{"id":182,"date":"2019-02-05T15:40:24","date_gmt":"2019-02-05T14:40:24","guid":{"rendered":"http:\/\/redaktori.com\/?p=182"},"modified":"2019-02-05T15:40:24","modified_gmt":"2019-02-05T14:40:24","slug":"depozitat-ne-renie-per-te-dytin-vit-radhazi-individet-terheqin-320-milione-euro-de-euroizimi-nuk-dha-efekt","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=182","title":{"rendered":"Depozitat n\u00eb r\u00ebnie p\u00ebr t\u00eb dytin vit radhazi, individ\u00ebt t\u00ebrheqin 320 milion\u00eb euro; de-euroizimi nuk dha efekt"},"content":{"rendered":"<p>N\u00eb fund t\u00eb vitit 2018, bizneset, individ\u00ebt, institucionet shtet\u00ebrore e t\u00eb tjera kishin gjithsej n\u00eb banka 989 miliard\u00eb lek\u00eb, ose gati 7.8 miliard\u00eb euro.<\/p>\n<p>Sipas t\u00eb dh\u00ebnave t\u00eb publikuara nga Banka e Shqip\u00ebris\u00eb, n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, depozitat n\u00eb banka ran\u00eb me 13 miliard\u00eb lek\u00eb, ose 1.3%. Tkurrja e depozitave ka ardhur t\u00ebr\u00ebsisht nga rezuktimi i kursimeve n\u00eb lek\u00eb, t\u00eb cilat ran\u00eb n\u00eb total me 3.7%, nd\u00ebrsa n\u00eb valut\u00eb u rrit\u00ebn me rreth 1% (duke pasur parasysh efektin e zhvler\u00ebsimit t\u00eb euros, rritja reale ka qen\u00eb m\u00eb e lart\u00eb).<\/p>\n<p>Kjo sjellje ishte n\u00eb t\u00eb kund\u00ebrt t\u00eb asaj q\u00eb shpresonte Banka e Shqip\u00ebris\u00eb, e cila n\u00eb shkurt t\u00eb 2018-s nisi nj\u00eb fushat\u00eb p\u00ebr deeuroizimin e ekonomis\u00eb, q\u00eb synonte uljen e p\u00ebrdorimit t\u00eb euros si n\u00eb kahun e kredis\u00eb ashtu dhe t\u00eb depozitave. Nd\u00ebrsa n\u00eb kahun e kredis\u00eb funksionoi dhe pesha e huas\u00eb n\u00eb valut\u00eb u ul me 0.7 pik\u00eb p\u00ebrqindje, nuk ndodhi e nj\u00ebjta gj\u00eb me kahun e kursimeve. N\u00eb fund t\u00eb 2018-s, kursimet n\u00eb monedh\u00eb t\u00eb huaj arrit\u00ebn n\u00eb 53.9% t\u00eb totalit, duke sh\u00ebnuar nivelin m\u00eb t\u00eb lart\u00eb historik.<\/p>\n<p>Efektin kryesor n\u00eb rritjen e valut\u00ebs n\u00eb banka e kan\u00eb dh\u00ebn\u00eb depozitat pa afat t\u00eb bizneseve, q\u00eb u rrit\u00ebn me rreth 120 milion\u00eb euro, ose 22.4%.<\/p>\n<p>N\u00eb t\u00eb kund\u00ebr, individ\u00ebt kan\u00eb vijuar t\u00eb mos ken\u00eb interes p\u00ebr bankat, pas uljes s\u00eb vazhdueshme t\u00eb normave t\u00eb interesit, q\u00eb aktualisht jan\u00eb n\u00ebn 1% p\u00ebr kursimet 12 mujore n\u00eb lek\u00eb dhe af\u00ebr zeros p\u00ebr valut\u00ebn. N\u00eb total, individ\u00ebt rezultojn\u00eb t\u00eb ken\u00eb ulur depozitat me afat n\u00eb lek\u00eb dhe valut\u00eb me 41 miliard\u00eb lek\u00eb (-22 mld n\u00eb lek\u00eb dhe 19.2 mld n\u00eb valut\u00eb), ose rreth 320 milion\u00eb euro.<\/p>\n<p>Nd\u00ebrsa nj\u00eb pjes\u00eb t\u00eb kursimeve n\u00eb valut\u00eb, individ\u00ebt i kan\u00eb kaluar n\u00eb llogari pa afat, po n\u00eb valut\u00eb, kjo nuk ka ndodhur p\u00ebr lekun. N\u00eb munges\u00eb t\u00eb alternativave t\u00eb investimit, kursimtar\u00ebt kan\u00eb preferuar depozitat m\u00eb afatgjata, letrat me vler\u00eb t\u00eb qeveris\u00eb, ose kan\u00eb investuar n\u00eb blerjen e pasurive t\u00eb paluajtshme.