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{"id":1150,"date":"2024-09-24T13:10:33","date_gmt":"2024-09-24T13:10:33","guid":{"rendered":"https:\/\/bqk.hpdevenv.com\/edu\/?page_id=1150"},"modified":"2024-10-08T09:32:17","modified_gmt":"2024-10-08T09:32:17","slug":"pyetjet-me-te-shpeshta","status":"publish","type":"page","link":"https:\/\/bqk.hpdevenv.com\/edu\/index.php\/pyetjet-me-te-shpeshta\/","title":{"rendered":"Pyetjet m\u00eb t\u00eb shpeshta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1150\" class=\"elementor elementor-1150\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-32d3e83 shared-top-layout e-flex e-con-boxed e-con e-parent\" data-id=\"32d3e83\" data-element_type=\"container\">\r\n\t\t\t\t\t<div class=\"e-con-inner\">\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-fc9f254 e-con-full shared-top-layout e-flex e-con e-parent\" data-id=\"fc9f254\" data-element_type=\"container\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-952f98c elementor-widget elementor-widget-title-section\" data-id=\"952f98c\" data-element_type=\"widget\" data-widget_type=\"title-section.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"title-section  \"  data-target=\"pyetjet-me-te-shpeshta\">\r\n\t\t\t\t\t\t\t<h1 class=\"shared-title\">Pyetjet m\u00eb t\u00eb shpeshta<\/h1>\r\n\t\t\t\t\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t<style>\r\n\t\t\t.title-section.no-title .shared-title {\r\n\t\t\t\tmargin-bottom: 0;\r\n\t\t\t}\r\n\r\n\t\t.title-section.has-subtitle .shared-title {\r\n\t\t\tmargin-bottom: max(12px, 0.833vw); \r\n\t\t}\r\n\r\n\r\n\t\t<\/style>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t<div class=\"elementor-element elementor-element-7c4673b e-con-full shared-layout e-flex e-con e-parent\" data-id=\"7c4673b\" data-element_type=\"container\">\r\n\t\t\t\t<div class=\"elementor-element elementor-element-7bcfead elementor-widget elementor-widget-accordion\" data-id=\"7bcfead\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\r\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si mund ta kontaktoj Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs mund t\u00eb kontaktoni:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes e- mailit: info@bqk-kos.org\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"tel:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes Telefonit: 0383 38 222 055\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes post\u00ebs zyrtare n\u00eb adres\u00ebn: Rr. Garibaldi nr. 33 Prishtin\u00eb, Kosov\u00eb.\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-05f2140 elementor-widget elementor-widget-accordion\" data-id=\"05f2140\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>A mund t\u00eb hapi llogari apo t\u00eb marr\u00eb kredi n\u00eb BQK?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p> Jo. Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs nuk \u00ebsht\u00eb bank\u00eb komerciale. Nuk ofron sh\u00ebrbime bankare, nuk hap llogari e as nuk pranon depozita p\u00ebr publikun e gjer\u00eb. BQK i licencon, mbik\u00ebqyr dhe rregullon institucionet financiare q\u00eb operojn\u00eb n\u00eb vend.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-5c9b764 elementor-widget elementor-widget-accordion\" data-id=\"5c9b764\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Cilat jan\u00eb institucionet financiare q\u00eb i licencon, mbik\u00ebqyr dhe rregullon BQK-ja?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs (BQK) ka p\u00ebrgjegj\u00ebsi ekskluzive p\u00ebr licencimin\/regjistrimin, mbik\u00ebqyrjen dhe rregullimin e institucioneve financiare: banka, sigurues, fonde pensionale, institucione mikrofinanciare, institucione financiare jobankare, nd\u00ebrmjet\u00ebsues n\u00eb sigurime, trajtues t\u00eb d\u00ebmeve si dhe subjekteve tjera juridike q\u00eb ushtrojn\u00eb veprimtari financiare si\u00e7 p\u00ebrcaktohet me legjislacionin n\u00eb fuqi n\u00eb Republik\u00ebn n\u00eb Kosov\u00ebs.\n\n<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>K\u00ebto jan\u00eb institucionet financiare t\u00eb licencuara\/regjistruara nga BQK p\u00ebr t\u00eb ushtruar veprimtari financiare n\u00eb Republik\u00ebn e Kosov\u00ebs: kliko<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-9742619 elementor-widget elementor-widget-accordion\" data-id=\"9742619\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si mund t\u00eb informohem p\u00ebr licencimin e nj\u00eb veprimtarie financiare?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>T\u00eb interesuarve p\u00ebr t\u2019u pajisur me licenc\u00eb p\u00ebr t\u00eb ushtruar veprimtari financiare n\u00eb Republik\u00ebn e Kosov\u00ebs, fillimisht iu sugjerohet t\u00eb lexojn\u00eb manualet p\u00ebrkat\u00ebse t\u00eb licencimit dhe pyetjet m\u00eb t\u00eb shpeshta pastaj duhet t\u00eb kontaktojn\u00eb direkt Departamentin e Licencimit dhe Standardizimit n\u00eb BQK p\u00ebr caktimin e takimit informues, i cili \u00ebsht\u00eb i obliguesh\u00ebm t\u00eb mbahet para fillimit t\u00eb procesit t\u00eb aplikimit.