{"id":5655,"date":"2020-07-28T08:25:13","date_gmt":"2020-07-28T08:25:13","guid":{"rendered":"https:\/\/investment.com.al\/2020\/07\/28\/perdorimi-efikas-i-skemave-publike-per-garantimin-e-kredive-rrit-mundesine-e-financimit-te-ndermarrjeve-te-vogla-dhe-te-mesme-ne-shqiperi\/"},"modified":"2023-01-10T09:43:42","modified_gmt":"2023-01-10T09:43:42","slug":"perdorimi-efikas-i-skemave-publike-per-garantimin-e-kredive-rrit-mundesine-e-financimit-te-ndermarrjeve-te-vogla-dhe-te-mesme-ne-shqiperi","status":"publish","type":"post","link":"https:\/\/www.investment.com.al\/sq\/perdorimi-efikas-i-skemave-publike-per-garantimin-e-kredive-rrit-mundesine-e-financimit-te-ndermarrjeve-te-vogla-dhe-te-mesme-ne-shqiperi\/","title":{"rendered":"P\u00ebrdorimi Efikas i Skemave Publike p\u00ebr Garantimin e Kredive Rrit Mund\u00ebsin\u00eb e Financimit t\u00eb Nd\u00ebrmarrjeve t\u00eb Vogla dhe t\u00eb Mesme n\u00eb Shqip\u00ebri"},"content":{"rendered":"
Korrik 27, 2020<\/div>\n

Tiran\u00eb, 27 korrik 2020<\/b> – Nd\u00ebrmarrjet mikro, t\u00eb vogla dhe t\u00eb mesme (NMVM) n\u00eb Shqip\u00ebri jan\u00eb kontribuese t\u00eb r\u00ebnd\u00ebsishme n\u00eb ekonomin\u00eb shqiptare, duke p\u00ebrfaq\u00ebsuar 99.8 p\u00ebrqind t\u00eb nd\u00ebrmarrjeve aktive. Ata kan\u00eb pun\u00ebsuar 79.8 p\u00ebrqind t\u00eb fuqis\u00eb pun\u00ebtore dhe realizojn\u00eb rreth 69 p\u00ebrqind t\u00eb vler\u00ebs s\u00eb shtuar. Zakonisht ky sektor karakterizohet nga informaliteti i lart\u00eb (ve\u00e7an\u00ebrisht n\u00eb bujq\u00ebsi), disponueshm\u00ebria e kufizuar e kolateralit dhe nivelet e ul\u00ebta t\u00eb kapacitetit financiar. Qasja e kufizuar tek financimet, ve\u00e7an\u00ebrisht tek kredit\u00eb bankare, p\u00ebrb\u00ebn nj\u00eb sfid\u00eb p\u00ebr NMVM-t\u00eb n\u00eb Shqip\u00ebri.<\/p>\n

Sot K\u00ebshilli i Investimeve n\u00eb Shqip\u00ebri, Ministria e Financave dhe Ekonomis\u00eb dhe Banka Bot\u00ebrore organizuan nj\u00eb seminar t\u00eb p\u00ebrbashk\u00ebt virtual p\u00ebr t\u00eb paraqitur gjetjet kryesore t\u00eb Raportit t\u00eb Bank\u00ebs Bot\u00ebrore “Vler\u00ebsimi i Skem\u00ebs p\u00ebr Garantimin e Kredis\u00eb n\u00eb Shqip\u00ebri” si edhe p\u00ebr t\u00eb diskutuar n\u00eb lidhje me m\u00ebnyrat e p\u00ebrmir\u00ebsimit t\u00eb qasjes s\u00eb NMVM-ve tek financimet p\u00ebrmes k\u00ebtyre skemave, duke i b\u00ebr\u00eb ato m\u00eb efikase dhe efektive.<\/b><\/p>\n

Z\u00ebvend\u00ebs Ministrja e Financave dhe Ekonomis\u00eb, Znj. Belinda Ikonomi b\u00ebri nj\u00eb p\u00ebrmbledhje t\u00eb shkurt\u00ebr t\u00eb skemave t\u00eb qeveris\u00eb aktuale p\u00ebr garantimin e kredis\u00eb (SGK). “Gjat\u00eb nj\u00eb cikli ekonomik n\u00eb r\u00ebnie t\u00eb shkaktuar nga pandemia e koronavirusit (COVID-19), e cila i ka p\u00ebrkeq\u00ebsuar m\u00eb tej nevojat p\u00ebr financim t\u00eb NMVM-ve,” tha Znj. Belinda Ikonomi, Z\u00ebvend\u00ebs Ministre e Financave dhe Ekonomis\u00eb, “skemat p\u00ebr Garantimin e Kredive treguan q\u00eb ishin shum\u00eb efektive dhe t\u00eb dobishme p\u00ebr NMVM-t\u00eb. ”<\/p>\n

