{"id":790465,"date":"2026-03-11T08:27:14","date_gmt":"2026-03-11T07:27:14","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=790465"},"modified":"2026-03-11T08:27:14","modified_gmt":"2026-03-11T07:27:14","slug":"bien-ndertimi-dhe-energjia-rritet-pesha-e-tregtise","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2026\/03\/11\/bien-ndertimi-dhe-energjia-rritet-pesha-e-tregtise\/","title":{"rendered":"Bien nd\u00ebrtimi dhe energjia, rritet pesha e tregtis\u00eb","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Kreditimi i biznesit u rrit p\u00ebrs\u00ebri gjat\u00eb vitit 2025, por me ritme m\u00eb t\u00eb ngadalta krahasuar me ritmet rekord t\u00eb vitit 2024.<\/span><\/p>\n

Sipas statistikave nga Banka e Shqip\u00ebris\u00eb, kredia e re p\u00ebr biznesin arriti n\u00eb 296 miliard\u00eb lek\u00eb, n\u00eb rritje me 10% krahasuar me nj\u00eb vit m\u00eb par\u00eb. P\u00ebr vitin 2024, kredia e re ishte rritur me 24%.<\/span><\/p>\n

Tregtia ngelet dominuese n\u00eb struktur\u00ebn e kredis\u00eb p\u00ebr ekonomin\u00eb dhe pesha e saj u rrit m\u00eb tej gjat\u00eb vitit t\u00eb kaluar. Kredia p\u00ebr tregtin\u00eb p\u00ebrb\u00ebnte pothuajse 37% t\u00eb vler\u00ebs s\u00eb kredis\u00eb s\u00eb re, t\u00eb disbursuar gjat\u00eb vitit.<\/span><\/p>\n

Pesha e kredis\u00eb p\u00ebr tregtin\u00eb u rrit m\u00eb tej nga niveli prej 35.6% e nj\u00eb viti m\u00eb par\u00eb. N\u00eb vler\u00eb, kredia e re p\u00ebr tregtin\u00eb n\u00eb 2025 arriti n\u00eb 109.2 miliard\u00eb lek\u00eb, n\u00eb rritje me 14.2% krahasuar me vitin 2024.<\/span><\/p>\n

Megjith\u00ebse k\u00ebrkesa e brendshme ka shfaqur sinjale dob\u00ebsie, shtimi i numrit t\u00eb turist\u00ebve t\u00eb huaj duket se e ka kompensuar pjes\u00ebrisht k\u00ebt\u00eb efekt dhe ka b\u00ebr\u00eb q\u00eb sh\u00ebrbimet e lidhura me turizmin, sidomos tregtia, t\u00eb ken\u00eb nj\u00eb rol n\u00eb rritje n\u00eb ekonomin\u00eb shqiptare pas pandemis\u00eb.<\/span><\/p>\n

Sektori i dyt\u00eb m\u00eb i kredituar i ekonomis\u00eb edhe vitin e kaluar ishte nd\u00ebrtimi, me nj\u00eb vler\u00eb kredie t\u00eb re prej 40.8 miliard\u00eb lek\u00ebsh. Megjithat\u00eb, vlera e kredis\u00eb s\u00eb re p\u00ebr nd\u00ebrtimin ra me 13% krahasuar me vitin 2023.<\/span><\/p>\n

Pesha specifike e huas\u00eb s\u00eb re p\u00ebr nd\u00ebrtimin p\u00ebsoi nj\u00eb r\u00ebnie edhe m\u00eb t\u00eb fort\u00eb, n\u00eb 13.8%, nga 17.5% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb. R\u00ebnia e kredis\u00eb p\u00ebr nd\u00ebrtimin gjat\u00eb vitit t\u00eb kaluar mund t\u00eb jet\u00eb nj\u00eb sinjal se cikli i rritjes s\u00eb k\u00ebtij sektori q\u00eb nisi pas pandemis\u00eb mund t\u00eb ket\u00eb arritur pikun.<\/span><\/p>\n

Pjes\u00ebrisht, ecuria e kredis\u00eb p\u00ebr nd\u00ebrtimin mund t\u00eb jet\u00eb ndikuar edhe nga ndryshimet vjetore n\u00eb financimet e projekteve t\u00eb m\u00ebdha t\u00eb lidhura kryesisht me PPP-t\u00eb n\u00eb infrastruktur\u00ebn rrugore.<\/span><\/p>\n