\n\n<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr m\u00eb shum\u00eb informata referojuni faqes zyrtare t\u00eb BQK-s\u00eb p\u00ebrkat\u00ebsisht menus s\u00eb Licencimit Financiar: https:\/\/bqk-kos.org\/?id=117.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-ac5722c elementor-widget elementor-widget-accordion\" data-id=\"ac5722c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Ku dhe si mund ta marr\u00eb historin\u00eb time t\u00eb kredis\u00eb\/ Gjendjen e kredis\u00eb?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr t\u2019u njoftuar m\u00eb detajisht lidhur me gjendjen tuaj kreditore, ju  fillimisht duhet t\u00eb aplikoni p\u00ebr raport kreditor t\u00eb cilin  mund ta b\u00ebni n\u00eb 3 forma:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Aplikimi n\u00eb Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs,  \u00e7do dit\u00eb pune prej 8-12 dhe prej 13:00 deri ne 16:00 \u2013 t\u00eb sillet kopja e let\u00ebrnjoftimit dhe formulari p\u00ebr aplikim t\u00eb raportit kreditor i cili merret n\u00eb BQK ose shkarkohet nga faqja zyrtare e BQK-s\u00eb, kliko k\u00ebtu.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Aplikimi n\u00eb ndonj\u00ebr\u00ebn nga deg\u00ebt e  bankave komerciale  dhe p\u00ebrmes portalit p\u00ebr qytetar (www.raportikreditor.org) ku pas regjistrimit printohet forma  e regjistrimit dhe kopja e let\u00ebrnjoftimit dhe sillen n\u00eb BQK.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Linku ku ju  mund t\u00eb merrni informata m\u00eb t\u00eb holl\u00ebsishme rreth aplikimit p\u00ebr raportin kreditor kliko k\u00ebtu:, nd\u00ebrsa linku p\u00ebrmes t\u00eb cilit jepen udh\u00ebzimet q\u00eb duhet t\u00eb ndiqen n\u00eb rastet e kontestimit t\u00eb t\u00eb dh\u00ebnave n\u00eb sistemin e Regjistrit t\u00eb Kredive https:\/\/bqk-kos.org\/?id=45 .<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Gjithashtu ju informojm\u00eb q\u00eb historia e klientit n\u00eb Regjist\u00ebr t\u00eb Kredive n\u00eb BQK, paraqitet n\u00eb raportin kreditor konform rregullativ\u00ebs n\u00eb fuqi. N\u00eb momentin q\u00eb plot\u00ebsohen kriteret, sistemi n\u00eb m\u00ebnyr\u00eb automatike e largon informat\u00ebn historike nga t\u00eb paraqiturit n\u00eb raportin kreditor.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>*BQK-ja nuk vendos klient n\u00eb asnj\u00eb kategori dhe nuk b\u00ebn asnj\u00eb ndryshim apo largim t\u00eb informacioneve.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-e014b9b elementor-widget elementor-widget-accordion\" data-id=\"e014b9b\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>A mund t\u00eb p\u00ebrmir\u00ebsohet historia kreditore?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Ruajta e t\u00eb dh\u00ebnave n\u00eb sistem p\u00ebr historin\u00eb kreditore t\u00eb \u00e7do klienti p\u00ebrcaktohet me rregulloret p\u00ebrkat\u00ebse dhe nuk mund t\u00eb p\u00ebrmir\u00ebsohet p\u00ebrve\u00e7 rasteve t\u00eb ve\u00e7anta kur ekziston ndonj\u00eb gabim n\u00eb raportim.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Bazuar n\u00eb Udh\u00ebzimin e Regjistrit t\u00eb Kredive (Regjistri i Kredive), p\u00ebrkat\u00ebsisht nenin 13, t\u00eb dh\u00ebnat kreditore do t\u00eb mbahen deri n\u00eb pes\u00eb (5) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Kredit\u00eb e klasifikuara n\u00eb kategorin\u00eb W do t\u00eb paraqiten deri n\u00eb shtat\u00eb (7) vite pas p\u00ebrdit\u00ebsimit t\u00eb fundit me shum\u00ebn e mbetur zero. Pas k\u00ebsaj periudhe t\u00eb dh\u00ebnat do t\u00eb arkivohen. Nd\u00ebrsa sa i p\u00ebrket p\u00ebrdit\u00ebsimit t\u00eb t\u00eb dh\u00ebnave mund t\u2019i referoheni nenit 5 t\u00eb k\u00ebtij udh\u00ebzimi.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b21105f elementor-widget elementor-widget-accordion\" data-id=\"b21105f\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si krijohet historia kreditore? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Historia kreditore \u00ebsht\u00eb historia e shlyerjes s\u00eb pagesave t\u00eb borxheve p\u00ebr \u00e7do produkt kreditor p\u00ebr t\u00eb cilin i detyroheni bank\u00ebs. Ofruesit e kredive jan\u00eb t\u00eb obliguar t\u00eb ofrojn\u00eb p\u00ebr Regjistrin e Kredive informacione t\u00eb sakta, t\u00eb plota dhe me koh\u00eb p\u00ebr \u00e7do produkt kreditor t\u00eb klient\u00ebve t\u00eb tyre.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-cefb733 elementor-widget elementor-widget-accordion\" data-id=\"cefb733\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>              Cilat ankesa trajton Divizioni p\u00ebr Shqyrtimin e Ankesave n\u00eb BQK?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Divizioni p\u00ebr Shqyrtimin e Ankesave t\u00eb Shfryt\u00ebzueseve t\u00eb Sh\u00ebrbimeve Financiare shqyrton vet\u00ebm ankesat e shfryt\u00ebzueseve (klient\u00ebve\/konsumator\u00ebve) t\u00eb sh\u00ebrbimeve financiare, p\u00ebrkat\u00ebsisht ankesat p\u00ebr sh\u00ebrbime\/produkte financiare t\u00eb ofruara nga institucionet financiare t\u00eb licencuara n\u00eb vend.