky produkt p\u00ebrb\u00ebnte rreth 2.6% t\u00eb portofolit t\u00eb kredis\u00eb p\u00ebr ekonomin\u00eb.<\/span><\/p>\n

Zakonisht, hapjet e bizneseve t\u00eb reja mb\u00ebshteten rrall\u00eb nga bankat tregtare, p\u00ebr vet\u00eb munges\u00ebn e nj\u00eb historiku q\u00eb do t\u2019u mund\u00ebsonte atyre nj\u00eb vler\u00ebsim t\u00eb performanc\u00ebs s\u00eb biznesit dhe t\u00eb rrezikut t\u00eb kredis\u00eb. Financimet mund t\u00eb lidhen kryesisht me projekte dhe sip\u00ebrmarrje t\u00eb reja t\u00eb bizneseve ekzistuese, q\u00eb mund t\u00eb jen\u00eb klient\u00eb t\u00eb hersh\u00ebm t\u00eb bankave dhe q\u00eb ofrojn\u00eb garanci t\u00eb lidhura me aktivitetet e tjera t\u00eb tyre.<\/span><\/p>\n

Jan\u00eb kryesisht institucionet financiare jo banka q\u00eb zakonisht shfaqen m\u00eb t\u00eb predispozuara t\u00eb mb\u00ebshtesin nismat e reja, kryesisht n\u00eb nivel t\u00eb mikrobizneseve. Linja t\u00eb tilla financimi mb\u00ebshteten shpesh nga fondacione zhvillimi dhe kan\u00eb n\u00eb fokus sektor\u00eb t\u00eb ve\u00e7ant\u00eb t\u00eb ekonomis\u00eb, si p\u00ebr shembull bujq\u00ebsia apo turizmi.<\/span><\/p>\n

Por, financimi nga institucionet e mikrokredis\u00eb zakonisht \u00ebsht\u00eb m\u00eb shtrenjt\u00eb n\u00eb raport me interesat q\u00eb ofron sektori bankar, edhe p\u00ebr vet\u00eb rrezikun m\u00eb t\u00eb lart\u00eb q\u00eb merret p\u00ebrsip\u00ebr n\u00eb rastet e bizneseve t\u00eb reja.<\/span><\/p>\n

Megjithat\u00eb, n\u00eb vitet e fundit, shum\u00eb institucione zhvillimi, por edhe vet\u00eb banka, po nd\u00ebrtojn\u00eb programe t\u00eb mb\u00ebshtetjes s\u00eb bizneseve start up, me fokus sidomos te teknologjia. Por, deri tani duket se rezultatet e k\u00ebtyre programeve p\u00ebr mb\u00ebshtetjen e bizneseve t\u00eb reja jan\u00eb t\u00eb pakta.\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kredia p\u00ebr hapjen e bizneseve t\u00eb reja \u00ebsht\u00eb n\u00eb r\u00ebnie t\u00eb m\u00ebtejshme gjat\u00eb k\u00ebtij viti. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb muajit prill, ky portofol kishte vler\u00ebn e 6.08 miliard\u00eb lek\u00ebve. Q\u00eb nga fillimi i vitit, kredia p\u00ebr hapje biznesi \u00ebsht\u00eb tkurrur me 6.7%, nd\u00ebrsa krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":747659,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-747657","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\/747657","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=747657"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/747657\/revisions"}],"predecessor-version":[{"id":747660,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/747657\/revisions\/747660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/747659"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=747657"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=747657"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=747657"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}