{"id":5583,"date":"2021-03-30T09:14:18","date_gmt":"2021-03-30T09:14:18","guid":{"rendered":"https:\/\/germin.org\/?p=5583"},"modified":"2025-05-28T16:14:43","modified_gmt":"2025-05-28T16:14:43","slug":"perspective-about-the-panel-the-future-of-the-remittances","status":"publish","type":"post","link":"https:\/\/germin.org\/sq\/perspective-about-the-panel-the-future-of-the-remittances\/","title":{"rendered":"Perspektiv\u00eb: \u201cE Ardhmja e Remitancave\u201d"},"content":{"rendered":"

Sipas t\u00eb dh\u00ebnave m\u00eb t\u00eb fundit t\u00eb Bank\u00ebs Bot\u00ebrore, si Kosova ashtu edhe Shqip\u00ebria varen shum\u00eb nga remitencat, duke marr\u00eb mbi 15% dhe 10% t\u00eb Prodhimit t\u00eb Brendsh\u00ebm Bruto p\u00ebrkat\u00ebsisht n\u00eb baz\u00eb vjetore. Prandaj, ishte e r\u00ebnd\u00ebsishme t\u00eb kuptoheshin trendet e kaluara t\u00eb remitencave p\u00ebrpara se t\u00eb flitej p\u00ebr t\u00eb ardhmen.<\/span><\/p>\n

Z. Banka, Specialist i Sektorit Financiar n\u00eb Bank\u00ebn Bot\u00ebrore n\u00eb Uashington, DC, foli m\u00eb shum\u00eb p\u00ebr r\u00ebnd\u00ebsin\u00eb e remitencave dhe dha nj\u00eb pasqyr\u00eb t\u00eb situat\u00ebs aktuale. Ai p\u00ebrmendi se remitencat jan\u00eb b\u00ebr\u00eb nj\u00eb tem\u00eb shum\u00eb e r\u00ebnd\u00ebsishme p\u00ebr t\u2019u diskutuar, pasi ato kan\u00eb tejkaluar flukset e tjera t\u00eb t\u00eb ardhurave si Investimet e Huaja t\u00eb Drejtp\u00ebrdrejta, Ndihm\u00ebn Zyrtare p\u00ebr Zhvillim dhe n\u00eb disa raste, madje edhe Eksportet Neto. Ai gjithashtu p\u00ebrmendi disa nga kanalet kryesore p\u00ebr remitencat, si Operator\u00ebt e Transferimit t\u00eb Parave (MTO) dhe transferimet n\u00eb person, duke p\u00ebrmendur rastin e Italis\u00eb, nj\u00eb vend fqinj, ku \u00ebsht\u00eb e leht\u00eb t\u00eb udh\u00ebtosh drejt Shqip\u00ebris\u00eb dhe t\u00eb d\u00ebrgosh para personalisht.\u00a0<\/span><\/p>\n

Znj. Plaza, Ekonomiste e Lart\u00eb n\u00eb Praktik\u00ebn Globale t\u00eb Financave, Konkurrenc\u00ebs dhe Inovacionit t\u00eb Bank\u00ebs Bot\u00ebrore dhe bashk\u00ebshoq\u00ebruese e grupit tematik p\u00ebr diaspor\u00ebn, diskutoi m\u00eb thell\u00eb mbi trendet e remitencave n\u00eb vendet n\u00eb zhvillim duke u fokusuar n\u00eb Kosov\u00eb dhe Shqip\u00ebri. Ajo theksoi se para se t\u00eb flitej p\u00ebr t\u00eb ardhmen e remitencave dhe p\u00ebr at\u00eb q\u00eb mund t\u00eb b\u00ebhet, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb kuptohet konteksti i secilit vend. Zonja Plaza tregoi se Shqip\u00ebria ka nj\u00eb shkall\u00eb t\u00eb lart\u00eb emigracioni n\u00eb raport me popullsin\u00eb, rreth 43%, me nj\u00eb popullsi totale emigrant\u00ebsh prej af\u00ebrsisht 1 milion, dhe kjo \u00ebsht\u00eb e r\u00ebnd\u00ebsishme p\u00ebr llojin e produkteve q\u00eb vendet krijojn\u00eb p\u00ebr diaspor\u00ebn. N\u00eb m\u00ebnyr\u00eb t\u00eb ngjashme, Kosova ka 500,000 emigrant\u00eb q\u00eb p\u00ebrb\u00ebjn\u00eb rreth 30% t\u00eb popullsis\u00eb s\u00eb saj. Ajo shtoi se destinacioni prej nga vijn\u00eb remitencat \u00ebsht\u00eb gjithashtu shum\u00eb i r\u00ebnd\u00ebsish\u00ebm; 88% e remitencave n\u00eb Shqip\u00ebri vijn\u00eb nga Greqia dhe Italia, nd\u00ebrsa n\u00eb Kosov\u00eb 94% vijn\u00eb nga Gjermania dhe Zvicra. Trendi i t\u00eb dy vendeve ka qen\u00eb shum\u00eb i ngjash\u00ebm gjat\u00eb 15 viteve t\u00eb fundit.\u00a0<\/span><\/p>\n