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-166a98d elementor-widget elementor-widget-accordion\" data-id=\"166a98d\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si mund t\u00eb parashtrohet nj\u00eb ankes\u00eb?  <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>BQK ju k\u00ebshillon q\u00eb s\u00eb pari t\u00eb kontaktoni institucionin financiar p\u00ebrkat\u00ebs dhe t\u00eb k\u00ebrkoni zgjidhje nga aty.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>M\u00eb s\u00eb miri \u00ebsht\u00eb q\u00eb ankes\u00ebn ndaj institucionit financiar ta parashtroni me shkrim sepse mund t\u00eb regjistroni \u00e7do gj\u00eb q\u00eb ju thuhet. Institucionet financiare q\u00eb jan\u00eb n\u00ebn mbik\u00ebqyrjen e BQK-s\u00eb jan\u00eb t\u00eb obliguara t\u2019ju njoftojn\u00eb me shkrim se e kan\u00eb pranuar ankes\u00ebn tuaj dhe duhet t\u2019ju p\u00ebrgjigjen me shkrim brenda 15 dit\u00ebsh nga data juaj e ankes\u00ebs, duke ju l\u00ebn\u00eb t\u00eb kuptoni n\u00ebse ankesa juaj \u00ebsht\u00eb zgjidhur ose refuzuar<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Po ashtu, duhet t\u2019ju njoftojn\u00eb m\u00eb shkrim n\u00ebse ju nevojitet m\u00eb shum\u00eb koh\u00eb p\u00ebr ta shqyrtuar ankes\u00ebn tuaj.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Prandaj ju lutemi q\u00eb t\u2019i kushtoni v\u00ebmendje afatit prej 15 dit\u00ebsh prej kur jeni ankuar para se ta kontaktoni BQK-n\u00eb. N\u00ebse nuk jeni t\u00eb k\u00ebnaqur me p\u00ebrgjigjen e ofruar nga institucioni financiar, n\u00ebse ata kan\u00eb refuzuar ankes\u00ebn tuaj ose nuk merrni p\u00ebrgjigje brenda afatit prej 15 dit\u00ebsh, at\u00ebher\u00eb ju mund t\u2019i drejtoheni BQK-s\u00eb.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Ankes\u00ebn n\u00eb BQK, mund ta paraqitni n\u00eb nj\u00ebr\u00ebn nga m\u00ebnyrat n\u00eb vijim:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>N\u00ebp\u00ebrmjet sistemit elektronik https:\/\/ankesat.bqk-kos.org<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>N\u00ebp\u00ebrmjet adres\u00ebs postare.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Duke e dor\u00ebzuar personalisht n\u00eb zyr\u00ebn e arkivit t\u00eb  BQK-s\u00eb.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>N\u00ebp\u00ebrmjet fax-it por jo telefonit.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Pranimi i ankesave b\u00ebhet vet\u00ebm n\u00eb form\u00eb t\u00eb shkruar dhe p\u00ebrgjigjen do ta pranoni gjithashtu me shkrim.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-b45b4ad elementor-widget elementor-widget-accordion\" data-id=\"b45b4ad\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Kush i p\u00ebrcakton tarifat p\u00ebr sh\u00ebrbimet bankare? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>BQK-ja nuk i cakton \u00e7mimet dhe tarifat p\u00ebr produktet\/sh\u00ebrbimet e bankave, ato i vendosin \u00e7mimet dhe tarifat p\u00ebr produktet dhe sh\u00ebrbimet e tyre individualisht bazuar n\u00eb politikat e tyre afariste.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Megjithat\u00eb, p\u00ebrmes \u201cRregullores p\u00ebr norm\u00ebn efektive t\u00eb interesit dhe k\u00ebrkesat p\u00ebr shpalosje\u201d, BQK-ja k\u00ebrkon nga bankat q\u00eb t\u00eb gjitha \u00e7mimet dhe tarifat p\u00ebr produktet dhe sh\u00ebrbimet e tyre t\u00eb jen\u00eb t\u00eb lidhura direkt me koston e ofrimit t\u00eb k\u00ebtyre produkteve dhe sh\u00ebrbimeve, si dhe t\u00eb shpalosen n\u00eb m\u00ebnyr\u00eb t\u00eb dukshme dhe t\u00eb jet\u00eb n\u00eb dispozicion p\u00ebr t\u00eb gjith\u00eb klient\u00ebt e tyre n\u00eb m\u00ebnyr\u00eb q\u00eb klient\u00ebt t\u00eb mund t\u00eb b\u00ebjn\u00eb krahasimin e \u00e7mimeve dhe tarifave t\u00eb bankave t\u00eb ndryshme.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1e791 elementor-widget elementor-widget-accordion\" data-id=\"2c1e791\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Sa zgjat procedura p\u00ebr mbyllje t\u00eb kredis\u00eb? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Koh\u00ebzgjatja e procedur\u00ebs p\u00ebr mbyllje t\u00eb kredis\u00eb p\u00ebrcaktohet me Ligjin p\u00ebr Mbrojtjen e Konsumatorit, si dhe kushtet e kontrat\u00ebs s\u00eb kredis\u00eb q\u00eb ju keni lidhur me institucionin financiar p\u00ebrkat\u00ebs.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Cilat kredi nuk mund t\u00eb parapaguhen n\u00eb baz\u00eb t\u00eb Ligjit p\u00ebr Mbrojtjen e Konsumatorit?<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Ligjit p\u00ebr Mbrojtjen e Konsumatorit, thekson se p\u00ebrjashtohen nga fusha e veprimit t\u00eb k\u00ebtij ligji, (kredit\u00eb jokonsumuese) kredit\u00eb e marra p\u00ebr banim, p\u00ebr investim dhe zgjerim t\u00eb biznesit apo pron\u00ebs si dhe kredit\u00eb q\u00eb jan\u00eb t\u00eb siguruara me an\u00eb t\u00eb hipotek\u00ebs ose nga ndonj\u00eb sigurim tjet\u00ebr i krahasuesh\u00ebm, q\u00eb p\u00ebrdoret zakonisht mbi pron\u00ebn e paluajtshme apo t\u00eb siguruara n\u00ebp\u00ebrmjet nj\u00eb t\u00eb drejte q\u00eb lidhet me pron\u00ebn e paluajtshme.