Skema e pensioneve k\u00ebrkon sot mb\u00ebshtetje t\u00eb vazhdueshme nga buxheti i shtetit, q\u00eb p\u00ebrllogaritet n\u00eb rreth 27 miliard\u00eb lek\u00eb n\u00eb vit ose rreth 280 milion\u00eb dollar\u00eb.<\/p>\n
Para t\u00eb taksapaguesve q\u00eb shkojn\u00eb si mb\u00ebshtetje p\u00ebr t\u00eb financuar k\u00ebt\u00eb skem\u00eb, ku numri i
\nkontribuesve po p\u00ebson r\u00ebnie t\u00eb vazhdueshme, nd\u00ebrsa ai i p\u00ebrfituesve po rritet.<\/p>\n
Skema e pensioneve n\u00eb Shqip\u00ebri ka aktualisht vet\u00ebm kolon\u00ebn e par\u00eb, at\u00eb shtet\u00ebror dhe skemat private (kolona e tret\u00eb). Nd\u00ebrkoh\u00eb q\u00eb vendet e zhvilluara, p\u00ebrfshi k\u00ebtu nj\u00eb pjes\u00eb t\u00eb rajonit t\u00eb Ballkanit, e kan\u00eb zgjidhur problemin e pensioneve edhe me nj\u00eb kolon\u00eb t\u00eb dyt\u00eb, q\u00eb n\u00ebnkupton bashk\u00ebpunimin shtet-privat.<\/p>\n
Le t\u00eb sjellim shembullin e Maqedonis\u00eb s\u00eb Veriut:<\/p>\n
Kontributi p\u00ebr pension n\u00eb k\u00ebt\u00eb shtet \u00ebsht\u00eb 18% e pag\u00ebs, nga t\u00eb cil\u00ebt 13% derdhet n\u00eb Fondin e Sigurimeve Shoq\u00ebrore p\u00ebr skem\u00ebn shtet\u00ebrore dhe dhe 5 % derdhet n\u00eb fondet e detyrueshme private. Me plot\u00ebsimin e mosh\u00ebs, \u00e7do njeri do marr\u00eb dy pensione, nj\u00eb shtet\u00ebror dhe nj\u00eb privat t\u00eb formuar nga kontributet e derdhura dhe fitimi nga investimi i tyre.<\/p>\n
Elvis Ponari, kryetar i Shoqat\u00ebs s\u00eb Siguruesve t\u00eb Jet\u00ebs dhe Pensioneve Private dhe nj\u00ebherazi CEO i Fondit t\u00eb Pensioneve Vullnetare SIGAL shpjegon se kjo skem\u00eb ka shum\u00eb p\u00ebrfitime p\u00ebr Shqip\u00ebrin\u00eb dhe qytetar\u00ebt dhe duhet zbatuar.<\/p>\n
\u201cKjo skem\u00eb \u00ebsht\u00eb mb\u00ebshtetje e skem\u00ebs shtet\u00ebrore. Shteti kthen mbrapsht nj\u00eb pjes\u00eb t\u00eb taksave q\u00eb t\u2019i ke paguar n\u00eb nj\u00eb fond p\u00ebr ty, q\u00eb \u00ebsht\u00eb me emrin t\u00ebnd dhe q\u00eb rritet progresivisht dhe investohet nga kompanit\u00eb private. 3% ose 5% varet nga politika e shtetit sesa do t\u00eb jet\u00eb pjesa. T\u2019i nuk e prek dot sot, por kjo \u00ebsht\u00eb p\u00ebr t\u00eb ardhmen t\u00ebnde. Pra, qytetari nuk paguan m\u00eb shum\u00eb nga sa paguan aktualisht tek Instituti i Sigurimeve Shoq\u00ebrore.<\/p>\n
Kjo skem\u00eb ka p\u00ebrfitime p\u00ebr nj\u00eb shtet, pasi k\u00ebto para q\u00eb shkojn\u00eb tek privati, i p\u00ebrdor shteti apo privati p\u00ebr investime apo n\u00eb tregun e kapitaleve. Kjo skem\u00eb \u00ebsht\u00eb v\u00ebrtetuar gjithashtu ul informalitetin, pasi n\u00ebse ti e ke pag\u00ebn minimale ose je \u201cn\u00eb t\u00eb zez\u00eb\u201d nuk e p\u00ebrfiton p\u00ebrqindjen n\u00eb privat ose e p\u00ebrfiton shum\u00eb pak. Po e deklarove pag\u00ebn e plot\u00eb, p\u00ebrfiton n\u00eb mas\u00eb m\u00eb t\u00eb madhe.<\/p>\n
Plus kjo \u00ebsht\u00eb skem\u00eb shoq\u00ebrore, ku ti e sheh q\u00eb parat\u00eb e tua kan\u00eb shkuar n\u00eb nj\u00eb burim dhe ti e sheh sesa merr n\u00eb muaj, sa merr n\u00eb vit dhe sa do t\u00eb marr\u00ebsh n\u00eb fund dhe nuk ke nevoj\u00eb q\u00eb t\u00eb pres\u00ebsh indeksimin, si\u00e7 ndodh n\u00eb rastin e ISSH.<\/p>\n
E ardhmja jan\u00eb padyshim skemat private t\u00eb pensioneve. Kjo \u00ebsht\u00eb nj\u00eb skem\u00eb q\u00eb do konsult\u00eb publike, konsult\u00eb politike dhe \u00ebsht\u00eb akoma shum\u00eb her\u00ebt p\u00ebr t\u2019i v\u00ebn\u00eb pik\u00ebn\u201d, shpjegon Ponari.<\/p>\n
Vendosja e nj\u00eb kolone t\u00eb dyt\u00eb p\u00ebr pensionet n\u00ebp\u00ebrmjet bashk\u00ebpunimit shtet privat mb\u00ebshtetet nga eksperti i ekonomis\u00eb, Flobenc Dilaveri.