Duke vler\u00ebsuar programet e sh\u00ebnjestruara t\u00eb emergjenc\u00ebs p\u00ebr garantimin e kredis\u00eb t\u00eb p\u00ebrgatitura nga qeveria n\u00eb p\u00ebrgjigje t\u00eb kriz\u00ebs s\u00eb shkaktuar nga COVID-19, Drejtoresha e Bank\u00ebs Bot\u00ebrore p\u00ebr Shqip\u00ebrin\u00eb tha q\u00eb “Me kalimin e koh\u00ebs do t\u00eb ishte e r\u00ebnd\u00ebsishme q\u00eb k\u00ebto skema t\u00eb shnd\u00ebrrohen n\u00eb nj\u00eb Skem\u00eb t\u00eb rregullt publike p\u00ebr Garantimin e Kredive p\u00ebr t\u00eb favorizuar rim\u00ebk\u00ebmbjen ekonomike dhe p\u00ebr t\u00eb adresuar hendekun e financimit p\u00ebr NMVM-t\u00eb\u201d.<\/p>\n

Ekspert\u00ebt e Bank\u00ebs Bot\u00ebrore prezantuan rekomandimet kryesore t\u00eb raportit t\u00eb Vler\u00ebsimit t\u00eb Skemave p\u00ebr Garantimin e Kredis\u00eb, duke theksuar se skemat e mir\u00eb-projektuara b\u00ebjn\u00eb t\u00eb mundur financimin e klient\u00ebve t\u00eb besuesh\u00ebm, t\u00eb cil\u00ebve do t’u ishte refuzuar kredia n\u00eb munges\u00eb t\u00eb kolateralit t\u00eb mjaftuesh\u00ebm. SGK-t\u00eb jan\u00eb mjete t\u00eb r\u00ebnd\u00ebsishme p\u00ebr t\u00eb adresuar d\u00ebshtimet e tregut, t\u00eb cilat i pengojn\u00eb ose i kufizojn\u00eb nd\u00ebrmarrjet nga qasja tek kredit\u00eb. P\u00ebrve\u00e7 k\u00ebsaj, ata ndan\u00eb me pjes\u00ebmarr\u00ebsit edhe gjetjet e analiz\u00ebs m\u00eb t\u00eb fundit granulare t\u00eb t\u00eb dh\u00ebnave t\u00eb agreguara t\u00eb Regjistrit t\u00eb Kredive n\u00eb Shqip\u00ebri n\u00eb nivel kredie.<\/p>\n

Sekretariati i K\u00ebshillit t\u00eb Investimeve n\u00eb Shqip\u00ebri prezantoi disa t\u00eb dh\u00ebna lokale n\u00eb lidhje me aksesin n\u00eb financimi p\u00ebr bizneset shqiptare, bazuar n\u00eb gjetjet e Anket\u00ebs s\u00eb zhvilluar nga ata gjat\u00eb p\u00ebriudh\u00ebs mars -maj 2020 n\u00eb lidhje me ndikimin e Covid-19 tek biznesi. Sipas k\u00ebtij studimi, NVM-t\u00eb vazhdojn\u00eb t’i konsiderojn\u00eb bankat si opsion t\u00eb tret\u00eb p\u00ebr mb\u00ebshtetje, pavar\u00ebsisht p\u00ebrpjekjeve intensive t\u00eb nd\u00ebrmarra koh\u00ebt e fundit.<\/p>\n

P\u00ebrfaq\u00ebsuesit nga sektori privat e vler\u00ebsuan k\u00ebt\u00eb moment si shum\u00eb t\u00eb r\u00ebnd\u00ebsish\u00ebm dhe theksuan nevoj\u00ebn p\u00ebr transparenc\u00eb dhe nd\u00ebrgjegj\u00ebsim m\u00eb t\u00eb lart\u00eb n\u00eb lidhje me SGK-t\u00eb ekzistuese n\u00eb vend. Ata theksuan se p\u00ebrmir\u00ebsimi i aksesit n\u00eb financimp\u00ebr NMVM-t\u00eb n\u00eb vend duhet t\u00eb adresohet n\u00eb m\u00ebnyr\u00eb holistike dhe strategjike, duke adresuar nj\u00ebkoh\u00ebsisht edhe ofert\u00ebn dhe k\u00ebrkes\u00ebn.<\/b><\/p>\n

N\u00eb k\u00ebt\u00eb aktivitet virtual mor\u00ebn pjes\u00eb rreth 50 p\u00ebrfaq\u00ebsues nga sektori publik, bankat e zhvillimit\/ institucionet financiare, partner\u00ebt p\u00ebr zhvillim, Programi Italo-Shqiptar p\u00ebr Financimin e SME-ve, si dhe p\u00ebrfaq\u00ebsues t\u00eb bankave lokale t\u00eb nivelit t\u00eb dyt\u00eb dhe institucioneve mikrofinanciare.<\/p>\n

Materialet e mbledhjes n\u00eb anglisht:<\/p>\n