Znj. Plaza tregoi se kishte disa luhatje p\u00ebr shkak t\u00eb krizave t\u00eb kaluara; megjithat\u00eb, p\u00ebr shkak t\u00eb kufizimeve t\u00eb koh\u00ebs, nuk pati shum\u00eb mund\u00ebsi t\u00eb diskutohej n\u00eb thell\u00ebsi pse Kosova dhe Shqip\u00ebria pan\u00eb ulje t\u00eb volumit t\u00eb remitencave n\u00eb disa vite. Zonja Shkodrani, n\u00eb pozicionin e Drejtoresh\u00ebs s\u00eb Operacioneve n\u00eb EasyPay SHPK, ndau trendet e remitencave n\u00eb Shqip\u00ebri, duke p\u00ebrmendur uljen n\u00eb 2013 dhe rritjen e vazhdueshme deri n\u00eb 2019. K\u00ebto luhatje treguan se q\u00ebndrueshm\u00ebria e k\u00ebsaj burimi financimi \u00ebsht\u00eb e diskutueshme, por zonja Shkodrani shprehu pritje pozitive p\u00ebr trendet e remitencave q\u00eb nga viti 2013, sidomos pas rritjes s\u00eb madhe n\u00eb 2019.\u00a0<\/span><\/p>\n

Ulja e kostove t\u00eb remitencave \u00ebsht\u00eb nj\u00eb element thelb\u00ebsor i strategjis\u00eb \u201cFinancim p\u00ebr Zhvillim\u201d. Kjo \u00e7\u00ebshtje \u00ebsht\u00eb p\u00ebrfshir\u00eb si objektiv n\u00eb Q\u00ebllimet e Zhvillimit t\u00eb Q\u00ebndruesh\u00ebm, t\u00eb cilat synojn\u00eb uljen e kostove n\u00ebn 3% dhe eliminimin e korridoreve t\u00eb remitencave me kosto mbi 5% deri n\u00eb vitin 2030. Zonja Plaza dhe zoti Banka p\u00ebrmend\u00ebn se kostot e transferimit t\u00eb parave jan\u00eb shum\u00eb t\u00eb larta n\u00eb Kosov\u00eb dhe Shqip\u00ebri krahasuar me vendet e tjera t\u00eb rajonit, sidomos pas pandemis\u00eb COVID-19. Prandaj, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb kuptohet pse kostot e remitencave jan\u00eb shum\u00eb t\u00eb larta edhe pse parat\u00eb vijn\u00eb nga vendet fqinje, dhe \u00e7far\u00eb duhet b\u00ebr\u00eb p\u00ebr t\u2019i ulur k\u00ebto kosto. Duhet rritur konkurrenca mes ofruesve t\u00eb sh\u00ebrbimeve, dhe duke m\u00ebsuar nga pandemia, duhet filluar kalimi n\u00eb sh\u00ebrbime m\u00eb t\u00eb dixhitalizuara. Megjithat\u00eb, zonja Plaza shtoi se sh\u00ebrbimet digjitale nuk jan\u00eb gjithmon\u00eb m\u00eb t\u00eb shpejtat n\u00eb disa vende, pasi kjo varet nga sistemi i pagesave n\u00eb secilin vend.\u00a0<\/span><\/p>\n

