{"id":405,"date":"2015-08-14T08:54:19","date_gmt":"2015-08-14T08:54:19","guid":{"rendered":"https:\/\/sbunker.org\/?p=405"},"modified":"2024-12-17T11:26:35","modified_gmt":"2024-12-17T09:26:35","slug":"tkurrja-e-bankave-shenje-e-perkeqesimit-ekonomik","status":"publish","type":"post","link":"https:\/\/sbunker.org\/en\/opinion\/tkurrja-e-bankave-shenje-e-perkeqesimit-ekonomik\/","title":{"rendered":"Tkurrja e bankave, shenj\u00eb e p\u00ebrkeq\u00ebsimit ekonomik"},"content":{"rendered":"

N\u00eb vitin 2007, banka m\u00eb e madhe komerciale n\u00eb Kosov\u00eb, ProCredit, kishte hapur solemnisht deg\u00ebn e saj n\u00eb Dragash. Asokohe zyrtar\u00ebt e ProCredit me entuziaz\u00ebm t\u00eb madh paralajmeronin hapje t\u00eb deg\u00ebve t\u00eb reja dhe ekspanzion n\u00eb gjith\u00eb Kosov\u00ebn. M\u00eb 1 korrik t\u00eb k\u00ebtij viti, ProCredit mbylli p\u00ebrfundimisht deg\u00ebn e saj n\u00eb Dragash. T\u00eb nj\u00ebjt\u00ebn e b\u00ebri edhe n\u00eb Suharek\u00eb, bashk\u00eb edhe me kat\u00ebr pika tjera t\u00eb sh\u00ebrbimit. P\u00ebrve\u00e7 se banor\u00ebve t\u00eb Dragashit dhe Suharek\u00ebs tani u duhet t\u00eb udh\u00ebtojn\u00eb n\u00eb qytete t\u00eb tjera q\u00eb t\u00eb kryejn\u00eb sh\u00ebrbime bankare, kjo bank\u00eb gjat\u00eb vitit t\u00eb fundit gjithashtu ka kryer nj\u00eb val\u00eb ristrukturimi, duke zvog\u00ebluar stafin dhe duke rritur gjithashtu \u00e7mimet e sh\u00ebrbimeve, p\u00ebrfshir\u00eb edhe minimumin p\u00ebr hapjen e llogaris\u00eb.<\/span><\/p>\n

E gjith\u00eb kjo nuk \u00ebsht\u00eb shenj\u00eb p\u00ebr ndonj\u00eb p\u00ebrkeq\u00ebsim n\u00eb afarizmin e bankave. Vlera e p\u00ebrgjithshme e depozitave gjat\u00eb \u00e7erekut t\u00eb par\u00eb t\u00eb vitit 2015 ka arritur n\u00eb 2,57 miliard\u00eb euro, nj\u00eb rritje prej gati 6 p\u00ebr qind nga viti i kaluar. Gjat\u00eb vitit 2014, nd\u00ebrkaq, bankat komerciale kishin realizuar profit rekord prej 60 milion\u00eb eurosh, m\u00eb shum\u00eb se dyfishin e profitit q\u00eb e kishin realizuar n\u00eb vitin paraprak.<\/span><\/p>\n

Ndryshimet e politikave bankare jan\u00eb edhe shenj\u00eb e nj\u00eb mjedisi gjithnj\u00eb e m\u00eb t\u00eb pafavorsh\u00ebm ekonomik. Gj\u00eb q\u00eb po shihet jo vet\u00ebm nga ristrukturimi por edhe nga ndryshimet n\u00eb struktur\u00ebn e t\u00eb ardhurave bankare. K\u00ebto ndryshime reflektojn\u00eb at\u00eb q\u00eb duket t\u00eb jet\u00eb nj\u00eb ndryshim n\u00eb modelin e biznesit bankar, i cili t\u00eb hyrat i mb\u00ebshtet n\u00eb t\u00eb ardhurat e realizuara p\u00ebrmes komisioneve e tarifave, se sa n\u00eb at\u00eb q\u00eb \u00ebsht\u00eb shtyll\u00eb e biznesit bankar \u2013 kamatat. N\u00eb vitin 2011, t\u00eb hyrat nga komisionet e tarifat p\u00ebr bankat ishin 18,7 p\u00ebr qind e t\u00eb hyrave t\u00eb tyre t\u00eb p\u00ebrgjithshme. Nd\u00ebrkaq, n\u00eb vitin 2014 kjo kishte arritur n\u00eb 19,6 p\u00ebr qind.<\/span><\/p>\n

