Shqip\u00ebria \u00ebsht\u00eb ekonomia e rajonit t\u00eb Ballkanit Per\u00ebndimor me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb kartave t\u00eb kreditit.<\/p>\n
Sipas statistikave krahasuese t\u00eb Fondit Monetar Nd\u00ebrkomb\u00ebtar (FMN), n\u00eb vitin 2024 n\u00eb Shqip\u00ebri ishin aktive 50.18 karta krediti p\u00ebr 1000 banor\u00eb. Sipas FMN-s\u00eb, dep\u00ebrtimi i kartave t\u00eb kreditit ka p\u00ebsuar madje r\u00ebnie krahasuar me nivelin prej 52.52% t\u00eb nj\u00eb viti m\u00eb par\u00eb.<\/p>\n
Shqip\u00ebria \u00ebsht\u00eb duksh\u00ebm mbrapa vendeve fqinje t\u00eb rajonit n\u00eb shkall\u00ebn e dep\u00ebrtimit t\u00eb k\u00ebtij produkti pagesash.<\/p>\n
Para Shqip\u00ebris\u00eb ndodhet Mali i Zi, me 71.72 karta krediti p\u00ebr 1000 banor\u00eb, Bosnje-Hercegovina, me 156.29 karta krediti p\u00ebr 1000 banor\u00eb, Serbia, me 159.11 karta krediti p\u00ebr 1000 banor\u00eb, Kosova, me 160.75 karta krediti p\u00ebr 1000 banor\u00eb dhe Maqedonia e Veriut, me 185.18 karta krediti p\u00ebr 1000 banor\u00eb.<\/p>\n
Sipas ekspert\u00ebve, arsyeja kryesore e dep\u00ebrtimit t\u00eb ul\u00ebt t\u00eb kartave t\u00eb kreditit n\u00eb Shqip\u00ebri \u00ebsht\u00eb niveli i lart\u00eb i p\u00ebrdorimit t\u00eb paras\u00eb fizike n\u00eb transaksionet e pagesave. Karta e kreditit \u00ebsht\u00eb nj\u00eb produkt i dedikuar kryesisht p\u00ebr pagesat automatike n\u00ebp\u00ebrmjet terminaleve POS. Prapambetja relative e Shqip\u00ebris\u00eb n\u00eb pagesat me kart\u00eb \u00ebsht\u00eb reflektuar pjes\u00ebrisht edhe n\u00eb nj\u00eb p\u00ebrdorim t\u00eb dob\u00ebt t\u00eb kartave t\u00eb kreditit.<\/p>\n
Megjith\u00ebse n\u00eb vitet e fundit pagesat me kart\u00eb po sh\u00ebnojn\u00eb nj\u00eb rritje t\u00eb shpejt\u00eb, ende nuk kjo nuk po reflektohet n\u00eb nj\u00eb hov dometh\u00ebn\u00ebs t\u00eb kartave t\u00eb kreditit, si produkt i ve\u00e7ant\u00eb.<\/p>\n
Sipas statistikave nga Banka e Shqip\u00ebris\u00eb, gjat\u00eb vitit 2024 pagesat me kart\u00eb n\u00eb terminalet POS (pikat elektronike t\u00eb shitjes) arrit\u00ebn n\u00eb pothuajse 19.6 milion\u00eb, me nj\u00eb rritje prej 35% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
Nga ana tjet\u00ebr, karta e kreditit ngelet nj\u00eb produkt relativisht i shtrenjt\u00eb. Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, norma mesatare efektive e interesit e kartave t\u00eb kreditit p\u00ebr 6-mujorin e par\u00eb 2025 (p\u00ebr shumat e deri n\u00eb 200 mij\u00eb lek\u00eb) ishte 20.29% p\u00ebr kartat n\u00eb Lek\u00eb dhe 16.95% p\u00ebr kartat n\u00eb Euro. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, normat mesatare t\u00eb interesit kan\u00eb p\u00ebsuar r\u00ebnie p\u00ebr kartat n\u00eb Euro, po jan\u00eb rritur leht\u00eb p\u00ebr ato n\u00eb Lek\u00eb.<\/p>\n
N\u00eb terma mesatar\u00eb, normat e interesit t\u00eb kartave ngelen m\u00eb t\u00eb larta n\u00eb raport me produktet e ngjashme t\u00eb kredis\u00eb konsumatore bankare, si, p\u00ebr shembull, overdraftet. Sipas bankier\u00ebve, kjo ndodh p\u00ebr shkak t\u00eb nj\u00eb shkalle t\u00eb lart\u00eb t\u00eb rrezikut q\u00eb kartat e kreditit bartin si produkte kreditore, por edhe me ekzistenc\u00ebn e nj\u00eb periudh\u00eb faljeje, brenda t\u00eb cil\u00ebs klienti mund ta paguaj\u00eb detyrimin pa interesa.<\/p>\n
Sipas t\u00eb dh\u00ebnave nga Shoqata Shqiptare e Bankave, n\u00eb fund t\u00eb vitit t\u00eb kaluar bankat shqiptare raportonin 113 290 karta krediti aktive, n\u00eb r\u00ebnie me 6.1% krahasuar me nj\u00eb vit m\u00eb par\u00eb.<\/p>\n
R\u00ebnia ka ardhur kryesisht nga dy bankat kryesore, Banka Komb\u00ebtare Tregtare (BKT) dhe Raiffeisen, q\u00eb kan\u00eb p\u00ebsuar r\u00ebnie t\u00eb numrit t\u00eb kartave aktive dhe t\u00eb pjes\u00ebs s\u00eb tregut. Nd\u00ebrkoh\u00eb, bankat e tjera n\u00eb p\u00ebrgjith\u00ebsi kan\u00eb pasur nj\u00eb tendenc\u00eb n\u00eb rritje t\u00eb numrit t\u00eb kartave t\u00eb kreditit dhe pjes\u00ebs s\u00eb tyre t\u00eb tregut. Pavar\u00ebsisht r\u00ebnies s\u00eb tyre gjat\u00eb 2024, BKT dhe Raiffeisen Bank Albania vazhdojn\u00eb ta dominojn\u00eb tregun e kartave t\u00eb kreditit, me rreth 64% t\u00eb numrit total t\u00eb tyre.\/monitor<\/p>\n
The post Shqip\u00ebria, vendi me dep\u00ebrtimin m\u00eb t\u00eb ul\u00ebt t\u00eb kartave t\u00eb kreditit n\u00eb Ballkan<\/a> appeared first on Lapsi.al<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Shqip\u00ebria \u00ebsht\u00eb ekonomia e rajonit t\u00eb Ballkanit Per\u00ebndimor me numrin m\u00eb t\u00eb vog\u00ebl t\u00eb kartave t\u00eb kreditit. Sipas statistikave krahasuese t\u00eb Fondit Monetar Nd\u00ebrkomb\u00ebtar (FMN), n\u00eb vitin 2024 n\u00eb Shqip\u00ebri ishin aktive 50.18 karta krediti p\u00ebr 1000 banor\u00eb. Sipas FMN-s\u00eb, dep\u00ebrtimi i kartave t\u00eb kreditit ka p\u00ebsuar madje r\u00ebnie krahasuar me nivelin prej 52.52% 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-61523","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/61523","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=61523"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/61523\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=61523"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=61523"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=61523"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}