Sektori i tret\u00eb m\u00eb i kredituar i ekonomis\u00eb ishte industria p\u00ebrpunuese, me 35.6 miliard\u00eb lek\u00eb, 29% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb. Pesha specifike e kredis\u00eb p\u00ebr industrin\u00eb ndaj kredis\u00eb totale p\u00ebr biznesin u rrit n\u00eb 12.1%, nga 10.3% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Pavar\u00ebsisht se industria n\u00eb t\u00ebr\u00ebsi dhe ajo p\u00ebrpunuese n\u00eb ve\u00e7anti kan\u00eb shfaqur nj\u00eb ecuri t\u00eb dob\u00ebt t\u00eb prodhimit gjat\u00eb vitit t\u00eb kaluar, kreditimi n\u00eb k\u00ebt\u00eb rast duket se ka ecur n\u00eb drejtim t\u00eb kund\u00ebrt dhe ka sh\u00ebnuar nj\u00eb rritje t\u00eb fort\u00eb.<\/span><\/p>\n

Nd\u00ebrkoh\u00eb, r\u00ebnie t\u00eb ndjeshme t\u00eb kreditimit vitin e kaluar sh\u00ebnoi ve\u00e7an\u00ebrisht sektori energjetik.<\/span><\/p>\n

Portofoli i kredis\u00eb n\u00eb k\u00ebt\u00eb sektor zbriti n\u00eb 13 miliard\u00eb lek\u00eb, n\u00eb r\u00ebnie me 46% krahasuar me 2024. Kjo solli edhe r\u00ebnie t\u00eb ndjeshme t\u00eb pesh\u00ebs n\u00eb struktur\u00ebn e financimeve t\u00eb reja p\u00ebr bizneset, n\u00eb 4.4%, nga 9.1% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Sektori i transportit dhe magazinimit sh\u00ebnoi p\u00ebrs\u00ebri rritje t\u00eb pesh\u00ebs n\u00eb kredin\u00eb p\u00ebr biznes dhe arriti n\u00eb 5.7% t\u00eb financimeve t\u00eb reja, nga 5% q\u00eb kishte qen\u00eb nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Financimet e reja n\u00eb k\u00ebt\u00eb sektor arrit\u00ebn n\u00eb 19.8 miliard\u00eb lek\u00eb, 46% m\u00eb shum\u00eb krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Pesh\u00eb n\u00eb rritje edhe p\u00ebr vitin e kaluar fitoi sektori i hoteleris\u00eb dhe restoranteve, duke reflektuar k\u00ebrkes\u00ebn e lart\u00eb p\u00ebr investime t\u00eb reja n\u00eb k\u00ebt\u00eb sektor. Kredia e re arriti n\u00eb 16.4 miliard\u00eb lek\u00eb, n\u00eb rritje vjetore me 27.8%. Pesha n\u00eb struktur\u00ebn e kredis\u00eb p\u00ebr biznes u rrit n\u00eb 5.5%, nga 4.8% nj\u00eb vit m\u00eb par\u00eb.<\/span><\/p>\n

Sektori i bujq\u00ebsis\u00eb edhe vitin e kaluar sh\u00ebnoi kreditim n\u00eb vlera modeste, me 2.6 miliard\u00eb lek\u00eb n\u00eb total, 3% m\u00eb pak krahasuar me nj\u00eb vit m\u00eb par\u00eb. Bujq\u00ebsia ngelet duksh\u00ebm e n\u00ebnkredituar, me 0.9% t\u00eb kredis\u00eb dh\u00ebn\u00eb biznesit n\u00eb 2025.<\/span><\/p>\n

Kredia p\u00ebr bujq\u00ebsin\u00eb p\u00ebsoi r\u00ebnie, pavar\u00ebsisht aplikimit t\u00eb skemave t\u00eb ndryshme t\u00eb leht\u00ebsimit t\u00eb financimit, duke p\u00ebrfshir\u00eb edhe nj\u00eb skem\u00eb t\u00eb re t\u00eb garancis\u00eb sovrane p\u00ebr kredit\u00eb, q\u00eb u aplikua nga qeveria shqiptare n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb vitit 2025.\/ Monitor<\/strong><\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Kreditimi i biznesit u rrit p\u00ebrs\u00ebri gjat\u00eb vitit 2025, por me ritme m\u00eb t\u00eb ngadalta krahasuar me ritmet rekord t\u00eb vitit 2024. Sipas statistikave nga Banka e Shqip\u00ebris\u00eb, kredia e re p\u00ebr biznesin arriti n\u00eb 296 miliard\u00eb lek\u00eb, n\u00eb rritje me 10% krahasuar me nj\u00eb vit m\u00eb par\u00eb. P\u00ebr vitin 2024, kredia e re ishte […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":49,"featured_media":782444,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-790465","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\/790465","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=790465"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/790465\/revisions"}],"predecessor-version":[{"id":790466,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/790465\/revisions\/790466"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/782444"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=790465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=790465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=790465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}