I gjendur p\u00ebrball\u00eb nj\u00eb krize t\u00eb thell\u00eb financiare n\u00eb biznesin e tij dikur t\u00eb madh, dhe pasi nj\u00eb bank\u00eb komerciale ia refuzoi k\u00ebrkes\u00ebn p\u00ebr kredi, nj\u00eb qytetar nga Rrafshi i Kosov\u00ebs k\u00ebrkoi shp\u00ebtimin te fajdexhinjt\u00eb.<\/p>\n
Fillimisht mori vet\u00ebm 2.000 euro \u2013 nj\u00eb shum\u00eb q\u00eb dukej e vog\u00ebl p\u00ebr ta mbajtur gjall\u00eb biznesin \u2013 por, m\u00eb pas, edhe 150 mij\u00eb euro t\u00eb tjera. \u00c7do hua t\u00eb re e merrte p\u00ebr ta paguar t\u00eb vjetr\u00ebn, dhe borxhi vet\u00ebm sa rritej.<\/p>\n
\u201cP\u00ebr gati pes\u00eb vjet kam paguar mbi 500 mij\u00eb euro me fajde, p\u00ebr 20 persona t\u00eb ndrysh\u00ebm\u201d, thot\u00eb Izeti [em\u00ebr i vendosur nga redaksia], 60-vje\u00e7ar. P\u00ebrve\u00e7 shum\u00ebs s\u00eb paguar, ai humbi biznesin, objektin ku vepronte, dhe pasuri t\u00eb tjera, q\u00eb kapin vler\u00ebn e 1 milion eurove.<\/p>\n
Sht\u00ebpin\u00eb \u2013 pasurin\u00eb e vetme t\u00eb patundshme q\u00eb i ka mbetur \u2013 e ka l\u00ebn\u00eb hipotek\u00eb n\u00eb nj\u00eb bank\u00eb, p\u00ebr t\u00eb marr\u00eb kredi me t\u00eb cil\u00ebn pagoi fajdet\u00eb.<\/p>\n
N\u00eb qytetin e tij t\u00eb vog\u00ebl, thot\u00eb ai, \u00ebsht\u00eb shum\u00eb e thjesht\u00eb t\u00eb marr\u00ebsh para me fajde, sepse fajdexhinjt\u00eb jan\u00eb t\u00eb shumt\u00eb dhe t\u00eb njohur nga t\u00eb gjith\u00eb. Por, sipas tij, fajdet\u00eb jan\u00eb \u201cvdekje p\u00ebr s\u00eb gjalli\u201d. Forc\u00ebn p\u00ebr ta kap\u00ebrcyer situat\u00ebn e ka gjetur vet\u00ebm te f\u00ebmij\u00ebt.<\/p>\n
\u201cBuk\u00eb e krip\u00eb hani, e mos merrni para me fajde\u201d, thot\u00eb Izeti, i cili u p\u00ebrball p\u00ebr gati nj\u00eb dekad\u00eb me borxhet ilegale.<\/p>\n
Huamarrja ilegale, problem serioz n\u00eb Kosov\u00eb
\nRasti i Izetit nuk \u00ebsht\u00eb i izoluar. N\u00eb Kosov\u00eb shpesh raportohen aktakuza kund\u00ebr personave t\u00eb dyshuar p\u00ebr fajde, nd\u00ebrsa p\u00ebrmenden miliona euro d\u00ebme.<\/p>\n
Vet\u00ebm n\u00eb tetor t\u00eb k\u00ebtij viti, autoritetet ngrit\u00ebn aktakuza n\u00eb dy raste t\u00eb ndara, ku tet\u00eb persona dyshohet t\u00eb ken\u00eb shkaktuar d\u00ebme deri n\u00eb 8 milion\u00eb euro. Prokuroria k\u00ebrkoi konfiskimin dhe kthimin e 21 banesave dhe lokaleve afariste, q\u00eb t\u00eb d\u00ebmtuarit ua kishin dh\u00ebn\u00eb fajdexhinjve, pasi nuk mund t\u2019i kthenin borxhet.<\/p>\n
Avokatja Xhevahire Miftari Kloppner thot\u00eb se shum\u00eb qytetar\u00eb bien pre e fajdeve, p\u00ebr shkak t\u00eb munges\u00ebs s\u00eb qasjes s\u00eb shpejt\u00eb n\u00eb kredi formale \u2013 sidomos ata me t\u00eb ardhura t\u00eb ul\u00ebta ose pa pasuri p\u00ebr hipotek\u00eb. Sipas saj, n\u00eb disa raste qytetar\u00ebt mendojn\u00eb se po marrin nj\u00eb borxh t\u00eb zakonsh\u00ebm, por m\u00eb pas p\u00ebrballen me norma interesi