{"id":780045,"date":"2026-01-07T08:27:58","date_gmt":"2026-01-07T07:27:58","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=780045"},"modified":"2026-01-07T08:27:58","modified_gmt":"2026-01-07T07:27:58","slug":"banka-e-shqiperise-shtyn-edhe-nje-vit-programin-per-mbeshtetjen-e-sme-ve","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2026\/01\/07\/banka-e-shqiperise-shtyn-edhe-nje-vit-programin-per-mbeshtetjen-e-sme-ve\/","title":{"rendered":"Banka e Shqip\u00ebris\u00eb shtyn edhe nj\u00eb vit programin p\u00ebr mb\u00ebshtetjen e SME-ve","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Banka e Shqip\u00ebris\u00eb ka vendosur t\u00eb shtyj\u00eb edhe me nj\u00eb vit programin e mb\u00ebshtetjes me kredi t\u00eb biznesit mikro, t\u00eb vog\u00ebl dhe t\u00eb mes\u00ebm. N\u00eb mbledhjen e fundit t\u00eb vitit t\u00eb kaluar, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs Qendrore vendosi disa ndryshime n\u00eb rregulloren p\u00ebrkat\u00ebse, q\u00eb ishte miratuar n\u00eb janar 2025.<\/span><\/p>\n

Sipas ndryshimeve n\u00eb rregullore, afati maksimal kohor p\u00ebr disbursimin e kredive q\u00eb do t\u00eb jen\u00eb pjes\u00eb e k\u00ebtij programi dhe p\u00ebr aksesin fillestar t\u00eb tyre n\u00eb instrumentin e rifinancimit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb do t\u00eb jet\u00eb data 31 dhjetor 2026, nd\u00ebrsa afati i m\u00ebparsh\u00ebm kishte qen\u00eb data 31 dhjetor 2025. P\u00ebr t\u00eb ruajtur afatin maksimal 5-vje\u00e7ar t\u00eb huave t\u00eb dh\u00ebna n\u00eb kuadrin e k\u00ebtij programi, koh\u00ebzgjatja e zbatimit t\u00eb nism\u00ebs \u00ebsht\u00eb shtyr\u00eb deri n\u00eb 31 dhjetor 2031.<\/span><\/p>\n

Kjo iniciativ\u00eb e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb ishte i pari program me an\u00eb t\u00eb t\u00eb cilit u ofrua mb\u00ebshtetje direkte p\u00ebr nj\u00eb segment t\u00eb ve\u00e7ant\u00eb t\u00eb biznesit n\u00eb treg, n\u00ebp\u00ebrmjet financimit me kushte t\u00eb leht\u00ebsuara.<\/span><\/p>\n

Likuiditeti i v\u00ebn\u00eb n\u00eb dispozicion nga Banka e Shqip\u00ebris\u00eb p\u00ebr bankat, n\u00eb kuad\u00ebr t\u00eb programit, ka nj\u00eb norm\u00eb interesi vjetor prej 0.5%. Rregullorja parashikon edhe mund\u00ebsin\u00eb q\u00eb kostoja e rifinancimit t\u00eb barazohet me at\u00eb t\u00eb norm\u00ebs baz\u00eb t\u00eb interesit t\u00eb vendosur nga K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb rast se kjo norm\u00eb bie posht\u00eb nivelit 0.5%.<\/span><\/p>\n

