{"id":32541,"date":"2022-12-02T09:12:18","date_gmt":"2022-12-02T08:12:18","guid":{"rendered":"https:\/\/amcham.com.al\/?p=32541"},"modified":"2022-12-02T09:12:32","modified_gmt":"2022-12-02T08:12:32","slug":"interviste-me-elton-collaku-administrator-i-unionit-financiar-tirane-uft","status":"publish","type":"post","link":"https:\/\/amcham.com.al\/sq\/interviste-me-elton-collaku-administrator-i-unionit-financiar-tirane-uft\/","title":{"rendered":"Intervist\u00eb me Elton \u00c7ollaku, Administrator i Unionit Financiar Tiran\u00eb (UFT)"},"content":{"rendered":"\n
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  1. Banka e Shqip\u00ebrise ka b\u00ebr\u00eb t\u00eb ditur se n\u00eb 2021 u sh\u00ebnua niveli m\u00eb i lart\u00eb q\u00eb prej 2009 i reminetancave, me nj\u00eb vler\u00eb prej 761 milion euro.  Si e vler\u00ebsoni ju nga ecuria juaj e pun\u00ebs?<\/strong><\/li>\n<\/ol>\n\n\n\n

    T\u00eb dh\u00ebnat operacionale t\u00eb UFT tregojn\u00eb se gjat\u00eb viteve t\u00eb fundit, fluksi i d\u00ebrgesave\/remitancave n\u00eb drejtim t\u00eb Shqip\u00ebris\u00eb ka njohur rritje t\u00eb r\u00ebnd\u00ebsishme.<\/p>\n\n\n\n

    N\u00eb opinionin tim jan\u00eb nj\u00eb num\u00ebr faktor\u00ebsh q\u00eb kan\u00eb \u00e7uar n\u00eb k\u00ebt\u00eb tendenc\u00eb t\u00eb remitancave. Nj\u00eb nga arsyet kryesore patjet\u00ebr ka t\u00eb b\u00ebj\u00eb me rikthimin e trendeve migratore t\u00eb shqiptar\u00ebve drejt vendeve t\u00eb zhvilluara n\u00eb vitet e fundit, gj\u00eb q\u00eb ka ndikuar n\u00eb rifreskimin e diaspor\u00ebs shqiptare n\u00eb vendet per\u00ebndimore dhe rrjedhimisht ka reflektuar n\u00eb nj\u00eb efekt pozitiv n\u00eb flukset e remitancave n\u00eb Shqip\u00ebri.<\/p>\n\n\n\n

    Nevoja e shtuar p\u00ebr mb\u00ebshtetje financiare ndaj familjeve t\u00eb tyre n\u00eb Shqip\u00ebri gjat\u00eb periudh\u00ebs s\u00eb pandemis\u00eb COVID-19, gjat\u00eb viteve 2020-2021 ka qen\u00eb nj\u00eb nga arsyet e rritjes s\u00eb fluksit t\u00eb remitancave n\u00eb vend!<\/p>\n\n\n\n

    Kjo tendenc\u00eb gjat\u00eb pandemis\u00eb \u00e7oi n\u00eb reduktimin e p\u00ebrdorimit t\u00eb kanaleve informale, si rrjedhoj\u00eb e kufizimit t\u00eb l\u00ebvizjeve mes shteteve, duke sjell\u00eb rritje t\u00eb ndjeshme t\u00eb kanalizimit t\u00eb remitancave nga rrug\u00ebt joformale n\u00eb ato formale\/zyrtare tek i gjith\u00eb rrjeti i operator\u00ebve financiar\u00eb n\u00eb vend.<\/p>\n\n\n\n

    Gjat\u00eb periudh\u00ebs s\u00eb pandemis\u00eb, transfertat online sh\u00ebnuan rritje eksponenciale, duke ndikuar direkt n\u00eb rritjen e volumit t\u00eb transfertave drejt Shqip\u00ebris\u00eb. Kjo u favorizua padyshim, edhe nga tarifat shum\u00eb t\u00eb ul\u00ebta t\u00eb ofruara n\u00eb sh\u00ebrbimet online t\u00eb operator\u00ebve t\u00eb transfertave t\u00eb parave.<\/p>\n\n\n\n

