{"id":65705,"date":"2023-12-06T18:05:58","date_gmt":"2023-12-06T18:05:58","guid":{"rendered":"https:\/\/rdnews.al\/?p=65705"},"modified":"2023-12-06T18:05:58","modified_gmt":"2023-12-06T18:05:58","slug":"dosja-tronditese-e-drejtesise-si-u-rrenua-familja-dylgjeri-nga-procredit-dhe-mca-permes-mashtrimit","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2023\/12\/06\/dosja-tronditese-e-drejtesise-si-u-rrenua-familja-dylgjeri-nga-procredit-dhe-mca-permes-mashtrimit\/","title":{"rendered":"Dosja trondit\u00ebse e Drejt\u00ebsis\u00eb\/ Si u rr\u00ebnua familja Dylgjeri nga ProCredit dhe MCA p\u00ebrmes mashtrimit"},"content":{"rendered":"

Klodian Tomorri<\/strong><\/p>\n

Pas disa vitesh emigracion n\u00eb shtetin grek, n\u00eb vitin 2010 bashk\u00ebshort\u00ebt Ilir Dylgjeri dhe Eriselda Rista vendos\u00ebn t\u00eb kthehen n\u00eb Atdhe. Familja kishte n\u00eb plan t\u00eb hapte nj\u00eb biznes p\u00ebr t\u00eb nisur jet\u00ebn nga e para n\u00eb vendin e tyre.<\/p>\n

Disa muaj pas kthimit ata vendos\u00ebn t\u00eb marrin nj\u00eb kredi konsumatore n\u00eb shum\u00ebn 700 mij\u00eb lek\u00eb pran\u00eb ProCredit Bank p\u00ebr blerjen e nj\u00eb automjeti. Pasi paguan rregullisht p\u00ebr gati nj\u00eb vit k\u00ebstet p\u00ebrkat\u00ebse t\u00eb kredis\u00eb, dy bashk\u00ebshort\u00ebt dol\u00ebn n\u00eb vones\u00eb.<\/p>\n

Ishte koha kur ekonomia shqiptare u prek nga kriza globale financiare, e cila p\u00ebrve\u00e7se e zhyti ekonomin\u00eb shqiptare n\u00eb nj\u00eb stanjacion t\u00eb gjat\u00eb, \u00e7oi n\u00eb rritjen dramatike t\u00eb kredive t\u00eb k\u00ebqija, deri n\u00eb 28 p\u00ebr qind e totalit.<\/p>\n

P\u00ebr shkak t\u00eb mosshlyerjes s\u00eb kredis\u00eb, ProCredit iu drejtua gjykat\u00ebs duke k\u00ebrkuar urdh\u00ebr ekzekutimin e borxhit. N\u00eb fund t\u00eb vitit 2011, me vendimin nr. 7941, Gjykata Tiran\u00ebs l\u00ebshoi urdhrin e ekzekutimit p\u00ebr detyrimin q\u00eb sipas arsyetimit t\u00eb vendimit dhe t\u00eb dh\u00ebnave t\u00eb kreditorit mbante vler\u00ebn 735 mij\u00eb lek\u00eb ose rreth pak m\u00eb shum\u00eb se 7 mij\u00eb euro me kursin e sot\u00ebm.<\/p>\n

Deri k\u00ebtu gjith\u00e7ka \u00ebsht\u00eb n\u00eb p\u00ebrputhje me ligjin. Fundja \u00e7do borxh i marr\u00eb duhet kthyer, n\u00eb t\u00eb kund\u00ebrt\u00ebn sistemi financiar nuk do t\u00eb mund t\u00eb ekzistonte. Por veprimtaria kriminale nis pas vendimit t\u00eb gjykat\u00ebs. Fillimisht nga vet\u00eb ProCredit dhe m\u00eb pas nga Micro Credit Albania.<\/p>\n

Rasti i \u00e7iftit Dylgjeri-Rista, s\u00eb bashku me ato t\u00eb qindra familjeve t\u00eb tjera, jan\u00eb dokumentuar t\u00eb gjitha nga nj\u00eb hetim voluminoz i ministris\u00eb s\u00eb Drejt\u00ebsis\u00eb p\u00ebr mashtrimin me mikrokredit\u00eb. Kapitali.al publikon t\u00eb plot\u00eb kapitullin kushtuar k\u00ebtij rasti, q\u00eb p\u00ebrb\u00ebn nj\u00eb nga mashtrimet m\u00eb flagrante p\u00ebrmes shtr\u00ebngimit dhe shantazhit.<\/p>\n

\"\"<\/p>\n

Merimanga e krimit<\/strong><\/p>\n

Edhe pse gjykata kishte nxjerr\u00eb urdh\u00ebr ekzekutimi n\u00eb shum\u00ebn 753 mij\u00eb lek\u00eb, ProCredit iu ngarkoi dy bashk\u00ebshort\u00ebve nj\u00eb shum\u00eb detyrimi mbi 30 p\u00ebr qind m\u00eb t\u00eb r\u00ebnd\u00eb.<\/p>\n

