{"id":5891,"date":"2021-08-26T13:15:45","date_gmt":"2021-08-26T11:15:45","guid":{"rendered":"https:\/\/parleralbania.com\/site\/?p=5891"},"modified":"2021-08-26T13:15:46","modified_gmt":"2021-08-26T11:15:46","slug":"tregu-i-punes-ende-i-brishte-shqiptaret-heqin-dore-nga-overdraftet-gjate-pandemise-rriten-kredite-konsumatore","status":"publish","type":"post","link":"https:\/\/parleralbania.com\/site\/tregu-i-punes-ende-i-brishte-shqiptaret-heqin-dore-nga-overdraftet-gjate-pandemise-rriten-kredite-konsumatore\/","title":{"rendered":"Tregu i pun\u00ebs ende i brisht\u00eb, shqiptar\u00ebt heqin dor\u00eb nga overdraftet gjat\u00eb pandemis\u00eb, rriten kredit\u00eb konsumatore"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">P\u00ebrdorimi i paradh\u00ebnieve bankare ose overdrafteve nga individ\u00ebt ende nuk po arrin nivelet e periudh\u00ebs para pandemis\u00eb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb mesin e k\u00ebtij viti vlera totale e overdrafteve t\u00eb p\u00ebrdorura nga individ\u00ebt kishte vler\u00ebn e 7.43 miliard\u00eb lek\u00ebve, me nj\u00eb rritje modeste me 0.8% krahasuar me nj\u00eb vit m\u00eb par\u00eb. Krahasuar me muajin shkurt 2020, para nisjes s\u00eb pandemis\u00eb, vlera e overdrafteve \u00ebsht\u00eb n\u00eb r\u00ebnie me rreth 5.6%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Paradh\u00ebnia bankare p\u00ebr individ\u00ebt \u00ebsht\u00eb zakonisht nj\u00eb produkt i lidhur me llogarit\u00eb e pagamarr\u00ebsve, me q\u00ebllim plot\u00ebsimin e nevojave konsumatore. R\u00ebnia e overdrafteve pas shp\u00ebrthimit t\u00eb pandemis\u00eb mund t\u00eb interpretohet si pasoj\u00eb e keq\u00ebsimit t\u00eb treguesve t\u00eb pun\u00ebsimit dhe uljes s\u00eb shpenzimeve konsumatore.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pjes\u00ebrisht, nj\u00eb tendenc\u00eb e ngjashme po v\u00ebrehet edhe n\u00eb segmentin e kredis\u00eb konsumatore q\u00eb jepet p\u00ebr mallra jo t\u00eb q\u00ebndrueshme. N\u00eb mesin e k\u00ebtij viti, vlera e k\u00ebtij portofoli arriti n\u00eb 31.7 miliard\u00eb lek\u00eb, me nj\u00eb rritje t\u00eb vog\u00ebl prej 1.3% krahasuar me muajin shkurt 2020. Rritja e kredis\u00eb konsumatore ka ardhur pothuajse e gjitha n\u00eb segmentin e mallrave t\u00eb q\u00ebndruesh\u00ebm, t\u00eb lidhur me investimin n\u00eb automjete, pajisje elektrike, elektronike, etj. K\u00ebta jan\u00eb tregues t\u00eb t\u00ebrthort\u00eb t\u00eb faktit se rim\u00ebk\u00ebmbja e konsumit n\u00eb ekonomi ngelet ende e pjesshme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Megjith\u00ebse Prodhimi i Brendsh\u00ebm Bruto k\u00ebt\u00eb vit i \u00ebsht\u00eb kthyer rritjes, ndikimin m\u00eb t\u00eb madhe ka dh\u00ebn\u00eb rritja e investimeve, nd\u00ebrsa rritja e konsumit duket ende e zbeht\u00eb. Sipas Instat, p\u00ebr tremujorin I 2020, formimi bruto i kapitalit fiks u rrit me mbi 21%, nd\u00ebrsa konsumi final i popullat\u00ebs me vet\u00ebm 1.5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00eb analiz\u00ebn e fundit t\u00eb muajit gusht, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb konstatonte se pavar\u00ebsisht p\u00ebrmir\u00ebsimit t\u00eb ekonomis\u00eb reale, tregu i pun\u00ebs ka shfaqur nj\u00eb ecuri t\u00eb plog\u00ebsht n\u00eb tremujorin e par\u00eb. Niveli i pun\u00ebsimit vijon t\u00eb mbetet posht\u00eb atij t\u00eb regjistruar p\u00ebrpara pandemis\u00eb, norma e papun\u00ebsis\u00eb n\u00eb tremujorin e par\u00eb u rrit n\u00eb 11.9%, nd\u00ebrsa presionet e tregut p\u00ebr rritjen e pagave jan\u00eb ende t\u00eb zbehta. Bazuar n\u00eb ecurin\u00eb historike, Banka e Shqip\u00ebris\u00eb gjykon se rritja e q\u00ebndrueshme e pun\u00ebsimit dhe e pagave do t\u00eb ndjek\u00eb me vones\u00eb kohore zgjerimin e k\u00ebrkes\u00ebs p\u00ebr mallra e sh\u00ebrbime. \/Monitor<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.faxweb.al\/wp-content\/uploads\/2021\/08\/grafiket-588x400.jpg\" alt=\"\" class=\"wp-image-1204198\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>P\u00ebrdorimi i paradh\u00ebnieve bankare ose overdrafteve nga individ\u00ebt ende nuk po arrin nivelet e periudh\u00ebs para pandemis\u00eb. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se n\u00eb mesin e k\u00ebtij viti&hellip;<\/p>\n","protected":false},"author":1,"featured_media":5892,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"","footnotes":""},"categories":[39],"tags":[],"class_list":["post-5891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kurizitete"],"_links":{"self":[{"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/posts\/5891","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/comments?post=5891"}],"version-history":[{"count":1,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/posts\/5891\/revisions"}],"predecessor-version":[{"id":5893,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/posts\/5891\/revisions\/5893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/media\/5892"}],"wp:attachment":[{"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/media?parent=5891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/categories?post=5891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/parleralbania.com\/site\/wp-json\/wp\/v2\/tags?post=5891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}