Sektori bankar mund t\u00eb jap\u00eb kredi p\u00ebr SME-t\u00eb n\u00eb kuad\u00ebr t\u00eb k\u00ebtij programi me nj\u00eb norm\u00eb interesi vjetore jo m\u00eb t\u00eb madhe se 3.5% n\u00eb vit. Banka e Shqip\u00ebris\u00eb vler\u00ebson se vendosja e nj\u00eb tavani maksimal p\u00ebr kredit\u00eb e disbursuara si pjes\u00eb e k\u00ebtij programi ju ofron SME-ve m\u00eb shum\u00eb siguri e garanci n\u00eb planet e tyre t\u00eb investimit dhe zhvillimit. Diferenca prej 3 pik\u00ebsh p\u00ebrqindjeje midis kostos s\u00eb likuiditetit t\u00eb v\u00ebn\u00eb n\u00eb dispozicion nga Banka e Shqip\u00ebris\u00eb dhe \u00e7mimit t\u00eb nj\u00eb kredie individuale \u00ebsht\u00eb e p\u00ebraf\u00ebrt, ndon\u00ebse m\u00eb e ul\u00ebt, me diferenc\u00ebn midis \u00e7mimit mesatar t\u00eb nj\u00eb kredie p\u00ebr SME-t\u00eb gjat\u00eb tre viteve t\u00eb fundit dhe kostos s\u00eb depozitave me afat p\u00ebr k\u00ebt\u00eb periudh\u00eb.<\/span><\/p>\n

N\u00eb rast se k\u00ebto kredi do t\u00eb garantohen me garanci shtet\u00ebrore, norma tavan e interesit do t\u00eb jet\u00eb edhe m\u00eb e ul\u00ebt. N\u00eb rastin kur garancia mbulon 15% \u2013 35% t\u00eb rrezikut t\u00eb kredis\u00eb, interesi nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 3%. N\u00eb rast se garancia sovrane mbulon 35% \u2013 55% t\u00eb rrezikut t\u00eb kredis\u00eb, interesi maksimal do t\u00eb jet\u00eb 2.5%. N\u00eb rast se garancia sovrane mbulon 55% \u2013 75% t\u00eb rrezikut t\u00eb kreditit, norma tavan e interesit do t\u00eb jet\u00eb 2%.<\/span><\/p>\n

Deri tani, Banka e Shqip\u00ebris\u00eb nuk ka publikuar informacion lidhur me shkall\u00ebn e p\u00ebrdorimit t\u00eb k\u00ebtij programi gjat\u00eb vitit t\u00eb par\u00eb t\u00eb zbatimit t\u00eb tij.<\/span><\/p>\n

Megjithat\u00eb, statistikat tregojn\u00eb se n\u00eb fund t\u00eb n\u00ebntorit 2025, portofoli i kredis\u00eb p\u00ebr bizneset mikro, t\u00eb vogla dhe t\u00eb mesme arriti n\u00eb 236.5 miliard\u00eb lek\u00eb, n\u00eb rritje me 9.3% krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb. Kjo norm\u00eb rritje ishte leht\u00ebsisht m\u00eb e lart\u00eb se rritja mesatare e kredis\u00eb p\u00ebr bizneset n\u00eb total p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb.<\/span><\/p>\n

Gjithashtu, norma e rritjes s\u00eb kredis\u00eb p\u00ebr SME-t\u00eb ishte af\u00ebrsisht dy her\u00eb m\u00eb e lart\u00eb krahasuar me rritjen prej 4.6% q\u00eb ishte regjistruar n\u00eb vitin e m\u00ebparsh\u00ebm (n\u00ebntor 2023-n\u00ebntor 2024).\/Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Banka e Shqip\u00ebris\u00eb ka vendosur t\u00eb shtyj\u00eb edhe me nj\u00eb vit programin e mb\u00ebshtetjes me kredi t\u00eb biznesit mikro, t\u00eb vog\u00ebl dhe t\u00eb mes\u00ebm. N\u00eb mbledhjen e fundit t\u00eb vitit t\u00eb kaluar, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs Qendrore vendosi disa ndryshime n\u00eb rregulloren p\u00ebrkat\u00ebse, q\u00eb ishte miratuar n\u00eb janar 2025. Sipas ndryshimeve n\u00eb rregullore, afati maksimal […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":780048,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[],"class_list":["post-780045","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\/780045","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=780045"}],"version-history":[{"count":1,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/780045\/revisions"}],"predecessor-version":[{"id":780049,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/780045\/revisions\/780049"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/780048"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=780045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=780045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=780045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}