\nSipas tij, kjo do t\u00eb nxiste qytetar\u00ebt t\u00eb paguanin dhe kur t\u00eb arrinin pensionin, t\u00eb kishin t\u00eb ardhura m\u00eb t\u00eb larta.<\/p>\n
\u201cRealisht mua m\u00eb duket shum\u00eb atraktive dhe do t\u00eb jepte shum\u00eb rezultat kjo skem\u00eb, e kombinuar n\u00eb t\u00eb dyja format, shtet dhe n\u00eb privat. Do t\u00eb rriste shum\u00eb cil\u00ebsin\u00eb e jet\u00ebs dhe do ta b\u00ebnte shum\u00eb t\u00eb interesuar edhe individin p\u00ebr t\u00eb gjetur burime dhe rrug\u00eb alternative p\u00ebr t\u00eb rritur t\u00eb ardhurat e tij n\u00eb pension\u201d, shprehet ai.<\/p>\n
\u201cKolona e Dyt\u00eb\u201d ose pension nga pun\u00ebsimi, nuk ndryshon asgj\u00eb. Qytetar\u00ebt do vazhdojn\u00eb t\u00eb
\npaguajn\u00eb nj\u00eblloj si\u00e7 b\u00ebjn\u00eb edhe tani. Vet\u00ebm se n\u00eb k\u00ebt\u00eb rast 3% q\u00eb i hiqet skem\u00ebs shtet\u00ebrore (21,4%) paguhet n\u00eb 4 Fondet e Pensionit Privat q\u00eb operojn\u00eb n\u00eb Shqip\u00ebri.<\/p>\n
\u201cKolona e Dyt\u00eb\u201d ka efekt social pasi qytetar\u00ebt do t\u00eb ken\u00eb dy pensione ose rroga n\u00eb mosh\u00ebn e l\u00ebnies s\u00eb pun\u00ebs. Nj\u00eb nga skema shtet\u00ebrore dhe nj\u00eb nga ajo private. Pra, kjo p\u00ebrkthehet n\u00eb nivele m\u00eb t\u00eb larta pensioni p\u00ebr \u00e7do qytetar.<\/p>\n
\u201cKolona e Dyt\u00eb\u201d ndihmon edhe luft\u00ebn kund\u00ebr evazionit pasi \u00e7dokush do t\u00eb deklaroj\u00eb pag\u00ebn e plot\u00eb pasi do t\u00eb k\u00ebrkoj\u00eb t\u00eb marr\u00eb t\u00eb plot\u00eb edhe 3%-in e skem\u00ebs private. Shum\u00eb qytetar\u00eb do t\u00eb duan t\u00eb futen n\u00eb skem\u00eb dhe kjo do t\u00eb ul\u00eb automatikisht edhe \u201cpun\u00ebsimin n\u00eb t\u00eb zez\u00eb\u201d, si\u00e7 e quajm\u00eb r\u00ebndom. Pra, ndihmon vendin ekonomisht dhe shtetin p\u00ebr t\u00eb ulur informalitetin.<\/p>\n
\u201cKolona e Dyt\u00eb\u201d ka efekt pozitiv p\u00ebr t\u00eb gjith\u00eb shoq\u00ebrin\u00eb pasi parat\u00eb tani jan\u00eb investuar n\u00eb
\nobligacione shtet\u00ebrore dhe n\u00ebse shteti shpenzon fitojm\u00eb t\u00eb gjith\u00eb. Rritet besimi te shteti\u2026<\/p>\n
N\u00eb vitin 2008, Banka Bot\u00ebrore, kur jepte konsulenc\u00eb qeveris\u00eb shqiptare mbi reform\u00ebn n\u00eb
\npensione, hodhi iden\u00eb e zbatimit t\u00eb kolon\u00ebs s\u00eb dyt\u00eb n\u00eb skem\u00ebn e pensioneve, propozim q\u00eb nuk u pranua n\u00eb at\u00eb periudh\u00eb por q\u00eb \u00ebsht\u00eb rikthyer p\u00ebr diskutim n\u00eb panele publike jav\u00ebt e fundit.<\/p>","protected":false},"excerpt":{"rendered":"
Skema e pensioneve k\u00ebrkon sot mb\u00ebshtetje t\u00eb vazhdueshme nga buxheti i shtetit, q\u00eb p\u00ebrllogaritet n\u00eb rreth 27 miliard\u00eb lek\u00eb n\u00eb vit ose rreth 280 milion\u00eb dollar\u00eb. Para t\u00eb taksapaguesve q\u00eb shkojn\u00eb si mb\u00ebshtetje p\u00ebr t\u00eb financuar k\u00ebt\u00eb skem\u00eb, ku numri i kontribuesve po p\u00ebson r\u00ebnie t\u00eb vazhdueshme, nd\u00ebrsa ai i p\u00ebrfituesve po rritet. Skema e […]<\/p>\n","protected":false},"author":2030,"featured_media":297335,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,3366,5380,2631],"tags":[],"class_list":{"0":"post-297334","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-koment","9":"category-kryesore","10":"category-sigal"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/297334","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/users\/2030"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=297334"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/297334\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/297335"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=297334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=297334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=297334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}