T\u00eb ardhurat e mjaftueshme n\u00eb mosh\u00ebn e pensionit jan\u00eb shnd\u00ebrruar n\u00eb nj\u00eb shqet\u00ebsim i zakonsh\u00ebm p\u00ebr t\u00eb rriturit n\u00eb nivel global. N\u00eb nj\u00eb dokument t\u00eb fundit q\u00eb trajton \u201cSigurin\u00eb e t\u00eb ardhurave p\u00ebr t\u00eb moshuarit\u201d Banka Bot\u00ebrore v\u00eb n\u00eb dukje se duhen politika dhe instrumente shtes\u00eb p\u00ebrve\u00e7 kontributeve p\u00ebr t\u00eb rritur sigurin\u00eb e t\u00eb ardhurave n\u00eb pleq\u00ebri.<\/p>\n
N\u00eb grupin e vendeve q\u00eb jan\u00eb drejtuar k\u00ebshillat b\u00ebn pjes\u00eb edhe Shqip\u00ebria. Aktualisht vendi yn\u00eb \u00ebsht\u00eb p\u00ebrfshir\u00eb n\u00eb nj\u00eb reform\u00eb p\u00ebr ndryshimin e skem\u00ebs se pensioneve, e cila po kryhet me asistenc\u00ebn teknike t\u00eb Bank\u00ebs Bot\u00ebrore.<\/p>\n
Aktualisht burimet m\u00eb t\u00eb r\u00ebnd\u00ebsishme t\u00eb t\u00eb ardhurave p\u00ebr t\u00eb moshuarit jan\u00eb: puna e vazhdueshme; mb\u00ebshtetja nga familja dhe t\u00eb ardhurat nga aktivet e grumbulluara gjat\u00eb jet\u00ebs s\u00eb tyre dhe p\u00ebrfitimet e marra nga programet e qeveris\u00eb, t\u00eb financuara qoft\u00eb nga t\u00eb ardhurat e p\u00ebrgjithshme ose kontributet sociale.<\/p>\n
Megjithat\u00eb, kontributi relativ dhe p\u00ebrshtatshm\u00ebria e p\u00ebrgjithshme e k\u00ebtyre burimeve ndryshojn\u00eb shum\u00eb sipas niveleve t\u00eb zhvillimit, me kalimin e koh\u00ebs, nd\u00ebrmjet vendeve. N\u00eb ekonomit\u00eb n\u00eb zhvillim ku b\u00ebn pjes\u00eb Shqip\u00ebria plakja e popullsis\u00eb po ndodh shum\u00eb shpejt. Banka Bot\u00ebrore v\u00ebren shqet\u00ebsime serioze, teksa thekson se pensionist\u00ebt e sotsh\u00ebm dhe t\u00eb ardhsh\u00ebm nuk jan\u00eb t\u00eb p\u00ebrgatitur p\u00ebr t\u00eb siguruar t\u00eb ardhurat e nevojshme gjat\u00eb gjith\u00eb pleq\u00ebris\u00eb.<\/p>\n
Banka v\u00eb n\u00eb dukje se r\u00ebnia e madh\u00ebsis\u00eb s\u00eb familjes dhe ndryshimi i normave shoq\u00ebrore do t\u00eb ulin t\u00eb ardhurat jo zyrtare tek moshat e vjetra. P\u00ebrve\u00e7 k\u00ebsaj, njohurit\u00eb financiare jan\u00eb t\u00eb dob\u00ebta p\u00ebr siguruar kursime gjat\u00eb gjith\u00eb jet\u00ebs. Banka sugjeron se do t\u00eb duhet roli i shtetit p\u00ebr promovimin e siguris\u00eb financiare p\u00ebr t\u00eb moshuarit.<\/p>\n
Pavar\u00ebsisht k\u00ebsaj nevoje n\u00eb rritje, sistemet publike p\u00ebr t\u00eb moshuarit zakonisht kan\u00eb mbulim t\u00eb ul\u00ebt dhe t\u00eb pamjaftuesh\u00ebm p\u00ebr t\u00eb ofruar mbrojtje t\u00eb denj\u00eb p\u00ebr shumic\u00ebn e t\u00eb moshuarve. Psh n\u00eb Shqip\u00ebri, sipas statistikave vendase m\u00eb shum\u00eb se gjysma e t\u00eb moshuarve kan\u00eb pensione t\u00eb pjesshme, pasi nuk kan\u00eb mundur t\u00eb p\u00ebrmbushin kushtet p\u00ebr pension t\u00eb plot\u00eb.<\/p>\n
