Pavar\u00ebsisht se shumica e qytetar\u00ebve i ky\u00e7in kursimet e tyre n\u00eb bank\u00eb p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb, duket se s\u00eb fundmi po shtohen edhe ata q\u00eb i fusin parat\u00eb n\u00eb depozita 1 mujore.<\/p>\n
Asgj\u00eb nuk i rr\u00ebzon nga froni depozitat me afat mbi 2 vjet, t\u00eb cilat vijojn\u00eb t\u00eb jen\u00eb m\u00eb t\u00eb p\u00eblqyerat nga qytetar\u00ebt, por q\u00eb nuk po rriten me t\u00eb nj\u00ebjtin rit\u00ebm si m\u00eb par\u00eb. T\u00eb dh\u00ebnat m\u00eb t\u00eb fundit nga Banka e Shqip\u00ebris\u00eb tregojn\u00eb nj\u00eb rritje me vet\u00ebm 0.1% t\u00eb shum\u00ebs s\u00eb depozitave me k\u00ebt\u00eb afat.<\/p>\n
Sa m\u00eb e madhe t\u00eb jet\u00eb koha e investimit dhe e shum\u00ebs n\u00eb depozita, aq m\u00eb e lart\u00eb do t\u00eb jet\u00eb norma e interesit, e p\u00ebr rrjedhoj\u00eb aq m\u00eb i lart\u00eb do t\u00eb jet\u00eb edhe fitimi pas p\u00ebrfundimit t\u00eb afatit. Gjithashtu, ato ofrojn\u00eb m\u00eb tep\u00ebr q\u00ebndrueshm\u00ebri, pasi nuk k\u00ebrkojn\u00eb rrinvestime t\u00eb shpeshta. P\u00ebr k\u00ebt\u00eb arsye, vlera e depozitave me afat dyvje\u00e7ar rezulton t\u00eb jet\u00eb 166 miliard\u00eb lek\u00eb, m\u00eb e larta n\u00eb krahasim me llojet e tjera t\u00eb depozitave. <\/p>\n
Edhe pse me depozitat afatshkurtra ndodh e kund\u00ebrta, pra normat e interesit jan\u00eb m\u00eb t\u00eb ul\u00ebta, nuk jan\u00eb aq t\u00eb ngurta sa ato afatgjata dhe kushtojn\u00eb m\u00eb tep\u00ebr koh\u00eb p\u00ebr t\u2019i l\u00ebvizur e riinvestuar, ato po shohin m\u00eb tep\u00ebr rritje. Sipas statistikave zyrtare, depozitat me afat 1 muaj sh\u00ebnuan nj\u00eb rritje rekord prej 7% n\u00eb muajin gusht, duke kapur k\u00ebshtu p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb vler\u00eb prej 1.9 miliard\u00eb lek\u00ebsh.<\/p>\n
Ky ndryshim n\u00eb sjelljen e qytetar\u00ebve mund t\u00eb vij\u00eb p\u00ebr arsye se ata k\u00ebrkojn\u00eb kthime m\u00eb t\u00eb shpejta nga investimi i parave n\u00eb depozita, edhe pse ato afatshkurtra nuk i ofrojn\u00eb t\u00eb nj\u00ebjtin komoditet e fitim si kursimet e ruajtura p\u00ebr nj\u00eb koh\u00eb m\u00eb t\u00eb gjat\u00eb.<\/p>\n
Depozitat vazhdojn\u00eb t\u00eb jen\u00eb forma kryesore e investimit t\u00eb parave t\u00eb shqiptar\u00ebve, megjith\u00ebse aktualisht ekzistojn\u00eb edhe plot m\u00ebnyra t\u00eb tjera investimi, si\u00e7 mund t\u00eb jen\u00eb ato n\u00eb tituj qeveritar\u00eb, kriptomonedha dhe t\u00eb tjera.<\/p>\n
Por sa pesh\u00eb z\u00ebn\u00eb ato n\u00eb sistemin bankar dhe si \u00ebsht\u00eb raporti me kredit\u00eb?<\/p>\n
Burimi kryesor i financimit t\u00eb aktivitetit kreditues t\u00eb bankave mbeten depozitat, q\u00eb mbulojn\u00eb rreth dy her\u00eb v\u00ebllimin e kredive t\u00eb sektorit. N\u00eb fund t\u00eb gjysm\u00ebs s\u00eb par\u00eb t\u00eb vitit, raporti \u201chua\/depozita\u201d ishte 51.6% ose rreth 2 pik\u00eb p\u00ebrqindjeje m\u00eb i lart\u00eb nga vlera e gjasht\u00eb muajve m\u00eb par\u00eb.<\/p>\n
The post Si i ruajn\u00eb parat\u00eb shqiptar\u00ebt n\u00eb bank\u00eb?<\/a> appeared first on www.lexo.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Pavar\u00ebsisht se shumica e qytetar\u00ebve i ky\u00e7in kursimet e tyre n\u00eb bank\u00eb p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb, duket se s\u00eb fundmi po shtohen edhe ata q\u00eb i fusin parat\u00eb n\u00eb depozita 1 mujore. Asgj\u00eb nuk i rr\u00ebzon nga froni depozitat me afat mbi 2 vjet, t\u00eb cilat vijojn\u00eb t\u00eb jen\u00eb m\u00eb t\u00eb p\u00eblqyerat nga qytetar\u00ebt, […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-43711","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/43711","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=43711"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/43711\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=43711"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=43711"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=43711"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}