E gjith\u00eb kjo reflekton nj\u00eb adaptim ndaj brisht\u00ebsis\u00eb s\u00eb struktur\u00ebs ekonomike t\u00eb Kosov\u00ebs, ku jan\u00eb zvog\u00ebluar mund\u00ebsit\u00eb p\u00ebr investime, por edhe jostabilitetin makroekonomik q\u00eb nga viti 2008. Q\u00eb nga ai vit, vendi ka shkuar nga nivele t\u00eb larta inflacioni n\u00eb at\u00eb q\u00eb tani \u00ebsht\u00eb nj\u00eb periudh\u00eb deflacioni. Nj\u00eb pjes\u00eb e mir\u00eb e k\u00ebtyre l\u00ebvizjeve jan\u00eb t\u00eb determinuara nga faktor\u00eb global\u00eb, si l\u00ebvizjet inflacioniste n\u00eb Serbi, kriza e euros dhe intervenimet e Bank\u00ebs Q\u00ebndrore Evropiane q\u00eb prodhojn\u00eb efekte indirekte n\u00eb ekonomin\u00eb e Kosov\u00ebs.<\/span><\/p>\n

M\u00eb brengos\u00ebs \u00ebsht\u00eb fakti se q\u00eb nga viti 2012, kreditimi n\u00eb Kosov\u00eb ka marr\u00eb nj\u00eb kah konservator. Q\u00eb nga fundi i k\u00ebtij viti, ekonomia kosovare ka p\u00ebrjetuar nj\u00eb rritje m\u00eb t\u00eb madhe t\u00eb depozitave se t\u00eb kredive, nd\u00ebrsa r\u00ebnia e raportit midis kreditimit dhe depozitave po arrin n\u00eb nj\u00eb nivel t\u00eb para-pavar\u00ebsis\u00eb. Kjo dometh\u00ebn\u00eb se bankat gjithnj\u00eb e m\u00eb shum\u00eb kan\u00eb ngushtuar kredidh\u00ebnien, p\u00ebrkund\u00ebr r\u00ebni\u00ebs s\u00eb normave t\u00eb interesit.<\/span><\/p>\n

Kjo r\u00ebnie e kreditimit po detyron bankat q\u00eb profabilitetin ta arrijn\u00eb p\u00ebrmes burimeve alternative, si\u00e7 jan\u00eb shkurtimi i shpenzimeve (p\u00ebrfshir\u00eb shkurtimet e vendeve t\u00eb pun\u00ebs) dhe rritjes s\u00eb t\u00eb hyrave t\u00eb tjera, t\u00eb realizuara p\u00ebrmes komisioneve e tarifave. Kjo strategji, si\u00e7 d\u00ebshmojn\u00eb shifrat e profitabilitetit t\u00eb vitit 2014, po tregohet e suksesshme p\u00ebr vet\u00eb bankat.<\/span><\/p>\n

Por kjo strategji po \u00e7on edhe n\u00eb zvog\u00eblimin e pun\u00ebsimit n\u00eb sektorin financiar dhe p\u00ebrkeq\u00ebsim kushtesh p\u00ebr konsumator\u00ebt p\u00ebrmes mbylljes s\u00eb filialave dhe shtrejtimit t\u00eb tarifave p\u00ebr sh\u00ebrbimet m\u00eb bazike.<\/span><\/p>\n

P\u00ebrve\u00e7 k\u00ebsaj, ngushtimi i kredidh\u00ebnies tregon edhe p\u00ebr r\u00ebnie t\u00eb investimeve, pasi q\u00eb niveli i investimeve n\u00eb nj\u00eb ekonomi \u00ebsht\u00eb i lidhur ngusht\u00eb me nivelin e kreditimit.<\/span><\/p>\n

