![\"\"](\"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/640-0-9d4ac46b81bb12a2afa3694ea4b89b3b.jpg?resize=680%2C367&ssl=1\")
<\/p>\n<\/p>\n
6 Shtator 2024<\/p>\n
Nj\u00eb num\u00ebr n\u00eb rritje i kombeve, ku p\u00ebrfshihet edhe Shqip\u00ebria, po p\u00ebrballen me r\u00ebnien e popullsis\u00eb dhe me plakjen e saj, ndaj Fondi Monetar Nd\u00ebrkomb\u00ebtar, n\u00eb nj\u00eb studim t\u00eb posa\u00e7\u00ebm, lajm\u00ebron sektorin financiar dhe ve\u00e7an\u00ebrisht bankat se duhet t\u00eb p\u00ebrshtasin planet e tyre t\u00eb biznesit n\u00eb raport me ndryshimet e m\u00ebdha demografike.<\/p>\n
Duke p\u00ebrdorur t\u00eb dh\u00ebnat e OKB, Fondi Monetar Monetar v\u00eb n\u00eb dukje se popullsit\u00eb e disa vendeve, duke p\u00ebrfshir\u00eb Shqip\u00ebrin\u00eb, Bullgarin\u00eb, Serbin\u00eb dhe Republik\u00ebn e Kores\u00eb parashikohet t\u00eb zvog\u00eblohen me m\u00eb shum\u00eb se 50% deri n\u00eb fund t\u00eb k\u00ebtij shekulli, ritmi m\u00eb i lart\u00eb n\u00eb rang global.<\/p>\n
Popullsia e Kin\u00ebs parashikohet t\u00eb tkurret me 46% deri n\u00eb vitin 2100, teksa ekonomi t\u00eb tjera t\u00eb m\u00ebdha, si Italia, Spanja dhe Gjermania, gjithashtu pritet t\u00eb ken\u00eb reduktim t\u00eb madh t\u00eb popullsis\u00eb. N\u00eb t\u00eb kund\u00ebrt, Shtetet e Bashkuara parashikohet t\u00eb ruajn\u00eb nj\u00eb profil demografik relativisht rinor, me popullsin\u00eb e saj q\u00eb pritet t\u00eb rritet me 16% deri n\u00eb vitin 2100 krahasuar me vitin 2022.<\/p>\n
Tendenca globale e plakjes s\u00eb popullsis\u00eb ka implikime sidomos n\u00eb sektorin financiar. FMN thot\u00eb se ndikimet specifike n\u00eb sistemet bankare k\u00ebrkojn\u00eb eksplorim t\u00eb m\u00ebtejsh\u00ebm. Popullsia n\u00eb plakje i detyron bankat t\u00eb rishikojn\u00eb operacionet e tyre. si p\u00ebr aktivet e tyre dhe pasivet. Nj\u00eb populli n\u00eb plakje ul k\u00ebrkes\u00ebn p\u00ebr kredi, duke nxitur bankat p\u00ebr t\u00eb ndjekur rrug\u00eb alternative.<\/p>\n
Plakja e popullsis\u00eb do t\u00eb reduktoj\u00eb ofertat e kredis\u00eb, duke nxitur nga ana tjet\u00ebr investimet n\u00eb bono qeveritare dhe letra t\u00eb tjera me vler\u00eb, diversifikimin n\u00eb sip\u00ebrmarrje t\u00eb reja financiare dhe zgjerim p\u00ebrtej kufijve. FMN v\u00eb n\u00eb dukje se strategjit\u00eb e reja t\u00eb bankave, nxitur nga zhvillimet demografike, gjithashtu mbartin rreziqe t\u00eb reja.<\/p>\n
N\u00eb nj\u00ebr\u00ebn an\u00eb, plakja \u00e7on n\u00eb nj\u00eb ulje t\u00eb rrezikut mesatar t\u00eb aft\u00ebsis\u00eb paguese brenda sektorit bankar, q\u00eb i atribuohet zvog\u00eblimit t\u00eb kredive, t\u00eb cilat historikisht ishin pararend\u00ebse t\u00eb krizave bankare. Por rreziqet e reja lidhen me kanalizimin e depozitave t\u00eb tep\u00ebrta n\u00eb aktivitete t\u00eb panjohura dhe potencialisht t\u00eb rrezikshme.<\/p>\n
