Agjencia e Shteteve t\u00eb Bashkuara p\u00ebr Zhvillim Nd\u00ebrkomb\u00ebtar (USAID) n\u00eb bashk\u00ebpunim me Creative Business Solutions (CBS), nj\u00eb firm\u00eb konsulence biznesi, ka filluar nj\u00eb zgjidhje rajonale FinTech t\u00eb quajtur LORES+. Kjo platform\u00eb e re do t’u mund\u00ebsoj\u00eb nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme (NVM) t\u00eb aplikojn\u00eb p\u00ebr kredi online dhe t\u00eb ken\u00eb akses n\u00eb informacione mbi mund\u00ebsit\u00eb financiare t\u00eb disponueshme p\u00ebr t\u00eb rritur bizneset e tyre, duke u kursyer atyre koh\u00eb dhe p\u00ebrpjekje.<\/p>\n
LORES+ \u00ebsht\u00eb mjeti dhe iniciativa m\u00eb e fundit e mb\u00ebshtetur nga USAID p\u00ebr t\u00eb nxitur NVM-t\u00eb n\u00eb Shqip\u00ebri dhe n\u00eb t\u00eb gjith\u00eb Ballkanin Per\u00ebndimor. Si nj\u00eb zgjidhje dixhitale, LORES+ bazohet n\u00eb suksesin e LORES 1.0, i cili gjithashtu u zhvillua me mb\u00ebshtetjen e USAID-it p\u00ebrmes projektit t\u00eb m\u00ebparsh\u00ebm SmartCapital. LORES+ pritet t\u00eb ket\u00eb nj\u00eb ndikim m\u00eb t\u00eb madh, ve\u00e7an\u00ebrisht p\u00ebr shkak t\u00eb potencialit t\u00eb tij p\u00ebr t’i sh\u00ebrbyer t\u00eb gjith\u00eb rajonit t\u00eb Ballkanit Per\u00ebndimor. Duke fuqizuar NVM-t\u00eb, LORES+ do t\u00eb mb\u00ebshtes\u00eb Shqip\u00ebrin\u00eb n\u00eb rrug\u00ebn e saj drejt integrimit n\u00eb Bashkimin Europian. Platforma do t\u00eb nxis\u00eb rritjen ekonomike dhe inovacionin, duke \u00e7uar n\u00eb nj\u00eb ekonomi m\u00eb konkurruese dhe t\u00eb pasur.<\/p>\n
Duke folur n\u00eb lancimin e LORES+, Z. Demian Smith, Z\u00ebvend\u00ebs Shefi i Misionit n\u00eb Ambasad\u00ebn e SHBA-s\u00eb n\u00eb Tiran\u00eb, tha: “Bizneset e vogla luajn\u00eb nj\u00eb rol kritik n\u00eb nxitjen e rritjes ekonomike n\u00eb Ballkanin Per\u00ebndimor. N\u00eb Shqip\u00ebri, k\u00ebto grupe p\u00ebrfaq\u00ebsojn\u00eb mbi 95% t\u00eb bizneseve dhe pun\u00ebsojn\u00eb mbi 80% t\u00eb fuqis\u00eb pun\u00ebtore. Megjithat\u00eb, ata marrin vet\u00ebm nj\u00eb t\u00eb kat\u00ebrt\u00ebn e financimit total nga institucionet financiare. P\u00ebr t\u00eb p\u00ebrmir\u00ebsuar qasjen e bizneseve t\u00eb vogla n\u00eb financa, Qeveria e SHBA-s\u00eb mb\u00ebshteti zhvillimin e platform\u00ebs LORES+ n\u00ebp\u00ebrmjet aktivitetit ton\u00eb rajonal\u00eb USAID CATALYZE Engines of Growth”.<\/p>\n
Gjat\u00eb aktivitetit t\u00eb lan\u00e7imit, Z. Enio Jaco, themelues i CBS dhe president i Dhom\u00ebs Amerikane t\u00eb Tregtis\u00eb n\u00eb Shqip\u00ebri, prezantoi platform\u00ebn e re dhe ve\u00e7orit\u00eb e saj, duke theksuar se nga LORES+ do t\u00eb p\u00ebfitojn\u00eb SME-t\u00eb dhe institucionet financiare.<\/p>\n
\u201cDo t’u mund\u00ebsoj\u00eb NVM-ve t\u00eb ken\u00eb qasje n\u00eb kapital n\u00eb nj\u00eb m\u00ebnyr\u00eb m\u00eb efikase, me procedura aplikimi q\u00eb zgjasin m\u00eb pak se 90 sekonda, mb\u00ebshtetje falas t\u00eb k\u00ebshilltar\u00ebve tan\u00eb personal\u00eb LORES dhe norma m\u00eb t\u00eb larta t\u00eb miratimit t\u00eb kredis\u00eb (90%). Nga LORES+ do t\u00eb p\u00ebrfitojn\u00eb gjithashtu bankat dhe institucionet e tjera financiare duke t\u00ebrhequr klient\u00eb t\u00eb rinj t\u00eb verifikuar me nj\u00eb norm\u00eb rreziku jasht\u00ebzakonisht t\u00eb ul\u00ebt (1% NPL). P\u00ebr m\u00eb tep\u00ebr, LORES+ do t\u00eb ofroj\u00eb p\u00ebrmbajtje arsimore falas p\u00ebr t\u00eb p\u00ebrmir\u00ebsuar njohurit\u00eb financiare t\u00eb NVM-ve dhe do t’i udh\u00ebzoj\u00eb ato n\u00eb zgjedhjen e produkteve financiare m\u00eb t\u00eb p\u00ebrshtatshme nga ato t\u00eb disponueshme n\u00eb tregjet lokale, me fokus n\u00eb produkte t\u00eb ve\u00e7anta ose t\u00eb reja si financimi me fatura, dhe biznese n\u00eb pron\u00ebsi t\u00eb grave ose t\u00eb menaxhuara nga grat\u00eb\u201d, tha Jaco.<\/p>\n
