<\/p>\n\n\n\n
Sipas Global Findex 2025 t\u00eb Bank\u00ebs Bot\u00ebrore, numri i shqiptar\u00ebve me nj\u00eb llogari financiare \u00ebsht\u00eb rritur ndjesh\u00ebm gjat\u00eb dekad\u00ebs s\u00eb fundit: nga 28% e t\u00eb rriturve n\u00eb vitin 2011, n\u00eb 44% n\u00eb 2021 dhe 46% n\u00eb 2024. Por p\u00ebrdorimi i k\u00ebtyre llogarive p\u00ebr pagesa nuk ka ecur me t\u00eb nj\u00ebjtin rit\u00ebm. N\u00eb vitin 2024, vet\u00ebm 35% e t\u00eb rriturve kryen ose mor\u00ebn nj\u00eb pages\u00eb digjitale, pothuajse nj\u00ebsoj si n\u00eb 2021-in (34.6%), dhe vet\u00ebm 11% paguan nj\u00eb tregtar n\u00eb m\u00ebnyr\u00eb digjitale. Kjo na tregon se aksesi financiar po rritet, por sjelljet financiare jo.<\/p>\n\n\n\n
Kontrasti me sh\u00ebrbimet publike n\u00eb vendin tone \u00ebsht\u00eb i madh. Mbi 95% e tyre ofrohen tashm\u00eb n\u00eb e-Albania, por kur vjen puna te pagesat e tyre, shumica zgjedhin ende cash-in. Pra, Shqip\u00ebria nuk \u00ebsht\u00eb m\u00eb nj\u00eb vend ku paguhet vet\u00ebm me para fizike, por as nj\u00eb vend plot\u00ebsisht dixhital. Shqiptar\u00ebt p\u00ebrdorin t\u00eb dyja kanalet, dhe shpesh t\u00eb dyja k\u00ebto raste gjenden brenda t\u00eb nj\u00ebjt\u00ebs familje. Kjo \u00ebsht\u00eb arsyeja pse n\u00eb EasyPay nuk zgjodh\u00ebm mes dixhitales dhe tradicionales. Zgjodh\u00ebm t\u00eb dyja: figital. Por, ky fleksibilitet ka nj\u00eb kusht: kontrollin<\/strong>.<\/p>\n\n\n\n Kush \u00ebsht\u00eb klienti yn\u00eb?<\/strong><\/p>\n\n\n\n Pas mbi 16 vjet\u00ebsh n\u00eb tregun vendas, kemi m\u00ebsuar se nj\u00eb model i mir\u00eb biznesi nuk nis nga teknologjia q\u00eb ke, por nga njeriu<\/strong> q\u00eb duhet t’i sh\u00ebrbesh \u00e7do dit\u00eb. Por, cili \u00ebsht\u00eb ky klient t\u00eb cilin duhet ta sh\u00ebrbejm\u00eb n\u00eb Shqip\u00ebrin\u00eb e sotme?<\/p>\n\n\n\n \u00cbsht\u00eb studentja q\u00eb paguan me QR kudo n\u00eb qytet dhe nuk hyn kurr\u00eb n\u00eb nj\u00eb deg\u00eb banke. \u00cbsht\u00eb babai q\u00eb merr pag\u00ebn n\u00eb llogari bankare, por faturat i paguan me para n\u00eb dor\u00eb sepse \u201ck\u00ebshtu di\u201d. \u00cbsht\u00eb gjyshja q\u00eb pret d\u00ebrges\u00ebn nga djali n\u00eb Itali dhe i do parat\u00eb n\u00eb dor\u00eb. Apo, \u00ebsht\u00eb i riu q\u00eb merr kredi p\u00ebr telefonin q\u00eb sapo ka dal\u00eb n\u00eb treg, pa e ditur sa do t\u00eb paguaj\u00eb n\u00eb fund.<\/p>\n\n\n\n K\u00ebta klient\u00eb kan\u00eb nevoja t\u00eb ndryshme, por nj\u00eb gj\u00eb t\u00eb p\u00ebrbashk\u00ebt: shpesh nuk kan\u00eb t\u00eb gjith\u00eb informacionin q\u00eb u duhet p\u00ebr t\u00eb vendosur mir\u00eb me parat\u00eb e tyre.<\/em><\/p>\n\n\n\n Anketa m\u00eb e fundit e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb p\u00ebr kultur\u00ebn financiare e tregon qart\u00eb:<\/p>\n\n\n\n – Tre n\u00eb kat\u00ebr t\u00eb rinj 18\u201329 vje\u00e7 kan\u00eb nj\u00eb produkt pagese, por vet\u00ebm nj\u00eb e treta e tyre kan\u00eb sjelljet minimale t\u00eb duhura financiare, si planifikimi, kursimi dhe kontrolli i shpenzimeve.<\/p>\n\n\n\n – N\u00eb shkall\u00eb vendi, vet\u00ebm 18% e t\u00eb rinjve shqiptar\u00ebve pranojn\u00eb se u mbeten para n\u00eb fund t\u00eb muajit, kundrejt 44% n\u00eb vendet e OECD-s\u00eb.