Mikrofinanca shqiptare po zhvillohet gjithnj\u00eb e m\u00eb tep\u00ebr, nd\u00ebrsa ky konsolidim dhe hartimi i nj\u00eb kuadri t\u00eb ri strategjik kan\u00eb ndikuar n\u00eb rritjen e m\u00ebtejshme t\u00eb p\u00ebrfshirjes financiare t\u00eb qytetar\u00ebve. K\u00ebshtu shprehet OECD n\u00eb nj\u00eb prej indekseve t\u00eb saj m\u00eb t\u00eb fundit, ku e vler\u00ebson Shqip\u00ebrin\u00eb me 3.76 pik\u00eb p\u00ebr sa i takon p\u00ebrfshirjes financiare t\u00eb qytetar\u00ebve nga 3.51 q\u00eb ishte n\u00eb vitin 2022, pavar\u00ebsisht boshll\u00ebqeve t\u00eb vazhdueshme n\u00eb politikat q\u00eb promovojn\u00eb p\u00ebrfshirjen financiare.<\/p>\n
P\u00ebr t\u00eb adresuar boshll\u00ebqet ekzistuese strukturore n\u00eb njohurit\u00eb financiare, Banka e Shqip\u00ebris\u00eb miratoi Strategjin\u00eb Komb\u00ebtare p\u00ebr Edukimin dhe P\u00ebrfshirjen Financiare 2024\u20132026 n\u00eb janar 2024. Sipas Organizat\u00ebs p\u00ebr Bashk\u00ebpunim dhe Zhvillim Ekonomik, nismat ekzistuese nuk kan\u00eb shkall\u00ebn p\u00ebr t\u00eb mbushur dep\u00ebrtimin e ul\u00ebt financiar t\u00eb ekonomis\u00eb, me vet\u00ebm 46.1% t\u00eb popullsis\u00eb s\u00eb rritur q\u00eb zot\u00ebron nj\u00eb llogari bankare n\u00eb vitin 2025. Banka e Shqip\u00ebris\u00eb ka nd\u00ebrmarr\u00eb gjithashtu disa nisma p\u00ebr t\u00eb rritur nd\u00ebrgjegj\u00ebsimin financiar midis nx\u00ebn\u00ebsve t\u00eb shkollave fillore dhe t\u00eb mesme dhe publikut, por shkalla e tyre mbetet e kufizuar. Aktor\u00ebt privat\u00eb po ashtu ofrojn\u00eb trajnime p\u00ebr grupet e margjinalizuara.<\/p>\n
Pavar\u00ebsisht k\u00ebtyre p\u00ebrpjekjeve, aktivitetet mbeten kryesisht t\u00eb pakoordinuara, duke rezultuar n\u00eb nj\u00eb peizazh t\u00eb fragmentuar t\u00eb edukimit financiar n\u00eb Shqip\u00ebri thekson OECD.<\/p>\n
Megjithat\u00eb, bizneset e vogla n\u00eb Shqip\u00ebri po fitojn\u00eb akses m\u00eb t\u00eb mir\u00eb n\u00eb mikrofinanc\u00eb, nga nj\u00eb kuad\u00ebr i fort\u00eb ligjor dhe politika aktive q\u00eb promovojn\u00eb zhvillimin e tij. Nismat e fundit t\u00eb politikave jan\u00eb nd\u00ebrtuar p\u00ebr t\u00eb modernizuar sektorin e mikrofinanc\u00ebs duke futur zgjidhje digjitale, p\u00ebrmir\u00ebsuar efikasitetin operacional dhe zgjeruar shtrirjen e sh\u00ebrbimeve financiare. Rregullorja nr. 29\/2022, n\u00eb p\u00ebrputhje me Direktiv\u00ebn e Sh\u00ebrbimeve t\u00eb Pagesave t\u00eb Bashkimit Evropian (PSD2), leht\u00ebson identifikimin elektronik, bankingun e hapur dhe nd\u00ebrveprimin midis ofruesve t\u00eb sh\u00ebrbimeve financiare, duke hedhur k\u00ebshtu themelet p\u00ebr zgjidhje digjitale t\u00eb mikrofinanc\u00ebs.<\/p>\n
Gjithashtu, duke u bazuar n\u00eb kufijt\u00eb e normave t\u00eb interesit p\u00ebr kredit\u00eb konsumatore, sektori ka vazhduar t\u00eb zgjerohet, me kredit\u00eb e ofruara nga institucionet e mikrofinanc\u00ebs q\u00eb arrit\u00ebn n\u00eb 0.65% t\u00eb PBB-s\u00eb n\u00eb vitin 2024, dyfishi i nivelit t\u00eb vitit 2019 (0.37%).<\/p>","protected":false},"excerpt":{"rendered":"
Mikrofinanca shqiptare po zhvillohet gjithnj\u00eb e m\u00eb tep\u00ebr, nd\u00ebrsa ky konsolidim dhe hartimi i nj\u00eb kuadri t\u00eb ri strategjik kan\u00eb ndikuar n\u00eb rritjen e m\u00ebtejshme t\u00eb p\u00ebrfshirjes financiare t\u00eb qytetar\u00ebve. K\u00ebshtu shprehet OECD n\u00eb nj\u00eb prej indekseve t\u00eb saj m\u00eb t\u00eb fundit, ku e vler\u00ebson Shqip\u00ebrin\u00eb me 3.76 pik\u00eb p\u00ebr sa i takon p\u00ebrfshirjes financiare […]<\/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-95213","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/95213","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=95213"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/95213\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=95213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=95213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=95213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}