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-df6f7c8 elementor-widget elementor-widget-accordion\" data-id=\"df6f7c8\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Cilat jan\u00eb detyrimet dhe p\u00ebrgjegj\u00ebsit\u00eb e pal\u00ebve t\u00eb tjera t\u00eb p\u00ebrfshira n\u00eb kredi p\u00ebrve\u00e7 vet\u00eb kredimarr\u00ebsit? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>T\u00eb gjitha pal\u00ebt e tjera t\u00eb p\u00ebrfshira n\u00eb nj\u00eb kredi si bashk\u00ebhuamarr\u00ebsi dhe garantuesi kan\u00eb t\u00eb nj\u00ebjtat detyrime dhe p\u00ebrgjegj\u00ebsi ndaj institucionit financiar ashtu si vet\u00eb kredimarr\u00ebsi p\u00ebr mbar\u00ebvajtjen dhe shlyerjen me koh\u00eb t\u00eb borxhit.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-3b7a2d9 elementor-widget elementor-widget-accordion\" data-id=\"3b7a2d9\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Cilat d\u00ebme paguhen me Raport Evropian? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Raporti evropian plot\u00ebsohet n\u00eb rastet e aksidentit me d\u00ebme t\u00eb vogla materiale, (ku vlera e d\u00ebmit nuk tejkalon shum\u00ebn prej 500 eurosh). Ndaj n\u00ebse vlera e d\u00ebmit t\u00eb shkaktuar n\u00eb automjetin tuaj e tejkalon shum\u00ebn e parapar\u00eb, p\u00ebr kompensimin e d\u00ebmeve t\u00eb tilla l\u00ebnda duhet t\u00eb plot\u00ebsohet me Raport policor.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-8609b2c elementor-widget elementor-widget-accordion\" data-id=\"8609b2c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>\u00c7ka  n\u00ebnkuptojm\u00eb me Sigurimin e autop\u00ebrgjegj\u00ebsis\u00eb (TPL)<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Sigurimi i detyruesh\u00ebm i p\u00ebrgjegj\u00ebsis\u00eb s\u00eb pronarit dhe poseduesit t\u00eb mjetit motorik p\u00ebr d\u00ebmet e shkaktuara pal\u00ebve t\u00eb treta.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Polica e sigurimit kontraktohet vet\u00ebm nga sigurues t\u00eb licencuar nga BQK- ja. Polica e sigurimit duhet t\u00eb jet\u00eb unike n\u00eb t\u00ebr\u00eb territorin e Republik\u00ebs s\u00eb Kosov\u00ebs.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-d71184d elementor-widget elementor-widget-accordion\" data-id=\"d71184d\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>\u00c7ka \u00ebsht\u00eb TPL Plus?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>TPL Plus n\u00ebnkupton njohjen reciproke n\u00eb mes dy vendeve, prandaj mjetet motorike dhe shfryt\u00ebzuesit e mjeteve-motorike t\u00eb regjistruara n\u00eb Kosov\u00eb, t\u00eb cil\u00ebt posedojn\u00eb polic\u00ebn valide t\u00eb sigurimit TPL Plus, nuk kan\u00eb nevoj\u00eb p\u00ebr sigurim kufitar n\u00eb Maqedoni, nd\u00ebrsa p\u00ebr t\u00eb l\u00ebvizur n\u00eb Shqip\u00ebri  mjafton vet\u00ebm  polica valide vendore TPL.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-0d4210b elementor-widget elementor-widget-accordion\" data-id=\"0d4210b\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> \u00c7ka \u00ebsht\u00eb Bonus \u2013 Malus dhe si aplikohet? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Sistemi Bonus-Malus - \u00ebsht\u00eb sistem i cili zbatohet si korrektues i lart\u00ebsis\u00eb s\u00eb primit t\u00eb sigurimit  t\u00eb autop\u00ebrgjegj\u00ebsis\u00eb, bazuar n\u00eb historikun e d\u00ebmeve t\u00eb t\u00eb siguruarit (polic\u00ebmbajt\u00ebsit).<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Secilit t\u00eb siguruar n\u00eb Kosov\u00eb, q\u00eb ka kontrat\u00ebn (polic\u00ebn) e sigurimit t\u00eb detyruesh\u00ebm nga autop\u00ebrgjegj\u00ebsia me afat t\u00eb pakt\u00ebn nj\u00eb vit, niveli i premis\u00eb i caktohet sipas sistemit bonus-malus, p\u00ebrkat\u00ebsisht sipas shkall\u00ebve t\u00eb premis\u00eb, var\u00ebsisht nga fakti n\u00ebse n\u00eb periudh\u00ebn e kaluar t\u00eb sigurimit (v\u00ebzhgimit) ka pasur d\u00ebme t\u00eb deklaruara apo jo.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Bazuar n\u00eb Ligjin p\u00ebr Sigurimin e Detyruesh\u00ebm nga Auto-p\u00ebrgjegj\u00ebsia, BQK-ja ka nxjerr\u00eb  Rregulloren p\u00ebr zbatimin e sistemit Bonus-Malus Rregullore p\u00ebr zbatimin e sistemit bonus malus.pdf (bqk-kos.org), e cila rregullon nivelin e primit t\u00eb sigurimit t\u00eb automjetit, bazuar n\u00eb historikun e k\u00ebrkesave t\u00eb t\u00eb siguruarit. R\u00ebnd\u00ebsia e k\u00ebtij sistemi \u00ebsht\u00eb se nga Bonusi do t\u00eb p\u00ebrfitojn\u00eb shofer\u00ebt e mir\u00eb dhe t\u00eb disiplinuar dhe ata q\u00eb jan\u00eb t\u00eb kujdessh\u00ebm n\u00eb trafik dhe n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb n\u00ebp\u00ebrmjet Malusit, shofer\u00ebt q\u00eb shkaktojn\u00eb aksidente, do t\u00eb jen\u00eb n\u00eb disavantazh.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-2da561e elementor-widget elementor-widget-accordion\" data-id=\"2da561e\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Cilat d\u00ebme paguhen nga Byroja Kosovare e Sigurimeve?