Pavar\u00ebsisht se bujq\u00ebsia pun\u00ebson rreth 1\/3 e forc\u00ebs pun\u00ebtore t\u00eb vendit dhe gjeneron rreth 20% t\u00eb prodhimit komb\u00ebtar, bizneset e k\u00ebtij sektori nuk kan\u00eb akses t\u00eb mjaftuesh\u00ebm n\u00eb financim. Arsyet e aksesit t\u00eb kufizuar n\u00eb kredi jan\u00eb kostoja relativisht e lart\u00eb e kredis\u00eb bankare, e cila lidhet me munges\u00ebn e historikut, t\u00eb kolateralit dhe t\u00eb ekspertiz\u00ebs financiare t\u00eb bizneseve, elemente k\u00ebto t\u00eb cilat rritin \u00e7mimin e kredis\u00eb.<\/p>\n
Programi i ri i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb synon t\u00eb p\u00ebrmir\u00ebsoj\u00eb aksesin e nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme n\u00eb kredi, n\u00ebp\u00ebrmjet uljes t\u00eb kostos s\u00eb fondeve t\u00eb cilat bankat p\u00ebrdorin p\u00ebr kreditimin e tyre. Programi do t\u00eb ket\u00eb nj\u00eb fond total prej 25 miliard\u00eb lek\u00ebsh. Bankat tregtare do i marrin k\u00ebto fonde me norm\u00eb t\u00eb ul\u00ebt interesi nga Banka e Shqip\u00ebris\u00eb, t\u00eb cilat do i p\u00ebrdorin m\u00eb pas p\u00ebr t\u00eb dh\u00ebn\u00eb kredi s\u00ebrish me norm\u00eb t\u00eb ul\u00ebt interesi p\u00ebr bizneset e k\u00ebtij sektori. <\/p>\n
Programi \u00ebsht\u00eb i orientuar drejt mb\u00ebshtetjes s\u00eb investimeve q\u00eb p\u00ebrfshijn\u00eb asetet fizike dhe platforma teknologjike, t\u00eb cilat sh\u00ebrbejn\u00eb p\u00ebr t\u00eb rritur kapacitetin prodhues ose efi\u00e7ienc\u00ebn operacionale t\u00eb bizneseve n\u00eb bujq\u00ebsi, si dhe rifinancimin e kredive ekzistuese t\u00eb cilat sh\u00ebrbejn\u00eb p\u00ebr investime n\u00eb asete fizike ose platforma teknologjike.
\nNj\u00eb bank\u00eb mund t\u00eb jap\u00eb maksimumi 25 milion\u00eb lek\u00eb kredi p\u00ebr nj\u00eb biznes n\u00eb bujq\u00ebsi. Sektori bankar mund t\u00eb jap\u00eb kredi p\u00ebr nd\u00ebrmarrjet e vogla dhe t\u00eb mesme n\u00eb kuad\u00ebr t\u00eb k\u00ebtij programi me nj\u00eb norm\u00eb interesi vjetore jo m\u00eb t\u00eb madhe se 3.5% n\u00eb vit, ky do t\u00eb jet\u00eb tavani maksimal p\u00ebr kredit\u00eb e disbursuara. N\u00eb rastin e garantimit t\u00eb k\u00ebtyre kredive me garanci shtet\u00ebrore, t\u00eb cilat mbulojn\u00eb 15 \u2013 35% t\u00eb rrezikut t\u00eb kreditit, 35 \u2013 55% t\u00eb rrezikut t\u00eb kreditit, dhe 55 \u2013 75% t\u00eb rrezikut t\u00eb kreditit, tavanet e \u00e7mimit t\u00eb kredis\u00eb do t\u00eb shkojn\u00eb respektivisht n\u00eb 3%, 2.5% dhe 2% p\u00ebr pjes\u00ebn e mbetur t\u00eb programit.<\/p>\n
The post \u00c7far\u00eb p\u00ebrmban programi i ri i kreditimit t\u00eb bizneseve \u2013 Nga normat e ul\u00ebta t\u00eb interesit, te mbulimi i tyre me garanci shtet\u00ebrore<\/a> appeared first on www.lexo.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Pavar\u00ebsisht se bujq\u00ebsia pun\u00ebson rreth 1\/3 e forc\u00ebs pun\u00ebtore t\u00eb vendit dhe gjeneron rreth 20% t\u00eb prodhimit komb\u00ebtar, bizneset e k\u00ebtij sektori nuk kan\u00eb akses t\u00eb mjaftuesh\u00ebm n\u00eb financim. Arsyet e aksesit t\u00eb kufizuar n\u00eb kredi jan\u00eb kostoja relativisht e lart\u00eb e kredis\u00eb bankare, e cila lidhet me munges\u00ebn e historikut, t\u00eb kolateralit dhe t\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-6152","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/6152","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=6152"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/6152\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=6152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=6152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=6152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}