K\u00ebsaj gjendjeje mund t\u2019i ndihmoj\u00eb projekti p\u00ebr nj\u00eb Fond p\u00ebr Garanci Kreditore, i financuar nga nj\u00eb num\u00ebr donator\u00ebsh t\u00eb jasht\u00ebm. Sipas njoftimeve q\u00eb jan\u00eb b\u00ebr\u00eb, ideja e k\u00ebtij fondi \u00ebsht\u00eb q\u00eb t\u00eb garantojn\u00eb 50 p\u00ebr qind t\u00eb kolateralit, p\u00ebr kredit\u00eb q\u00eb bankat i japin nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme. Ndon\u00ebse detajet e k\u00ebtij projekti nuk jan\u00eb dh\u00ebn\u00eb, ai mund t\u00eb jet\u00eb nj\u00eb shtytes p\u00ebr nxitjen e kreditimit. Por, drejtuesja e Ministris\u00eb p\u00ebr Tregti dhe Industri, Hikmete Bajrami, tregon p\u00ebr nj\u00eb mosnjohje elementare t\u00eb funksionimit t\u00eb bankave kur deklaron, si\u00e7 b\u00ebri gjat\u00eb prezantimit t\u00eb k\u00ebtij Fondi n\u00eb muajin qershor, se garantimi i 50 p\u00ebr qind t\u00eb kolateralit do t\u00eb \u00e7oj\u00eb n\u00eb ulje t\u00eb normave t\u00eb interesit p\u00ebr po aq, 50 p\u00ebr qind. Kolaterali \u00ebsht\u00eb vet\u00ebm nj\u00eb pjes\u00eb e kalkulimit bankar t\u00eb riskut, nd\u00ebrsa normat e interesit varet nga nj\u00eb s\u00ebr\u00eb faktor\u00ebsh, p\u00ebrfshir\u00eb mjedisin makroekonomik dhe strategjit\u00eb bankare.<\/span><\/p>\n

Sido q\u00eb t\u00eb jet\u00eb, t\u00ebrheqja aktuale e kreditimit t\u00eb n\u00eb Kosov\u00eb d\u00ebshmon se sektor\u00ebt ekonomik\u00eb n\u00eb Kosov\u00eb po vuajn\u00eb thell\u00ebsisht nga investimet. Tkurrja e aktiviteteve bankare \u00ebsht\u00eb shenj\u00eb se kjo gjendje tani po merr p\u00ebrmasa edhe m\u00eb serioze.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

N\u00eb vitin 2007, banka m\u00eb e madhe komerciale n\u00eb Kosov\u00eb, ProCredit, kishte hapur solemnisht deg\u00ebn e saj n\u00eb Dragash. Asokohe zyrtar\u00ebt e ProCredit me entuziaz\u00ebm t\u00eb madh paralajmeronin hapje t\u00eb deg\u00ebve t\u00eb reja dhe ekspanzion n\u00eb gjith\u00eb Kosov\u00ebn. M\u00eb 1 korrik t\u00eb k\u00ebtij viti, ProCredit mbylli p\u00ebrfundimisht deg\u00ebn e saj n\u00eb Dragash. T\u00eb nj\u00ebjt\u00ebn e […]<\/p>","protected":false},"author":49,"featured_media":11082,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"ppma_author":[59],"class_list":["post-405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opinion"],"authors":[{"term_id":59,"user_id":49,"is_guest":0,"slug":"besnik-pula","display_name":"Besnik Pula","avatar_url":{"url":"https:\/\/sbunker.org\/wp-content\/uploads\/2023\/10\/1516241920287.jpg","url2x":"https:\/\/sbunker.org\/wp-content\/uploads\/2023\/10\/1516241920287.jpg"},"user_url":"","last_name":"Pula","first_name":"Besnik","description":"Besnik Pula specializon n\u00eb Ekonomi Politike dhe \u00ebsht\u00eb profesor-asistent n\u00eb Departamentin e Shkenc\u00ebs Politike n\u00eb Universitetin Virginia Tech n\u00eb ShBA. Besniku ka doktoruar n\u00eb Sociologji n\u00eb Universitetin e Mi\u00e7igenit. Shkruan kryesisht p\u00ebr politikat zhvillimore, \u00e7\u00ebshtjet sociale dhe ekonomike."}],"_links":{"self":[{"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/posts\/405","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/comments?post=405"}],"version-history":[{"count":2,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/posts\/405\/revisions"}],"predecessor-version":[{"id":414,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/posts\/405\/revisions\/414"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/media\/11082"}],"wp:attachment":[{"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/media?parent=405"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/categories?post=405"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/tags?post=405"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/sbunker.org\/en\/wp-json\/wp\/v2\/ppma_author?post=405"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}