FMN n\u00ebnvizon se prania e rreziqeve t\u00eb mundshme p\u00ebr bankat n\u00eb shoq\u00ebrit\u00eb n\u00eb plakje shtron nevoj\u00ebn urgjente p\u00ebr p\u00ebrshtatje dhe nj\u00eb politik\u00ebb\u00ebrje vigjilente. Plakja ndodh ngadal\u00eb dhe ndikimi gradual e b\u00ebn efektin e saj t\u00eb paduksh\u00ebm n\u00eb krahasim me faktor\u00ebt tradicional\u00eb q\u00eb ndikojn\u00eb n\u00eb aft\u00ebsin\u00eb paguese t\u00eb bankave. Bankat e m\u00ebdha q\u00eb kan\u00eb shtrirje globale mund t\u00eb zot\u00ebrojn\u00eb elasticitetin p\u00ebr t\u00eb p\u00ebrballur ndryshimet demografike, por bankat m\u00eb t\u00eb vogla mund t\u00eb p\u00ebrballen me m\u00eb shum\u00eb pengesa n\u00eb p\u00ebrshtatjen me k\u00ebto transformime demografike.<\/p>\n
N\u00eb sfondin e ndryshimeve demografke, ku pasuria kalon nga brezi i bumit t\u00eb lindjeve te gjenerata Z, t\u00eb cil\u00ebt mund t\u00eb zhvillojn\u00eb nj\u00eb cik\u00ebl jet\u00ebsor dhe perspektiva financiare t\u00eb ndryshme banka duhet t\u00eb hyjn\u00eb n\u00eb nj\u00eb cik\u00ebl t\u00eb ri t\u00eb p\u00ebrshtatjes. Tregu financiar i Japonis\u00eb mund t\u00eb jet\u00eb shembulli i p\u00ebrshtatjes e tregjeve financiare me plakjen e popullsis\u00eb v\u00eb n\u00eb dukje studimi i FMN.<\/p>\n
Monitor<\/p>\n","protected":false},"excerpt":{"rendered":"
6 Shtator 2024 Nj\u00eb num\u00ebr n\u00eb rritje i kombeve, ku p\u00ebrfshihet edhe Shqip\u00ebria, po p\u00ebrballen me r\u00ebnien e popullsis\u00eb dhe me plakjen e saj, ndaj Fondi Monetar Nd\u00ebrkomb\u00ebtar, n\u00eb nj\u00eb studim t\u00eb posa\u00e7\u00ebm, lajm\u00ebron sektorin financiar dhe ve\u00e7an\u00ebrisht bankat se duhet t\u00eb p\u00ebrshtasin planet e tyre t\u00eb biznesit n\u00eb raport me ndryshimet e m\u00ebdha demografike. […]<\/p>\n","protected":false},"author":9,"featured_media":84118,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[27,1,2,35],"tags":[],"class_list":["post-84117","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogu-i-udhetarit","category-njoftime-shtypi","category-politika","category-shoqerore"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2024\/09\/640-0-9d4ac46b81bb12a2afa3694ea4b89b3b.jpg?fit=640%2C346&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5Z6wp-lSJ","jetpack-related-posts":[{"id":100659,"url":"https:\/\/www.shqiperia.com\/blog\/ekspertet-ngrene-alarmin-popullsia-e-tokes-mund-te-pergjysmohet-deri-ne-vitin-2064-shkak-pandemite-ndryshimet-klimatike-dhe\/","url_meta":{"origin":84117,"position":0},"title":"Ekspert\u00ebt ngren\u00eb alarmin\/ Popullsia e Tok\u00ebs mund t\u00eb p\u00ebrgjysmohet deri n\u00eb vitin 2064, shkak pandemit\u00eb, ndryshimet klimatike dhe\u2026","author":"Kurt Farka","date":"May 26, 2026","format":false,"excerpt":"26 Maji 2026 Ekspert\u00ebt paralajm\u00ebrojn\u00eb se popullsia e Tok\u00ebs mund t\u00eb p\u00ebrgjysmohet deri n\u00eb vitin 2064, si pasoj\u00eb e krizave globale si ndryshimet klimatike, pandemit\u00eb, konfliktet apo mungesa e burimeve. Sipas nj\u00eb studimi t\u00eb publikuar n\u00eb revist\u00ebn shkencore Chaos, Solitons & Fractals, studiuesit nga Universiteti i Milanit analizuan rritjen e\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/toka_sd-1.webp?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/toka_sd-1.webp?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/toka_sd-1.webp?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/toka_sd-1.webp?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/toka_sd-1.webp?