q\u00eb shkojn\u00eb deri n\u00eb 20 p\u00ebr qind n\u00eb muaj.Shpesh, viktimat jan\u00eb afarist\u00eb q\u00eb k\u00ebrkojn\u00eb t\u00eb zgjerojn\u00eb biznesin, por n\u00eb pamund\u00ebsi t\u00eb shlyerjes s\u00eb borxhit, detyrohen ta mbyllin dhe t\u2019i humbin pronat. Me rritjen e borxhit, fajdexhinjt\u00eb shpesh ushtrojn\u00eb presion, k\u00ebrc\u00ebnime dhe marrje t\u00eb pasuris\u00eb me forc\u00eb. Disa persona, madje, jan\u00eb detyruar ta braktisin Kosov\u00ebn.<\/p>\n
T\u00eb dh\u00ebnat e Policis\u00eb se Kosov\u00ebs tregojn\u00eb se gjat\u00eb periudh\u00ebn janar-shtator 2025 jan\u00eb hapur 13 raste p\u00ebr fajde. Vitin e kaluar, ky num\u00ebr ishte 23, kurse m\u00eb 2023 autoritetet kishin hapur 24 raste.<\/p>\n
Gjat\u00eb viteve 2021-2023, Policia ka shkat\u00ebrruar 106 grupe kriminale, prej t\u00eb cilave n\u00ebnt\u00eb merreshin me fajde. Nga 740 t\u00eb dyshuar p\u00ebr krim t\u00eb organizuar, 78 ishin t\u00eb p\u00ebrfshir\u00eb n\u00eb k\u00ebt\u00eb veprimtari \u2013 shumica n\u00eb rajonin e Prishtin\u00ebs dhe t\u00eb Pej\u00ebs.<\/p>\n
Sipas Miftari Kloppnerit, numri i rasteve reale \u00ebsht\u00eb shum\u00eb m\u00eb i lart\u00eb, sepse shum\u00eb t\u00eb d\u00ebmtuar kan\u00eb frik\u00eb t\u2019i raportojn\u00eb. Por, monitorimi i Institutit t\u00eb Kosov\u00ebs p\u00ebr Drejt\u00ebsi (IKD) tregon se gjat\u00eb 2025-t\u00ebs ka pasur rritje t\u00eb rasteve t\u00eb paraqitura nga qytetar\u00ebt, fal\u00eb bashk\u00ebpunimit m\u00eb t\u00eb ngusht\u00eb mes prokurorive dhe p\u00ebrdorimit t\u00eb masave t\u00eb fshehta t\u00eb hetimit.<\/p>\n
Flamur Kabashi, hulumtues n\u00eb IKD, thot\u00eb se nj\u00eb sfid\u00eb e madhe mbetet fakti q\u00eb shum\u00eb t\u00eb d\u00ebmtuar nuk u q\u00ebndrojn\u00eb deklaratave t\u00eb dh\u00ebna n\u00eb prokurori, pasi p\u00ebrballen me presion. Sipas tij, gjykatat shpesh nuk b\u00ebjn\u00eb ballafaqimin e deklaratave, gj\u00eb q\u00eb e dob\u00ebson procesin.<\/p>\n
IKD vler\u00ebson se Prokuroria Themelore n\u00eb Prizren ka sh\u00ebnuar progresin m\u00eb t\u00eb madh n\u00eb hetimin e rasteve t\u00eb fajdeve, dhe se ky model duhet t\u00eb ndiqet nga t\u00eb gjitha prokurorit\u00eb e vendit.Sipas Kodit Penal t\u00eb Kosov\u00ebs, fajdexhinjt\u00eb d\u00ebnohen me gjob\u00eb dhe me burgim nga 6 muaj deri n\u00eb 12 vjet, var\u00ebsisht nga shkalla e d\u00ebmit. Megjithat\u00eb, sipas t\u00eb dh\u00ebnave t\u00eb ofruara m\u00eb her\u00ebt nga ish-ministrja e Drejt\u00ebsis\u00eb, Albulena Haxhiu, n\u00eb gusht t\u00eb k\u00ebtij viti, nga 1.752 persona t\u00eb burgosur, vet\u00ebm kat\u00ebr ishin t\u00eb d\u00ebnuar p\u00ebr fajde dhe tet\u00eb mbaheshin n\u00eb paraburgim.<\/p>\n
\u201cK\u00ebto nuk jan\u00eb thjesht vepra t\u00eb izoluara, jan\u00eb pjes\u00eb e nj\u00eb zinxhiri kriminal, q\u00eb godet m\u00eb t\u00eb pambrojturit dhe kontribuon n\u00eb nj\u00eb ndjenj\u00eb t\u00eb thell\u00eb padrejt\u00ebsie n\u00eb shoq\u00ebri\u201d, kishte deklaruar Haxhiu.<\/p>\n