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Byroja Kosovare e Sigurimeve mbulon d\u00ebmet e shkaktuara nga mjeti motorik i pasiguruar me regjistrim t\u00eb huaj, nga mjeti motorik i pasiguruar me regjistrim vendor, nga mjeti motorik i paidentifikuara, n\u00eb rast t\u00eb likuidimit apo falimentimit t\u00eb siguruesit si dhe d\u00ebmshp\u00ebrblimet bazuar n\u00eb sigurimin kufitar.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-059c104 elementor-widget elementor-widget-accordion\" data-id=\"059c104\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Ku duhet t\u00eb paraqitni k\u00ebrkes\u00ebn p\u00ebr d\u00ebmshp\u00ebrblim?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>I d\u00ebmtuari ka t\u00eb drejt\u00eb q\u00eb k\u00ebrkes\u00ebn p\u00ebr d\u00ebmshp\u00ebrblim nga sigurimi i autop\u00ebrgjegj\u00ebsis\u00eb t\u2019ia parashtroj\u00eb drejtp\u00ebrdrejt siguruesit p\u00ebrgjegj\u00ebs.  Procedurat  p\u00ebr pranimin, regjistrimin, trajtimin, pages\u00ebn dhe kontrollimin e k\u00ebrkesave p\u00ebr d\u00ebmshp\u00ebrblim q\u00eb rrjedhin nga sigurimi i detyruesh\u00ebm nga autop\u00ebrgjegj\u00ebsia i gjeni k\u00ebtu.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-0f13a04 elementor-widget elementor-widget-accordion\" data-id=\"0f13a04\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Sa \u00ebsht\u00eb numri i depozitave n\u00eb Kosov\u00eb?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Ju informojm\u00eb q\u00eb informatat rreth depozitave mund t\u2019i gjeni n\u00eb linkun n\u00eb vijim: https:\/\/www.bqk-kos.org\/?id=55,  gjithashtu p\u00ebr m\u00eb shum\u00eb informata i referoheni raporteve apo publikimeve tjera t\u00eb cilat gjenden n\u00eb faqen zyrtare t\u00eb BQK-s\u00eb www.bqk-kos.org.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-f066a5f elementor-widget elementor-widget-accordion\" data-id=\"f066a5f\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Ku mund t\u00eb njoftohemi p\u00ebr d\u00ebrgesat e emigrant\u00ebve:<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>K\u00ebto t\u00eb dh\u00ebna mund t\u2019i gjeni n\u00eb faqen zyrtare t\u00eb BQK-s\u00eb, p\u00ebrkat\u00ebsisht n\u00eb kategorin\u00eb e Serive Kohore, n\u00eb linqet si m\u00eb posht\u00eb:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>D\u00ebrgesat e emigrant\u00ebve - sipas kanalave<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>D\u00ebrgesat e emigrant\u00ebve - sipas shteteve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-bb20348 elementor-widget elementor-widget-accordion\" data-id=\"bb20348\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Ku mund ta gjej informata dhe t\u00eb dh\u00ebna p\u00ebr Statistikat Financiare dhe Monetare <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Bazuar n\u00eb Ligjin mbi Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs (BQK), BQK-ja grumbullon, p\u00ebrpilon dhe publikon statistika p\u00ebr realizimin e objektivave t\u00eb saja dhe m\u00eb gjer\u00eb. Nj\u00ebkoh\u00ebsisht, BQK-ja ofron edhe informacion lidhur me metodik\u00ebn statistikore. Statistikat n\u00eb p\u00ebrgjegj\u00ebsi t\u00eb drejtp\u00ebrdrejt\u00eb t\u00eb BQK-s\u00eb jan\u00eb Statistikat Monetare dhe Financiare, dhe Statistikat e Sektorit t\u00eb Jasht\u00ebm. Informata dhe detaje m\u00eb t\u00eb holl\u00ebsishme mund t\u00eb gjeni n\u00eb linqet n\u00eb vijim.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Statistika: https:\/\/bqk-kos.org\/?id=47 , dhe<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Serit\u00eb kohore   https:\/\/bqk-kos.org\/?m=t&amp;id=55<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-6693105 elementor-widget elementor-widget-accordion\" data-id=\"6693105\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>A publikon BQK-ja t\u00eb dh\u00ebna p\u00ebr normat e interesit n\u00eb kredi dhe depozita dhe ku mund t\u2019i gjej\u00eb ato?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>BQK p\u00ebrpilon t\u00eb dh\u00ebnat p\u00ebr normat e interesit n\u00eb kredi dhe depozita q\u00eb aplikohen nga bankat komerciale dhe institucionet mikrofinanciare. N\u00eb kuad\u00ebr t\u00eb depozitave raportohen normat e interesit n\u00eb llogarit\u00eb rrjedh\u00ebse, depozitat e afatizuara dhe depozitat e kursimeve, nd\u00ebrsa kredit\u00eb raportohen t\u00eb ndara sipas q\u00ebllimit (kredi investuese, jo investuese, kredi konsumuese, mbit\u00ebrheqje, etj.). P\u00ebr m\u00eb shum\u00eb rreth normave t\u00eb interesit, klikoni k\u00ebtu.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr normat e aplikuara nga bankat komerciale, normat e interesit publikohen n\u00eb k\u00ebto dy tabela:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Normat efektive t\u00eb interesit t\u00eb KTD-ve n\u00eb kredi<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Normat efektive t\u00eb interesit t\u00eb KTD-ve n\u00eb depozita<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kurse p\u00ebr normat e aplikuara nga institucionet mirkofinanciare normat e interesit publikohen n\u00eb k\u00ebt\u00eb tabel\u00eb: Normat efektive t\u00eb interesit t\u00eb NTF-ve.