Pavar\u00ebsisht fluksit t\u00eb q\u00ebndruesh\u00ebm t\u00eb remitencave drejt Kosov\u00ebs dhe Shqip\u00ebris\u00eb, ato pan\u00eb nj\u00eb ulje gjat\u00eb kriz\u00ebs globale ekonomike t\u00eb fundit. Prandaj, mbetet p\u00ebr t\u2019u par\u00eb se si do t\u00eb pasqyrohen efektet e kriz\u00ebs pandemike n\u00eb ekonomit\u00eb ku p\u00ebrqendrohet diaspora jon\u00eb (Itali, Gjermani, Zvic\u00ebr dhe SHBA) p\u00ebr nj\u00eb vler\u00ebsim m\u00eb t\u00eb plot\u00eb t\u00eb remitencave k\u00ebt\u00eb vit dhe n\u00eb mes afat.<\/span><\/p>\n

T\u00eb gjith\u00eb pjes\u00ebmarr\u00ebsit ran\u00eb dakord se pandemia ndikoi drejtp\u00ebrdrejt ose t\u00ebrthorazi n\u00eb remitenca. Zonja Plaza theksoi se \u00ebsht\u00eb e v\u00ebshtir\u00eb p\u00ebr organizatat dhe institucionet t\u00eb parashikojn\u00eb ndikimin e pandemis\u00eb n\u00eb v\u00ebllimin e remitencave, sidomos p\u00ebr Kosov\u00ebn dhe Shqip\u00ebrin\u00eb, p\u00ebr shkak t\u00eb munges\u00ebs s\u00eb t\u00eb dh\u00ebnave me frekuenc\u00eb t\u00eb lart\u00eb. Jam dakord me k\u00ebt\u00eb pik\u00eb, pasi mbledhja e t\u00eb dh\u00ebnave \u00ebsht\u00eb ky\u00e7e p\u00ebr politikat vendimmarr\u00ebse, ve\u00e7an\u00ebrisht duke pasur parasysh r\u00ebnd\u00ebsin\u00eb e remitencave p\u00ebr stabilitetin ekonomik t\u00eb Kosov\u00ebs dhe Shqip\u00ebris\u00eb. Zonja Plaza dhe zonja Shkodrani shtuan se ndikimi m\u00eb i madh i pandemis\u00eb ishte nga prilli n\u00eb qershor, kur shum\u00eb biznese u mbyll\u00ebn p\u00ebr shkak t\u00eb bllokadave dhe distancimit social, nd\u00ebrsa pati rim\u00ebk\u00ebmbje n\u00eb korrik-shtator p\u00ebr shkak t\u00eb rritjes s\u00eb pun\u00ebsimit. Zonja Shkodrani p\u00ebrmendi se EasyPay-Ria Money Transfer p\u00ebrjetoi nj\u00eb rritje 2.5 her\u00eb m\u00eb t\u00eb lart\u00eb t\u00eb hyrjes s\u00eb remitencave n\u00eb shtator 2020 krahasuar me vitin paraprak.\u00a0<\/span><\/p>\n

M\u00eb e r\u00ebnd\u00ebsishmja, t\u00eb gjith\u00eb pjes\u00ebmarr\u00ebsit p\u00ebrmend\u00ebn se gjat\u00eb pandemis\u00eb u sh\u00ebnua nj\u00eb kalim n\u00eb kanalet formale, pasi emigrant\u00ebt nuk mund t\u00eb udh\u00ebtonin p\u00ebr t\u00eb d\u00ebrguar para personalisht. Megjithat\u00eb, zoti Banka tha se para pandemis\u00eb MTO-t\u00eb dhe kanalet formale nuk konsideroheshin sh\u00ebrbime thelb\u00ebsore, dhe kjo solli shum\u00eb vonesa n\u00eb rrjedh\u00ebn e remitencave n\u00eb fillim t\u00eb kriz\u00ebs COVID-19. Prandaj, opsionet p\u00ebr kanalet e remitencave ishin t\u00eb kufizuara, ve\u00e7an\u00ebrisht kur shum\u00eb emigrant\u00eb q\u00eb d\u00ebrgonin para n\u00eb vendin e tyre duhej t\u00eb plot\u00ebsonin k\u00ebrkesat p\u00ebr njohjen e klientit n\u00eb m\u00ebnyr\u00eb elektronike dhe shum\u00eb ofrues sh\u00ebrbimesh n\u00eb vendet n\u00eb zhvillim nuk ishin t\u00eb p\u00ebrgatitur p\u00ebr k\u00ebt\u00eb.\u00a0<\/span><\/p>\n

