{"id":3707,"date":"2023-07-06T12:10:29","date_gmt":"2023-07-06T10:10:29","guid":{"rendered":"https:\/\/uba.com.al\/business\/rreth-uba\/"},"modified":"2025-07-17T11:34:31","modified_gmt":"2025-07-17T09:34:31","slug":"rreth-uba","status":"publish","type":"page","link":"https:\/\/uba.com.al\/business\/sq\/rreth-uba\/","title":{"rendered":"Rreth UBA"},"content":{"rendered":"

[vc_row el_class=”gradient-img” css=”.vc_custom_1649240210816{background-image: url(https:\/\/uba.com.al\/wp-content\/uploads\/2022\/04\/About-US-Baner-Kryesor-1.jpg?id=5177) !important;background-position: 0 0 !important;background-repeat: no-repeat !important;}”][vc_column width=”2\/3″ css=”.vc_custom_1644230127120{padding-top: 160px !important;padding-right: 70px !important;padding-bottom: 160px !important;}” el_class=”no-padding” el_id=”myrow” offset=”vc_col-xs-12″][vc_empty_space height=”200px”][\/vc_column][vc_column width=”1\/3″][\/vc_column][\/vc_row][vc_row equal_height=”yes” el_class=”buttons-container”][vc_column width=”1\/3″ css=”.vc_custom_1644242420280{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;}” el_class=”radius-left” offset=”vc_hidden-xs”][vc_btn title=”RRETH NESH” align=”center” css=”.vc_custom_1642751192856{border-right-width: 1px !important;border-right-color: #dde6e1 !important;border-right-style: solid !important;}” link=”url:%23section1|” el_class=”default-btn”][\/vc_column][vc_column width=”1\/3″ css=”.vc_custom_1644242429780{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;}” offset=”vc_hidden-xs”][vc_btn title=”QEVERISJA & UDH\u00cbHEQJA” align=”center” css=”.vc_custom_1642757577603{border-right-width: 1px !important;border-right-color: #dde6e1 !important;border-right-style: solid !important;}” link=”url:%23section3|” el_class=”default-btn”][\/vc_column][vc_column width=”1\/3″ css=”.vc_custom_1644242438305{padding-top: 20px !important;padding-right: 0px !important;padding-left: 0px !important;background-color: #ffffff !important;}” el_class=”radius-right” offset=”vc_hidden-xs”][vc_btn title=”NA KONTAKTONI” align=”center” css=”.vc_custom_1752744866594{border-right-width: 1px !important;border-right-style: solid !important;border-color: #fafafa !important;}” link=”url:https%3A%2F%2Fuba.com.al%2Fsq%2Fna-kontaktoni%2F” el_class=”default-btn”][\/vc_column][\/vc_row][vc_row css=”.vc_custom_1642751301817{padding-top: 100px !important;padding-bottom: 100px !important;}” el_id=”section1″][vc_column][vc_row_inner css=”.vc_custom_1642154349295{margin-bottom: 0px !important;}”][vc_column_inner][vc_column_text css=”.vc_custom_1645538750234{margin-bottom: 10px !important;padding-top: 0px !important;padding-right: 50px !important;}”]<\/p>\n

Kush jemi ne<\/span><\/p>\n

[\/vc_column_text][vc_column_text css=”.vc_custom_1703319331932{margin-bottom: 25px !important;}”]Banka e Bashkuar e Shqip\u00ebris\u00eb \u00ebsht\u00eb n\u00eb gjendje t\u00eb ofroj\u00eb p\u00ebrvoj\u00eb unike p\u00ebr klient\u00ebt, duke ndihmuar n\u00eb depozita dhe kursime p\u00ebr t\u00eb ardhmen e familjeve,\u00a0 n\u00eb blerjen e banesave si dhe n\u00eb zgjerimin e bizneseve.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row equal_height=”yes” css=”.vc_custom_1642754963856{background-color: #ffffff !important;}”][vc_column width=”1\/2″][vc_column_text css=”.vc_custom_1645091340289{margin-bottom: 10px !important;padding-top: 50px !important;padding-right: 50px !important;}”]<\/p>\n

