{"id":73223,"date":"2021-11-25T02:38:38","date_gmt":"2021-11-25T00:38:38","guid":{"rendered":"https:\/\/fjala.info\/?p=73223"},"modified":"2021-11-25T02:38:38","modified_gmt":"2021-11-25T00:38:38","slug":"kriza-me-skemen-e-pensioneve-ne-shqiperi-zgjidhja-qe-na-nevojitet","status":"publish","type":"post","link":"https:\/\/jehonashqiptare.al\/fjala\/kriza-me-skemen-e-pensioneve-ne-shqiperi-zgjidhja-qe-na-nevojitet\/","title":{"rendered":"Kriza me skem\u00ebn e pensioneve n\u00eb Shqip\u00ebri, zgjidhja q\u00eb na nevojitet"},"content":{"rendered":"

N\u00eb saj\u00eb t\u00eb pun\u00ebston\u00ebapo njohjeve familjare dhe shoq\u00ebrore na duhet t\u00eb takojm\u00eb shum\u00eb njer\u00ebz t\u00eb profileve t\u00eb ndryshme \u00e7do dit\u00eb. T\u00eb njohur e t\u00eb panjohur, biznesmen\u00eb, politikan\u00eb, gazetar\u00eb, artist\u00eb etj por t\u00eb gjith\u00eb shqet\u00ebsohen p\u00ebr pasigurit\u00eb q\u00eb ofron e ardhmja. Nj\u00ebri prej tyre, nj\u00eb dit\u00eb m\u00eb tregonte: \u201cPak vite m\u00eb kan\u00eb mbetur p\u00ebr t\u00eb punuar dhe dal\u00eb n\u00eb pension s\u00eb bashku me gruan. Shkova dhe u interesova te zyra e Institutit t\u00eb Sigurimeve Shoq\u00ebrore (ISSH) p\u00ebr pensionin, pasi sa m\u00eb shum\u00eb m\u00eb afron koha e daljes n\u00eb pension, aq m\u00eb shum\u00eb m\u00eb kap paniku.<\/p>\n

\u201cE di \u00e7\u2019m\u00eb than\u00eb tekISSH-ja? Pensioni im, p\u00ebr nj\u00eb koh\u00eb pune prej mbi 40 vitesh, do t\u00eb jet\u00eb rreth 18 mij\u00eb lek\u00eb, nd\u00ebrsa i gruas rreth 16 mij\u00eb lek\u00eb. T\u00eb them t\u00eb drejt\u00ebn u m\u00ebrzita sa dhe gjith\u00eb k\u00ebto dit\u00eb kemi qen\u00eb t\u00eb shqet\u00ebsuar. T\u00eb gjith\u00eb e dim\u00eb q\u00eb pensionet te ne jan\u00eb t\u00eb ul\u00ebta, por nuk e mendoja kurr\u00eb q\u00eb me gjith\u00eb ato vite q\u00eb kam paguar kontribute t\u00eb m\u00eb dilte nj\u00eb pension qesharak.<\/p>\n

Kam punuar 20 vjet n\u00eb pun\u00eb shteti dhe 20 vjet n\u00eb biznesin tim privat dhe i kam paguar t\u00eb gjitha detyrimet. Mendoja se do t\u00eb merrja diku te 50 apo 60 mij\u00eb lek\u00eb n\u00eb muaj, sepse edhe pagesat mujore kan\u00eb q\u00ebn\u00eb t\u00eb tilla. Po tani s\u2019di \u00e7\u2019t\u00eb b\u00ebj?! Sado q\u00eb kam punuar gjith\u00eb jet\u00ebn e kam v\u00ebn\u00eb \u201cdy lek\u00eb\u201d m\u00ebnjan\u00eb, nuk mundet t\u00eb mbahem me ato kursime dhe t\u2019u b\u00ebhem barr\u00eb f\u00ebmij\u00ebve t\u00eb mi\u201d.<\/p>\n

Njohim shum\u00eb njer\u00ebz q\u00eb kan\u00eb paguar me miliona lek\u00eb sigurime shoq\u00ebrore, 24.5% t\u00eb pag\u00ebs dhe 3.4% sigurime sh\u00ebndet\u00ebsore dhe kur vjen mosha e pensionit, sa marrin? Maksimumi 40 mij\u00eb lek\u00eb.Ndaj ka kaq shum\u00eb konflikte sot n\u00eb familje, sepse t\u00eb moshuarit shpeshher\u00eb b\u00ebhen barr\u00eb financiare p\u00ebr t\u00eb rinjt\u00eb. Dhe jo se f\u00ebmij\u00ebt nuk i duan prind\u00ebrit e tyre, apo nip\u00ebrit e mbesat nuk i duan gjysh\u00ebrit, por sepse shum\u00eb prej tyre nuk kan\u00eb t\u00eb ardhura t\u00eb mjaftueshme p\u00ebr t\u00eb p\u00ebrballuar kostot e jetes\u00ebs.<\/p>\n

