https:\/\/dyfisho.ekonomia.gov.al\/sq<\/a><\/p>\nNd\u00ebrkoh\u00eb, nuk financohen rifinancimi i kredive ekzistuese dhe kapitali qarkullues i thjesht\u00eb, si blerja e l\u00ebnd\u00ebs s\u00eb par\u00eb pa lidhje me nj\u00eb projekt investimi. P\u00ebrjashtim mund t\u00eb b\u00ebhet kur l\u00ebnda e par\u00eb \u00ebsht\u00eb pjes\u00eb integrale e nj\u00eb projekti teknologjik.<\/p>\n
Skema \u00ebsht\u00eb e hapur p\u00ebr sektor\u00eb t\u00eb ndrysh\u00ebm t\u00eb ekonomis\u00eb, nd\u00ebrsa prioritet u jepet aktiviteteve n\u00eb bujq\u00ebsi dhe agro-p\u00ebrpunim, prodhim, teknologji dhe software, turiz\u00ebm dhe akomodim, tregti dhe logjistik\u00eb.<\/p>\n
Sa \u00ebsht\u00eb interesi dhe sa zgjat periudha e leht\u00ebsimit?<\/strong><\/p>\nNorma e interesit \u00ebsht\u00eb orientuese 2\u20133%, sipas kushteve t\u00eb programit dhe financimit t\u00eb miratuar. Programi parashikon gjithashtu nj\u00eb periudh\u00eb grace prej t\u00eb pakt\u00ebn 12 muajsh nga disbursimi i kredis\u00eb, gjat\u00eb s\u00eb cil\u00ebs paguhet interesi dhe jo principali, sipas kushteve t\u00eb p\u00ebrcaktuara p\u00ebr kredin\u00eb.<\/p>\n
Pas dor\u00ebzimit t\u00eb plot\u00eb t\u00eb dokumentacionit, procesi i miratimit mund t\u00eb zgjas\u00eb rreth 15\u201330 dit\u00eb pune, por afati konkret varet nga banka dhe nga kompleksiteti i dosjes.<\/p>\n
Afati i aplikimit deri n\u00eb n\u00ebntor 2027<\/strong><\/p>\nAfati i aplikimit \u00ebsht\u00eb deri m\u00eb 20 n\u00ebntor 2027. Megjithat\u00eb, bizneset q\u00eb jan\u00eb t\u00eb interesuara p\u00ebr financim k\u00ebshillohen t\u00eb p\u00ebrgatisin dokumentacionin dhe t\u00eb aplikojn\u00eb sa m\u00eb her\u00ebt.<\/p>\n
N\u00eb faqen e programit \u00ebsht\u00eb v\u00ebn\u00eb n\u00eb dispozicion edhe nj\u00eb kalkulator kredie, p\u00ebr t\u00eb llogaritur n\u00eb m\u00ebnyr\u00eb orientuese pages\u00ebn mujore n\u00eb lek\u00eb, bazuar n\u00eb shum\u00ebn dhe kushtet e financimit.<\/p>\n
P.sh p\u00ebr financim maksimal me vler\u00eb 200 mln lek\u00eb me interes 3% dhe me Garanci Sovrane 70%, llogaritet q\u00eb biznesi p\u00ebrfitues t\u00eb paguaj\u00eb nj\u00eb k\u00ebst mujor me vler\u00eb 1,931,215 lek\u00eb. Afati p\u00ebr shlyerjen e kredis\u00eb \u00ebsht\u00eb llogaritur p\u00ebr aftin maksimal deri n\u00eb 10 vite.<\/p>\n
Q\u00ebllimi i financimit t\u00eb kredis\u00eb \u00ebsht\u00eb p\u00ebr modernizimin e prodhimit.<\/strong><\/p>\nTotali i interesit q\u00eb do t\u00eb paguhet llogaritet n\u00eb vler\u00ebn e 31,745,787 lek\u00ebve. Shuma e garantuar nga shteti llogaritet n\u00eb vler\u00ebn e 140 mln lek\u00ebve.<\/p>\n
N\u00eb praktik\u00eb, nj\u00eb biznes q\u00eb d\u00ebshiron t\u00eb p\u00ebrfitoj\u00eb duhet t\u00eb nis\u00eb me p\u00ebrgatitjen e dokumentacionit dhe nj\u00eb projekt t\u00eb qart\u00eb investimi, t\u00eb konsultohet me bank\u00ebn pjes\u00ebmarr\u00ebse dhe t\u00eb verifikoj\u00eb n\u00ebse aktiviteti dhe investimi i propozuar plot\u00ebsojn\u00eb kriteret e programit.<\/p>\n
Vlera e fondit \u00ebsht\u00eb 25 mld lek\u00eb apo rreth 250 mln euro, shum\u00eb kjo e p\u00ebraf\u00ebrt me 1% t\u00eb PBB-s\u00eb s\u00eb Shqip\u00ebris\u00eb p\u00ebr vitin 2024.<\/p>\n
Ministria e Ekonomis\u00eb: Pyetje t\u00eb Shpeshta dhe Informacione baz\u00eb rreth programit<\/strong><\/p>\n\u00c7far\u00eb \u00ebsht\u00eb Garancia Sovrane dhe si funksionon?<\/strong><\/p>\nShteti garanton nj\u00eb pjes\u00eb t\u00eb principalit t\u00eb kredis\u00eb (deri n\u00eb 70%) ndaj bank\u00ebs. N\u00ebse biznesi nuk mund t\u00eb shlyej\u00eb, shteti mbulon pjes\u00ebn e garantuar. Kjo ul rrezikun e bank\u00ebs dhe mund\u00ebson kushte m\u00eb t\u00eb favorshme kreditimi p\u00ebr NVM-t\u00eb.<\/p>\n
