{"id":226464,"date":"2026-01-27T07:54:31","date_gmt":"2026-01-27T06:54:31","guid":{"rendered":"https:\/\/radiostargjilan.com\/web\/?p=226464"},"modified":"2026-01-27T07:54:31","modified_gmt":"2026-01-27T06:54:31","slug":"rritje-historike-e-kredive-ne-kosove-arrijne-ne-2-684-miliarde-euro","status":"publish","type":"post","link":"https:\/\/radiostargjilan.com\/web\/rritje-historike-e-kredive-ne-kosove-arrijne-ne-2-684-miliarde-euro\/","title":{"rendered":"Rritje historike e kredive n\u00eb Kosov\u00eb, arrijn\u00eb n\u00eb 2.684 miliard\u00eb euro"},"content":{"rendered":"<p>Rritje historike e kredive n\u00eb Kosov\u00eb, arrijn\u00eb n\u00eb 2.684 miliard\u00eb euro<\/p>\n<p>Lajme<\/p>\n<p>Gazeta Express27\/01\/2026 7:37<br \/>\nVlera e kredive t\u00eb reja t\u00eb dh\u00ebna nga bankat n\u00eb Kosov\u00eb gjat\u00eb vitit 2025 arriti n\u00eb 2.684 miliard\u00eb euro, duke sh\u00ebnuar nj\u00eb rritje prej 3.8 p\u00ebr qind krahasuar me vitin paraprak.<\/p>\n<p>Qytetar\u00ebt e Kosov\u00ebs po marrin m\u00eb shum\u00eb kredi se kurr\u00eb m\u00eb par\u00eb.<\/p>\n<p>Viti 2025 e gjeti tregun bankar n\u00eb ngritje, me mbi 2.684 miliard\u00eb euro kredi t\u00eb reja, teksa interesat nis\u00ebn t\u00eb l\u00ebvizin ngadal\u00eb pas disa viteve stabiliteti.<\/p>\n<p>Vlera e kredive t\u00eb reja t\u00eb dh\u00ebna nga bankat n\u00eb Kosov\u00eb gjat\u00eb vitit 2025 arriti n\u00eb 2.684 miliard\u00eb euro, duke sh\u00ebnuar nj\u00eb rritje prej 3.8 p\u00ebr qind krahasuar me vitin paraprak (2024), kur kjo vler\u00eb ishte 2.587 miliard\u00eb euro.<\/p>\n<p>Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs, kjo \u00ebsht\u00eb shifra m\u00eb e lart\u00eb e kredive t\u00eb reja t\u00eb regjistruar ndonj\u00ebher\u00eb n\u00eb vend, duke reflektuar nj\u00eb aktivitet t\u00eb shtuar kreditues si n\u00eb sektorin e ekonomis\u00eb familjare ashtu edhe at\u00eb t\u00eb biznesit.<\/p>\n<p>T\u00eb dh\u00ebnat p\u00ebr kredit\u00eb e reja n\u00eb Kosov\u00eb (2015\u20132025):<\/p>\n<p>2015 \u2013 1.102 mln \u20ac | 8.3% interes<\/p>\n<p>2016 \u2013 1.025 mln \u20ac | 7.5%<\/p>\n<p>2017 \u2013 1.293 mln \u20ac | 6.8%<\/p>\n<p>2018 \u2013 1.367 mln \u20ac | 6.6%<\/p>\n<p>2019 \u2013 1.441 mln \u20ac | 6.5%<\/p>\n<p>2020 \u2013 1.468 mln \u20ac | 6.2%<\/p>\n<p>2021 \u2013 1.805 mln \u20ac | 6.0%<\/p>\n<p>2022 \u2013 1.922 mln \u20ac | 6.0%<\/p>\n<p>2023 \u2013 2.113 mln \u20ac | 6.5%<\/p>\n<p>2024 \u2013 2.587 mln \u20ac | 6.1%<\/p>\n<p>2025 \u2013 2.684 mln \u20ac | 6.4%<\/p>\n<p>N\u00eb an\u00ebn tjet\u00ebr, \u00ebsht\u00eb v\u00ebrejtur nj\u00eb rritje e norm\u00ebs efektive t\u00eb interesit p\u00ebr k\u00ebto kredi t\u00eb reja \u2013 nga 6.1 p\u00ebr qind n\u00eb vitin 2024, n\u00eb 6.4 p\u00ebr qind n\u00eb vitin 2025. Edhe pse rritja \u00ebsht\u00eb e leht\u00eb, ajo sinjalizon nj\u00eb kthes\u00eb t\u00eb mundshme pas disa viteve me interesa t\u00eb ul\u00ebta historike.<\/p>\n<p>N\u00eb periudh\u00ebn dhjet\u00ebvje\u00e7are 2015\u20132025, tregu bankar n\u00eb Kosov\u00eb ka njohur nj\u00eb zgjerim t\u00eb q\u00ebndruesh\u00ebm: nga 1.1 miliard euro kredi t\u00eb reja n\u00eb vitin 2015, n\u00eb pothuajse 2.7 miliard euro n\u00eb vitin 2025, nd\u00ebrsa normat mesatare t\u00eb interesit kan\u00eb r\u00ebn\u00eb ndjesh\u00ebm nga 8.3 p\u00ebr qind n\u00eb vitin 2015 n\u00eb rreth 6.4 p\u00ebr qind vitin e fundit.