{"id":11,"date":"2025-09-09T09:48:09","date_gmt":"2025-09-09T09:48:09","guid":{"rendered":"https:\/\/elvinmeka.al\/?p=11"},"modified":"2025-09-09T09:48:09","modified_gmt":"2025-09-09T09:48:09","slug":"elvin-meka-edukimi-financiar-cte-mbjellesh-do-te-korresh","status":"publish","type":"post","link":"https:\/\/elvinmeka.al\/?p=11","title":{"rendered":"Elvin Meka: \u201cEdukimi Financiar \u2013 \u00e7\u2019t\u00eb mbjell\u00ebsh do t\u00eb korr\u00ebsh!\u201d"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"579\" src=\"https:\/\/elvinmeka.al\/wp-content\/uploads\/2025\/09\/18198430_10212902816671663_5636286522894684783_n.webp\" alt=\"\" class=\"wp-image-12\" srcset=\"https:\/\/elvinmeka.al\/wp-content\/uploads\/2025\/09\/18198430_10212902816671663_5636286522894684783_n.webp 450w, https:\/\/elvinmeka.al\/wp-content\/uploads\/2025\/09\/18198430_10212902816671663_5636286522894684783_n-233x300.webp 233w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dit\u00ebt e sotme shihet nj\u00eb v\u00ebmendje e shtuar dhe diskutim energjik, n\u00eb rrafsh global, lidhur me edukimin financiar, ndikimin e tij t\u00eb thell\u00eb n\u00eb mir\u00ebqenien e njer\u00ebzve dhe rrug\u00ebve q\u00eb duhen ndjekur, apo mekanizmave q\u00eb duhen p\u00ebrdorur, p\u00ebr t\u00eb siguruar nj\u00eb nivel t\u00eb k\u00ebnaqsh\u00ebm t\u00eb k\u00ebsaj dijeje. Kjo v\u00ebmendje u b\u00eb m\u00eb e theksuar pas kriz\u00ebs s\u00eb viteve 2007 \u2013 2008,&nbsp;ku bota dhe ne shqiptar\u00ebt m\u00ebsuam edhe m\u00eb shum\u00eb mbi nj\u00eb fakt t\u00eb thjesht\u00eb: nuk mund t\u00eb jetojm\u00eb p\u00ebr nj\u00eb koh\u00eb t\u00eb gjat\u00eb p\u00ebrtej mund\u00ebsive dhe burimeve tona financiare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pse ka kaq vler\u00eb edukimi financiar dhe pse kjo dije mbi paran\u00eb dhe financat nuk duhet t\u00eb mbetet pron\u00eb e nj\u00eb pjese t\u00eb qytetar\u00ebve dhe publikut? Para se t\u00eb formulohet nj\u00eb p\u00ebrgjigje vlen t\u00eb theksohet se, n\u00eb nj\u00eb analiz\u00eb vrojtuese t\u00eb&nbsp;<strong>Sallie Mae<\/strong>&nbsp;n\u00eb SHBA, n\u00eb Janar 2016, me student\u00ebt e kolegjeve t\u00eb ndryshme t\u00eb biznesit, u arrit n\u00eb p\u00ebrfundimin q\u00eb ata n\u00eb nj\u00eb pjes\u00eb t\u00eb madhe nuk kishin nj\u00eb kuptim t\u00eb plot\u00eb dhe t\u00eb qart\u00eb mbi mekanizmin e funksionimit t\u00eb produkteve financiare. Konkretisht, vet\u00ebm 31% e tyre iu p\u00ebrgjigj\u00ebn korrekt tre pyetjeve t\u00eb b\u00ebra nga&nbsp;<strong>Sallie Mae<\/strong>, lidhur me huat, pages\u00ebn e interesave dhe vler\u00ebn n\u00eb koh\u00eb t\u00eb paras\u00eb. Gjithashtu, sipas nj\u00eb studimi t\u00eb<strong>&nbsp;Standard &amp; Poor\u2019s Ratings Group<\/strong>, SHBA n\u00eb vitin 2015 klasifikohej e 14-ta n\u00eb bot\u00eb, me nj\u00eb norm\u00eb dijesh financiare prej 57%. Nga k\u00ebto t\u00eb dh\u00ebna mund t\u00eb pohohet thjesht q\u00eb edukimi dhe dija financiare nuk mund t\u00eb jet\u00eb nj\u00eb e mir\u00eb private, apo e nj\u00eb grupi t\u00eb caktuar, por duhet t\u00eb jet\u00eb nj\u00eb e mir\u00eb p\u00ebr t\u00eb gjith\u00eb, pra nj\u00eb e mir\u00eb publike. Vet\u00ebm duke u trajtuar si e till\u00eb ajo do ket\u00eb mund\u00ebsi t\u00eb jet\u00eb e arritshme nga shumica apo pjesa d\u00ebrrmuese e popullat\u00ebs dhe m\u00eb e r\u00ebnd\u00ebsishmja, do t\u00eb jet\u00eb nj\u00eb kontribuese e drejtp\u00ebrdrejt\u00eb dhe afatgjat\u00eb n\u00eb mir\u00ebqenien e njer\u00ebzve.