{"id":18252,"date":"2019-10-15T07:40:45","date_gmt":"2019-10-15T05:40:45","guid":{"rendered":"http:\/\/redaktori.com\/?p=18252"},"modified":"2019-10-15T07:40:45","modified_gmt":"2019-10-15T05:40:45","slug":"varferia-anketa-e-bsh-19-e-familjeve-borxhlie-ushqehen-me-lista-nuk-paguajne-dot-mallrat-qe-blejne","status":"publish","type":"post","link":"https:\/\/redaktori.com\/?p=18252","title":{"rendered":"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb"},"content":{"rendered":"

Struktura e borxhit t\u00eb familjeve shqiptare \u00ebsht\u00eb shum\u00eb e ndryshme, q\u00eb nga kredia bankare deri tek tregjet informale, overdrafti dhe t\u00eb ashtuquajturat lista n\u00eb dyqane, ku familjet konsumojn\u00eb mallra pa mundur t\u2019i paguajn\u00eb n\u00eb koh\u00eb.<\/p>\n

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Nj\u00eb anket\u00eb e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tek 2010 familje t\u00eb shtrira n\u00eb t\u00eb gjith\u00eb vendin ka evidentuar se 24 p\u00ebr qind e familjeve kan\u00eb nj\u00eb ose m\u00eb shum\u00eb se hua p\u00ebr shlyer. Nd\u00ebrsa 19 p\u00ebr qind e familjeve borxhlie kan\u00eb deklaruar se borxhin e kan\u00eb ndaj nj\u00ebsive t\u00eb shitjes m\u00eb pakic\u00eb, teksa kan\u00eb konsumuar mallra dhe nuk kan\u00eb mundur t\u00eb b\u00ebjn\u00eb shlyerjen e tyre n\u00eb koh\u00eb. Nj\u00ebsit\u00eb e pakic\u00ebs, sidomos ato q\u00eb tregtojn\u00eb produktet e shport\u00ebs disponojn\u00eb fletoren e list\u00ebs ku sh\u00ebnojn\u00eb familjet q\u00eb marrin produkte kundrejt pagesave t\u00eb m\u00ebvonshme.<\/p>\n

Banka e Shqip\u00ebris\u00eb vler\u00ebson se n\u00eb familjet huamarr\u00ebse, pesh\u00eb t\u00eb konsiderueshme vijon t\u00eb ket\u00eb z\u00ebri \u2018mall i papaguar\u2019 (19% e rasteve t\u00eb huamarrjes), por n\u00eb r\u00ebnie graduale gjat\u00eb tre periudhave t\u00eb fundit.
\nN\u00eb totalin e familjeve borxhlie n\u00eb rreth 37% t\u00eb rasteve t\u00eb raportuara, huamarrja e familjeve rezulton n\u00eb form\u00ebn e \u2018kredis\u00eb nga institucione financiare\u2019, ku 32% e rasteve jan\u00eb n\u00eb trajt\u00eb \u2018kredie\u2019 dhe 5% jan\u00eb n\u00eb trajt\u00eb \u2018kartash krediti dhe overdraft\u2019. Kjo pesh\u00eb ka sh\u00ebnuar rritje me rreth 7 pik\u00eb p\u00ebrqindje krahasuar me 6-mujorin e kaluar dhe ka mbetur pothuaj e pandryshuar krahasuar me nj\u00eb vit m\u00eb par\u00eb.
\nN\u00eb rreth 43% t\u00eb rasteve, huamarrja deklarohet n\u00eb form\u00ebn e \u2018paras\u00eb n\u00eb dor\u00eb\u2019, duke sh\u00ebnuar nj\u00eb r\u00ebnie t\u00eb leht\u00eb me 1 pik\u00eb p\u00ebrqindje krahasuar me 6-mujorin e kaluar. Pesh\u00eb t\u00eb konsiderueshme vijon t\u00eb ket\u00eb z\u00ebri \u2018mall i papaguar\u2019 (19% e rasteve t\u00eb huamarrjes), por n\u00eb r\u00ebnie graduale gjat\u00eb tre periudhave t\u00eb fundit
\nDuke e analizuar tepric\u00ebn e deklaruar sipas burimit, rezulton se rreth 70% e saj vjen nga burime formale (banka dhe institucione financiare jobankare) dhe rreth 30% nga burime joformale ( si persona fizik\u00eb, hua n\u00eb form\u00eb malli etj.)<\/p>\n

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Kjo struktur\u00eb ka mbetur e pandryshuar krahasuar me 6-mujorin e kaluar, por n\u00eb terma vjetor\u00eb \u00ebsht\u00eb zhvendosur n\u00eb favor t\u00eb huas\u00eb joformale, duke reflektuar r\u00ebnien e tepric\u00ebs s\u00eb huas\u00eb nga \u2018bankat\u2019 dhe \u2018institucionet financiare jobankare\u2019. Duke e analizuar tepric\u00ebn e huamarrjes sipas q\u00ebllimit t\u00eb p\u00ebrdorimit t\u00eb saj rezulton se rreth 37% e saj \u00ebsht\u00eb p\u00ebrdorur p\u00ebr \u2018blerjen\/riparimin e nj\u00eb prone\u2019, 31% p\u00ebr \u2018zhvillimin e nj\u00eb biznesi\u2019 dhe 13% \u00ebsht\u00eb p\u00ebrdorur me q\u00ebllim \u2018konsumi\u2019.<\/p>\n