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-213366 \" src=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12.png\" sizes=\"(max-width: 651px) 100vw, 651px\" srcset=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12.png 688w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12-300x145.png 300w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12-185x90.png 185w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12-110x53.png 110w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12-450x218.png 450w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-12-100x48.png 100w\" alt=\"\" width=\"651\" height=\"315\" data-lazy-loaded=\"true\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-213365 \" src=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11.png\" sizes=\"(max-width: 655px) 100vw, 655px\" srcset=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11.png 676w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11-300x130.png 300w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11-185x80.png 185w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11-110x48.png 110w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11-450x195.png 450w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-11-100x43.png 100w\" alt=\"\" width=\"655\" height=\"284\" data-lazy-loaded=\"true\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-213364 size-full\" src=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10.png\" sizes=\"(max-width: 649px) 100vw, 649px\" srcset=\"http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10.png 649w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10-300x150.png 300w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10-185x92.png 185w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10-110x55.png 110w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10-450x225.png 450w, http:\/\/www.monitor.al\/images\/2019\/02\/Capture-10-100x50.png 100w\" alt=\"\" width=\"649\" height=\"324\" data-lazy-loaded=\"true\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u00eb fund t\u00eb vitit 2018, bizneset, individ\u00ebt, institucionet shtet\u00ebrore e t\u00eb tjera kishin gjithsej n\u00eb banka 989 miliard\u00eb lek\u00eb, ose gati 7.8 miliard\u00eb euro. Sipas t\u00eb dh\u00ebnave t\u00eb publikuara nga Banka e Shqip\u00ebris\u00eb, n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, depozitat n\u00eb banka ran\u00eb me 13 miliard\u00eb lek\u00eb, ose 1.3%. Tkurrja e depozitave ka ardhur [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[8],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Depozitat n\u00eb r\u00ebnie p\u00ebr t\u00eb dytin vit radhazi, individ\u00ebt t\u00ebrheqin 320 milion\u00eb euro; de-euroizimi nuk dha efekt - Informohu qart\u00ebsisht!<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redaktori.com\/?p=182\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Depozitat n\u00eb r\u00ebnie p\u00ebr t\u00eb dytin vit radhazi, individ\u00ebt t\u00ebrheqin 320 milion\u00eb euro; de-euroizimi nuk dha efekt - Informohu qart\u00ebsisht!\" \/>\n<meta property=\"og:description\" content=\"N\u00eb fund t\u00eb vitit 2018, bizneset, individ\u00ebt, institucionet shtet\u00ebrore e t\u00eb tjera kishin gjithsej n\u00eb banka 989 miliard\u00eb lek\u00eb, ose gati 7.8 miliard\u00eb euro. Sipas t\u00eb dh\u00ebnave t\u00eb publikuara nga Banka e Shqip\u00ebris\u00eb, n\u00eb krahasim me nj\u00eb vit m\u00eb par\u00eb, depozitat n\u00eb banka ran\u00eb me 13 miliard\u00eb lek\u00eb, ose 1.3%. 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