{"id":762411,"date":"2025-09-25T08:45:32","date_gmt":"2025-09-25T06:45:32","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=762411"},"modified":"2025-09-25T08:45:32","modified_gmt":"2025-09-25T06:45:32","slug":"bankat-moren-pothuajse-74-mije-aplikime-per-kredi-ne-6-muaj-refuzuan-30-te-tyre","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/09\/25\/bankat-moren-pothuajse-74-mije-aplikime-per-kredi-ne-6-muaj-refuzuan-30-te-tyre\/","title":{"rendered":"Bankat mor\u00ebn pothuajse 74 mij\u00eb aplikime p\u00ebr kredi n\u00eb 6 muaj, refuzuan 30% t\u00eb tyre","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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K\u00ebrkesa e sektorit privat p\u00ebr kredi u rrit p\u00ebrs\u00ebri n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri total i aplikimeve p\u00ebr kredi t\u00eb shqyrtuara nga bankat u rrit me 1.7% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Numri i aplikimeve, megjithat\u00eb, ka qen\u00eb n\u00eb rritje vet\u00ebm n\u00eb rastin e segmentit t\u00eb individ\u00ebve (me 2.7%), por n\u00eb r\u00ebnie n\u00eb dy segmentet e tjera (nd\u00ebrmarrjet e vogla dhe t\u00eb mesme, me 14.3% dhe nd\u00ebrmarrjet e m\u00ebdha, me 0.8%).<\/span><\/p>\n

Gjat\u00eb gjasht\u00ebmujorit t\u00eb par\u00eb 2025, bankat raportuan se kan\u00eb marr\u00eb n\u00eb shqyrtim gjithsej 73,646 aplikime p\u00ebr kredi, nga t\u00eb cilat 92% i p\u00ebrkasin segmentit t\u00eb individ\u00ebve. Pesha e k\u00ebrkes\u00ebs nga individ\u00ebt \u00ebsht\u00eb rritur m\u00eb tej nga niveli prej 91% i nj\u00eb viti m\u00eb par\u00eb.<\/span><\/p>\n

Megjith\u00ebse k\u00ebrkesa p\u00ebr kredi ka sh\u00ebnuar rritje t\u00eb ndjeshme, duket se n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti bankat jan\u00eb treguar m\u00eb p\u00ebrzgjedh\u00ebse.<\/span><\/p>\n

N\u00eb totalin e aplikimeve t\u00eb marra n\u00eb shqyrtim gjat\u00eb periudh\u00ebs, rezulton se rreth 30% e tyre jan\u00eb refuzuar nga bankat. Kjo norm\u00eb ka sh\u00ebnuar rritje me 5.1 pik\u00eb p\u00ebrqindjeje krahasuar me gjasht\u00ebmujorin e par\u00eb t\u00eb vitit t\u00eb kaluar. Rritja e refuzimeve ka qen\u00eb m\u00eb e theksuar n\u00eb rastin e sektorit t\u00eb nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme.<\/span><\/p>\n

Norma totale e refuzimit ka rezultuar n\u00eb rritje, si p\u00ebr bankat me kapital vendas dhe p\u00ebr ato me kapital t\u00eb huaj.<\/span><\/p>\n

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 individ\u00ebve, duke vijuar prirjen 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 40% t\u00eb k\u00ebrkesave t\u00eb individ\u00ebve, krahasuar me bankat vendase, ku kjo norm\u00eb ka rezultuar 18%.<\/span><\/p>\n

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. K\u00ebshtu, bankat e huaja kan\u00eb pasur q\u00ebndrim shtr\u00ebngues ndaj nd\u00ebrmarrjeve te vogla dhe t\u00eb mesme, duke refuzuar rreth 20% t\u00eb k\u00ebrkesave p\u00ebr kredi, nd\u00ebrkoh\u00eb q\u00eb mbeten t\u00eb fokusuara n\u00eb kreditimin e nd\u00ebrmarrjeve t\u00eb m\u00ebdha, duke refuzuar vet\u00ebm 2% t\u00eb k\u00ebrkesave t\u00eb tyre p\u00ebr kredi.<\/span><\/p>\n

Bankat vendase kan\u00eb shfaqur nj\u00eb q\u00ebndrimin m\u00eb t\u00eb balancuar, duke refuzuar vet\u00ebm 5% t\u00eb k\u00ebrkesave nga kategoria e nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme dhe 5% nga kategoria e nd\u00ebrmarrjeve t\u00eb m\u00ebdha.<\/span><\/p>\n

Pavar\u00ebsisht rritjes s\u00eb shkall\u00ebs s\u00eb refuzimeve, shifrat tregojn\u00eb se kreditimi i ekonomis\u00eb ka vazhduar t\u00eb rritet edhe gjat\u00eb k\u00ebtij viti.<\/span><\/p>\n

P\u00ebr periudh\u00ebn janar-korrik, jan\u00eb dh\u00ebn\u00eb gjithsej 231.9 miliard\u00eb lek\u00eb kredi t\u00eb reja, me nj\u00eb rritje prej 10% m\u00eb shum\u00eb krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb q\u00eb vitin e kaluar rritja e kredis\u00eb ishte mb\u00ebshtetur kryesisht te financimet e bizneseve, k\u00ebt\u00eb vit kontributin kryesor po e jep rritja e huave p\u00ebr individ\u00eb.<\/span><\/p>\n

Kredia e re p\u00ebr individ\u00ebt arriti vler\u00ebn e 77 miliard\u00eb lek\u00ebve, n\u00eb rritje me 26% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Kreditimi i individ\u00ebve \u00ebsht\u00eb mb\u00ebshtetur te nj\u00eb rritje shum\u00eb e shpejt\u00eb n\u00eb dy segmentet kryesore, t\u00eb blerjeve t\u00eb pasurive t\u00eb paluajtshme dhe financimit t\u00eb konsumit.<\/span><\/p>\n

Nd\u00ebrsa kredia p\u00ebr bizneset kishte vler\u00ebn e 151.3 miliard\u00eb lek\u00eb kredi, me nj\u00eb rritje prej 1.1% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb vitit t\u00eb kaluar. \/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

K\u00ebrkesa e sektorit privat p\u00ebr kredi u rrit p\u00ebrs\u00ebri n\u00eb gjysm\u00ebn e par\u00eb t\u00eb k\u00ebtij viti. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, numri total i aplikimeve p\u00ebr kredi t\u00eb shqyrtuara nga bankat u rrit me 1.7% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Numri i aplikimeve, megjithat\u00eb, ka qen\u00eb n\u00eb rritje vet\u00ebm n\u00eb rastin […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":762412,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-762411","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\/762411","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=762411"}],"version-history":[{"count":1,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/762411\/revisions"}],"predecessor-version":[{"id":762413,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/762411\/revisions\/762413"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/762412"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=762411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=762411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=762411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}