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-beeec6c elementor-widget elementor-widget-accordion\" data-id=\"beeec6c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>P\u00ebrve\u00e7 KTD-ve, cilat institucione merren me lejimin e kredive?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebrve\u00e7 bankave komerciale (KTD), institucionet tjera q\u00eb merren me lejimin e kredive jan\u00eb institucionet mikrofinanciare t\u00eb ashtuquajtura nd\u00ebrmjet\u00ebsit tjer\u00eb financiar ose institucionet mirkofinanciare. P\u00ebr dallim nga bankat komerciale, nd\u00ebrmjet\u00ebsit tjer\u00eb financiar jan\u00eb t\u00eb angazhuar n\u00eb huadh\u00ebnie n\u00eb shuma m\u00eb t\u00eb vogla. T\u00eb gjitha statistikat rreth institucioneve mikrofinanciare mund t\u2019i gjeni n\u00eb k\u00ebt\u00eb adres\u00eb. Tabelat kryesore jan\u00eb k\u00ebto:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Pasqyra e nd\u00ebrmjet\u00ebsve t\u00eb tjer\u00eb financiar\u00eb (NTF)<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Bilanci i gjendjes s\u00eb NTF-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Pasqyra e t\u00eb hyrave t\u00eb NTF-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e NTF-ve - sipas maturitetit<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e NTF-ve - sipas sektor\u00ebve ekonomik\u00eb<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>NTF - lizingu<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Aktiviteti i NTF-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Normat efektive t\u00eb interesit t\u00eb NTF-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e NTF-ve - kredit\u00eb e reja<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-4384e93 elementor-widget elementor-widget-accordion\" data-id=\"4384e93\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Ku mund t\u2019i gjej\u00eb statistikat bankare? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Statistikat p\u00ebr bankat komerciale publikohen n\u00eb kuad\u00ebr t\u00eb Serive Kohore. K\u00ebtu p\u00ebrfshihen tabelat p\u00ebr bilancet e gjendjes, bilancet e suksesit, depozitat, kredit\u00eb,  normat e interesit, kursin e k\u00ebmbimit, etj. Tabelat kryesore jan\u00eb si vijon:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Pasqyra e korporatave t\u00eb tjera depozituese (KTD)<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Bilanci i gjendjes s\u00eb KTD-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p> Pasqyra e t\u00eb hyrave t\u00eb KTD-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e KTD-ve - sipas maturitetit<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e KTD-ve - sektor\u00ebt ekonomik\u00eb<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kredit\u00eb e KTD-ve - kredit\u00eb e reja<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Investimet e KTD-ve n\u00eb kredi dhe depozita<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Depozitat n\u00eb KTD - depozitat n\u00eb euro<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Depozitat n\u00eb KTD - depozitat n\u00eb jo euro<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Depozitat dhe huamarrjet e KTD-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Depozitat e KTD-ve - depozitat e reja<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Huamarrjet(borxhet) e KTD-ve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>etrat me Vler\u00eb t\u00eb Qeveris\u00eb - Normat e interesit dhe shuma<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Kursi devizor<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Sistemi i pagesave<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Rrjeti i KTD-ve dhe numri i t\u00eb pun\u00ebsuarve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-e34f063 elementor-widget elementor-widget-accordion\" data-id=\"e34f063\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>  Ku mund t\u00eb informohemi p\u00ebr investimet e huaja n\u00eb Kosov\u00eb? <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Statistikat p\u00ebr investimet direkte n\u00eb Kosov\u00eb publikohen n\u00eb baza t\u00eb rregullta mujore nga BQK-ja, n\u00eb kuad\u00ebr t\u00eb menus \u201cStatistikat\/Serit\u00eb Kohore\u201d.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Vizitoni faqen zyrtare t\u00eb internetit t\u00eb BQK-s\u00eb, ku mund t\u2019i gjeni t\u00eb gjitha. Disa nga tabelat jan\u00eb:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Investimet e huaja direkte \u2013 sipas z\u00ebrave financiar\u00eb<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Investimet e huaja direkte - sipas sektor\u00ebve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Investimet e huaja direkte - sipas shteteve<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Investimet e huaja direkte - sipas kriterit gjeografik<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-d77e0ee elementor-widget elementor-widget-accordion\" data-id=\"d77e0ee\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>A \u00ebsht\u00eb i rregulluar p\u00ebrdorimi i monedh\u00ebs virtuale (kriptovalutave) n\u00eb Kosov\u00eb, me ndonj\u00eb akt ligjor t\u00eb nxjerr\u00eb nga BQK-ja <\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Parat\u00eb virtuale nuk njihen si mjet ligjor i pages\u00ebs apo mjet i k\u00ebmbimit, prandaj k\u00ebto lloje t\u00eb parave virtuale nuk mund t\u00eb p\u00ebrdoren si mjet ligjor i pages\u00ebs.