N\u00eb mars t\u00eb vitit 2012 ProCredit Bank kontrakton studion p\u00ebrmbarimore \u201cShkrela\u201d sh.p.k., p\u00ebr t\u00eb ekzekutuar vendimin e gjykat\u00ebs. Por n\u00eb titullin ekzekutiv ishte p\u00ebrcaktuar n\u00eb m\u00ebnyr\u00eb t\u00eb detajuar nj\u00eb detyrim prej 692 mij\u00eb lek\u00eb principal, 230. 5 mij\u00eb lek\u00eb interesa dhe 85. 2 mij\u00eb lek\u00eb gjoba. Mbi k\u00ebto, studio p\u00ebrmbarimor\u00eb shton dhe 6600 lek\u00eb tarif\u00eb p\u00ebrmbarimi.<\/p>\n

Pra, n\u00eb total, plot 1 milion\u00eb e 66 mij\u00eb lek\u00eb ose rreth 280 mij\u00eb lek\u00eb m\u00eb shum\u00eb se urdhri i gjykat\u00ebs. Si mundet nj\u00eb bank\u00eb t\u00eb ngarkoj\u00eb nj\u00eb detyrim 30 p\u00ebr qind m\u00eb t\u00eb r\u00ebnd\u00eb se sa urdhri i gjykat\u00ebs? Megjithat\u00eb ky ishte vet\u00ebm krimi i par\u00eb dhe ai m\u00eb i leht\u00eb q\u00eb ju b\u00eb dy bashk\u00ebshort\u00ebve. M\u00eb e keqja duhet t\u00eb vinte kur n\u00eb sken\u00eb hyn\u00eb shushunjat e mikrokredive.<\/p>\n

Borxh mbi borxh \u00a0<\/strong><\/p>\n

N\u00eb dhjetor t\u00eb vitit 2012 p\u00ebrmbaruesi privat urdh\u00ebron pun\u00ebdh\u00ebn\u00ebsin e debitores Eriselda Rista p\u00ebr vendosjen e mas\u00ebs s\u00eb sekuestros konservative mbi pag\u00ebn e debitores.<\/p>\n

Nga muaji janar 2013 deri n\u00eb muajin janar 2014, zonj\u00ebs Rista iu mbajt\u00ebn \u00e7do muaj 12 mij\u00eb lek\u00eb nga paga, shum\u00eb e cila ka kaluar rregullisht nga llogaria e p\u00ebrmbaruesit tek llogaria e kreditorit ProCredit Bank. N\u00eb total 156 mij\u00eb lek\u00eb, gjithmon\u00eb t\u00eb reja.<\/p>\n

N\u00eb vitin 2015, ProCredit vendosi t\u00eb transferoj\u00eb dosjen tek nj\u00eb tjet\u00ebr p\u00ebrmbarues. Pasi \u00ebsht\u00eb kryer transferimi i \u00e7\u00ebshtjes p\u00ebrmbarimore, n\u00eb gusht t\u00eb vitit 2015, ProCredit vendos t\u00eb shes\u00eb nj\u00eb paket\u00eb t\u00eb madhe me mbi 10 mij\u00eb kredi t\u00eb k\u00ebqija tek institucioni financiar jo-bank\u00eb Micro Credit Albania (MCA). Brenda portofolit t\u00eb shitur ishte dhe kredia e bashk\u00ebshort\u00ebve Ilir Vlash Dylgjeri dhe Eriselda Ligor Rista. Tani e keqja mb\u00ebrriti.<\/p>\n

Shushunja MCA \u00a0\u00a0\u00a0<\/strong><\/p>\n

Menj\u00ebher\u00eb pas blerjes Micro Credit Albania e transferoi dosjen e kredis\u00eb s\u00eb dy bashk\u00ebshort\u00ebve tek shoq\u00ebria p\u00ebrmbaruese STAR. Ky ishte p\u00ebrmbaruesi i tret\u00eb dhe secili prej tyre shtonte nga 6600 lek\u00eb tarif\u00eb p\u00ebrmbarimi. Megjithat\u00eb ky ishte halli m\u00eb i vog\u00ebl.<\/p>\n

P\u00ebrmbaruesja Jordisa Dervishi e \u201cSh\u00ebrbimi P\u00ebrmbarimor STAR\u201d, ka rifilluar ekzekutimi ndaj debitor\u00ebve, duke sekuestruar pagat e dy bashk\u00ebshort\u00ebve, mjetet motorike dhe llogarit\u00eb bankare q\u00eb ata dispononin. Me bllokimin e t\u00eb dy pagave, familjes iu vu laku n\u00eb fyt duke e l\u00ebn\u00eb pa asnj\u00eb t\u00eb ardhur, as p\u00ebr mbijetes\u00eb. Ky ishte fillimi i skem\u00ebs grabtiqare.<\/p>\n