<\/p>\n<p>Sipas t\u00eb dh\u00ebnave zyrtare, totali i kredive \u00ebsht\u00eb rritur nga 3,2 miliard\u00eb euro n\u00eb vitin 2020, n\u00eb mbi 6,4 miliard\u00eb euro deri n\u00eb mesin e vitit 2025. Nd\u00ebrkoh\u00eb, normat mesatare t\u00eb interesit kan\u00eb l\u00ebvizur nga 6% n\u00eb vitin 2020, n\u00eb 6,38% n\u00eb vitin 2025.<\/p>\n<p>Vlera e kredive nder vite<\/p>\n<p>2020 3,20 miliard\u00eb \u20ac<\/p>\n<p>2021 3,70 miliard\u00eb \u20ac<\/p>\n<p>2022 3,30 miliard\u00eb \u20ac<\/p>\n<p>2023 4,90 miliard\u00eb \u20ac<\/p>\n<p>2024 5,80 miliard\u00eb \u20ac<\/p>\n<p>2025 6,40 miliard\u00eb \u20ac<\/p>\n<p>Bankat komerciale n\u00eb Kosov\u00eb i p\u00ebrcaktojn\u00eb individualisht normat e interesit dhe t\u00eb depozitave, duke u bazuar n\u00eb politikat e tyre afariste, dhe BQK-ja nuk ka t\u00eb drejt\u00eb t\u00eb nd\u00ebrhyj\u00eb direkt te to.<\/p>\n<p>N\u00eb Kosov\u00eb operojn\u00eb dhjet\u00eb banka komerciale. Numri i kartelave debit n\u00eb vitin 2024 kishte arritur n\u00eb 1.4 milion, kurse i kartelave t\u00eb kreditit n\u00eb rreth 195 mij\u00eb.<\/p>\n<p>N\u00eb nivel vendi jan\u00eb 635 bankomat\u00eb [aparate bankare p\u00ebr t\u00ebrheqje t\u00eb parave], dhe 20.913 terminale POS, ku qytetar\u00ebt mund t\u00eb b\u00ebjn\u00eb pagesa me kartel\u00eb n\u00eb dyqane. \/Monitor\/<\/p>\n<p><a href=\"https:\/\/radiostargjilan.com\/web\/wp-content\/uploads\/2026\/01\/IMG_1685.jpeg\"><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/radiostargjilan.com\/web\/wp-content\/uploads\/2026\/01\/IMG_1685.jpeg\" alt=\"\" width=\"516\" height=\"590\" class=\"alignnone size-full wp-image-226465\" srcset=\"https:\/\/radiostargjilan.com\/web\/wp-content\/uploads\/2026\/01\/IMG_1685.jpeg 516w, https:\/\/radiostargjilan.com\/web\/wp-content\/uploads\/2026\/01\/IMG_1685-262x300.jpeg 262w\" sizes=\"auto, (max-width: 516px) 100vw, 516px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rritje historike e kredive n\u00eb Kosov\u00eb, arrijn\u00eb n\u00eb 2.684 miliard\u00eb euro Lajme Gazeta Express27\/01\/2026 7:37 Vlera e kredive t\u00eb reja t\u00eb dh\u00ebna nga bankat n\u00eb Kosov\u00eb gjat\u00eb vitit 2025 arriti n\u00eb 2.684 miliard\u00eb euro, duke sh\u00ebnuar nj\u00eb rritje prej 3.8 p\u00ebr qind krahasuar me vitin paraprak. Qytetar\u00ebt e Kosov\u00ebs po marrin m\u00eb shum\u00eb kredi se [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":226466,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[120],"tags":[],"class_list":{"0":"post-226464","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi"},"_links":{"self":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts\/226464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/comments?post=226464"}],"version-history":[{"count":1,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts\/226464\/revisions"}],"predecessor-version":[{"id":226467,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/posts\/226464\/revisions\/226467"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/media\/226466"}],"wp:attachment":[{"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/media?parent=226464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/categories?post=226464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/radiostargjilan.com\/web\/wp-json\/wp\/v2\/tags?post=226464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}