Edhe pse jemi n\u00eb prag t\u00eb 3-vjetorit t\u00eb t\u00ebrmeteve q\u00eb trondit\u00ebn nj\u00eb pjes\u00eb t\u00eb mir\u00eb t\u00eb vendit n\u00eb vjesht\u00ebn e 2019-\u00ebn, ende ka familje q\u00eb nuk kan\u00eb nj\u00eb streh\u00eb mbi kok\u00eb.<\/p>\n
Rasti m\u00eb tipik vjen nga Kurbini aty ku 70-vje\u00e7ari Gjin Bushi, ende i pastreh\u00eb, ka zgjedhur t\u00eb protestoj\u00eb n\u00eb shkall\u00ebt e bashkis\u00eb.<\/p>\n
Sipas 70 vje\u00e7arit, i cili \u00ebsht\u00eb futur n\u00eb grev\u00eb urie, pavar\u00ebsisht trokitjeve t\u00eb vazhdueshme n\u00eb dyert e bashkis\u00eb p\u00ebr t\u00eb siguruar streh\u00eb, por nuk ka gjetur zgjidhje.<\/p>\n
T\u00cb ZBULUAR FINANCIARISHT GJAT\u00cb GJITH\u00cb KOH\u00cbS<\/strong><\/p>\n Q\u00ebnia njer\u00ebzore e ka n\u00eb natyr\u00ebn e vet q\u00eb t\u00eb harroj\u00eb nj\u00eb ngjarje pasi ajo kalon. E nj\u00ebjta gj\u00eb ndodh edhe me fatkeq\u00ebsit\u00eb natyrore, n\u00eb k\u00ebt\u00eb rast t\u00ebrmetet. Pasi gjith\u00e7ka qet\u00ebsohet, qet\u00ebsohemi edhe ne me shpres\u00ebn dhe besimin q\u00eb nuk do t\u00eb p\u00ebrs\u00ebritet m\u00eb. Por fakti q\u00eb potenciali i k\u00ebtyre fatkeq\u00ebsive p\u00ebr t\u00eb shkat\u00ebrruar \u00e7do gj\u00eb q\u00eb i del p\u00ebrpara, i b\u00ebn ato m\u00eb misterioze, rrit nevoj\u00ebn p\u00ebr t\u00eb qen\u00eb gjat\u00eb gjith\u00eb koh\u00ebs t\u00eb siguruar.<\/p>\n Polic\u00ebn e sigurimit, q\u00eb shum\u00eb individ\u00eb e konsiderojn\u00eb thjesht\u00eb \u201cnj\u00eb cop\u00eb let\u00ebr\u201d, n\u00eb fakt \u00ebsht\u00eb nj\u00eb kontrat\u00eb q\u00eb mbulon d\u00ebmet q\u00eb mund ti shkaktohen sht\u00ebpis\u00eb apo \u00e7do prone tjet\u00ebr nga t\u00ebrmeti, zjarri e dukuri t\u00eb tjera natyrore q\u00eb nuk jan\u00eb n\u00eb dor\u00ebn e njeriut.<\/p>\n N\u00eb rastin n\u00eb fjal\u00eb, kjo kontrat\u00eb sigurimi (q\u00eb n\u00eb k\u00ebt\u00eb rast mungonte) do t\u00eb b\u00ebnte t\u00eb mundur q\u00eb t\u00eb gjitha d\u00ebmet n\u00eb banes\u00ebn e 70-vje\u00e7arit t\u00eb mbuloheshin nga kompania e sigurimit.<\/p>\n D\u00ebmet e t\u00ebrmeteve t\u00eb 2019-\u00ebs, sipas nj\u00eb vler\u00ebsimi t\u00eb b\u00ebr\u00eb nga studimi i hartuar me ndihm\u00ebn e Kombeve t\u00eb Bashkuara, Bank\u00ebs Bot\u00ebrore dhe Bashkimit Europian d\u00ebmi llogaritej n\u00eb 985 milion\u00eb euro.<\/p>\n N\u00eb total, efekti i fatkeq\u00ebsis\u00eb vler\u00ebsohej sa 6.4% e Prodhimit t\u00eb Brendsh\u00ebm Bruto(PBB) nd\u00ebrsa n\u00eb humbje 1.1% e PBB, \u00e7ka n\u00eb total e \u00e7on shifr\u00ebn 7.5% e PBB.