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Aktualisht, nuk ka asnj\u00eb autoritet apo institucion zyrtar vendor apo nd\u00ebrkomb\u00ebtar q\u00eb merr p\u00ebrsip\u00ebr p\u00ebrgjegj\u00ebsin\u00eb lidhur me humbjet tuaja t\u00eb mundshme nga investimi n\u00eb parat\u00eb virtuale. Gjithashtu, nuk ka asnj\u00eb pasuri themelore apo fizike p\u00ebr t\u00eb qen\u00eb baz\u00eb mb\u00ebshtet\u00ebse p\u00ebr vler\u00ebn e tyre. P\u00ebr arsye t\u00eb veprimtaris\u00eb anonime dhe jo transparenc\u00ebs, k\u00ebto lloje t\u00eb parave virtuale mund t\u00eb p\u00ebrdoren p\u00ebr veprimtari t\u00eb rrezikshme si\u00e7 jan\u00eb; pastrimi i parave dhe financimin i terrorizmit, si dhe p\u00ebr aktivitete tjera t\u00eb paligjshme.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Banka Qendrore e Kosov\u00ebs paralajm\u00ebron p\u00ebrdoruesit e platformave virtuale se k\u00ebto platforma nuk jan\u00eb t\u00eb rregulluara me ligj, si dhe nuk jan\u00eb t\u00eb mbik\u00ebqyrura nga autoritetet rregullative.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-0390ca6 elementor-widget elementor-widget-accordion\" data-id=\"0390ca6\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Ku mund t\u00eb njoftohem p\u00ebr kursin e valutave<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr  Informata m\u00eb t\u00eb detajuara lidhur me kursin valutor mund t\u2019i referoheni faqes zyrtare t\u00eb     Bank\u00ebs Qendrore Evropiane  p\u00ebrkat\u00ebsisht linkut n\u00eb vijim:\n\n(https:\/\/bqk-kos.org\/?id=89).<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Ku mund t\u2019i gjej\u00eb pasqyrat financiare t\u00eb kompanive t\u00eb sigurimeve dhe bankave komerciale<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Lidhur me pasqyrat financiare t\u00eb bankave ju lutem referojuni linkut n\u00eb vijim: https:\/\/bqk-kos.org\/?id=20, nd\u00ebrsa sa i p\u00ebrket pasqyrave financiare  t\u00eb kompanive t\u00eb sigurimeve ju lutem referojuni linkut: https:\/\/bqk-kos.org\/?id=21.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed1e37 elementor-widget elementor-widget-accordion\" data-id=\"6ed1e37\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2> Cili \u00ebsht\u00eb roli i BQK-s\u00eb n\u00eb sistemin e pagesave?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Roli Operacional - Ofron infrastruktur\u00ebn p\u00ebr kliringun dhe shlyerjen e pagesave nd\u00ebrbankare; administron dhe operon nj\u00eb sistem hibrid (SPN \u2013 Sistemi i Pagesave Nd\u00ebrbankare) p\u00ebr kliring dhe shlyerje t\u00eb pagesave me vlera t\u00eb m\u00ebdha dhe t\u00eb vogla.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Roli Mbik\u00ebqyr\u00ebs - P\u00ebrcakton rregullat dhe procedurat, vendos standardet p\u00ebr t\u00eb nxitur dhe mb\u00ebshtetur nj\u00eb sistem pagesash t\u00eb sigurt, efikas p\u00ebr procesimin e pagesave dhe vler\u00ebson sistemet kundrejt standardeve t\u00eb vendosura; dhe<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Roli i Katalizatorit - Nxit dhe promovon efikasitetin dhe sigurin\u00eb n\u00eb p\u00ebrdorimin e instrumenteve t\u00eb pagesave dhe t\u00eb sistemeve t\u00eb pagesave.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Ku mund t\u00eb gjej informata shtes\u00eb?  Informata rreth publikimeve statistikore, analizave dhe materialeve tjera informative nga Sistemi i Pagesave mund t\u2019i gjeni n\u00eb linkun: https:\/\/bqk-kos.org\/?id=125.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-03bd1ed elementor-widget elementor-widget-accordion\" data-id=\"03bd1ed\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si funksionon Sistemi i Pagesave Nd\u00ebrbankare ?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Aktualisht n\u00eb Kosov\u00eb operon nj\u00eb sistem i vet\u00ebm nd\u00ebrkomb\u00ebtar i pagesave  (SPN), i cili operohet dhe mbik\u00ebqyret nga BQK. Ky sistem mund\u00ebson kliringun dhe shlyerjen neto n\u00eb m\u00ebnyr\u00eb automatike sipas sesioneve, si dhe shlyerjen reale n\u00eb baza bruto, p\u00ebr t\u00eb gjitha transaksionet e pagesave nd\u00ebrbankare, letra me vler\u00eb, etj.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Sistemi i ri nd\u00ebrbankar i pagesave, i quajtur, ATS (Automatic Transfer System\/Sistemi i Transferit Automatik) \u00ebsht\u00eb n\u00eb p\u00ebrdorim q\u00eb nga 1 Korrik 2016 dhe p\u00ebrb\u00ebhet nga dy komponent\u00eb kryesor: komponenti i RTGS-s\u00eb (Real Time Gross Settlement\/shlyerjet bruto n\u00eb koh\u00eb reale) i cili mund\u00ebson transferimin e fondeve n\u00eb koh\u00eb reale, si dhe komponenti ACH (Automatic Clearing House\/sistem automatik i kliringut) q\u00eb b\u00ebn\u00eb procesimin e pagesave n\u00eb grup dhe me vler\u00eb t\u00eb vog\u00ebl, n\u00eb tri sesione t\u00eb kliringut nd\u00ebrbankar n\u00eb BQK.