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100641,"url":"https:\/\/www.shqiperia.com\/blog\/pershkallezim-i-pamatur-evropa-denon-perdorimin-e-raketes-oreshnik-nga-rusia\/","url_meta":{"origin":84117,"position":1},"title":"\u201cP\u00ebrshkall\u00ebzim i pamatur\u201d\/ Evropa d\u00ebnon p\u00ebrdorimin e raket\u00ebs \u2018Oreshnik\u2019 nga Rusia","author":"Kurt Farka","date":"May 25, 2026","format":false,"excerpt":"25 Maji 2026 P\u00ebrdorimi nga Rusia i raket\u00ebs balistike me rreze t\u00eb mesme veprimi \u201cOreshnik\u201d ka t\u00ebrhequr v\u00ebmendjen nd\u00ebrkomb\u00ebtare dhe ka nxitur reagime t\u00eb forta nga lider\u00ebt europian\u00eb, t\u00eb cil\u00ebt paralajm\u00ebrojn\u00eb p\u00ebr nj\u00eb p\u00ebrshkall\u00ebzim t\u00eb rreziksh\u00ebm t\u00eb luft\u00ebs n\u00eb Ukrain\u00eb. Presidenti ukrainas Volodymyr Zelensky deklaroi t\u00eb diel\u00ebn se Rusia ka\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-5683dcac740cda5830981450847710fa.webp?fit=640%2C360&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-5683dcac740cda5830981450847710fa.webp?fit=640%2C360&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/640-0-5683dcac740cda5830981450847710fa.webp?fit=640%2C360&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":100604,"url":"https:\/\/www.shqiperia.com\/blog\/termet-ne-elbasan-lekundjet-ndjehen-deri-ne-qytetin-e-durresit-dhe-rrethina\/","url_meta":{"origin":84117,"position":2},"title":"T\u00ebrmet n\u00eb Elbasan, l\u00ebkundjet ndjehen deri n\u00eb qytetin e Durr\u00ebsit dhe rrethina","author":"Kurt Farka","date":"May 23, 2026","format":false,"excerpt":"23 Maji 2026 Frik\u00eb n\u00eb qytetet e Elbasanit dhe t\u00eb Durr\u00ebsit, ku m\u00ebsohet se nj\u00eb t\u00ebrmet \u00ebsht\u00eb ndier n\u00eb k\u00ebto dy qytete dhe n\u00eb qytezat p\u00ebrreth Sipas t\u00eb dh\u00ebnave t\u00eb para, m\u00ebsohet se magnituda ka qen\u00eb rreth 4.0, teksa si epiqendra m\u00ebsohet t\u00eb jet\u00eb pran\u00eb Peqinit, me thell\u00ebsi rreth 5\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/termet_sd.webp?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/termet_sd.webp?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/termet_sd.webp?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/termet_sd.webp?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/termet_sd.webp?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":100588,"url":"https:\/\/www.shqiperia.com\/blog\/jonathan-pano-shpopullimi-nuk-eshte-rastesi-por-nje-axhende-e-qeverise\/","url_meta":{"origin":84117,"position":3},"title":"Jonathan Pano: – Shpopullimi nuk \u00ebsht\u00eb rast\u00ebsi, por nj\u00eb axhend\u00eb e qeveris\u00eb","author":"Kurt Farka","date":"May 22, 2026","format":false,"excerpt":"22 Maji 2026 I ftuar n\u00eb nj\u00eb studio televizive Jonathan Pano, an\u00ebtar i K\u00ebshillit Bashkiak t\u00eb Tiran\u00ebs nga radh\u00ebt e opozit\u00ebs, ngriti alarmin p\u00ebr ritmet e shpopullimit n\u00eb Shqip\u00ebri, duke iu referuar t\u00eb dh\u00ebnave t\u00eb Eurostat dhe analizave t\u00eb ekspert\u00ebve t\u00eb demografis\u00eb. Sipas Panos, raportimet p\u00ebr rreth 29 mij\u00eb