N\u00eb Shqip\u00ebri, \u00e7do vit e m\u00eb shum\u00eb skema e pensioneve \u00ebsht\u00eb duke thelluar \u201cborxhin\u201d. Kjo \u00ebsht\u00eb evidente edhe n\u00eb kushtet kur qeveria \u00ebsht\u00eb n\u00eb pamund\u00ebsi p\u00ebr t\u2019i rritur ato p\u00ebr vite me radh\u00eb, p\u00ebrve\u00e7 indeksimit.<\/p>\n
Skema funksionon n\u00eb m\u00ebnyr\u00eb t\u00eb till\u00eb, ku parat\u00eb e paguara nga punonj\u00ebsit sot kontribuojn\u00eb n\u00eb pensionin e nes\u00ebrm. Mosha e jet\u00ebgjat\u00ebsis\u00eb n\u00eb vend \u00ebsht\u00eb rritur, emigracioni \u00ebsht\u00eb thelluar dhe p\u00ebr her\u00eb t\u00eb par\u00eb vdekjet jan\u00eb m\u00eb t\u00eb larta se lindjet. T\u00eb gjith\u00eb k\u00ebto faktor\u00eb kan\u00eb sjell\u00eb rreth 35 mij\u00eb kontribues m\u00eb pak n\u00eb 2020-\u00ebn.<\/p>\n
N\u00eb nj\u00eb intervist\u00eb p\u00ebr Top News K\u00ebshilltari i P\u00ebrgjithsh\u00ebm pran\u00eb Fondit t\u00eb Pensioneve Private SIGAL, eksperti Naim Hasa komentoi situat\u00ebn e pensioneve n\u00eb vend dhe \u00e7far\u00eb duhet b\u00ebr\u00eb p\u00ebr p\u00ebrmir\u00ebsimin e skem\u00ebs n\u00eb m\u00ebnyr\u00eb q\u00eb qytetar\u00ebt t\u00eb ken\u00eb mund\u00ebsi t\u00eb marrin jo vet\u00ebm pensionin shtet\u00ebror n\u00eb mosh\u00ebn e tret\u00eb.<\/p>\n
Naim Hasa: <\/strong>Ajo q\u00eb t\u00eb ofron sistemi i sigurimeve shoq\u00ebrore nga viti n\u00eb vit kan\u00eb ardhur duke u p\u00ebrkeq\u00ebsuar si rrjedhoj\u00eb i nj\u00eb fenomeni mbar\u00ebkomb\u00ebtar, mbar\u00ebbot\u00ebror mund ta quajm\u00eb q\u00eb \u00ebsht\u00eb r\u00ebnia e ritmit t\u00eb lindjes, rritja e jet\u00ebgjat\u00ebsis\u00eb por edhe p\u00ebr Shqip\u00ebrin\u00eb nj\u00eb fenomen shum\u00eb i zhvilluar koh\u00ebt e fundit, emigracioni.<\/em> Ve\u00e7an\u00ebrisht emigracioni i moshave t\u00eb reja. <\/em><\/p>\n K\u00ebto situata kan\u00eb shtruar nevoj\u00ebn e reformimit t\u00eb sistemit t\u00eb sigurimeve shoq\u00ebrore. Nj\u00eb nga sistemet q\u00eb po vendoset sot n\u00eb Europ\u00eb e m\u00eb gjer\u00eb \u00ebsht\u00eb sistemi i alternuar i pensioneve, me dy komponent\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm: nj\u00eb sistem baz\u00eb, publik, i konsoliduar dhe nj\u00eb sistem privat, i zhvilluar, i detyruesh\u00ebm p\u00ebr brezin e ri dhe vullnetar p\u00ebr ato kategori e p\u00ebr t\u00eb gjith\u00eb personat q\u00eb d\u00ebshirojn\u00eb t\u00eb ken\u00eb nj\u00eb jet\u00eb t\u00eb qet\u00eb financiare n\u00eb mosh\u00ebn e tret\u00eb. <\/em><\/p>\n INSTAT raportoi pak dit\u00eb m\u00eb par\u00eb se deficiti i skem\u00ebs p\u00ebr pensionet e fshatit u rrit me 12.5% n\u00eb 2020-\u00ebn.