{"id":824,"date":"2026-04-20T14:17:54","date_gmt":"2026-04-20T12:17:54","guid":{"rendered":"https:\/\/infoshqip.al\/?p=824"},"modified":"2026-04-20T14:17:54","modified_gmt":"2026-04-20T12:17:54","slug":"kriteret-e-kreditimit-nuk-ndryshojne-bankat-mbeshtesin-bizneset-kerkese-e-larte-per-hua","status":"publish","type":"post","link":"https:\/\/infoshqip.al\/?p=824","title":{"rendered":"Kriteret e kreditimit nuk ndryshojn\u00eb\/ Bankat mb\u00ebshtesin bizneset, k\u00ebrkes\u00eb e lart\u00eb p\u00ebr hua"},"content":{"rendered":"<div>\n<p>Lindjen e mesme ka shtuar pasigurit\u00eb.N\u00eb nj\u00eb vrojtim t\u00eb aktivitetit kreditues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb theksohet se bankat\u00a0\u00a0 nuk ndryshuan politikat e kreditimit p\u00ebr bizneset n\u00eb tremujorin e par\u00eb t\u00eb vitit 2026. Standardet, kushtet dhe\u00a0 termat e\u00a0 kreditimit u cil\u00ebsuan\u00a0 t\u00eb ngjashme me\u00a0 nj\u00eb tremujor\u00a0 m\u00eb par\u00eb.<\/p>\n<p>N\u00eb t\u00eb\u00a0 nj\u00ebjt\u00ebn koh\u00eb,bankat\u00a0 aprovuan\u00a0 nj\u00eb\u00a0 num\u00ebr t\u00eb nj\u00ebjt\u00eb kredish n\u00eb raport me aplikimet p\u00ebr kredi, n\u00eb\u00a0 krahasim me tremujorin e m\u00ebparsh\u00ebm. Konkurrenca n\u00eb sistem bankar. Por pavar\u00ebsisht k\u00ebsaj bankat vijojn\u00eb\u00a0 t\u00eb\u00a0 jen\u00ebt\u00eb kujdesshme \u00a0\u00a0n\u00eb\u00a0 vler\u00ebsimin\u00a0 e\u00a0 rrezikut\u00a0 t\u00eb\u00a0 kredive\u00a0 dhe t\u00eb shprehin toleranc\u00eb t\u00eb ul\u00ebt kundrejt tij. Po ashtu edhe k\u00ebrkesa e biznesve u raportua m\u00eb e lart\u00eb, e mb\u00ebshtetur vet\u00ebm nga segmenti i biznesit t\u00eb madh.<\/p>\n<p>Nd\u00ebrkoh\u00eb q\u00eb bankat kan\u00eb\u00a0 leht\u00ebsuar kriteret p\u00ebr dh\u00ebnien e huave p\u00ebr konsum \u00a0p\u00ebr individ\u00ebt nd\u00ebrsa kan\u00eb l\u00ebn\u00eb t\u00eb pandryshuara ato p\u00ebr banesa. N\u00eb\u00a0 tremujorin\u00a0 e\u00a0 dyt\u00eb\u00a0 t\u00eb\u00a0 vitit 2026,\u00a0 bankat\u00a0 presin\u00a0 t\u00eb\u00a0 ndjekin\u00a0 politika\u00a0 m\u00eb\u00a0 t\u00eb\u00a0 leht\u00ebsuara\u00a0 kreditimi\u00a0 n\u00eb segmentin e biznesit t\u00eb vog\u00ebl e t\u00eb mes\u00ebm, n\u00eb kredit\u00eb l\u00ebvruar me q\u00ebllim financimin e investimeve dhe ato p\u00ebr mbulimin e nevojave afatshkurtra p\u00ebr likuiditet. Politikat e kreditimit priten t\u00eb jen\u00eb leht\u00ebsuese p\u00ebr individ\u00ebt, si n\u00eb kredit\u00eb konsumatore ashtu edhe ato n\u00eb blerjen e banesave.<\/p>\n<p>Por pavar\u00ebsisht k\u00ebsaj tensionet\u00a0 gjeopolitike n\u00eb Lindjen e mesme kan\u00eb rritur ndjesh\u00ebm rreziqet inflacioniste p\u00ebr vitin 2026. Kjo mund t\u00eb shoq\u00ebrohet me rritje t\u00eb normave t\u00eb interesit dhe si pasoj\u00eb edhe frenim t\u00eb kreditimit nga bankat dhe \u00a0ulje t\u00eb aft\u00ebsis\u00eb paguese t\u00eb huamarr\u00ebsve. Por gjith\u00e7ka varet nga koh\u00ebzgjatja e konfliktit n\u00eb Lindjen e Mesme e cila tashm\u00eb \u00a0ka dh\u00ebn\u00eb impakt n\u00eb rritje t\u00eb \u00e7mimeve.<\/p>\n<p>Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs Qendore n\u00eb shkurt ekonomia shqiptare ka p\u00ebrfituar\u00a0 mbi 30 miliard lek\u00eb kredi shum\u00eb \u00a0kjo m\u00eb e madhja e regjistruar nd\u00ebr vite p\u00ebr k\u00ebt\u00eb periudh\u00eb.\/<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lindjen e mesme ka shtuar pasigurit\u00eb.N\u00eb nj\u00eb vrojtim t\u00eb aktivitetit kreditues t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb theksohet se bankat\u00a0\u00a0 nuk ndryshuan politikat e kreditimit p\u00ebr bizneset n\u00eb tremujorin e par\u00eb t\u00eb vitit 2026. Standardet, kushtet dhe\u00a0 termat e\u00a0 kreditimit u cil\u00ebsuan\u00a0 t\u00eb ngjashme me\u00a0 nj\u00eb tremujor\u00a0 m\u00eb par\u00eb. N\u00eb t\u00eb\u00a0 nj\u00ebjt\u00ebn koh\u00eb,bankat\u00a0 aprovuan\u00a0 nj\u00eb\u00a0 num\u00ebr t\u00eb [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-824","post","type-post","status-publish","format-standard","hentry","category-lajme"],"_links":{"self":[{"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/posts\/824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/infoshqip.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=824"}],"version-history":[{"count":1,"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/posts\/824\/revisions"}],"predecessor-version":[{"id":825,"href":"https:\/\/infoshqip.al\/index.php?rest_route=\/wp\/v2\/posts\/824\/revisions\/825"}],"wp:attachment":[{"href":"https:\/\/infoshqip.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infoshqip.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infoshqip.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}