N\u00ebnt\u00eb persona u vendos\u00ebn n\u00eb mas\u00eb sigurie arrest me burg apo arrest sht\u00ebpie t\u00eb enjten n\u00ebn dyshimin se kan\u00eb p\u00ebrdorur licencat si kompani mikrokrediti dhe p\u00ebrmbarues gjyq\u00ebsor\u00eb p\u00ebr t\u00eb zhvatur mij\u00ebra qytetar\u00eb p\u00ebrmes skemave t\u00eb rifinancimit me kushte t\u00eb k\u00ebqija t\u00eb kredive t\u00eb vjetra apo p\u00ebrmes shantazhimit t\u00eb tyre duke i bllokuar pronat e luajt\u00ebshme apo t\u00eb paluajt\u00ebshme. Prokuror\u00ebt thon\u00eb se kan\u00eb identifikuar raste kur agjencit\u00eb p\u00ebrmbarimore t\u00eb dyshuara kan\u00eb l\u00ebshuar urdh\u00ebr bllokimi p\u00ebr pronat e qytetar\u00ebve q\u00eb nuk kan\u00eb marr\u00eb kurr\u00eb kredi.<\/p>\n
\u201cP\u00ebr likuidimin e k\u00ebtyre kredive t\u00eb blera nga MCA, dyshohet se \u00ebsht\u00eb p\u00ebrdorur vjedhja, duke i detyruar kreditor\u00ebt q\u00eb t\u00eb marrin kredi t\u00eb reja pran\u00eb k\u00ebtij institucioni financiar, p\u00ebr t\u00eb zhbllokuar t\u00eb vjetr\u00ebn, q\u00eb p\u00ebrs\u00ebri e dispononte si portofol agjencia financiare MCA. Me marrjen e nj\u00eb kredie t\u00eb re pran\u00eb agjencis\u00eb financiare MCA zhbllokohej p\u00ebrkoh\u00ebsisht pasuria dhe llogarit\u00eb e kreditor\u00ebve, por m\u00eb von\u00eb agjencia financiare MCA shfaqej me k\u00ebrkes\u00ebn p\u00ebr likuidimin e shumave t\u00eb tjera,\u201d deklaroi prokuroria n\u00eb nj\u00eb njoftim p\u00ebr shtyp.<\/p>\n
Kompania MCA Albania, e cila u b\u00eb simbol i nj\u00eb tregu spekulant\u00ebsh t\u00eb shit-blerjes s\u00eb kredive t\u00eb k\u00ebqija p\u00ebrgjat\u00eb dekad\u00ebs s\u00eb fundit, n\u00eb rastin n\u00ebn hetim bleu gati 4 mij\u00eb kredi t\u00eb pashlyera nga banka Procredit me vler\u00eb totale prej 7.3 milion\u00eb eurosh. Ajo p\u00ebrdori shtr\u00ebngimin p\u00ebrmes bllokimit t\u00eb pronave p\u00ebr t\u00eb detyruar debitor\u00ebt e falimentuar q\u00eb t\u00eb merrnin kredi t\u00eb reja po te e nj\u00ebjta kompani p\u00ebr t\u00eb shlyer t\u00eb vjetr\u00ebn, duke krijuar nj\u00eb zinxhir zhvat\u00ebs.<\/p>\n
Praktika e bllokimit t\u00eb pasuris\u00eb s\u00eb paluajt\u00ebshme t\u00eb nj\u00eb kredimarr\u00ebsi kredie pa kolateral, e cila \u00ebsht\u00eb zbatuar nga p\u00ebrmbarimor\u00ebt, por edhe nga gjykatat, duket se bie ndesh me vet\u00eb themelin e kredimarrjes pa kolateral dhe del nga kontrata e huas\u00eb. N\u00eb bot\u00ebn e bankingut, kredit\u00eb me kolateral mbartin interesa t\u00eb ul\u00ebta dhe n\u00eb rast se huamarr\u00ebsi nuk e shlyen kredin\u00eb, kredidh\u00ebn\u00ebsi merr pron\u00ebn e l\u00ebn\u00eb n\u00eb kolateral dhe e nxjerr at\u00eb n\u00eb shitje p\u00ebr t\u00eb shlyer detyrimin kontraktor. Nga ana tjet\u00ebr, kredit\u00eb pa kolateral n\u00eb m\u00ebnyr\u00eb tipike kan\u00eb interesa shum\u00eb m\u00eb t\u00eb larta pik\u00ebrisht p\u00ebr shkak se banka nuk ka garanci p\u00ebr shlyerjen e saj. Rrjedhimisht urdhrat e bllokimit t\u00eb pasurive t\u00eb kredimarr\u00ebsve pa kolateral t\u00eb falimentuar duksh\u00ebm bie ndesh me konceptin themelor t\u00eb kredidh\u00ebnies pa kolateral.<\/p>\n