<\/p>\n Sipas Has\u00ebs, skema e pensioneve n\u00eb fshat nuk mund t\u00eb quhet gj\u00eb tjet\u00ebr ve\u00e7se nj\u00eb skem\u00eb e ndihm\u00ebs ekonomike.<\/p>\n Naim Hasa: <\/strong>Duke i hedhur nj\u00eb sy skem\u00ebs s\u00eb sigurimeve shoq\u00ebrore n\u00eb fshat me t\u00eb drejt\u00eb nj\u00eb ekspert mund t\u00eb thot\u00eb se vet\u00ebm skem\u00eb sigurimesh nuk \u00ebsht\u00eb. Ajo p\u00ebrafron m\u00eb shum\u00eb me nj\u00eb skem\u00eb t\u00eb ndihm\u00ebs ekonomike. Mjafton t\u00eb thuash q\u00eb sot 80% e shpenzimeve q\u00eb b\u00ebhen n\u00eb fush\u00ebn e pensioneve n\u00eb fshat financohen nga kontributet q\u00eb derdh pjesa tjet\u00ebr. <\/em><\/p>\n Pas reform\u00ebs q\u00eb iu b\u00eb n\u00eb vitin 2014, sipas Naim Hasa, Shqip\u00ebria ka s\u00ebrish nevoj\u00eb s\u00ebrish p\u00ebr nd\u00ebrhyrje n\u00eb skem\u00ebn e pensioneve.<\/p>\n Naim Hasa<\/strong>: Nj\u00eb reform\u00eb e plot\u00eb q\u00eb mund ti thuash k\u00ebrkon nj\u00eb ndryshim t\u00eb sistemit.<\/em> Dhe ajo do t\u00eb ishte vendosja e sistemit t\u00eb detyruesh\u00ebm privat t\u00eb pensioneve. Kjo do t\u00eb b\u00ebnte q\u00eb brezat e rinj dhe brezat e ardhsh\u00ebm t\u00eb kishin nj\u00eb jet\u00eb m\u00eb t\u00eb qet\u00eb financiare.<\/em><\/p>\n P\u00ebr k\u00ebt\u00eb, z.Hasa mori si shembullin nism\u00ebn q\u00eb ka nd\u00ebrmarr\u00eb 10 vite m\u00eb par\u00eb shteti yn\u00eb fqinj Maqedonia e Veriut.<\/p>\n Naim Hasa: <\/strong>Ndarja e k\u00ebtij kontributi shoq\u00ebror k\u00ebrkon q\u00eb ky kontribut t\u00eb ndahet n\u00eb dy pjes\u00eb: kontribut shoq\u00ebror q\u00eb shkon p\u00ebr t\u00eb financuar skem\u00ebn e sigurimeve shoq\u00ebrore shtet\u00ebrore dhe nj\u00eb kontribut individual, vet\u00ebkapitalizues i cili shkon p\u00ebr t\u00eb paguar kontributet dhe fitimet q\u00eb ti ke realizuar nga sistemi privat i pensioneve. <\/em><\/p>\n P\u00ebr shembull, Maqedonia, para 10 vjet\u00ebsh, b\u00ebri k\u00ebt\u00eb reform\u00eb. Pra, futi n\u00eb sistemin e p\u00ebrgjithsh\u00ebm t\u00eb pensioneve edhe pensionet private, vet\u00ebkapitalizuese.<\/em><\/p>\n Kontributin e sigurimeve shoq\u00ebrore Maqedonia e ka 21%, Shqip\u00ebria e ka 21.6%. Ndau nga skema e sigurimeve shoq\u00ebrore 7% q\u00eb e kaloi n\u00eb skem\u00ebn e pensioneve private dhe 14% i la n\u00eb skem\u00ebn shtet\u00ebrore. Pra \u00e7do njeri derdh dy kontribute, nj\u00eb n\u00eb skem\u00ebn shtet\u00ebrore dhe nj\u00eb n\u00eb skem\u00ebn individuale, private. Dhe kur dalin n\u00eb pension do t\u00eb marrin dy pensione. <\/em><\/p>\n