{"id":55540,"date":"2023-09-04T12:20:02","date_gmt":"2023-09-04T12:20:02","guid":{"rendered":"https:\/\/rdnews.al\/?p=55540"},"modified":"2023-09-04T12:20:02","modified_gmt":"2023-09-04T12:20:02","slug":"iutecredit-mikrokredia-me-interesa-120-pse-hesht-banka-e-shqiperise","status":"publish","type":"post","link":"https:\/\/foltore.al\/index.php\/2023\/09\/04\/iutecredit-mikrokredia-me-interesa-120-pse-hesht-banka-e-shqiperise\/","title":{"rendered":"IuteCredit, mikrokredia me interesa 120%, pse hesht Banka e Shqip\u00ebris\u00eb?"},"content":{"rendered":"

Klodian Tomorri<\/strong><\/p>\n

Skema e mikrokredive n\u00eb Shqip\u00ebri \u00ebsht\u00eb shnd\u00ebrruar n\u00eb nj\u00eb k\u00ebnet\u00eb t\u00eb qelbur, e cila josh viktima n\u00eb spiralen e kredive grabitqare dhe pastaj p\u00ebrdor parat\u00eb e fituara p\u00ebr t\u00eb joshur edhe m\u00eb shum\u00eb viktima apo p\u00ebr t\u00eb heshtur rregullator\u00ebt. Konsideroni vet\u00ebm nj\u00eb fakt.<\/p>\n

Vitin e kaluar, IuteCredit Albania deklaroi n\u00eb bilancin e saj zyrtar 8.2 milion\u00eb euro shpenzime p\u00ebr reklama si dhe marketing dhe konsulenc\u00eb. Sipas pasqyrave financiare, kompania ka deklaruar p\u00ebrkat\u00ebsisht 1 milion\u00eb euro si shpenzime p\u00ebr publicitet dhe reklama si dhe 7.2 milion\u00eb euro t\u00eb tjera si shpenzime marketingu dhe konsulenc\u00eb.<\/p>\n

Sigurisht q\u00eb nj\u00eb biznes \u00ebsht\u00eb i lir\u00eb t\u2019i shpenzoj\u00eb si t\u00eb doj\u00eb parat\u00eb e veta. Por kjo \u00ebsht\u00eb nj\u00eb anomali e madhe financiare. P\u00ebr t\u00eb patur nj\u00eb ide se \u00e7far\u00eb do t\u00eb thot\u00eb kjo mjafton vet\u00ebm nj\u00eb fakt.<\/p>\n

Vodafone dhe One Albania kan\u00eb nj\u00eb buxhet vjetor marketingu q\u00eb luhatet nga 1.5 deri n\u00eb 3 milion\u00eb euro n\u00eb vit. IuteCredit deklaron shpenzime marketingu dhe publiciteti gati 3 her\u00eb m\u00eb t\u00eb larta se kompanit\u00eb celulare dhe 4 her\u00eb m\u00eb shum\u00eb se fitimi i saj i deklaruar. Pyetja \u00ebsht\u00eb a mund t\u00eb jet\u00eb mikrokredi kjo?<\/p>\n

Mikromjerim<\/strong><\/p>\n

Koncepti normal i mikrokredive \u00ebsht\u00eb ai i kompanive financiare jo banka q\u00eb japin kredi p\u00ebr shtresat t\u00eb cilat nuk kan\u00eb aksesin apo garancit\u00eb e nevojshme p\u00ebr t\u00eb marr\u00eb financime nga bankat. N\u00eb t\u00eb gjith\u00eb bot\u00ebn, pjesa d\u00ebrrmuese e skemave t\u00eb mikrokredive kan\u00eb karakter social, p\u00ebr t\u00eb ndihmuar shtresat m\u00eb t\u00eb marxhinalizuara t\u00eb shoq\u00ebris\u00eb q\u00eb t\u00eb krijojn\u00eb biznese dhe pun\u00ebsim.<\/p>\n

Pasi kredia kthehet ajo qarkullon p\u00ebr t\u00eb financuar nj\u00eb subjekt tjet\u00ebr e k\u00ebshtu me radh\u00eb p\u00ebr t\u00eb nxjerr\u00eb sa m\u00eb shum\u00eb njer\u00ebz nga var\u00ebf\u00ebria. Ndaj pjesa m\u00eb e madhe e tyre funksionojn\u00eb n\u00eb komunitetet rurale apo getot urbane.<\/p>\n

N\u00eb Shqip\u00ebri, IuteCredit dhe Kredo Financ\u00eb kan\u00eb me dhjetra deg\u00eb brenda unaz\u00ebs s\u00eb vog\u00ebl t\u00eb Tiran\u00ebs. N\u00eb mes t\u00eb qendr\u00ebs m\u00eb t\u00eb urbanizuar dhe m\u00eb t\u00eb fuqishme ekonomikisht t\u00eb vendit. A mund t\u00eb vazhdoj\u00eb Banka e Shqip\u00ebris\u00eb t\u00eb fshihet m\u00eb pas gishtit duke i klasifikuar k\u00ebto kompani si mikrokredi, kur ato n\u00eb v\u00ebrtet\u00eb nuk jan\u00eb t\u00eb tilla?<\/p>\n