<\/p>\n \u201cVler\u00ebsimi tregon se n\u00eb total, efekti i fatkeq\u00ebsis\u00eb n\u00eb 11 bashki llogaritet rreth 985.1 milion\u00eb euro, apo 121.21 miliard\u00eb lek\u00eb, nga t\u00eb cilat 843 milion\u00eb euro, 103.84 miliard\u00eb lek\u00eb, p\u00ebrfaq\u00ebson vler\u00ebn e aseteve fizike t\u00eb shkat\u00ebrruara dhe 141.2 milion\u00eb euro, 17.37 miliard\u00eb lek\u00eb, referuar humbjeve. Shumica e d\u00ebmeve jan\u00eb regjistruar n\u00eb sektorin e strehimit (78.5%), ndjekur nga sektori prodhues me 8.4% dhe edukimi me 7.5%. Sa u takon humbjeve, n\u00eb sektorin prodhues llogaritet m\u00eb i larti me 56.4%, nd\u00ebrsa n\u00eb strehim 24.1% dhe mbrojtje civile dhe reduktim i riskut, n\u00eb 9.4%<\/em>\u201d, thuhej n\u00eb studim.<\/p>\n Pyetjet q\u00eb shtrohen me t\u00eb drejt\u00eb jan\u00eb: P\u00ebrse jemi kaq t\u00eb zbuluar? P\u00ebrse qytetar\u00ebt shqiptar\u00eb nuk kan\u00eb asnj\u00eb lloj mbulimi e mbrojtje financiare si\u00e7 ndodh me qytetar\u00ebt europian\u00eb dhe n\u00eb t\u00eb gjith\u00eb bot\u00ebn?<\/strong><\/p>\n \u00a0<\/strong>Tregu i sigurimeve n\u00eb Shqip\u00ebri \u00ebsht\u00eb liberalizuar n\u00eb vitin 1999, pra plot 23 vjet m\u00eb par\u00eb dhe q\u00eb nga ajo koh\u00eb kan\u00eb ndodhur plot ndryshime sasiore dhe cil\u00ebsore, ka ndryshuar baza ligjore, mentaliteti e bot\u00ebkuptimi, por p\u00ebrs\u00ebri Shqip\u00ebria mbetet nj\u00eb nga vendet me kultur\u00eb dhe edukim t\u00eb pak\u00ebt n\u00eb sigurime, krahasuar edhe me vendet e rajonit.<\/p>\n Me gjith\u00eb ekspozimin serioz ndaj riskut t\u00eb fatkeq\u00ebsive t\u00eb shkaktuara nga natyra p\u00ebrfshir\u00eb t\u00ebrmetet, p\u00ebrmbytjet, zjarret, that\u00ebsira dhe rr\u00ebshqitjet e tok\u00ebs, shpesht\u00ebsia dhe shkalla e d\u00ebmit t\u00eb t\u00eb cilave ka gjasa t\u00eb rritet si rezultat i ndryshimeve klimatike, s\u00ebrish qytetar\u00ebt tregohen indiferent\u00eb p\u00ebrball\u00eb sigurimeve.<\/p>\n Vlera e sigurimit p\u00ebr frym\u00eb ka ardhur n\u00eb rritje, por prap\u00eb mbetet m\u00eb e ul\u00ebta n\u00eb rajon e m\u00eb gjer\u00eb. Gjat\u00eb vitit 2021, mesatarja p\u00ebr frym\u00eb n\u00eb Shqip\u00ebri ishte 55 euro, nd\u00ebrsa Maqedonia e Veriut, shtet me kapacitete m\u00eb t\u00eb vogla, regjistron shifra m\u00eb t\u00eb larta.