Banka Bot\u00ebrore v\u00eb n\u00eb dukje se n\u00eb dekadat e fundit zgjerimi i kontribuuesve n\u00eb skem\u00ebn e pensioneve ka qen\u00eb problematik. K\u00ebshillat e mposhtm\u00eb shihen si mund\u00ebsi p\u00ebr t\u00eb rritur sigurin\u00eb e t\u00eb ardhurave n\u00eb pleq\u00ebri. S\u00eb pari, rishikimi i skem\u00ebs s\u00eb pensioneve p\u00ebr t\u00eb mb\u00ebshtetur p\u00ebrfshirjen n\u00eb skem\u00ebn e sigurimeve t\u00eb grave dhe punonj\u00ebsve informale.<\/p>\n
S\u00eb dyti, q\u00ebndrueshm\u00ebria e skem\u00ebs se pensioneve duhet t\u00eb konsiderohet prioritet dhe duhet t\u00eb ket\u00eb nj\u00eb konsensus t\u00eb vazhduesh\u00ebm nga politika dhe grupet e interesit. S\u00eb treti, duhet promovuar transparenca e t\u00eb dh\u00ebnave dhe standardizimi i raportimit mbi sistemet e pensioneve n\u00eb vendet n\u00eb zhvillim.<\/p>\n
S\u00eb kat\u00ebrti, potenciali n\u00eb rritje i transaksioneve digjitale dhe nga telefoni leht\u00ebson administrimin e pensioneve dhe e b\u00ebn me t\u00eb leht\u00eb derdhjen e kontributeve. S\u00eb pesti, t\u00eb rriturit duhen t\u00eb nd\u00ebrgjegj\u00ebsohen m\u00eb shum\u00eb p\u00ebr t\u00eb sigurin\u00eb e t\u00eb ardhurave n\u00eb pleq\u00ebri.<\/p>\n
S\u00eb gjashti, duhet t\u00eb zhvillohen produkte financiare novatore q\u00eb mb\u00ebshtesin me t\u00eb ardhura mosh\u00ebn e tret\u00eb. Banka Bot\u00ebrore sugjeron se duhet t\u00eb zhvillohen nj\u00eb seri instrumentesh p\u00ebrve\u00e7 kontributeve p\u00ebr t\u00eb rritur sigurin\u00eb e t\u00eb ardhurave n\u00eb pleq\u00ebri.<\/p>\n
Shqip\u00ebria pritet q\u00eb t\u00eb finalizoje k\u00ebt\u00eb vit reform\u00ebn e pensioneve e cila synon t\u00eb rris\u00eb q\u00ebndrueshm\u00ebrin\u00eb e skem\u00ebs publike t\u00eb pensioneve dhe t\u00eb rris\u00eb sigurin\u00eb n\u00eb t\u00eb ardhurat n\u00eb mosh\u00eb pensioni.\/ Monitor<\/p>\n
The post Banka Bot\u00ebrore sugjeron 6 instrumente p\u00ebr pensione t\u00eb sigurta<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" T\u00eb ardhurat e mjaftueshme n\u00eb mosh\u00ebn e pensionit jan\u00eb shnd\u00ebrruar n\u00eb nj\u00eb shqet\u00ebsim i zakonsh\u00ebm p\u00ebr t\u00eb rriturit n\u00eb nivel global. N\u00eb nj\u00eb dokument t\u00eb fundit q\u00eb trajton \u201cSigurin\u00eb e t\u00eb ardhurave p\u00ebr t\u00eb moshuarit\u201d Banka Bot\u00ebrore v\u00eb n\u00eb dukje se duhen politika dhe instrumente shtes\u00eb p\u00ebrve\u00e7 kontributeve p\u00ebr t\u00eb rritur sigurin\u00eb e t\u00eb ardhurave […]<\/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-5864","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5864","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=5864"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/5864\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=5864"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=5864"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=5864"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}