A duhet kolateral shtes\u00eb p\u00ebrve\u00e7 garancis\u00eb sovrane<\/strong><\/p>\nBanka ka t\u00eb drejt\u00eb t\u00eb k\u00ebrkoj\u00eb kolateral vet\u00ebm p\u00ebr pjes\u00ebn prej 30% q\u00eb nuk mbulohet nga garancia sovrane (shteti). Kjo mbasi \u00ebsht\u00eb vler\u00ebsuar rreziku i dosjes se dor\u00ebzuar nga biznesi. P\u00ebr pjes\u00ebn prej 70% q\u00eb garantohet nga garancia sovrane (shteti), banka nuk mund t\u2019ju k\u00ebrkoj\u00eb asnj\u00eb kolateral. Vlera e kolateralit p\u00ebr pjes\u00ebn tuaj (30%) \u00ebsht\u00eb e kufizuar me ligj dhe nuk mund t\u00eb kaloj\u00eb tavanin maksimal t\u00eb mbulimit. P\u00ebr t\u00eb m\u00ebsuar cili \u00ebsht\u00eb ky tavan dhe n\u00ebse do t\u2019ju k\u00ebrkohet sigurim shtes\u00eb, drejtojuni zyrtarit tuaj t\u00eb kredis\u00eb.<\/p>\n
Sa koh\u00eb zgjat procesi i aprovimit<\/strong><\/p>\nZakonisht 15\u201330 dit\u00eb pune pas dor\u00ebzimit t\u00eb plot\u00eb t\u00eb dokumentacionit. (Ky \u00ebsht\u00eb nj\u00eb vler\u00ebsim orientues \u2014 konfirmoni afatin e sakt\u00eb me bank\u00ebn zgjedhur.)<\/p>\n
A mund t\u00eb aplikoj m\u00eb shum\u00eb se n\u00eb 1 bank\u00eb?<\/strong><\/p>\nPo, bizneset mund t\u00eb krahasojn\u00eb ofertat nga banka t\u00eb ndryshme, por kredia finale miratohet nga nj\u00eb bank\u00eb e vetme. Vlera maksimale e mbuluar nga programi \u00ebsht\u00eb deri n\u00eb rreth 200 milion\u00eb lek\u00eb p\u00ebr aplikant.<\/p>\n
\u00c7far\u00eb \u00ebsht\u00eb grace period?<\/strong><\/p>\nPeriudha e grace-it (kur paguhet vet\u00ebm interesi, jo principali) \u00ebsht\u00eb minimumi 12 muaj nga disbursimi i kredis\u00eb, sipas VKM-s\u00eb. Kjo ju jep koh\u00eb t\u00eb investoni pa barr\u00eb t\u00eb menj\u00ebhershme shlyerjeje.<\/p>\n
\u00c7far\u00eb investimesh nuk mbulohen?<\/strong><\/p>\nNuk mbulohen rifinancimi i kredive ekzistuese dhe kapitali qarkullues i thjesht\u00eb (blerje l\u00ebnde t\u00eb par\u00eb pa lidhje me nj\u00eb investim). P\u00ebrjashtim b\u00ebn l\u00ebnda e par\u00eb kur \u00ebsht\u00eb pjes\u00eb integrale e nj\u00eb projekti teknologjik.<\/p>\n
A ofrohet asistenc\u00eb teknike falas?<\/strong><\/p>\nPo \u2014 shteti financon me grant asistenc\u00eb teknike nga ekspert\u00eb p\u00ebr hartimin e planit t\u00eb biznesit dhe p\u00ebrgatitjen e dokumentacionit t\u00eb aplikimit, q\u00eb bizneset t\u00eb ken\u00eb nj\u00eb propozim investimi t\u00eb fort\u00eb p\u00ebrpara se ta paraqesin n\u00eb bank\u00eb.<\/p>\n
Deri kur mund t\u00eb aplikoj?<\/strong><\/p>\nAfati p\u00ebr aplikim sipas VKM-s\u00eb \u00ebsht\u00eb deri m\u00eb 20 n\u00ebntor 2027. Rekomandohet t\u00eb aplikoni sa m\u00eb her\u00ebt, pasi fondi total prej rreth 250 milion\u00eb eurosh shp\u00ebrndahet me radh\u00eb.<\/p>\n","protected":false},"excerpt":{"rendered":"
Taulant Pupa drejtuesi teknik i fabrik\u00ebs s\u00eb p\u00ebrpunimit t\u00eb qum\u00ebshtit \u201cVita 2001 sh.p.k\u201d \u00ebsht\u00eb duke shqyrtuar mund\u00ebsin\u00eb p\u00ebr aplikim p\u00ebr kredi n\u00ebp\u00ebrmjet programit \u201cDyfisho Sip\u00ebrmarrjen tende\u201d. Arsyeja e financimit \u00ebsht\u00eb p\u00ebr vijimin e investimeve t\u00eb nisur p\u00ebr automatizimin e prodhimit p\u00ebr plot\u00ebsimin e standardeve para an\u00ebtar\u00ebsimit n\u00eb BE. Fabrika bashk\u00ebpunon m\u00eb shum\u00eb se 400 fermer\u00eb […]<\/p>\n","protected":false},"author":5,"featured_media":2055,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[56,57],"tags":[],"class_list":["post-2054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-sociale"],"_links":{"self":[{"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/posts\/2054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/comments?post=2054"}],"version-history":[{"count":1,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/posts\/2054\/revisions"}],"predecessor-version":[{"id":2056,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/posts\/2054\/revisions\/2056"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/media\/2055"}],"wp:attachment":[{"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/media?parent=2054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/categories?post=2054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.news24.al\/wp-json\/wp\/v2\/tags?post=2054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}