<\/p>\n AMF: Nevojitet skem\u00eb komb\u00ebtare p\u00ebr p\u00ebrballimin e katastrofave natyrore<\/strong><\/p>\n N\u00eb fillim t\u00eb k\u00ebtij viti Autoriteti i Mbikqyrjes Financiare do t\u00eb fliste p\u00ebr nj\u00eb skem\u00eb komb\u00ebtare p\u00ebr p\u00ebrballimin e katastrofave natyrore.<\/p>\n \u201cPavar\u00ebsisht trendit rrit\u00ebs, sigurimi i pronave nga fatkeq\u00ebsit\u00eb natyrore mbetet n\u00eb nivele shum\u00eb t\u00eb ul\u00ebta, rreth 3%. Duke marr\u00eb n\u00eb konsiderat\u00eb menaxhimin dhe trajtimin e d\u00ebmeve t\u00eb t\u00ebrmeteve t\u00eb fundvitit 2019 nga shoq\u00ebrit\u00eb e sigurimit, potencialin e menaxhimit t\u00eb riskut n\u00ebp\u00ebrmjet risigurimit, si dhe efektin n\u00eb Buxhetin e Shtetit dhe ekonomin\u00eb n\u00eb t\u00ebr\u00ebsi q\u00eb sjell nj\u00eb fatkeq\u00ebsi natyrore, Autoriteti vler\u00ebson nevoj\u00ebn e krijimit t\u00eb nj\u00eb skeme komb\u00ebtare p\u00ebr p\u00ebrballimin e katastrofave natyrore.<\/em><\/p>\n Nd\u00ebrmarrja e hapave n\u00eb k\u00ebt\u00eb drejtim \u00ebsht\u00eb vler\u00ebsuar n\u00eb vijim\u00ebsi si domosdoshm\u00ebri nga Banka Bot\u00ebrore, e cila, edhe n\u00eb raportin e publikuar n\u00eb dhjetor t\u00eb vitit 2020, n\u00ebnvizon se Shqip\u00ebria \u00ebsht\u00eb e ekspozuar ndaj katastrofave natyrore dhe ka nivelin m\u00eb t\u00eb lart\u00eb t\u00eb riskut nga katastrofat n\u00eb Europ\u00eb. N\u00eb vler\u00ebsimet e saj, Banka Bot\u00ebrore konstaton se ndikimi i pandemis\u00eb e ka b\u00ebr\u00eb Shqip\u00ebrin\u00eb m\u00eb vulnerab\u00ebl ndaj katastrofave, q\u00eb mund t\u00eb sjellin p\u00ebrkeq\u00ebsim t\u00eb ekonomis\u00eb dhe financave publike\u201d.<\/em><\/p>\n Propozimi i AMF u mb\u00ebshtet edhe nga Shoqata e Siguruesve t\u00eb Shqip\u00ebris\u00eb<\/strong><\/p>\n \u201cShoqata jon\u00eb, n\u00eb bashk\u00ebpunim me specialist\u00ebt m\u00eb t\u00eb mir\u00eb t\u00eb fush\u00ebs s\u00eb sigurimeve, ka p\u00ebrgatitur nj\u00eb projektligj p\u00ebr sigurimin e detyruesh\u00ebm t\u00eb katastrofave. Ka ardhur koha q\u00eb t\u00eb kemi nj\u00eb ligj t\u00eb posa\u00e7\u00ebm p\u00ebr k\u00ebt\u00eb q\u00ebllim. Ky draft \u00ebsht\u00eb d\u00ebrguar tek Autoriteti i Mbik\u00ebqyrjes Financiare dhe jemi n\u00eb pritje t\u00eb komenteve t\u00eb tyre, p\u00ebr t\u00eb nd\u00ebrmarr\u00eb hapa t\u00eb m\u00ebtejsh\u00ebm p\u00ebr ta propozuar zyrtarisht si nj\u00eb nism\u00eb ligjore.