    Ajo q\u00eb kemi konstatuar gjat\u00eb viteve t\u00eb fundit \u00ebsht\u00eb rritja e ndjeshme e m\u00ebnyr\u00ebs s\u00eb transferimit t\u00eb parave, duke p\u00ebrdorur kanalet online dhe ruajtja e niveleve t\u00eb transaksioneve q\u00eb kryhen n\u00eb agjenci fizike. WESTERN UNION prej vitesh ka hedhur n\u00eb treg sh\u00ebrbimin e transfertave online t\u00eb parave, duke mund\u00ebsuar d\u00ebrgesat e parave me tarifa shum\u00eb t\u00eb ul\u00ebta, pa pasur nevoj\u00ebn e pranis\u00eb fizike, gj\u00eb q\u00eb ka sjell\u00eb rritjen e volumeve t\u00eb transfertave. <\/p>\n\n\n\n

    Gjithashtu aplikohen nivele mjaft ekonomike tarifash edhe p\u00ebr transaksionet q\u00eb kryhen n\u00eb rrjetin fizik t\u00eb agjencive Western Union, duke b\u00ebr\u00eb t\u00eb mundur ofrimin e sh\u00ebrbimit p\u00ebr nj\u00eb pjes\u00eb shum\u00eb t\u00eb madhe t\u00eb klientel\u00ebs, q\u00eb ndihet komode me k\u00ebt\u00eb m\u00ebnyr\u00eb sh\u00ebrbimi.<\/p>\n\n\n\n

    Prania fizike n\u00eb Shqip\u00ebri, me nj\u00eb rrjet tejet t\u00eb gjer\u00eb pikash sh\u00ebrbimi, duke mbuluar edhe zonat m\u00eb rurale, si dhe ofrimi i nj\u00eb sh\u00ebrbimi cil\u00ebsor, ka ndikuar n\u00eb aksesin edhe m\u00eb t\u00eb gjer\u00eb t\u00eb popullsis\u00eb n\u00eb sh\u00ebrbimet financiare, duke ndikuar automatikisht pozitivisht edhe n\u00eb flukset e remitancave.<\/p>\n\n\n\n

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    • \u00c7far\u00eb produktesh dhe sh\u00ebrbimesh ofron tregu financiar p\u00ebr kategorin\u00eb e emigrant\u00ebve dhe konkretisht si i sh\u00ebrben k\u00ebsaj kategorie Western Union?<\/strong><\/li>\n<\/ul>\n\n\n\n

      Western Union \u00ebsht\u00eb lider global n\u00eb transfertat e parave dhe shum\u00eb sh\u00ebrbime t\u00eb tjera pagesash kudo n\u00eb bot\u00eb. Me 170 vite eksperienc\u00eb, platforma e Western Union mund\u00ebson l\u00ebvizjen e paras\u00eb n\u00eb mbi 200 shtete dhe territore kudo n\u00eb bot\u00eb duke lidhur k\u00ebshtu jo vet\u00ebm emigrant\u00ebt me familjet e tyre, por edhe bizneset, institucionet financiare, etj. n\u00ebp\u00ebrmjet rrjetit gjigand t\u00eb pikave t\u00eb sh\u00ebrbimit kudo n\u00eb bot\u00eb, aksesit t\u00eb llogarive bankare, e-wallets dhe kartave.<\/p>\n\n\n\n

      Me rritjen e p\u00ebrdorimit t\u00eb sh\u00ebrbimeve online Western Union ka p\u00ebrshtatur edhe sh\u00ebrbimet e tij p\u00ebr t\u2019iu p\u00ebrshtatur zhvillimeve teknologjike dhe p\u00ebr t\u2019iu ofruar emigrant\u00ebve m\u00eb shum\u00eb leht\u00ebsi e diversitet. Edhe n\u00eb Shqip\u00ebri ne kemi vite tashm\u00eb q\u00eb mund\u00ebsojm\u00eb ofrimin e sh\u00ebrbimeve dixhitale online, sikurse dhe sh\u00ebrbime t\u00eb tjera t\u00eb cilat lan\u00e7ohen n\u00eb m\u00ebnyr\u00eb t\u00eb vazhdueshme p\u00ebr klient\u00ebt tan\u00eb shoq\u00ebruar gjithmon\u00eb me tarifa edhe m\u00eb ekonomike, duke mund\u00ebsuar q\u00eb Western Union t\u00eb jet\u00eb lider n\u00eb tregun e remitancave.<\/p>\n\n\n\n