<\/p>\n\n\n\n Dhe, kjo situate ka nj\u00eb shpjegim me m\u00ebnyr\u00ebn se si ata shpenzojn\u00eb gjat\u00eb muajit, me kostot q\u00eb ato nuk shohin kur kryejne pagesa apo blerje. Nj\u00eb transfert\u00eb apo veprim q\u00eb reklamon \u201c0% komision\u201d mund t\u00eb kushtoj\u00eb m\u00eb shum\u00eb, mbase edhe si rrjedhoj\u00eb e kursit t\u00eb k\u00ebmbimit. Nj\u00eb kredi \u201ce leht\u00eb\u201d mund t\u00eb kushtoj\u00eb shum\u00eb m\u00eb tep\u00ebr se \u00e7mimi i produktit. Vet\u00ebm 11% e shqiptar\u00ebve e kuptojn\u00eb sakt\u00eb interesin e p\u00ebrb\u00ebr\u00eb, pra faktin q\u00eb paguan interes edhe mbi interesin. Shembulli m\u00eb i thjesht\u00eb:<\/em> nj\u00eb telefon 120,000 lek\u00eb, i bler\u00eb me kredi personale q\u00eb aprovohet n\u00eb \u00e7ast. Me nj\u00eb interes ilustrues prej 2% n\u00eb muaj, n\u00ebse pagesa shtyhet n\u00eb koh\u00eb, pas nj\u00eb viti borxhi b\u00ebhet rreth 152,000 lek\u00eb. <\/p>\n\n\n\n Nd\u00ebrkoh\u00eb, rrjetet sociale dhe influencer\u00ebt i shtyjn\u00eb t\u00eb rinjt\u00eb drejt blerjeve q\u00eb shpesh nuk u duhen. N\u00eb t\u00eb nj\u00ebjtin muaj, ata kan\u00eb detyrime q\u00eb nuk presin: drita, uji, interneti, taksat, gjobat, k\u00ebsti i kredis\u00eb. Kur k\u00ebto nuk llogariten q\u00eb n\u00eb fillim t\u00eb muajit, parat\u00eb zhduken nga llogaria p\u00ebrpara se t\u00eb kuptosh ku shkuan. <\/p>\n\n\n\n Edukimi financiar si pjes\u00eb e modelit t\u00eb biznesit t\u00eb EasyPay<\/strong><\/p>\n\n\n\n Duke e njohur k\u00ebt\u00eb munges\u00eb njohurish, ne nuk e kemi p\u00ebrshtatur vet\u00ebm modelin e biznesit dhe produktet. E kemi b\u00ebr\u00eb edukimin financiar pjes\u00eb t\u00eb vet\u00eb sh\u00ebrbimit, n\u00eb tre m\u00ebnyra.<\/p>\n\n\n\n Agjenti si pik\u00eb informacioni.<\/em><\/strong> Rrjeti yn\u00eb nuk sh\u00ebrben vet\u00ebm p\u00ebr t\u00eb paguar m\u00eb leht\u00eb. \u00cbsht\u00eb vendi ku klienti mund t\u00eb pyes\u00eb p\u00ebr \u00e7do detyrim: sa ka p\u00ebr t\u00eb paguar, deri kur, dhe \u00e7far\u00eb ndodh n\u00ebse vonohet. P\u00ebr shum\u00eb familje, sidomos ato q\u00eb nuk p\u00ebrdorin ende aplikacione, ky kontakt ball\u00eb p\u00ebr ball\u00eb \u00ebsht\u00eb hapi i par\u00eb drejt nj\u00eb menaxhimi m\u00eb t\u00eb mir\u00eb t\u00eb parave.<\/p>\n\n\n\n Aplikacioni si plan mujor<\/em><\/strong>. N\u00eb fillim t\u00eb muajit, aplikacioni i tregon klientit sa pagesa ka p\u00ebr t\u00eb kryer dhe sa jan\u00eb detyrimet e tij mujore. Kur e di k\u00ebt\u00eb shum\u00eb q\u00eb n\u00eb fillim, e di edhe sa i mbetet nga buxheti p\u00ebr shpenzimet personale, p\u00ebr dalje apo p\u00ebr nj\u00eb blerje q\u00eb e d\u00ebshiron. Planifikimi nuk \u00ebsht\u00eb m\u00eb nj\u00eb tabel\u00eb e m\u00ebrzitshme; \u00ebsht\u00eb nj\u00eb ekran q\u00eb e hap \u00e7do muaj.<\/p>\n\n\n\n Fushatat n\u00eb mediat sociale.<\/em><\/strong> Komunikimi yn\u00eb nuk synon vet\u00ebm t\u00eb shes\u00eb nj\u00eb sh\u00ebrbim. Synon t\u00eb shpjegoj\u00eb dhe edukoj\u00eb!<\/p>\n\n\n\n E ardhmja e pagesave n\u00eb Shqip\u00ebri do t\u00eb jet\u00eb digjitale. Por rruga deri aty do t\u00eb kaloj\u00eb p\u00ebrmes klient\u00ebve q\u00eb e kuptojn\u00eb, i besojn\u00eb dhe e zgjedhin vet\u00eb. Ky \u00ebsht\u00eb kalimi q\u00eb duam ta b\u00ebjm\u00eb bashk\u00eb me ta.<\/p>","protected":false},"excerpt":{"rendered":" Sipas Global Findex 2025 t\u00eb Bank\u00ebs Bot\u00ebrore, numri i shqiptar\u00ebve me nj\u00eb llogari financiare \u00ebsht\u00eb rritur ndjesh\u00ebm gjat\u00eb dekad\u00ebs s\u00eb fundit: nga 28% e t\u00eb rriturve n\u00eb vitin 2011, n\u00eb 44% n\u00eb 2021 dhe 46% n\u00eb 2024. Por p\u00ebrdorimi i k\u00ebtyre llogarive p\u00ebr pagesa nuk ka ecur me t\u00eb nj\u00ebjtin rit\u00ebm. N\u00eb vitin 2024, vet\u00ebm […]<\/p>\n","protected":false},"author":17,"featured_media":15166,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"iawp_total_views":1,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-15165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t