{"id":751410,"date":"2025-07-15T22:45:32","date_gmt":"2025-07-15T20:45:32","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=751410"},"modified":"2025-07-15T22:45:32","modified_gmt":"2025-07-15T20:45:32","slug":"frenohet-rritja-e-biznesit-te-kredive-te-vogla","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/07\/15\/frenohet-rritja-e-biznesit-te-kredive-te-vogla\/","title":{"rendered":"Frenohet rritja e biznesit t\u00eb kredive t\u00eb vogla","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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\nRritja e sektorit t\u00eb mikrokredis\u00eb u ngadal\u00ebsua vitin e kaluar. <\/span><\/p>\n

T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se portofoli total i huas\u00eb nga institucionet e licencuara p\u00ebr mikrokredi n\u00eb fund t\u00eb 2024 arriti n\u00eb 24.1 miliard\u00eb lek\u00eb, 3.9% (rreth 0.9 miliard\u00eb lek\u00eb) m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. <\/span><\/p>\n

Rritja e kredis\u00eb \u00ebsht\u00eb ngadal\u00ebsuar ndjesh\u00ebm krahasuar me nivelin prej 29% (rreth 5.2 miliard\u00eb lek\u00eb) t\u00eb vitit 2023. Megjith\u00ebse n\u00eb t\u00ebr\u00ebsi ecuria e kredis\u00eb p\u00ebr ekonomin\u00eb vitin e kaluar ishte pozitive, kjo rritje p\u00ebr sektorin e mikrofinanc\u00ebs \u00ebsht\u00eb frenuar duksh\u00ebm. <\/span><\/p>\n

Me sa duket, skandali i mikrokredivedhe nisja e nj\u00eb cikli t\u00eb shtr\u00ebngimi rregullator nga Banka e Shqip\u00ebris\u00eb kan\u00eb dh\u00ebn\u00eb efekte qysh vitin e kaluar n\u00eb volumin e kredidh\u00ebnies nga institucionet mikrofinanciare. <\/span><\/p>\n

Vitin e kaluar, dy institucionet financiare jobanka, Micro Credit Albania dhe Final, u b\u00ebn\u00eb objekt i nj\u00eb \u00e7\u00ebshtjeje penale t\u00eb \u00e7uara p\u00ebr gjykim nga Prokuroria e Tiran\u00ebs, t\u00eb akuzuara p\u00ebr shkelje t\u00eb shumta ligjore n\u00eb procesin e mbledhjes s\u00eb kredive t\u00eb k\u00ebqija. <\/span><\/p>\n

N\u00eb vijim, Banka e Shqip\u00ebris\u00eb vendosi heqjen e licenc\u00ebs p\u00ebr t\u00eb dy k\u00ebto institucione.\u00a0 Megjith\u00ebse n\u00eb vetvete rasti lidhej me kompani t\u00eb mbledhjes s\u00eb borxheve t\u00eb k\u00ebqija, kjo \u00e7\u00ebshtje solli nj\u00eb d\u00ebm n\u00eb imazh edhe p\u00ebr institucionet mikrofinanciare, kryesisht t\u00eb kredive t\u00eb shpejta. <\/span><\/p>\n

\u00c7\u00ebshtja n\u00eb fjal\u00eb u b\u00eb shkak edhe p\u00ebr nj\u00eb shtr\u00ebngim t\u00eb fort\u00eb n\u00eb kuadrin rregullator t\u00eb lidhur me mikrofinanc\u00ebn. Masat e reja t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb hyn\u00eb n\u00eb fuqi nga fillimi i k\u00ebtij viti, por megjithat\u00eb duket se ngjarjet e m\u00ebsip\u00ebrme kan\u00eb sjell\u00eb nj\u00eb frenim t\u00eb rritjes s\u00eb shpejt\u00eb disavje\u00e7are t\u00eb aktivitetit t\u00eb mikrokredive konsumatore. <\/span><\/p>\n

Ndryshimet rregullator\u00eb kan\u00eb vendosur p\u00ebr her\u00eb t\u00eb par\u00eb disa kritere t\u00eb detajuara, duke p\u00ebrfshir\u00eb edhe tregues sasior\u00eb, n\u00eb praktikat e administrimit t\u00eb rrezikut n\u00eb huadh\u00ebnien konsumatore nga institucionet financiare jobanka. <\/span><\/p>\n

Nj\u00eb institucion financiar jobank\u00eb nuk do t\u00eb lejohet t\u00eb jap\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb m\u00eb shum\u00eb se dy kredi konsumatore p\u00ebr t\u00eb nj\u00ebjtin huamarr\u00ebs. Gjithashtu, \u00ebsht\u00eb p\u00ebrcaktuar edhe nj\u00eb nivel tavan n\u00eb raportin e sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave (DSTI), q\u00eb do t\u00eb llogaritet si vlera e totalit t\u00eb k\u00ebsteve mujore t\u00eb kredive ekzistuese, duke p\u00ebrfshir\u00eb edhe kredin\u00eb p\u00ebr t\u00eb cil\u00ebn po aplikohet, t\u00eb pjes\u00ebtuar me t\u00eb ardhurat neto t\u00eb t\u00eb gjith\u00eb bashk\u00ebkredimarr\u00ebsve. <\/span><\/p>\n

Vlera e raportit t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave nuk duhet t\u00eb tejkaloj\u00eb vler\u00ebn prej 60%. Gjithashtu, banka e Shqip\u00ebris miratoi edhe disa ndryshime n\u00eb formul\u00ebn e llogaritjes s\u00eb norm\u00ebs maksimale efektive t\u00eb interesit (NEI Maksimal) p\u00ebr kredit\u00eb e vogla konsumator\u00eb deri n\u00eb 200 mij\u00eb lek\u00eb. <\/span><\/p>\n

K\u00ebto ndryshime kan\u00eb sjell\u00eb nj\u00eb ulje t\u00eb ndjeshme t\u00eb NEI-t maksimal, q\u00eb n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb k\u00ebtij viti zbriti n\u00eb 62.2%. Sipas informacionit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit t\u00eb kaluar n\u00eb Shqip\u00ebri vepronin shtat\u00eb institucione financiare t\u00eb licencuara p\u00ebr veprimtarin\u00eb e mikrokredis\u00eb. <\/span><\/p>\n

Megjithat\u00eb, vler\u00ebsohet se n\u00eb pjes\u00ebn d\u00ebrrmuese portofoli i mikrokredis\u00eb i takon dy institucioneve m\u00eb t\u00eb m\u00ebdha mikrofinanciare n\u00eb vend, Iutecredit Albania dhe ECFA (ish-Kredo Finance).<\/span><\/p>\n

VINI RE:<\/span><\/strong> Artikulli \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/a><\/span>.<\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Rritja e sektorit t\u00eb mikrokredis\u00eb u ngadal\u00ebsua vitin e kaluar. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se portofoli total i huas\u00eb nga institucionet e licencuara p\u00ebr mikrokredi n\u00eb fund t\u00eb 2024 arriti n\u00eb 24.1 miliard\u00eb lek\u00eb, 3.9% (rreth 0.9 miliard\u00eb lek\u00eb) m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Rritja e kredis\u00eb \u00ebsht\u00eb ngadal\u00ebsuar […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":738329,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-751410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fast-foodi"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/751410","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=751410"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/751410\/revisions"}],"predecessor-version":[{"id":751412,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/751410\/revisions\/751412"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/738329"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=751410"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=751410"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=751410"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}