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\/Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"

Struktura e borxhit t\u00eb familjeve shqiptare \u00ebsht\u00eb shum\u00eb e ndryshme, q\u00eb nga kredia bankare deri tek tregjet informale, overdrafti dhe t\u00eb ashtuquajturat lista n\u00eb dyqane, ku familjet konsumojn\u00eb mallra pa mundur t\u2019i paguajn\u00eb n\u00eb koh\u00eb. Nj\u00eb anket\u00eb e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tek 2010 familje t\u00eb shtrira n\u00eb t\u00eb gjith\u00eb vendin ka evidentuar se 24 p\u00ebr […]<\/p>\n","protected":false},"author":1,"featured_media":9752,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[6,8,3,21],"tags":[],"yoast_head":"\nVarf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb - 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=18252\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb - Informohu qart\u00ebsisht!\" \/>\n<meta property=\"og:description\" content=\"Struktura e borxhit t\u00eb familjeve shqiptare \u00ebsht\u00eb shum\u00eb e ndryshme, q\u00eb nga kredia bankare deri tek tregjet informale, overdrafti dhe t\u00eb ashtuquajturat lista n\u00eb dyqane, ku familjet konsumojn\u00eb mallra pa mundur t\u2019i paguajn\u00eb n\u00eb koh\u00eb. Nj\u00eb anket\u00eb e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tek 2010 familje t\u00eb shtrira n\u00eb t\u00eb gjith\u00eb vendin ka evidentuar se 24 p\u00ebr […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/redaktori.com\/?p=18252\" \/>\n<meta property=\"og:site_name\" content=\"Informohu qart\u00ebsisht!\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-15T05:40:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/redaktori.com\/wp-content\/uploads\/2019\/04\/Varferia.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"466\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"http:\/\/redaktori.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"http:\/\/redaktori.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuta\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/redaktori.com\/?p=18252\",\"url\":\"https:\/\/redaktori.com\/?p=18252\",\"name\":\"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb - Informohu qart\u00ebsisht!\",\"isPartOf\":{\"@id\":\"https:\/\/redaktori.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/redaktori.com\/?p=18252#primaryimage\"},\"image\":{\"@id\":\"https:\/\/redaktori.com\/?p=18252#primaryimage\"},\"thumbnailUrl\":\"https:\/\/redaktori.com\/wp-content\/uploads\/2019\/04\/Varferia.jpg\",\"datePublished\":\"2019-10-15T05:40:45+00:00\",\"dateModified\":\"2019-10-15T05:40:45+00:00\",\"author\":{\"@id\":\"https:\/\/redaktori.com\/#\/schema\/person\/470e9b98b348cb5da953e2daff276aa2\"},\"breadcrumb\":{\"@id\":\"https:\/\/redaktori.com\/?p=18252#breadcrumb\"},\"inLanguage\":\"sq\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/redaktori.com\/?p=18252\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"sq\",\"@id\":\"https:\/\/redaktori.com\/?p=18252#primaryimage\",\"url\":\"https:\/\/redaktori.com\/wp-content\/uploads\/2019\/04\/Varferia.jpg\",\"contentUrl\":\"https:\/\/redaktori.com\/wp-content\/uploads\/2019\/04\/Varferia.jpg\",\"width\":800,\"height\":466},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/redaktori.com\/?p=18252#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/redaktori.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/redaktori.com\/#website\",\"url\":\"https:\/\/redaktori.com\/\",\"name\":\"http:\/\/redaktori.com - Informohu qart\u00ebsisht!\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/redaktori.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sq\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/redaktori.com\/#\/schema\/person\/470e9b98b348cb5da953e2daff276aa2\",\"name\":\"http:\/\/redaktori.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sq\",\"@id\":\"https:\/\/redaktori.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5555287f41529e19277415e6cb9cfb4c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5555287f41529e19277415e6cb9cfb4c?s=96&d=mm&r=g\",\"caption\":\"http:\/\/redaktori.com\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb - Informohu qart\u00ebsisht!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/redaktori.com\/?p=18252","og_locale":"sq_AL","og_type":"article","og_title":"Varf\u00ebria\/Anketa e BSH: 19 % e familjeve borxhlie ushqehen me lista, nuk paguajn\u00eb dot mallrat q\u00eb blejn\u00eb - Informohu qart\u00ebsisht!","og_description":"Struktura e borxhit t\u00eb familjeve shqiptare \u00ebsht\u00eb shum\u00eb e ndryshme, q\u00eb nga kredia bankare deri tek tregjet informale, overdrafti dhe t\u00eb ashtuquajturat lista n\u00eb dyqane, ku familjet konsumojn\u00eb mallra pa mundur t\u2019i paguajn\u00eb n\u00eb koh\u00eb. 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