Pas sekuestrimit t\u00eb dy pagave n\u00eb pun\u00ebn e zotit Dylgjeri shfaqet nj\u00eb p\u00ebrmbarues nga STAR duke b\u00ebr\u00eb presion mbi situat\u00ebn dhe duke shantazhuar familjen se do t\u00eb kishin penalitete nga viti 2015 e tutje n\u00ebse nuk b\u00ebnim di\u00e7ka.<\/p>\n

\u201cAi propozoi nj\u00eb zgjidhje duke i sqaruar bashk\u00ebshortit se mund t\u00eb na financonin n\u00ebp\u00ebrmjet \u201cMICRO CREDIT ALBANIA\u201d sh.p.k. pjes\u00eb e \u201cSTAR\u201d sh.p.k, q\u00eb ne kishim dosjen dhe t\u00eb na fuste n\u00eb sistem pagese normale nj\u00ebsoj si\u00e7 dhe e kishim pasur marr\u00ebveshjen n\u00eb fillim fare me bank\u00ebn \u201cProCredit\u201d me k\u00ebste q\u00eb do e vendosnim ne se sa mundeshim t\u00eb paguanim dhe duke p\u00ebrfituar k\u00ebshtu \u00e7do heqje mase sekuestro,\u201d thot\u00eb Risa n\u00eb d\u00ebshmin\u00eb e saj para grupit t\u00eb hetuesve t\u00eb ministris\u00eb s\u00eb Drejt\u00ebsis\u00eb.<\/p>\n

\"\"<\/p>\n

Fillimisht STAR dhe Micro Credit Albania e detyrojn\u00eb familjen t\u00eb marr\u00eb nj\u00eb kredi t\u00eb re 572 mij\u00eb lek\u00eb. Por k\u00ebto para familja nuk i pa asnj\u00ebher\u00eb, pasi e gjitha shuma shkoi n\u00eb llogari t\u00eb zyr\u00ebs p\u00ebrmbaruese STAR.<\/p>\n

\u201cNa propozuan nj\u00eb skem\u00eb t\u00eb till\u00eb q\u00eb; gjysm\u00ebn e shum\u00ebs s\u00eb kredis\u00eb q\u00eb kishim, pra 500 mij\u00eb lek\u00eb do ta ngrijm\u00eb p\u00ebr nj\u00eb vit q\u00eb mos t\u00eb rriteshin si detyrime apo penalitete dhe pjes\u00ebn tjet\u00ebr t\u00eb financoheshim prej tyre p\u00ebr t\u00eb likuiduar zyr\u00ebn p\u00ebrmbarimore \u201cSTAR\u201d n\u00eb shum\u00ebn prej 572 mij\u00eb lek\u00eb dhe nd\u00ebrkoh\u00eb t\u00eb paguanim \u201cMicro Credit Albania\u201d k\u00ebste mujore 15 000 lek\u00eb k\u00ebste q\u00eb ia propozuam vet\u00eb sipas mund\u00ebsis\u00eb q\u00eb e shihnim t\u00eb realizueshme,\u201d vijon Rista.<\/p>\n

Skema e ngarkimit t\u00eb kredis\u00eb ishte e till\u00eb. Nj\u00eb person nga Micro Credit Albania shoq\u00ebronte nj\u00ebrin prej familjar\u00ebve n\u00eb BKT. Personi i jepte sportelist\u00ebt se bank\u00ebs nj\u00eb \u00e7ek t\u00eb l\u00ebshuar nga MCA n\u00eb em\u00ebr t\u00eb bashk\u00ebshortit dhe pasi sportelistja e thyente \u00e7ekun, parat\u00eb depozitoheshin menj\u00ebher\u00eb n\u00eb llogarin\u00eb e zyr\u00ebs p\u00ebrmbarimore STAR. Kjo kredi e lidhur n\u00eb vitin 2016, ishte vet\u00ebm e para.<\/p>\n

Nj\u00eb her\u00eb, dy her\u00eb, tre her\u00eb<\/strong><\/p>\n

N\u00eb janar t\u00eb vitit 2017, Micro Credit Albania ja bllokon s\u00ebrish llogarit\u00eb \u00e7iftit t\u00eb bashk\u00ebshort\u00ebve. S\u00ebrish propozohet e nj\u00ebjta skem\u00eb. K\u00ebt\u00eb her\u00eb kredia prej 360 mij\u00eb lek\u00ebsh e thyer me \u00e7ek n\u00eb BKT kalon n\u00eb llogarin\u00eb e vet Micro Credit Albania. Zoti Dylgjeri vet\u00ebm sa firmoste dokumentat, por parat\u00eb nuk i merrte asnj\u00ebher\u00eb. Atij vet\u00ebm sa i shtohej detyrimi.<\/p>\n