Dhe, p\u00ebrve\u00e7 f\u00ebmij\u00ebve, t\u00eb kesh dy t\u00eb moshuar n\u00eb sht\u00ebpi q\u00eb kan\u00eb nevoj\u00eb p\u00ebr shum\u00eb sh\u00ebrbime, t\u00eb cilat kushtojn\u00eb, b\u00ebhen shkak p\u00ebr situata jo t\u00eb k\u00ebndshme familjare dhe krijojn\u00eb kriza t\u00eb m\u00ebdha sociale. Situata \u00ebsht\u00eb e till\u00eb pasi sigurimet shoq\u00ebrore jan\u00eb skem\u00eb sociale, shteti jon\u00eb vend social, dmth do kujdeset me pagesat\/taksat e mia\/pensionin tim dhe njer\u00ebz q\u00eb kurr\u00eb nuk kan\u00eb kontribuar n\u00eb skem\u00ebn e pensionit shtet\u00ebror, pra edhe pse ke 40 vjet q\u00eb paguan sigurime shoq\u00ebrore, ti nuk i ke paguar p\u00ebr veten, por p\u00ebrshoq\u00ebrin\u00eb. Tre kolonat e pensionit (Shtet\u00ebror, i vendit t\u00eb pun\u00ebs, Privat).<\/p>\n

N\u00eb Shqip\u00ebri, 1.2 persona punojn\u00eb dhe 1 merr pension nd\u00ebrsa n\u00eb bot\u00eb ky raport \u00ebsht\u00eb 4-5 me 1. Aktualisht rezultojn\u00eb rreth 800 mij\u00eb kontribues t\u00eb rregullt t\u00eb sigurimeve shoq\u00ebrore dhe nga k\u00ebto, rreth 600 mij\u00eb persona q\u00eb p\u00ebrfitojn\u00eb nga k\u00ebto sigurime.<\/p>\n

Por sa p\u00ebrfitojn\u00eb realisht k\u00ebta persona?<\/strong>
\nPaga mesatare n\u00eb vitin 2020 ishte 54,951lek\u00eb, nd\u00ebrsa pensioni mesatar n\u00eb qytet ishte 15,732 lek\u00eb. Pensioni mesatar \u00ebsht\u00eb aktualisht 57% e gjysm\u00ebs s\u00eb pag\u00ebs mesatare, duke e klasifikuar pjes\u00ebn d\u00ebrrmuese t\u00eb pensionist\u00ebve n\u00eb norm\u00ebn e varf\u00ebris\u00eb.<\/p>\n

E ARDHMJA<\/strong><\/p>\n

E ardhmja nuk duket optimiste. Kriza meskem\u00ebn e pensioneve n\u00eb Shqip\u00ebri \u00ebsht\u00eb edhe m\u00eb serioze nga ajo \u00e7far\u00eb duket. Teksa \u00e7do vit subvencioni nga shteti rritet, raporti midis kontribuuesve dhe p\u00ebrfituesve po ulet me nj\u00eb rit\u00ebm shum\u00eb t\u00eb shpejt\u00eb. N\u00eb janar t\u00eb k\u00ebtij viti, INSTAT raportoi se numri i personave mbi 60 vje\u00e7 arriti n\u00eb 619 mij\u00eb. Brenda nj\u00eb viti, numri i tyre u rrit me 14,600 persona. N\u00eb krahasim me vitin 2016, numri i tyre \u00ebsht\u00eb rritur me 95 mij\u00eb, ose 18%. Deri m\u00eb 2051, grupmosha mbi 60 vje\u00e7 do t\u00eb p\u00ebrb\u00ebj\u00eb rreth 35% t\u00eb popullsis\u00eb.<\/p>\n

Sipas Dokumentit t\u00eb Politikave t\u00eb Pensioneve, t\u00eb hartuar nga qeveria, n\u00eb vitin 2030 do t\u00eb ket\u00eb po aq individ\u00eb q\u00eb paguajn\u00eb kontribute, sa edhe pensionist\u00eb. Por problemi real \u00ebsht\u00eb se \u00e7far\u00eb ndodh m\u00eb pas.\u00a0Madje, sipas Guvernatorit t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb Gent Sejko, skema e pensioneve po rrezikon Buxhetin e Shtetit.<\/p>\n