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      • Mendoni se ekonomia e vendit dhe tregu financiar n\u00eb vend do t\u00eb vazhdoj\u00eb t\u00eb mb\u00ebshtetet tek reminetancat?<\/strong><\/li>\n<\/ul>\n\n\n\n

        N\u00eb parim, si fenomen i lidhur n\u00eb m\u00ebnyr\u00eb t\u00eb padiskutueshme me emigracionin, ecuria e remitancave lidhet drejtp\u00ebrdrejt me trendet migratore t\u00eb nj\u00eb vendi, ku nivelet e larta t\u00eb emigrimit t\u00eb popullsis\u00eb shoq\u00ebrohen me flukse remitancash, t\u00eb cilat d\u00ebrgohen nga emigrant\u00ebt p\u00ebr t\u00eb mb\u00ebshtetur familjar\u00ebt n\u00eb vendet e origjin\u00ebs. Me kalimin e viteve dhe me inkuadrimin e k\u00ebsaj kategorie (emigrant\u00ebve) n\u00eb jet\u00ebn dhe shoq\u00ebrin\u00eb e vendit ku kan\u00eb emigruar, v\u00ebrehet nj\u00eb lloj stabiliteti i remitancave dhe r\u00ebnie e tyre dhe zakonisht ky \u00ebsht\u00eb nj\u00eb cik\u00ebl 10-15-vje\u00e7ar. N\u00eb k\u00ebt\u00eb kontekst, edhe n\u00eb Shqip\u00ebri, trendi i remitancave \u201cka ndjekur\u201d parimin e m\u00ebsip\u00ebrm.<\/p>\n\n\n\n

        Vitet e fundit, si rezultat i tendencave t\u00eb reja migratore t\u00eb shqiptar\u00ebve drejt vendeve t\u00eb Europ\u00ebs  per\u00ebndimore, kan\u00eb sjell\u00eb edhe nj\u00eb \u201crifreskim\u201d t\u00eb diaspor\u00ebs shqiptare n\u00eb Per\u00ebndim. Si rrjedhoj\u00eb, v\u00ebrehet nj\u00eb prirje pozitive e remitancave, e cila lidhet n\u00eb m\u00ebnyr\u00eb t\u00eb drejtp\u00ebrdrejt\u00eb me k\u00ebto tendenca migratore dhe mb\u00ebshtetjen e emigrant\u00ebve p\u00ebr familjet e tyre n\u00eb Shqip\u00ebri.<\/p>\n\n\n\n

        Referuar edhe p\u00ebrvojave t\u00eb tregut, mendoj se edhe n\u00eb vitet e ardhsh\u00ebm, si rrjedhoj\u00eb e fenomenit t\u00eb m\u00ebsip\u00ebrm, do t\u00eb vijoj\u00eb t\u00eb ket\u00eb nj\u00eb trend pozitiv dhe t\u00eb q\u00ebndruesh\u00ebm t\u00eb flukseve t\u00eb remitancave n\u00eb vend. K\u00ebto fonde jan\u00eb t\u00eb domosdoshme p\u00ebr jetes\u00ebn e shum\u00eb familjeve dhe t\u00eb ekonomis\u00eb shqiptare n\u00eb t\u00ebr\u00ebsi.<\/p>\n\n\n\n

        Remitancat, nd\u00ebr vite, kan\u00eb pasur nj\u00eb pesh\u00eb mes 8% – 13% t\u00eb PBB-s\u00eb, gj\u00eb q\u00eb e b\u00ebn t\u00eb qart\u00eb ndikimin shum\u00eb t\u00eb madh q\u00eb kan\u00eb n\u00eb ekonomin\u00eb shqiptare. Vler\u00ebsohet se, af\u00ebrsisht nj\u00eb e kat\u00ebrta e familjeve shqiptare kan\u00eb var\u00ebsi t\u00eb plot\u00eb nga remitancat.<\/p>\n\n\n\n

          \n
        • Si e vler\u00ebsoni kuadrin ligjor p\u00ebr zhvillimin e tregut financiar n\u00eb vend?<\/strong><\/li>\n<\/ul>\n\n\n\n

          N\u00eb perceptimin personal, Banka e Shqip\u00ebris\u00eb nuk ka qen\u00eb asnj\u00ebher\u00eb penguese\/frenuese p\u00ebr t\u00eb licencuar aktor\u00eb t\u00eb rinj q\u00eb plot\u00ebsonin k\u00ebrkesat ekzistuese ligjore dhe rregullative. N\u00eb k\u00ebt\u00eb kuptim, mendoj se Banka e Shqip\u00ebris\u00eb ka luajtur rol pozitiv n\u00eb drejtim t\u00eb nxitjes s\u00eb konkurrenc\u00ebs n\u00eb tregun e sh\u00ebrbimeve financiare n\u00eb vend.<\/p>\n\n\n\n

