![\"\"](\"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":100339,"url":"https:\/\/www.shqiperia.com\/blog\/cfare-ndodh-kur-vdekjet-tejkalojne-lindjet\/","url_meta":{"origin":84117,"position":1},"title":"\u00c7far\u00eb ndodh kur vdekjet tejkalojn\u00eb lindjet?","author":"Kurt Farka","date":"May 16, 2026","format":false,"excerpt":"16 Maji 2026 N\u00eb Japoni, tashm\u00eb ka kompani q\u00eb specializohen n\u00eb pastrimin e apartamenteve t\u00eb t\u00eb moshuarve q\u00eb kan\u00eb vdekur vet\u00ebm dhe jan\u00eb zbuluar jav\u00eb apo muaj m\u00eb von\u00eb, nd\u00ebrsa shitjet e pelenave p\u00ebr t\u00eb rritur kan\u00eb tejkaluar shitjet e pelenave p\u00ebr f\u00ebmij\u00eb p\u00ebr m\u00eb shum\u00eb se nj\u00eb dekad\u00eb. N\u00eb\u2026","rel":"","context":"In "Njoftime Shtypi"","block_context":{"text":"Njoftime Shtypi","link":"https:\/\/www.shqiperia.com\/blog\/category\/njoftime-shtypi\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-02-192700-1024x573-1.jpg?fit=1024%2C573&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":102740,"url":"https:\/\/www.shqiperia.com\/blog\/shpopullimi-nisi-te-pershpejtohej-pas-2013-u-rrit-mbi-55-gjate-sundimit-te-rames\/","url_meta":{"origin":84117,"position":2},"title":"Shpopullimi nisi t\u00eb p\u00ebrshpejtohej pas 2013, u rrit mbi 55% gjat\u00eb sundimit t\u00eb Ram\u00ebs","author":"Kurt Farka","date":"July 15, 2026","format":false,"excerpt":"15 Korrik 2026 Eurostat nxjerr shifrat trondit\u00ebse Shqip\u00ebria vijon t\u00eb p\u00ebrballet me nj\u00eb nga krizat m\u00eb t\u00eb thella demografike n\u00eb Europ\u00eb. T\u00eb dh\u00ebnat e fundit t\u00eb Eurostat tregojn\u00eb se, ndon\u00ebse emigracioni ka qen\u00eb nj\u00eb fenomen i pand\u00ebrprer\u00eb q\u00eb nga r\u00ebnia e regjimit komunist, ritmi i largimeve \u00ebsht\u00eb p\u00ebrshpejtuar ndjesh\u00ebm pas\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\/07\/Edi-Rama-Shpopullimi-.jpg?fit=900%2C527&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/Edi-Rama-Shpopullimi-.jpg?fit=900%2C527&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/Edi-Rama-Shpopullimi-.jpg?fit=900%2C527&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/07\/Edi-Rama-Shpopullimi-.jpg?fit=900%2C527&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":103571,"url":"https:\/\/www.shqiperia.com\/blog\/tregu-i-pronave-ne-shqiperi-cmimet-rriten-me-shpejt-se-pagat-rrezik-mbivleresimi\/","url_meta":{"origin":84117,"position":3},"title":"Tregu i pronave n\u00eb Shqip\u00ebri\/ \u00c7mimet rriten m\u00eb shpejt se pagat, rrezik mbivler\u00ebsimi","author":"Kurt Farka","date":"August 1, 2026","format":false,"excerpt":"1 Gusht 2026 A \u00ebsht\u00eb tregu imobiliar shqiptar n\u00eb nj\u00eb fllusk\u00eb, apo rritja e \u00e7mimeve mb\u00ebshtetet ende nga faktor\u00eb ekonomik\u00eb? Nj\u00eb perspektiv\u00eb investimi e bazuar n\u00eb t\u00eb dh\u00ebna nga Banka e Shqip\u00ebris\u00eb, INSTAT, Fondi Monetar Komb\u00ebtar dhe Banka Bot\u00ebrore Tregu i pasurive t\u00eb paluajtshme \u00ebsht\u00eb mesatarisht i mbivler\u00ebsuar, por nuk\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\/08\/OIP-1-1.webp?fit=474%2C249&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":100367,"url":"https:\/\/www.shqiperia.com\/blog\/si-do-jete-moti-javen-e-ardhshme-dhe-data-zyrtare-kur-shirat-me-ne-fund-do-ndalen\/","url_meta":{"origin":84117,"position":4},"title":"Si do jet\u00eb moti jav\u00ebn e ardhshme dhe \u201cdata zyrtare\u201d kur shirat m\u00eb n\u00eb fund do ndalen!","author":"Kurt Farka","date":"May 17, 2026","format":false,"excerpt":"17 Maji 2026 N\u00eb baz\u00eb t\u00eb t\u00eb dh\u00ebnave t\u00eb fundit meteorologjike, moti i paq\u00ebndruesh\u00ebm dhe me reshje shiu do t\u00eb mbetet i pranish\u00ebm me nd\u00ebrprerje p\u00ebrgjat\u00eb pjes\u00ebs m\u00eb t\u00eb madhe t\u00eb jav\u00ebs s\u00eb ardhshme. Megjithat\u00eb, situata pritet t\u00eb p\u00ebrmir\u00ebsohet ndjesh\u00ebm drejt fundit t\u00eb muajit. M\u00eb posht\u00eb \u00ebsht\u00eb nj\u00eb pasqyr\u00eb e\u2026","rel":"","context":"In "Njoftime Shtypi"","block_context":{"text":"Njoftime Shtypi","link":"https:\/\/www.shqiperia.com\/blog\/category\/njoftime-shtypi\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/05\/360_F_175787501_Xm9Bjt2byTYJKPaNMHXiDgfjbTkKUAxs.jpg?fit=519%2C360&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":102030,"url":"https:\/\/www.shqiperia.com\/blog\/cfare-mund-te-ndodhe-me-ekonomine-e-vendit-ne-rast-se-lumi-i-pashtershem-i-parave-te-droges-nderpritet\/","url_meta":{"origin":84117,"position":5},"title":"\u00c7far\u00eb mund t\u00eb ndodh\u00eb me ekonomin\u00eb e vendit n\u00eb rast se lumi i pashtersh\u00ebm i parave t\u00eb drog\u00ebs nd\u00ebrpritet","author":"Kurt Farka","date":"June 30, 2026","format":false,"excerpt":"30 Qershor 2025 Nga Gjergj Erebara P\u00ebr aq koh\u00eb sa Edi Rama ka qen\u00eb n\u00eb pushtet, e madje edhe m\u00eb her\u00ebt, flitet q\u00eb parat\u00eb e pista kan\u00eb qen\u00eb t\u00eb pranishme n\u00eb shkall\u00eb t\u00eb madhe dhe kan\u00eb ndikuar ekonomin\u00eb e vendit n\u00eb m\u00ebnyr\u00eb sistemike. Por kushdo q\u00eb mendon se k\u00ebto para\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\/20220625_142710_250622033-3_2iwUFtR-1536x1024-1.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/20220625_142710_250622033-3_2iwUFtR-1536x1024-1.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/20220625_142710_250622033-3_2iwUFtR-1536x1024-1.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/20220625_142710_250622033-3_2iwUFtR-1536x1024-1.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/www.shqiperia.com\/blog\/wp-content\/uploads\/2026\/06\/20220625_142710_250622033-3_2iwUFtR-1536x1024-1.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"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}]}}