Remitencat digjitale kontribuojn\u00eb n\u00eb p\u00ebrfshirjen financiare m\u00eb t\u00eb gjer\u00eb dhe q\u00ebllimet e integritetit financiar. P\u00ebr shembull, paraja n\u00eb celular \u00ebsht\u00eb nj\u00eb mjet i fuqish\u00ebm p\u00ebr dixhitalizimin e flukseve t\u00eb m\u00ebdha t\u00eb transferimeve informale. Paraja n\u00eb celular mund t\u00eb ndihmoj\u00eb p\u00ebrfshirjen financiare p\u00ebr d\u00ebrguesit dhe marr\u00ebsit e remitencave, duke i lidhur ata me sistemin financiar dixhital dhe duke u mund\u00ebsuar akses n\u00eb nj\u00eb gam\u00eb t\u00eb gjer\u00eb sh\u00ebrbimesh financiare digjitale p\u00ebrtej remitencave. Megjithat\u00eb, zoti Banka p\u00ebrmendi se kjo mund t\u00eb jet\u00eb sfid\u00eb p\u00ebr emigrant\u00ebt q\u00eb nuk kan\u00eb dokumentacion t\u00eb duhur dhe p\u00ebr pasoj\u00eb nuk kan\u00eb akses n\u00eb sh\u00ebrbime financiare digjitale. Gjithashtu, MTO-t\u00eb duhet t\u00eb mbledhin dokumente identiteti n\u00eb m\u00ebnyr\u00eb elektronike dhe t\u00eb sigurojn\u00eb q\u00eb klient\u00ebt t\u00eb jen\u00eb t\u00eb mbrojtur nga krimi financiar dhe mashtrimet, duke respektuar shum\u00eb rregullore nd\u00ebrkomb\u00ebtare.\u00a0<\/span><\/p>\n

Pjes\u00ebn e dixhitalizimit e p\u00ebrmendi zonja Shkodrani duke th\u00ebn\u00eb se EasyPay \u00ebsht\u00eb nj\u00eb nga institucionet financiare kryesore n\u00eb Shqip\u00ebri q\u00eb po punon n\u00eb k\u00ebt\u00eb drejtim, megjith\u00ebse ekzistojn\u00eb ende shum\u00eb pengesa, kryesisht sepse shoq\u00ebria shqiptare \u00ebsht\u00eb shum\u00eb e lidhur me p\u00ebrdorimin e paras\u00eb n\u00eb dor\u00eb dhe transferimet fizike. Prandaj, ajo q\u00eb MTO-t\u00eb n\u00eb Shqip\u00ebri dhe Kosov\u00eb po p\u00ebrpiqen t\u00eb b\u00ebjn\u00eb \u00ebsht\u00eb edukimi i klient\u00ebve p\u00ebr p\u00ebrdorimin e portofolit dixhital, p\u00ebrfshir\u00eb popullatat e pafavorizuara dhe m\u00eb t\u00eb cenueshme. Jam plot\u00ebsisht dakord me zonj\u00ebn Shkodrani q\u00eb t\u00eb dy vendet duhet t\u00eb gjejn\u00eb mjete p\u00ebr t\u00eb edukuar njer\u00ebzit mbi sh\u00ebrbimet financiare digjitale p\u00ebrmes komunikimit n\u00eb media, tutorialeve, grupeve fokus, etj. Por si\u00e7 tha ajo, p\u00ebr t\u00eb arritur nj\u00eb nivel t\u00eb lart\u00eb t\u00eb sh\u00ebrbimeve financiare digjitale nevojitet bashk\u00ebpunim m\u00eb i mir\u00eb midis t\u00eb gjitha aktor\u00ebve financiar\u00eb, p\u00ebrfshir\u00eb bankat.\u00a0<\/span><\/p>\n