Rreth nesh<\/span><\/p>\n

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Ne do t\u00eb donim t\u00eb njiheshim nga tregu p\u00ebr p\u00ebrvoj\u00ebn dixhitale, aft\u00ebsin\u00eb p\u00ebr t\u00eb akomoduar menj\u00ebher\u00eb nevojat e klient\u00ebve n\u00eb ndryshim, por n\u00eb radh\u00eb t\u00eb par\u00eb duam t\u00eb identifikohemi si ofrues i sh\u00ebrbimeve financiare n\u00eb p\u00ebrputhje me sistemin ton\u00eb t\u00eb besimit.<\/span><\/p>\n

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Aksioneri mazhoritar i Bank\u00ebs s\u00eb Bashkuar t\u00eb Shqip\u00ebris\u00eb \u00ebsht\u00eb Eurosig Sh.A. me 99.16% t\u00eb aksioneve.<\/p>\n

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Eurosig Sh.A.<\/a>\u00ebsht\u00eb nj\u00eb nd\u00ebr kompanit\u00eb m\u00eb prestigjioze n\u00eb tregun e sigurimeve q\u00eb mbulon Shqip\u00ebrin\u00eb me 25 deg\u00eb dhe mbi 230 agjenci. Veprimtaria e saj rregullohet nga Ligji p\u00ebr Sigurimin e Veprimtaris\u00eb, Risigurimin dhe Nd\u00ebrmjet\u00ebsimin n\u00eb Sigurime dhe Risigurime, i ndryshuar dhe akte t\u00eb tjera ligjore e normative dhe n\u00ebn mbik\u00ebqyrjen e Autoritetit t\u00eb Mbik\u00ebqyrjes Financiare (AMF).<\/span><\/p>\n

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Banka e Bashkuar e Shqip\u00ebris\u00eb \u00ebsht\u00eb regjistruar si person juridik me vendimin nr.4315, dat\u00eb 13.05.1993 t\u00eb Gjykat\u00ebs s\u00eb Rrethit Tiran\u00eb. Licencuar nga Banka e Shqip\u00ebris\u00eb me licenc\u00ebn nr. 03, dat\u00eb 11.01.1999 \u201cP\u00ebr t\u00eb operuar si bank\u00eb n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb\u201d.<\/span><\/p>\n

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Banka Islame<\/span><\/p>\n

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Banka islame ka instrumente financiare dhe politika investuese unike. Bankat islame nuk financojn\u00eb projekte q\u00eb mund t\u00eb d\u00ebmtojn\u00eb individ\u00ebt, shoq\u00ebrin\u00eb, mjedisin dhe mir\u00ebqenien e brezave t\u00eb ardhsh\u00ebm. Rrjedhimisht, banka islame \u00ebsht\u00eb shum\u00eb e lidhur me frym\u00ebn e Objektivave t\u00eb Zhvillimit t\u00eb Q\u00ebndruesh\u00ebm t\u00eb Kombeve t\u00eb Bashkuara, duke e b\u00ebr\u00eb at\u00eb t\u00ebrheq\u00ebse jo vet\u00ebm p\u00ebr musliman\u00ebt, por p\u00ebr t\u00eb gjith\u00eb ata q\u00eb kan\u00eb nj\u00eb qasje etike n\u00eb procesin e tyre t\u00eb vendimmarrjes p\u00ebr investime.<\/span><\/p>\n