<\/em><\/p>\n Nj\u00eb ligj i till\u00eb do t\u00eb heq\u00eb barr\u00ebn e kompensimit financiar nga qeveria, n\u00eb rast t\u00eb ndodhjes s\u00eb fatkeq\u00ebsive natyrore, dhe do ta transferoj\u00eb at\u00eb tek kompanit\u00eb e sigurimit. Nuk mund t\u00eb jet\u00eb shteti ai q\u00eb merr p\u00ebrsip\u00ebr rind\u00ebrtimin apo d\u00ebmshp\u00ebrblimin e t\u00eb gjith\u00eb qytetar\u00ebve t\u00eb prekur nga ngjarje t\u00eb tilla.<\/em><\/p>\n Propozimi yn\u00eb \u00ebsht\u00eb q\u00eb sigurimi nga katastrofat t\u00eb jet\u00eb i detyruesh\u00ebm, sepse kjo do t\u00eb mund\u00ebsonte edhe krijimin e numrave t\u00eb nevojsh\u00ebm p\u00ebr t\u00eb garantuar prime m\u00eb t\u00eb ul\u00ebta sigurimi. Drafti \u00ebsht\u00eb n\u00eb p\u00ebrputhje t\u00eb plot\u00eb me standardet dhe praktikat m\u00eb t\u00eb mira nd\u00ebrkomb\u00ebtare dhe do t\u00eb ofroj\u00eb nj\u00eb mbulim optimal p\u00ebr t\u00eb gjith\u00eb qytetar\u00ebt, me \u00e7mime m\u00eb se t\u00eb p\u00ebrballueshme. P\u00ebr qytetar\u00ebt n\u00eb pamund\u00ebsi ekonomike, ne kemi propozuar aplikimin e subvencioneve nga qeveria.<\/em><\/p>\n Kompanit\u00eb e sigurimit n\u00eb Shqip\u00ebri kan\u00eb t\u00eb gjitha kapacitetet p\u00ebr mbulimin e katastrofave, si dhe kan\u00eb partner\u00eb risigurues nd\u00ebrkomb\u00ebtar t\u00eb fuqish\u00ebm p\u00ebr mbulim t\u00eb k\u00ebtij rreziku. Ato jan\u00eb gati ta ofrojn\u00eb p\u00ebr t\u00eb gjith\u00eb qytetar\u00ebt k\u00ebt\u00eb sigurim, pavar\u00ebsisht ndryshimit t\u00eb riskut nga nj\u00ebra zon\u00eb n\u00eb tjetr\u00ebn. Shqip\u00ebria \u00ebsht\u00eb nj\u00eb vend me rrezik t\u00eb lart\u00eb katastrofash, si t\u00ebrmeti, p\u00ebrmbytja, ngrica, zjarri dhe shpresojm\u00eb q\u00eb qeveria t\u2019i shoh\u00eb me p\u00ebrpar\u00ebsi sugjerimet tona\u201d, <\/em>do t\u00eb shprehej Mimoza Hajdarmataj, Sekretare e P\u00ebrgjithshme e Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Shqip\u00ebris\u00eb.<\/p>\n Por ky propozim ka mbetur n\u00eb sirtar dhe ende nuk ka asnj\u00eb nism\u00eb konkrete. Nd\u00ebrkoh\u00eb q\u00eb shum\u00eb familje vijojn\u00eb t\u00eb mos ken\u00eb nj\u00eb streh\u00eb mbi kok\u00eb edhe 3 vjet pas t\u00ebrmeteve tragjike t\u00eb 2019-\u00ebs.<\/p>\n PAVAR\u00cbSIA Q\u00cb T\u00cb FALIN SIGURACIONET<\/strong><\/p>\n Siguracionet e b\u00ebjn\u00eb qytetarit t\u00eb pavarur, me personalitet dhe t\u00eb mbuluar financiarisht n\u00eb \u00e7do lloj situate.