Znj Plaza dha gjithashtu inpute t\u00eb vlefshme n\u00eb lidhje me dixhitalizimin e remitencave, duke theksuar se vendet duhet t\u00eb deklarojn\u00eb ofruesit e sh\u00ebrbimeve t\u00eb remitencave si sh\u00ebrbime thelb\u00ebsore. Ajo tha se ka nevoj\u00eb p\u00ebr thjeshtim t\u00eb k\u00ebrkesave kund\u00ebr pastrimit t\u00eb parave dhe financimit t\u00eb terrorizmit p\u00ebr t\u00eb zbutur faktor\u00ebt q\u00eb pengojn\u00eb p\u00ebrdoruesit t\u00eb p\u00ebrdorin sh\u00ebrbime financiare digjitale p\u00ebr remitencat. Gjithashtu, \u00ebsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb p\u00ebrmir\u00ebsohet aksesin financiar p\u00ebr marrjen dhe d\u00ebrgimin e parave p\u00ebr popullatat m\u00eb t\u00eb cenueshme, si\u00e7 p\u00ebrmend\u00ebn edhe pjes\u00ebmarr\u00ebsit e tjer\u00eb. N\u00eb fund, zonja Plaza tha se Banka Qendrore duhet t\u00eb vler\u00ebsoj\u00eb p\u00ebrdorimin e njohjes elektronike t\u00eb klientit (eKYC) p\u00ebr hapjen online t\u00eb llogarive t\u00eb pagesave, q\u00eb do t\u00eb leht\u00ebsonte p\u00ebrdorimin e sh\u00ebrbimeve financiare digjitale.\u00a0<\/span><\/p>\n

Paneli ishte shum\u00eb i konsoliduar dhe informues, dhe t\u00eb gjith\u00eb pjes\u00ebmarr\u00ebsit ishin ekspert\u00eb dhe shum\u00eb t\u00eb informuar p\u00ebr tem\u00ebn dhe hapat e m\u00ebtejsh\u00ebm q\u00eb duhen marr\u00eb. Do t\u00eb ishte mir\u00eb t\u00eb kishim m\u00eb shum\u00eb koh\u00eb p\u00ebr t\u00eb zgjatur diskutimin mbi politikat q\u00eb t\u00eb dy vendet duhet t\u00eb ndjekin p\u00ebr t\u00eb ardhmen e remitencave.<\/span><\/p>\n

Ky panel u zhvillua pas shp\u00ebrthimit t\u00eb koronavirusit, koh\u00eb e mir\u00eb p\u00ebr t\u00eb reflektuar mbi ndikimin q\u00eb kriza pati n\u00eb rrjedh\u00ebn e remitencave dhe mbi mund\u00ebsin\u00eb q\u00eb krijoi p\u00ebr dixhitalizimin e remitencave dhe uljen e kostove t\u00eb transferimit.\u00a0<\/span><\/p>\n

 <\/p>\n

Rreth Autores: Hana Bacaj \u00ebsht\u00eb Analiste e P\u00ebrvojshme e Hulumtimeve me eksperienc\u00eb n\u00eb sektorin e zhvillimit. Ajo ka aft\u00ebsi n\u00eb Zhvillim Ekonomik, Analiz\u00eb t\u00eb t\u00eb Dh\u00ebnave, Aft\u00ebsi Analitike, Hulumtime Kuantitative dhe Politik\u00eb Zhvillimi. Ka nj\u00eb master n\u00eb Zhvillim Ekonomik nga Universiteti Vanderbilt.<\/p>","protected":false},"excerpt":{"rendered":"

According to the latest data of the World Bank, both Kosovo and Albania are highly dependent on remittances, receiving more than 15% and 10% of GDP on an annual basis respectively. Therefore, it was important to understand the past trends about remittances, before talking about the future. Mr Banka, a Financial Sector Specialist at the […]<\/p>\n","protected":false},"author":6,"featured_media":11085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-5583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diaspora-briefings"],"acf":[],"_links":{"self":[{"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/posts\/5583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/comments?post=5583"}],"version-history":[{"count":0,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/posts\/5583\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/media\/11085"}],"wp:attachment":[{"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/media?parent=5583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/categories?post=5583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/germin.org\/sq\/wp-json\/wp\/v2\/tags?post=5583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}