          Ligji i ri \u201cP\u00ebr sh\u00ebrbimet e pagesave\u201d p\u00ebrafron direktiv\u00ebn e dyt\u00eb europiane t\u00eb pagesave PSD2 dhe \u00ebsht\u00eb nj\u00eb hap i r\u00ebnd\u00ebsish\u00ebm, sepse u krijon m\u00eb shum\u00eb mund\u00ebsi kompanive fintech p\u00ebr t\u00eb dep\u00ebrtuar dhe p\u00ebr t\u00eb zgjeruar aktivitetin n\u00eb treg. Ai rrit nj\u00ebkoh\u00ebsisht bashk\u00ebpunimin me bankat e nivelit t\u00eb dyt\u00eb, \u00ebsht\u00eb nj\u00eb dritare m\u00eb tep\u00ebr p\u00ebr institucionet financiare. Mendoj se kjo \u00ebsht\u00eb nj\u00eb hallk\u00eb e domosdoshme dhe shtyt\u00ebse n\u00eb k\u00ebt\u00eb industri, edhe p\u00ebr faktin se bankat tradicionalisht jan\u00eb m\u00eb t\u00eb ngurta kur b\u00ebhet fjal\u00eb p\u00ebr bashk\u00ebpunime apo integrime sistemesh, edhe p\u00ebr shkak t\u00eb profilit dhe fokusit t\u00eb tyre.<\/p>\n\n\n\n

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          • \u00c7far\u00eb do t\u00eb sugjeronit ju t\u00eb p\u00ebrmir\u00ebsohej?<\/strong><\/li>\n<\/ul>\n\n\n\n

            Implementimi i Ligjit t\u00eb Pagesave mund t\u00eb sjell\u00eb impakt pozitiv n\u00eb tregun e sh\u00ebrbimeve financiare. Nd\u00ebrkoh\u00eb, thelb\u00ebsore mbetet rritja e p\u00ebrpjekjeve p\u00ebr t\u00eb patur nj\u00eb ambient ku mbizot\u00ebron konkurrenca e ndershme dhe eleminimi i informalitetit. P\u00ebrmir\u00ebsimi i kapaciteteve profesionale t\u00eb administrat\u00ebs publike \u00ebsht\u00eb gjithashtu nj\u00eb pjes\u00eb shum\u00eb e r\u00ebnd\u00ebsishme dhe me ndikim t\u00eb madh n\u00eb ecurin\u00eb e procesit.<\/p>\n\n\n\n

            Sa m\u00eb sip\u00ebr jan\u00eb ngritur si shqet\u00ebsime edhe nga Dhoma Amerikane e Tregtis\u00eb.<\/p>\n","protected":false},"excerpt":{"rendered":"

            T\u00eb dh\u00ebnat operacionale t\u00eb UFT tregojn\u00eb se gjat\u00eb viteve t\u00eb fundit, fluksi i d\u00ebrgesave\/remitancave n\u00eb drejtim t\u00eb Shqip\u00ebris\u00eb ka njohur rritje t\u00eb r\u00ebnd\u00ebsishme. N\u00eb opinionin tim jan\u00eb nj\u00eb num\u00ebr faktor\u00ebsh q\u00eb kan\u00eb \u00e7uar n\u00eb k\u00ebt\u00eb tendenc\u00eb t\u00eb remitancave. Nj\u00eb nga arsyet kryesore patjet\u00ebr ka t\u00eb b\u00ebj\u00eb me rikthimin e trendeve migratore t\u00eb shqiptar\u00ebve drejt vendeve […]<\/p>\n","protected":false},"author":6,"featured_media":31230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"footnotes":""},"categories":[333],"tags":[],"class_list":["post-32541","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu","post-wrapper","thrv_wrapper"],"acf":[],"_links":{"self":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/32541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/comments?post=32541"}],"version-history":[{"count":0,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/posts\/32541\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media\/31230"}],"wp:attachment":[{"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/media?parent=32541"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/categories?post=32541"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amcham.com.al\/sq\/wp-json\/wp\/v2\/tags?post=32541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}