persona\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/nfk.jpg?fit=773%2C528&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":101659,"url":"https:\/\/www.shqiperia.com\/blog\/shqiperia-po-humbet-rinine-deri-ne-2050-pritet-te-zhduket-43-e-grupmoshes-15-24-vjec\/","url_meta":{"origin":84117,"position":4},"title":"Shqip\u00ebria po humbet rinin\u00eb: – Deri n\u00eb 2050 pritet t\u00eb \u201czhduket\u201d 43% e grupmosh\u00ebs 15-24 vje\u00e7","author":"Kurt Farka","date":"June 21, 2026","format":false,"excerpt":"G\u00ebzimi, pedagog n\u00eb Universitetin e Elbasanit, thot\u00eb p\u00ebr studimin e zotit G\u00ebdeshi se \u201ckur largohet nj\u00eb pjes\u00eb e madhe e popullsis\u00eb, pjesa q\u00eb mbetet \u00ebsht\u00eb ajo q\u00eb ose nuk ka mund\u00ebsi ose nuk do t\u00eb emigroj\u00eb. Rrjedhimisht emigrimi fillon t\u00eb pak\u00ebsohet, por jo t\u00eb shmanget. P\u00ebr shembull, kur i pyet\u2026","rel":"","context":"In "Blogu i Udh\u00ebtarit"","block_context":{"text":"Blogu i Udh\u00ebtarit","link":"https:\/\/www.shqiperia.com\/blog\/category\/blogu-i-udhetarit\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/Popullsi-1024x642-1.jpg?fit=1024%2C642&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/Popullsi-1024x642-1.jpg?fit=1024%2C642&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/Popullsi-1024x642-1.jpg?fit=1024%2C642&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/Popullsi-1024x642-1.jpg?fit=1024%2C642&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":100385,"url":"https:\/\/www.shqiperia.com\/blog\/urdheri-me-misterioz-i-mesjetes-kaloresit-templare-origjina-e-vertete-e-tyre\/","url_meta":{"origin":84117,"position":5},"title":"Urdh\u00ebri m\u00eb misterioz i Mesjet\u00ebs: Kalor\u00ebsit Templar\u00eb, origjina e v\u00ebrtet\u00eb e tyre","author":"Kurt Farka","date":"May 18, 2026","format":false,"excerpt":"18 Maji 2026 N\u00eb vitin 1119, vet\u00ebm n\u00ebnt\u00eb kalor\u00ebs francez\u00eb b\u00ebn\u00eb nj\u00eb betim t\u00eb pazakont\u00eb n\u00eb Jerusalem. Kalor\u00ebsit Templar\u00eb nuk k\u00ebrkuan tok\u00eb, pasuri apo tituj. Premtuan vet\u00ebm nj\u00eb gj\u00eb: t\u00eb mbronin pelegrin\u00ebt q\u00eb udh\u00ebtonin drejt Tok\u00ebs s\u00eb Shenjt\u00eb. Por brenda pak dekadash, ky grup i vog\u00ebl luft\u00ebtar\u00ebsh u shnd\u00ebrrua n\u00eb\u2026","rel":"","context":"In "Histori"","block_context":{"text":"Histori","link":"https:\/\/www.shqiperia.com\/blog\/category\/histori\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/auto_Kaloresit-Templare_11778842861.jpg?fit=826%2C588&ssl=1&resize=700%2C400 2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/84117","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/comments?post=84117"}],"version-history":[{"count":1,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/84117\/revisions"}],"predecessor-version":[{"id":84119,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/posts\/84117\/revisions\/84119"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media\/84118"}],"wp:attachment":[{"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/media?parent=84117"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/categories?post=84117"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.shqiperia.com\/blog\/wp-json\/wp\/v2\/tags?post=84117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}