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nj\u00eb qytetar i mir\u00eb-edukuar nga pik\u00ebpamja financiare rrit shanset p\u00ebr t\u00eb pasur nes\u00ebr dhe gjith\u00eb koh\u00ebs n\u00ebp\u00ebr sportelet e bankave m\u00eb pak klient\u00eb t\u00eb k\u00ebqij dhe leht\u00ebsi m\u00eb t\u00eb madhe p\u00ebr t\u00eb kuptuar dhe ofruar sh\u00ebrbimet e produktet e tyre. P\u00ebrpos k\u00ebtyre p\u00ebrfitimeve, shoq\u00ebria do t\u00eb p\u00ebrjetoj\u00eb m\u00eb pak probleme sociale, pasi qytetar\u00ebt e saj do t\u00eb jen\u00eb n\u00eb gjendje t\u00eb marrin vendime m\u00eb t\u00eb p\u00ebrgjegjshme dhe m\u00eb t\u00eb menduara financiarisht. Gjithsesi, k\u00ebto p\u00ebrfitime q\u00eb sjell edukimi financiar dhe sukseset e rezultateve t\u00eb tij, p\u00ebr fat t\u00eb keq nuk jan\u00eb t\u00eb garantuar, por k\u00ebrkojn\u00eb shum\u00eb koh\u00eb, investime dhe mjaft p\u00ebrkushtim, jo vet\u00ebm nga bankat. Th\u00ebn\u00eb ndryshe, edukimi financiar nuk mund t\u00eb jet\u00eb thjesht nj\u00eb \u00e7\u00ebshtje e bankave, e n\u00eb kushte t\u00eb tilla bankat nuk mund t\u00eb jen\u00eb as aktor\u00ebt dhe as p\u00ebrfituesit e vet\u00ebm t\u00eb tij. Duhet t\u00eb jet\u00eb e qart\u00eb se, jo \u00e7do gj\u00eb arrihet me para\u2019 apo b\u00ebhet p\u00ebr para\u2019, e p\u00ebr m\u00eb tep\u00ebr, t\u00eb gjith\u00eb grupet e interesit duhet t\u00eb jen\u00eb t\u00eb gatsh\u00ebm t\u00eb marrin p\u00ebrsip\u00ebr kostot respektive, q\u00eb jo gjithnj\u00eb jan\u00eb t\u00eb nj\u00eb natyre monetare. N\u00eb finale, t\u00eb gjith\u00eb jemi t\u00eb interesuar p\u00ebr t\u00eb vjel\u00eb gjith\u00eb koh\u00ebs sa m\u00eb shum\u00eb rezultate pozitive nga edukimi financiar, por p\u00ebr t\u00eb arritur k\u00ebto duhet rikujtuar \u00e7do dit\u00eb dhe n\u00eb \u00e7do hap aksioma: \u201c\u00c7\u2019T\u00cb MBJELL\u00cbSH DO T\u00cb KORR\u00cbSH!\u201d. Kjo, pasi si\u00e7 thekson dhe&nbsp;<strong>Prof. Annamaria Lusardi<\/strong>&nbsp;e George Washington University: \u201cT\u00eb kesh njohuri rreth menaxhimit t\u00eb parave, buxhetimit dhe financave nuk p\u00ebrb\u00ebn garanci p\u00ebr sukses n\u00eb jet\u00eb, por injoranca n\u00eb lidhje me koncepte t\u00eb tilla shpesh ka nj\u00eb kosto t\u00eb madhe!\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dit\u00ebt e sotme shihet nj\u00eb v\u00ebmendje e shtuar dhe diskutim energjik, n\u00eb rrafsh global, lidhur me edukimin financiar, ndikimin e tij t\u00eb thell\u00eb n\u00eb mir\u00ebqenien e njer\u00ebzve dhe rrug\u00ebve q\u00eb duhen ndjekur, apo mekanizmave q\u00eb duhen p\u00ebrdorur, p\u00ebr t\u00eb siguruar nj\u00eb nivel t\u00eb k\u00ebnaqsh\u00ebm t\u00eb k\u00ebsaj dijeje. Kjo v\u00ebmendje u b\u00eb m\u00eb e theksuar pas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11"}],"version-history":[{"count":1,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/posts\/11\/revisions"}],"predecessor-version":[{"id":13,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/posts\/11\/revisions\/13"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/elvinmeka.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elvinmeka.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}