Argumenti fals i tregut t\u00eb lir\u00eb<\/strong><\/p>\n

N\u00ebn mbules\u00ebn e mikrokreditit n\u00eb Shqip\u00ebri \u00ebsht\u00eb krijuar nj\u00eb skem\u00eb e mir\u00ebfillt\u00eb zhvatje q\u00eb funksionin si fajde e legalizuar me ligj, e cila ngarkon interesa deri n\u00eb 120 p\u00ebr qind mbi kredit\u00eb q\u00eb jep p\u00ebr qytetar\u00ebt. Dhe ata q\u00eb bien pre e tyre, jan\u00eb shtresat m\u00eb vulnerab\u00ebl t\u00eb shoq\u00ebris\u00eb apo njer\u00ebzit q\u00eb nuk kan\u00eb njohuri financiare.<\/p>\n

P\u00ebrballe presioneve t\u00eb forta nga shoq\u00ebria p\u00ebr t\u2019u dh\u00ebn\u00eb fund k\u00ebtyre skemave, argumenti kryesor i avokat\u00ebve t\u00eb grabiqar\u00ebve financiar\u00eb \u00ebsht\u00eb ai i tregut t\u00eb lir\u00eb. P\u00ebrderisa p\u00ebr nj\u00eb sh\u00ebrbim t\u00eb till\u00eb ka k\u00ebrkes\u00eb dhe \u00e7do gj\u00eb zhvillohet brenda ligjeve, at\u00ebher\u00eb pse duhen t\u00eb mbyllen k\u00ebto skema. Ky n\u00eb fakt edhe \u00ebsht\u00eb argumenti q\u00eb p\u00ebrdor Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb justifikuar mosnd\u00ebrhyrjen e saj kompromentuese.<\/p>\n

Por pyetja \u00ebsht\u00eb shum\u00eb e thjesht\u00eb. Treg t\u00eb lir\u00eb ka dhe p\u00ebr fajde. P\u00ebrderisa ka njer\u00ebz apo biznese q\u00eb shkojn\u00eb marrin para me fajde tek bandat apo kriminel\u00ebt, kjo do t\u00eb thot\u00eb se ekziston k\u00ebrkesa edhe p\u00ebr k\u00ebt\u00eb produkt. At\u00ebher\u00eb a duhen legalizuar fajdet\u00eb e bandave?<\/p>\n

Buxheti i joshjes apo\u2026?<\/strong><\/p>\n

P\u00ebr \u00e7far\u00eb i nj\u00eb kompani mikrokredie 8.2 milion\u00eb euro n\u00eb vit p\u00ebr reklama dhe konsulenc\u00eb? Dy jan\u00eb opsionet e p\u00ebrgjigjes s\u00eb k\u00ebsaj pyetje.<\/p>\n

E para \u00ebsht\u00eb q\u00eb po zhvillon nj\u00eb fushat\u00eb agresive marketingu p\u00ebr t\u00eb zgjeruar rrjetin dhe klientel\u00ebn e saj. Pra po josh sa m\u00eb shum\u00eb njer\u00ebz q\u00eb t\u00eb marrin borxhin e shtrenjt\u00eb q\u00eb ajo ofron. Kjo mund t\u00eb jet\u00eb ligjore, por a \u00ebsht\u00eb e d\u00ebshirueshme p\u00ebr shoq\u00ebrin\u00eb dhe interesin publik? K\u00ebt\u00eb p\u00ebrgjigje duhet ta jap\u00eb Banka e Shqip\u00ebris\u00eb, q\u00eb ka fshehur kok\u00ebn si struci.<\/p>\n

Opsioni i dyt\u00eb \u00ebsht\u00eb edhe m\u00eb i lig. A mos vall\u00eb k\u00ebto superbuxhete marketingu dhe konsulenc\u00eb p\u00ebrdoren p\u00ebr t\u00eb ndikuar median dhe vendimarrjen publike. T\u00eb par\u00ebve q\u00eb t\u00eb heshtin, nd\u00ebrsa t\u00eb dyt\u00ebve q\u00eb t\u00eb mbyllin syt\u00eb dhe t\u00eb mos veprojn\u00eb. Ne k\u00ebt\u00eb nuk e dim\u00eb. Por dim\u00eb me siguri di\u00e7ka tjet\u00ebr. Tek ky bilanci k\u00ebtu, Tatimet i kan\u00eb mbyllur syt\u00eb. Nd\u00ebrsa Banka e Shqip\u00ebris\u00eb ka koh\u00eb q\u00eb \u00ebsht\u00eb q\u00ebrruar. <\/p>\n","protected":false},"excerpt":{"rendered":"

Klodian Tomorri Skema e mikrokredive n\u00eb Shqip\u00ebri \u00ebsht\u00eb shnd\u00ebrruar n\u00eb nj\u00eb k\u00ebnet\u00eb t\u00eb qelbur, e cila josh viktima n\u00eb spiralen e kredive grabitqare dhe pastaj p\u00ebrdor parat\u00eb e fituara p\u00ebr t\u00eb joshur edhe m\u00eb shum\u00eb viktima apo p\u00ebr t\u00eb heshtur rregullator\u00ebt. Konsideroni vet\u00ebm nj\u00eb fakt. Vitin e kaluar, IuteCredit Albania deklaroi n\u00eb bilancin e saj …<\/p>\n","protected":false},"author":4,"featured_media":55541,"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":[46],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/55540"}],"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=55540"}],"version-history":[{"count":0,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/55540\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media\/55541"}],"wp:attachment":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media?parent=55540"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/categories?post=55540"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/tags?post=55540"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}