Sh\u00ebrbimi Korrektues i Kosov\u00ebs nuk iu p\u00ebrgjigj interesimit t\u00eb REL-it se sa \u00ebsht\u00eb numri i t\u00eb burgosurve aktualisht p\u00ebr vepr\u00ebn penale \u201cfajde\u201d.Plag\u00eb q\u00eb d\u00ebmton ekonomin\u00eb
\nEkspert\u00ebt thon\u00eb se d\u00ebnimet p\u00ebr fajde duhet t\u00eb ashp\u00ebrsohen, p\u00ebr t\u00eb krijuar penges\u00eb reale ndaj huadh\u00ebn\u00ebsve ilegal\u00eb.<\/p>\n
Shkumbin Misini, profesor i Ekonomis\u00eb n\u00eb kolegjin AAB, thekson se bizneset q\u00eb p\u00ebrballen me munges\u00eb kapitali ose v\u00ebshtir\u00ebsi p\u00ebr marrjen e kredive formale shpesh bien pre e fajdeve. Normat e larta t\u00eb interesit \u2013 20 p\u00ebr qind mujore dhe deri n\u00eb 200 p\u00ebr qind vjetore \u2013 jan\u00eb, sipas tij, shkat\u00ebrrimtare.<\/p>\n
\u201cAsnj\u00eb biznes nuk mund t\u2019i p\u00ebrballoj\u00eb k\u00ebto norma. Dhe, p\u00ebr t\u00eb kthyer borxhin e fajdeve, bizneset punojn\u00eb, por me humbje, dhe falimentojn\u00eb, nd\u00ebrsa fajdexhinjt\u00eb marrin pronat, makinerit\u00eb, aksionet e kompanis\u00eb\u201d, thot\u00eb ai.Sipas tij, pasojat jan\u00eb afatgjate p\u00ebr ekonomin\u00eb: ulin investimet formale, rrisin qarkullimin e parave jasht\u00eb sistemit bankar, pak\u00ebsojn\u00eb tatimet dhe d\u00ebmtojn\u00eb stabilitetin financiar t\u00eb vendit.<\/p>\n
Miftari Kloppner thekson se p\u00ebr t\u00eb adresuar n\u00eb m\u00ebnyr\u00eb efektive fenomenin e fajdeve nevojiten ndryshime n\u00eb legjislacion. Ajo sugjeron q\u00eb ligji t\u00eb p\u00ebrcaktoj\u00eb qart\u00eb p\u00ebrgjegj\u00ebsit\u00eb e t\u00eb dy pal\u00ebve t\u00eb p\u00ebrfshira, me q\u00ebllim forcimin e zbatueshm\u00ebris\u00eb dhe uljen e praktikave t\u00eb huadh\u00ebnies jasht\u00eb korniz\u00ebs ligjore.\/REL<\/p>\n
The post Kurthi i fajdeve n\u00eb Kosov\u00eb, pasojat shkat\u00ebrrimtare t\u00eb huave ilegale<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" I gjendur p\u00ebrball\u00eb nj\u00eb krize t\u00eb thell\u00eb financiare n\u00eb biznesin e tij dikur t\u00eb madh, dhe pasi nj\u00eb bank\u00eb komerciale ia refuzoi k\u00ebrkes\u00ebn p\u00ebr kredi, nj\u00eb qytetar nga Rrafshi i Kosov\u00ebs k\u00ebrkoi shp\u00ebtimin te fajdexhinjt\u00eb. Fillimisht mori vet\u00ebm 2.000 euro \u2013 nj\u00eb shum\u00eb q\u00eb dukej e vog\u00ebl p\u00ebr ta mbajtur gjall\u00eb biznesin \u2013 por, m\u00eb […]<\/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-55104","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/55104","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=55104"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/55104\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=55104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=55104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=55104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}