Shqip\u00ebria ngelet ende ekonomia m\u00eb pak e kredituar n\u00eb rajonin e Ballkanit Per\u00ebndimor.<\/p>\n
T\u00eb dh\u00ebnat krahasuese nga Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN) tregojn\u00eb se n\u00eb fund t\u00eb vitit t\u00eb kaluar portofoli i kredis\u00eb n\u00eb Shqip\u00ebri ishte sa 30.7% e Prodhimit t\u00eb Brendsh\u00ebm Bruto (PBB), n\u00eb r\u00ebnie nga niveli prej 32.4% i vitit 2022.<\/p>\n
Megjith\u00ebse kredia n\u00eb vler\u00eb absolute ka vazhduar t\u00eb rritet n\u00eb vitet e fundit, ajo nuk ka mbajtur dot ritmet e rim\u00ebk\u00ebmbjes s\u00eb shpejt\u00eb ekonomike n\u00eb periudh\u00ebn pas pandemis\u00eb. P\u00ebr k\u00ebt\u00eb arsye, raporti i PBB-s\u00eb ka p\u00ebsuar r\u00ebnie p\u00ebr t\u00eb dytin vit radhazi n\u00eb 2023.<\/p>\n
Ekonomia me kreditimin m\u00eb t\u00eb lart\u00eb n\u00eb rajon \u00ebsht\u00eb Maqedonia e Veriut, me nj\u00eb portofol sa 52.4% e PBB-s\u00eb, e ndjekur nga Kosova, me 50.7%, Bosnje-Hercegovina, me 45.3%, Mali i Zi, me 43.8% dhe Serbia, me 38.6% e PBB-s\u00eb.<\/p>\n
Shqip\u00ebria ka pasur nivele t\u00eb ul\u00ebta t\u00eb kredis\u00eb n\u00eb raport me PBB-n\u00eb p\u00ebrgjat\u00eb gjith\u00eb periudh\u00ebs postkomuniste. Nj\u00eb rritje e shpejt\u00eb e k\u00ebtij raporti u regjistrua sidomos gjat\u00eb periudh\u00ebs 2005-2011, q\u00eb p\u00ebrkon me zgjerimin e sektorit bankar bankar n\u00eb vend.<\/p>\n
N\u00eb vitin 2011, raporti i kredis\u00eb ndaj PBB-s\u00eb arriti nivelin m\u00eb t\u00eb lart\u00eb historik, me m\u00eb shum\u00eb se 41%. N\u00eb vitet q\u00eb pasuan, ky raport p\u00ebsoi r\u00ebnie t\u00eb vazhdueshme, p\u00ebr shkak t\u00eb kriz\u00ebs s\u00eb kredive me probleme, q\u00eb solli stanjacion t\u00eb kreditimit p\u00ebr vite me radh\u00eb dhe m\u00eb pas pastrimit t\u00eb vazhduesh\u00ebm t\u00eb portofoleve prej kredive t\u00eb humbura.<\/span><\/p>\n Fshirja e kredive t\u00eb humbura t\u00eb sektorit bankar nisi n\u00eb p\u00ebrmasa t\u00eb konsiderueshme n\u00eb vitin 2015, kur hyri n\u00eb fuqi detyrimi i vendosur nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb nxjerr\u00eb jasht\u00eb bilanceve kredit\u00eb e klasifikuara si t\u00eb humbura prej m\u00eb shum\u00eb se tre vjet\u00ebsh. Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, gjat\u00eb periudh\u00ebs janar 2015 \u2013 qershor 2024, bankat kan\u00eb fshir\u00eb nga bilancet e tyre rreth 83 miliard\u00eb lek\u00eb.<\/p>\n N\u00eb periudh\u00ebn 2019-2020 ku raport iu kthye rritjes, i nxitur nga gjall\u00ebrimi i kreditimit, por edhe frenimi i fort\u00eb q\u00eb p\u00ebsoi ekonomia n\u00eb vitin pandemik 2020. Pas vitit 2021, ky raport paraqitet p\u00ebrs\u00ebri n\u00eb r\u00ebnie, sepse huadh\u00ebnia nuk ka mbajtur dot ritmet e rritjes ekonomike.<\/p>\n Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb shtatorit portofoli i kredis\u00eb p\u00ebr ekonomin\u00eb arriti n\u00eb vler\u00ebn e 813 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 12%. Gjat\u00eb k\u00ebtij viti rritja e kredis\u00eb n\u00eb vler\u00eb nominale \u00ebsht\u00eb p\u00ebrshpejtuar ndjesh\u00ebm dhe ka arritur nivelet m\u00eb t\u00eb larta q\u00eb prej vitit 2008.<\/p>\n Megjithat\u00eb, kjo rritje e kredis\u00eb, ve\u00e7an\u00ebrisht me q\u00ebllim financimin e pasurive t\u00eb paluajtshme, ka krijuar shqet\u00ebsim p\u00ebr Bank\u00ebn e Shqip\u00ebris\u00eb, q\u00eb n\u00eb mesin e k\u00ebtij viti vendosi p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb shtes\u00eb kund\u00ebrciklike n\u00eb raportin e mjafteushm\u00ebris\u00eb s\u00eb kapitalit.\/ MONITOR<\/p>\n","protected":false},"excerpt":{"rendered":" Shqip\u00ebria ngelet ende ekonomia m\u00eb pak e kredituar n\u00eb rajonin e Ballkanit Per\u00ebndimor. T\u00eb dh\u00ebnat krahasuese nga Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN) tregojn\u00eb se n\u00eb fund t\u00eb vitit t\u00eb kaluar portofoli i kredis\u00eb n\u00eb Shqip\u00ebri ishte sa 30.7% e Prodhimit t\u00eb Brendsh\u00ebm Bruto (PBB), n\u00eb r\u00ebnie nga niveli prej 32.4% i vitit 2022. Megjith\u00ebse kredia n\u00eb …<\/p>\n","protected":false},"author":4,"featured_media":93882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-93881","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/93881","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=93881"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/93881\/revisions"}],"predecessor-version":[{"id":93883,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/93881\/revisions\/93883"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/93882"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=93881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=93881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=93881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}