\u201cNuk ka dy pa tre\u201d \u2013 thon\u00eb italian\u00ebt. K\u00ebshtu ndodhi dhe me \u00e7iftin e bashk\u00ebshort\u00ebve. Pas dy kredive t\u00eb para, familja u detyrua t\u00eb merrte dhe nj\u00eb t\u00eb tret\u00eb, k\u00ebt\u00eb her\u00eb n\u00eb mas\u00ebn 786 mij\u00eb lek\u00eb. Varianti ishte gjithmon\u00eb ai i \u00e7ekut t\u00eb l\u00ebshuar nga Micro Credit Albania n\u00eb em\u00ebr t\u00eb familjar\u00ebve, por q\u00eb pasi thyhej n\u00eb sportelin e BKT kalonte direkt ose n\u00eb llogarin\u00eb e STAR ose n\u00eb at\u00eb t\u00eb vet\u00eb MCA-s\u00eb, nd\u00ebrsa familjar\u00ebt nuk preknin lek\u00eb asnj\u00ebher\u00eb, vet\u00ebm sa u shtoheshin detyrimet.<\/p>\n

Si p\u00ebrfundim, pasi mor\u00ebn fizikisht nj\u00eb kredi prej vet\u00ebm 700 mij\u00eb lek\u00ebsh n\u00eb bank\u00ebn ProCredit n\u00eb vitin 2010, dy bashk\u00ebshort\u00ebt p\u00ebrfunduan p\u00ebrmes mashtrimit dhe shantazhit nga Micro Credit Albania me nj\u00eb detyrim prej 2 milion\u00eb e 30 mij\u00eb lek\u00eb ose rreth 20 mij\u00eb euro. Pra tre her\u00eb m\u00eb shum\u00eb.\u00a0\u00a0<\/strong><\/p>\n

\u201cKjo kontrat\u00eb e fundit ishte shkat\u00ebrrimi jon\u00eb. Shkojm\u00eb si njer\u00ebz tashm\u00eb me lakun n\u00eb fyt e t\u00eb implikuar n\u00eb kredin\u00eb e zez\u00eb ton\u00ebn,\u201d p\u00ebrfundon Rista d\u00ebshmin\u00eb e saj para grupit t\u00eb pun\u00ebs t\u00eb ngritura nga ministria e drejt\u00ebsis\u00eb.<\/p>\n

Por ky \u00ebsht\u00eb vet\u00ebm nj\u00eb nga qindra rastet e administruara n\u00eb dosjen hetimore t\u00eb ministris\u00eb s\u00eb Drejt\u00ebsis\u00eb prej 3 vjet\u00ebsh.<\/p>\n

Mbi k\u00ebt\u00eb hetim ministria e Drejt\u00ebsis\u00eb hoqi li\u00e7encat e disa zyrave p\u00ebrmbarimore dhe kall\u00ebzoi penalisht t\u00eb gjith\u00eb rrjetin e personave q\u00eb q\u00ebndronin pas Micro Credit Albania dhe STAR.<\/p>\n

Por kur kan\u00eb kaluar gati 4 vjet, as prokuroria dhe as Banka e Shqip\u00ebris\u00eb nuk kan\u00eb nd\u00ebrmarr\u00eb asnj\u00eb veprim. Micro Credit Albania vazhdon t\u00eb b\u00ebj\u00eb biznes, tashm\u00eb duke tjet\u00ebrsuar pronat e mij\u00ebra familjeve p\u00ebr detyrime t\u00eb vogla konsumatore. Dhe i gjith\u00eb shteti \u00ebsht\u00eb zhytur n\u00eb k\u00ebnet\u00ebn e qelbur dixhitale t\u00eb mikrokredive mashtruese sepse institucioneve u ka z\u00ebn\u00eb hund\u00ebn rryshfeti. \/kapitali,al<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Klodian Tomorri Pas disa vitesh emigracion n\u00eb shtetin grek, n\u00eb vitin 2010 bashk\u00ebshort\u00ebt Ilir Dylgjeri dhe Eriselda Rista vendos\u00ebn t\u00eb kthehen n\u00eb Atdhe. Familja kishte n\u00eb plan t\u00eb hapte nj\u00eb biznes p\u00ebr t\u00eb nisur jet\u00ebn nga e para n\u00eb vendin e tyre. Disa muaj pas kthimit ata vendos\u00ebn t\u00eb marrin nj\u00eb kredi konsumatore n\u00eb shum\u00ebn …<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-65705","post","type-post","status-publish","format-standard","","category-politike"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/65705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=65705"}],"version-history":[{"count":0,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/65705\/revisions"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=65705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=65705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=65705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}