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>A operon ky sistem konform standardeve nd\u00ebrkomb\u00ebtare?  Ky sistem \u00ebsht\u00eb i projektuar sipas standardeve m\u00eb t\u00eb reja nd\u00ebrkomb\u00ebtare p\u00ebr fush\u00ebn e sistemeve t\u00eb pagesave (ISO 20022), sipas teknologjis\u00eb m\u00eb bashk\u00ebkohore si dhe praktikave m\u00eb t\u00eb mira q\u00eb e b\u00ebn\u00eb Kosov\u00ebn nj\u00ebrin nd\u00ebr vendet e para q\u00eb implementon k\u00ebt\u00eb standard.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"elementor-element elementor-element-91b2a3f elementor-widget elementor-widget-accordion\" data-id=\"91b2a3f\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\r\n\t\t\t\t<div class=\"elementor-widget-container\">\r\n\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2>Si mund t\u00eb k\u00ebmbehet nj\u00eb kart\u00ebmonedh\u00eb e d\u00ebmtuar?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>K\u00ebmbimi i kart\u00ebmonedhave dhe monedhave euro t\u00eb d\u00ebmtuara b\u00ebhet n\u00eb bankat komerciale. Pjesa e nj\u00eb kart\u00ebmonedhe euro t\u00eb v\u00ebrtet\u00eb duhet t\u00eb prezantohet tek banka komerciale me q\u00ebllim q\u00eb t\u00eb kualifikohet p\u00ebr k\u00ebmbim, ky \u00ebsht\u00eb kriter i k\u00ebrkesave minimale q\u00eb duhet t\u00eb plot\u00ebsohen. K\u00ebto k\u00ebrkesa kan\u00eb t\u00eb b\u00ebjn\u00eb kryesisht me sip\u00ebrfaqen e kart\u00ebmonedh\u00ebs s\u00eb d\u00ebmtuar. N\u00eb baz\u00eb t\u00eb k\u00ebrkes\u00ebs, institucionet financiare (bankat komerciale) do t\u00eb k\u00ebmbejn\u00eb kart\u00ebmonedhat e v\u00ebrteta euro t\u00eb d\u00ebmtuara n\u00eb rastet kur:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>a) paraqitet s\u00eb paku 60% e sip\u00ebrfaqes s\u00eb kart\u00ebmonedh\u00ebs;<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>b) paraqitet m\u00eb pak se 60% e m\u00eb shum\u00eb se 50% e sip\u00ebrfaqes s\u00eb kart\u00ebmonedh\u00ebs, n\u00ebse aplikuesi (klienti) provon p\u00ebrmes nj\u00eb raporti me shkrim se pjes\u00ebt q\u00eb mungojn\u00eb jan\u00eb shkat\u00ebrruar n\u00eb m\u00ebnyr\u00eb t\u00eb paq\u00ebllimshme.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr k\u00ebmbimin e kart\u00ebmonedhave euro t\u00eb d\u00ebmtuara institucioni financiar (banka komerciale) i ofron aplikuesit nj\u00eb formular standard p\u00ebr plot\u00ebsim. N\u00eb rastet kur institucionet financiare (bankat komerciale) kan\u00eb arsye t\u00eb mjaftueshme t\u00eb besojn\u00eb q\u00eb kart\u00ebmonedhat dhe monedhat euro jan\u00eb d\u00ebmtuar n\u00eb m\u00ebnyr\u00eb t\u00eb q\u00ebllimshme apo me to \u00ebsht\u00eb kryer nj\u00eb vep\u00ebr kriminale at\u00ebher\u00eb do t\u00eb refuzohet k\u00ebmbimi i tyre dhe t\u00eb b\u00ebhet lajm\u00ebrimi i autoriteteve policore. Vet\u00ebm n\u00eb rast se vendoset ndryshe nga ana e autoriteteve kompetente n\u00eb fund t\u00eb hetimit, kart\u00ebmonedhat\/monedhat euro do t\u00eb kualifikohen p\u00ebr k\u00ebmbim. Kart\u00ebmonedhat euro t\u00eb d\u00ebmtuara n\u00eb nj\u00eb shkall\u00eb t\u00eb vog\u00ebl si\u00e7 jan\u00eb grisjet, sh\u00ebnimet e numrave apo fjal\u00ebt t\u00eb shkurt\u00ebra dhe t\u00eb ngjashme n\u00eb parim nuk do t\u00eb konsiderohen si kart\u00ebmonedha euro q\u00ebllimisht t\u00eb d\u00ebmtuara.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>A k\u00ebmben Banka Qendrore kart\u00ebmonedha t\u00eb d\u00ebmtuara?<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>Jo nuk k\u00ebmben.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:info@bqk-kos.org\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pyetjet m\u00eb t\u00eb shpeshta Si mund ta kontaktoj Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs? Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs mund t\u00eb kontaktoni: P\u00ebrmes e- mailit: info@bqk-kos.org P\u00ebrmes Telefonit: 0383 38 222 055 P\u00ebrmes post\u00ebs zyrtare n\u00eb adres\u00ebn: Rr. Garibaldi nr. 33 Prishtin\u00eb, Kosov\u00eb. A mund t\u00eb hapi llogari apo t\u00eb marr\u00eb kredi n\u00eb BQK? [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1150","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pyetjet m\u00eb t\u00eb shpeshta - BQK Edu<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bqk.hpdevenv.com\/edu\/index.php\/pyetjet-me-te-shpeshta\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pyetjet m\u00eb t\u00eb shpeshta - BQK Edu\" \/>\n<meta property=\"og:description\" content=\"Pyetjet m\u00eb t\u00eb shpeshta Si mund ta kontaktoj Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs? Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs mund t\u00eb kontaktoni: P\u00ebrmes e- mailit: info@bqk-kos.org P\u00ebrmes Telefonit: 0383 38 222 055 P\u00ebrmes post\u00ebs zyrtare n\u00eb adres\u00ebn: Rr. Garibaldi nr. 33 Prishtin\u00eb, Kosov\u00eb. A mund t\u00eb hapi llogari apo t\u00eb marr\u00eb kredi n\u00eb BQK? 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