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Ka prova t\u00eb forta q\u00eb kultura, fe dhe shkolla t\u00eb ndryshme mendimi kritikojn\u00eb fajden\u00eb dhe huadh\u00ebnien me interes. Arsyet p\u00ebr opinione t\u00eb tilla negative mund t\u00eb jen\u00eb t\u00eb natyr\u00ebs hyjnore, etike dhe ekonomike. N\u00eb Islam, \u00e7do lloj shfryt\u00ebzimi duke p\u00ebrfshir\u00eb huadh\u00ebnien me baz\u00eb interesi \u00ebsht\u00eb i d\u00ebnuar dhe duhet shmangur. Interesi mund t\u00eb p\u00ebrkufizohet si nj\u00eb tarif\u00eb e paracaktuar q\u00eb duhet t’i paguaj\u00eb huamarr\u00ebsi huadh\u00ebn\u00ebsit si kompensim p\u00ebr fondet e marra hua. Shuma e tarif\u00ebs lidhet drejtp\u00ebrdrejt me shum\u00ebn e fondeve t\u00eb huazuara dhe koh\u00ebzgjatjen e periudh\u00ebs s\u00eb shlyerjes. Pra, \u00e7do transaksion huadh\u00ebnieje q\u00eb fiton interes nga perspektiva islame \u00ebsht\u00eb problematik.<\/span><\/p>\n

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P\u00ebr shkak t\u00eb k\u00ebsaj ndjenje gjat\u00eb shekullit t\u00eb kaluar, studiuesit dhe praktikuesit e financave n\u00eb vendet kryesisht myslimane u p\u00ebrpoq\u00ebn t\u00eb hartonin modele bankare q\u00eb do t’u sh\u00ebrbenin nevojave financiare bashk\u00ebkohore t\u00eb individ\u00ebve dhe bizneseve duke ruajtur vlerat fetare. Ata duhej t\u00eb nd\u00ebrtonin nj\u00eb model ku kapitali do t\u00eb mobilizohej dhe shp\u00ebrndahej n\u00eb shoq\u00ebri duke fituar fitime, por jo nj\u00eb interes. Instrumentet financiare q\u00eb jan\u00eb p\u00ebrfshir\u00eb n\u00eb modelin bankar islam jan\u00eb nxjerr\u00eb nga praktikat profetike q\u00eb datojn\u00eb 14 shekuj m\u00eb par\u00eb<\/strong>. K\u00ebto instrumente financiare bazohen kryesisht n\u00eb parimet e partneritetit, por p\u00ebrfshijn\u00eb gjithashtu shitjet e shtyra, qiradh\u00ebnien, agjencin\u00eb dhe financimin e projekteve. <\/span><\/p>\n

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Edhe pse industria bankare islame \u00ebsht\u00eb relativisht e re, ka m\u00eb shum\u00eb se 1400 institucione financiare islame n\u00eb mbar\u00eb bot\u00ebn. Banka Islamike p\u00ebrfaq\u00ebson nj\u00eb nga deg\u00ebt bankare me rritjen m\u00eb t\u00eb shpejt\u00eb me nj\u00eb rritje mesatare vjetore prej 17.6%<\/strong>. Megjithat\u00eb, \u00ebsht\u00eb ende nj\u00eb fenomen margjinal pasi p\u00ebrb\u00ebn vet\u00ebm 0.7%<\/strong> t\u00eb totalit t\u00eb aseteve bot\u00ebrore me nj\u00eb vler\u00eb totale asetesh ekuivalente me 3 trilion dollar\u00eb<\/strong>.<\/span><\/p>\n

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P\u00ebr t\u00eb m\u00ebsuar m\u00eb shum\u00eb rreth Bankingut Islamik, Banka e Bashkuar e Shqip\u00ebris\u00eb ka sponsorizuar p\u00ebrkthimin e librit t\u00eb famsh\u00ebm t\u00eb titulluar “Hyrje n\u00eb Financat Islame” nga Muhamed T. Usmani, i cili mund t\u00eb shkarkohet m\u00eb posht\u00eb. <\/span><\/p>\n

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Lidershipi<\/span><\/p>\n

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Banka e Bashkuar e Shqip\u00ebris\u00eb (UBA Bank) menaxhohet nga K\u00ebshilli i saj Drejtues dhe Drejtoria e P\u00ebrgjithshme e vendosur n\u00eb Zyrat Qendrore n\u00eb Tiran\u00eb, Shqip\u00ebri<\/p>\n

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