Prokuror\u00ebt dyshojn\u00eb gjithashtu q\u00eb llogaritjet e kamat\u00ebvonesave t\u00eb debitor\u00ebve b\u00ebheshin n\u00eb m\u00ebnyr\u00eb mashtruese.<\/p>\n
\u201cK\u00ebto institucione financiare aplikonin nj\u00eb kamat\u00eb vones\u00eb prej 2% + 8% p\u00ebr \u00e7do vit dhe sipas aktit t\u00eb ekspertimit kontab\u00ebl, vlera totale fillestare e detyrimit principal p\u00ebr t\u00eb gjith\u00eb urdhrat e vendosur me pal\u00eb kreditore shoq\u00ebrin\u00eb \u2018Micro Credit Albania\u2019 Sh.a \u00ebsht\u00eb n\u00eb shum\u00ebn 575,842,669.60 lek\u00eb. Nd\u00ebrsa totali i kamat vones\u00ebs ligjore sipas norm\u00ebs 2% + 8% n\u00eb vit \u00ebsht\u00eb n\u00eb shum\u00ebn 258,687,709.07 lek\u00eb,\u201d v\u00ebrejn\u00eb prokuror\u00ebt.<\/p>\n
\u201cN\u00eb aktet hetimore t\u00eb administruara jan\u00eb evidentuar rastet konkrete p\u00ebr fenomenin e vendosjes s\u00eb sekuestrove konservative mbi pasurit\u00eb e paluajtshme q\u00eb jan\u00eb shtrir\u00eb dhe ndaj personave q\u00eb nuk kan\u00eb lidhje fare me ekzekutimin e vendimeve gjyq\u00ebsore. Rast tipik i k\u00ebsaj natyre \u00ebsht\u00eb \u00e7\u00ebshtja\/dosja p\u00ebrmbarimore ku p\u00ebr nj\u00eb detyrim t\u00eb prapambetur prej 347.958 lek\u00ebsh, Micro Credit Albania ka sekuestruar 14 pasuri t\u00eb paluajtshme t\u00eb nj\u00eb shtetasi\u201d, v\u00ebren prokuroria.<\/p>\n
Prokuroria e Tiran\u00ebs ka shpallur moskompetenc\u00eb dhe ka d\u00ebrguar n\u00eb SPAK p\u00ebr hetime t\u00eb m\u00ebtejshme p\u00ebrgjegj\u00ebsin\u00eb e mundshme penale t\u00eb zyrtar\u00ebve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, p\u00ebrfshir\u00eb guvernatorin Gent Sejko, i cili dyshohet se nuk ka vepruar n\u00eb koh\u00eb p\u00ebr t\u00eb ndaluar abuzimet e MCA. Sipas prokuror\u00ebve, Sejko ka d\u00ebrguar grup inspektimi te MCA n\u00eb vitin 2020 nd\u00ebrsa ka nd\u00ebrmarr\u00eb masa p\u00ebr bllokimin e pjessh\u00ebm t\u00eb aktivitetit t\u00eb saj vet\u00ebm dy vjet pasi inspektor\u00ebt e BSH\u00a0 kishin v\u00ebrejtur probleme n\u00eb administrimin e kompanis\u00eb.<\/p>\n
Sejko, i cili u thirr p\u00ebr pyetje n\u00eb parlament n\u00eb lidhje me k\u00ebt\u00eb \u00e7\u00ebshtje, e konsideroi problemin si nj\u00eb \u00e7\u00ebshtje ligjore jasht\u00eb fuqis\u00eb vendimmarr\u00ebse t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb dhe sugjeroi q\u00eb kuvendi t\u00eb nd\u00ebrmarr\u00eb ndryshime ligjore p\u00ebr t\u00eb mbik\u00ebqyrur m\u00eb mir\u00eb tregun e p\u00ebrmbaruesve gjyq\u00ebsor\u00eb privat.<\/p>\n
Lexo m\u00eb shum\u00eb:<\/strong><\/p>\n Skema e \u2018mashtrimit\u2019 me kredit\u00eb \u00e7on guvernatorin Sejko n\u00eb SPAK<\/a><\/p>\n