<\/p>\n Nj\u00eb qytetari europian i mjafton t\u00eb dij\u00eb kompanin\u00eb e sigurimit ku ka siguruar automjetin, pron\u00ebn, sh\u00ebndetin etj dhe p\u00ebr \u00e7do paraqitet menj\u00ebher\u00eb atje dhe nuk ka nevoj\u00eb t\u00eb dij\u00eb as kush \u00ebsht\u00eb partia n\u00eb pushtet, kush \u00ebsht\u00eb kryeministri, kush \u00ebsht\u00eb ministri apo kryetari i bashkis\u00eb q\u00eb t\u00eb shkoj\u00eb e t\u00eb q\u00ebndroj\u00eb para zyrave t\u00eb tyre p\u00ebr ndihm\u00eb.<\/p>\n Sigurimet e b\u00ebjn\u00eb nj\u00eb qytetar t\u00eb pavarur ndaj dhe atij nuk i intereson asgj\u00eb tjet\u00ebr ve\u00e7se kompania ku \u00ebsht\u00eb siguruar.<\/p>\n Ai nuk ka nevoj\u00eb t\u00eb sorollatet zyrave t\u00eb shtetit p\u00ebr kompensim, si\u00e7 ndodh r\u00ebndom n\u00eb Shqip\u00ebri, por gjith\u00e7ka ia kompenson kompania e sigurimit konform kontrat\u00ebs q\u00eb kan\u00eb lidhur pal\u00ebt.<\/p>\n Edhe ne, shqiptar\u00ebt, n\u00ebse duam q\u00eb t\u00eb jemi pjes\u00eb e Bashkimit Europian, fillimisht duhet t\u00eb m\u00ebsojm\u00eb ti b\u00ebjm\u00eb siguracionet pjes\u00eb t\u00eb kultur\u00ebs ton\u00eb, pa qen\u00eb nevoja t\u00eb presim \u201cl\u00ebmosh\u00eb prej shtetit\u201d.<\/p>\n \u201cSigurimi nuk \u00ebsht\u00eb privilegj. \u00cbsht\u00eb e drejt\u00eb. \u00cbsht\u00eb nj\u00eb e drejt\u00eb po aq themelore sa t\u00eb drejtat civile. \u00cbsht\u00eb nj\u00eb e drejt\u00eb po aq themelore sa t’i jap\u00ebsh \u00e7do f\u00ebmije nj\u00eb shans p\u00ebr t\u00eb marr\u00eb nj\u00eb arsim publik\u201d.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" Edhe pse jemi n\u00eb prag t\u00eb 3-vjetorit t\u00eb t\u00ebrmeteve q\u00eb trondit\u00ebn nj\u00eb pjes\u00eb t\u00eb mir\u00eb t\u00eb vendit n\u00eb vjesht\u00ebn e 2019-\u00ebn, ende ka familje q\u00eb nuk kan\u00eb nj\u00eb streh\u00eb mbi kok\u00eb. Rasti m\u00eb tipik vjen nga Kurbini aty ku 70-vje\u00e7ari Gjin Bushi, ende i pastreh\u00eb, ka zgjedhur t\u00eb protestoj\u00eb n\u00eb shkall\u00ebt e bashkis\u00eb. Sipas 70 …<\/p>\n","protected":false},"author":4,"featured_media":22670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/22669"}],"collection":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/comments?post=22669"}],"version-history":[{"count":0,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/22669\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media\/22670"}],"wp:attachment":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media?parent=22669"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/categories?post=22669"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/tags?post=22669"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}