LORES+ \u00ebsht\u00eb nj\u00eb projekt rajonal q\u00eb tani po fillon n\u00eb Shqip\u00ebri dhe m\u00eb von\u00eb do t\u00eb zgjerohet n\u00eb Kosov\u00eb dhe Maqedonin\u00eb e Veriut. Synimi \u00ebsht\u00eb t\u00eb mund\u00ebsoj\u00eb aplikime p\u00ebr kredi q\u00eb do t\u00eb arrij n\u00eb nj\u00eb shum\u00eb minimale rreth 12 milion\u00eb dollar\u00ebsh, duke p\u00ebrfituar 285 NVM gjat\u00eb 2.5 viteve t\u00eb ardhshme.<\/p>\n
CBS \u00ebsht\u00eb nj\u00eb kompani konsulence biznesi dhe organizat\u00eb e zbatimit t\u00eb projekteve n\u00eb Shqip\u00ebri e themeluar n\u00eb vitin 2012. Misioni i CBS \u00ebsht\u00eb t\u00eb drejtoj\u00eb projekte t\u00eb rritjes s\u00eb q\u00ebndrueshme ekonomike n\u00ebp\u00ebrmjet praktikave novatore, t\u00eb p\u00ebrqendruara te klient\u00ebt dhe praktikave miq\u00ebsore me mjedisin. CBS konsulton dhe zbaton zgjidhje p\u00ebr sip\u00ebrmarr\u00ebsit lokal\u00eb, organizatat, donator\u00ebt dhe institucionet financiare, duke ofruar sh\u00ebrbime t\u00eb vlefshme dhe efektive q\u00eb gjenerojn\u00eb rritje ekonomike n\u00eb sektor\u00ebt ekonomik\u00eb n\u00eb zhvillim.<\/em><\/p>\n Aktiviteti i USAID CATALYZE Engines of Growth (EoG) (2020-2024) ndihmon rritjen dhe krijimin e vendeve t\u00eb pun\u00ebs t\u00eb nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme (NVM) n\u00eb Ballkanin Per\u00ebndimor duke p\u00ebrmir\u00ebsuar qasjen e tyre dhe p\u00ebrdorimin e financave t\u00eb p\u00ebrshtatshme. EoG ndihmon n\u00eb mobilizimin e kapitalit p\u00ebr t\u00eb mb\u00ebshtetur NVM-t\u00eb dhe vendet e pun\u00ebs t\u00eb q\u00ebndrueshme n\u00eb vazhd\u00ebn e COVID-19 n\u00eb nj\u00eb afat t\u00eb shkurt\u00ebr dhe promovon p\u00ebrmir\u00ebsimin e financimit t\u00eb rritjes s\u00eb NVM-ve n\u00eb afat t\u00eb gjat\u00eb, me fokus n\u00eb NVM-t\u00eb n\u00eb pron\u00ebsi t\u00eb grave dhe t\u00eb udh\u00ebhequra nga grat\u00eb.<\/em><\/p>","protected":false},"excerpt":{"rendered":"Agjencia e Shteteve t\u00eb Bashkuara p\u00ebr Zhvillim Nd\u00ebrkomb\u00ebtar (USAID) n\u00eb bashk\u00ebpunim me Creative Business Solutions","protected":false},"author":1,"featured_media":1599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-1593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publications","sector-publications"],"_links":{"self":[{"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/posts\/1593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/comments?post=1593"}],"version-history":[{"count":3,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/posts\/1593\/revisions"}],"predecessor-version":[{"id":1600,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/posts\/1593\/revisions\/1600"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/media\/1599"}],"wp:attachment":[{"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/media?parent=1593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/categories?post=1593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cbs.al\/al\/wp-json\/wp\/v2\/tags?post=1593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}