P\u00ebrfundim t\u00eb ngjash\u00ebm ka ndar\u00eb m\u00eb her\u00ebt edhe Kontrolli i Lart\u00eb i Shtetit n\u00eb raportin e auditit t\u00eb zhvilluar n\u00eb Institutin e Sigurimeve Shoq\u00ebrore nga ku rezultoi se numri mesatar i kontribuuesve p\u00ebr sigurimet shoq\u00ebrore rezultoi n\u00eb 642.400 n\u00eb vitin 2020, duke u ulur me mbi 17.700 n\u00eb raport me 2019-\u00ebn.<\/p>\n

ZGJIDHJA<\/strong><\/p>\n

N\u00ebse shohim skemat e pensioneve q\u00eb p\u00ebrdorin shtetet Per\u00ebndimore do t\u00eb thot\u00eb se ka ende shpres\u00eb.\u00a0P\u00ebrve\u00e7 Shqip\u00ebris\u00eb dhe Serbis\u00eb, t\u00eb gjitha vendet e tjera, p\u00ebrfshir\u00eb edhe ato fqinje, kan\u00eb nd\u00ebrtuar kolon\u00ebn e dyt\u00eb dhe t\u00eb tret\u00eb t\u00eb pensioneve duke kaluar automatikisht n\u00eb mbrojtjen dhe garantimin e pensioneve p\u00ebr qytetar\u00ebt e tyre. Ose th\u00ebn\u00eb m\u00eb qart\u00eb, paguaj p\u00ebr t\u00eb gjith\u00eb skemat kolona par\u00eb(sigurimet shoq\u00ebrore), paguaj p\u00ebr vete kolona e dyt\u00eb dhe e tret\u00eb.<\/p>\n

Si funksionon skema private e pensioneve n\u00eb krahasim me at\u00eb shtet\u00ebrore dhe \u00e7far\u00eb p\u00ebrfitimesh ka?<\/strong><\/p>\n

Nj\u00eb qytetar n\u00eb Shqip\u00ebri paguan p\u00ebr sigurimet shoq\u00ebrore 24.5% t\u00eb pag\u00ebs plus 3.4% sigurime sh\u00ebndet\u00ebsore, nga ku ku 16.7% i paguan pun\u00ebdh\u00ebn\u00ebsi dhe 11.2% pun\u00ebmarr\u00ebsi dhe t\u00eb dyja shkojn\u00eb n\u00eb nj\u00eb llogari, ku t\u00eb dyja jan\u00eb shpenzime t\u00eb kompanis\u00eb.<\/p>\n

Nj\u00eb qytetar paguan vet\u00ebm p\u00ebr pensionin shtet\u00ebror 21.6% t\u00eb pag\u00ebs, mesatarisht 35 vite t\u00eb jet\u00ebs s\u00eb tij. P\u00ebr ata q\u00eb kan\u00eb pag\u00eb minimale (24 mij\u00eb lek\u00eb) p\u00ebr 35 vjet derdhin rreth 2.2 milion\u00eb lek\u00eb q\u00eb ja paguajn\u00eb shtetit. Nd\u00ebrsa ai q\u00eb ka pag\u00ebn maksimale (105 mij\u00eb lek\u00eb) p\u00ebr 35 vite i paguan shtetit m\u00eb shum\u00eb se 9.5 milion\u00eb lek\u00eb.<\/p>\n

Kur vjen puna tek p\u00ebrfitimi, mesatarisht nj\u00eb qytetar shqiptar arrin ta p\u00ebrfitoj\u00eb pensionin e shtetit p\u00ebr 15 vjet. P\u00ebr ata q\u00eb kan\u00eb derdhur kontribute mbi baz\u00ebn e pag\u00ebs minimale, do t\u00eb dalin me nj\u00eb pension mujor 14.500 lek\u00eb, nd\u00ebrsa ai q\u00eb ka derdhur kontribute mbi baz\u00ebn e pag\u00ebs maksimale do t\u00eb ket\u00eb nj\u00eb pension shtet\u00ebror mujor prej 35 mij\u00eb lek\u00ebsh. K\u00ebtu po flasim p\u00ebr pensionet e qytetit, sepse pensionet rurale jan\u00eb histori m\u00eb vete, jan\u00eb shum\u00eb her\u00eb m\u00eb pak se ato t\u00eb urbane.<\/p>\n

Po ti referohemi t\u00eb nj\u00ebjt\u00ebs pasqyr\u00eb t\u00eb derdhjes s\u00eb kontributeve mbi pag\u00ebn minimale dhe maksimale, por tani jo m\u00eb n\u00eb shtet por n\u00eb Fondin e Pensionit Privat, \u00e7far\u00eb ndodh? Nj\u00eb qytetar q\u00eb derdh 21.6% t\u00eb pag\u00ebs minimale si kontribute n\u00eb privat p\u00ebr 35 vjet del me nj\u00eb pension privat mujor 46.700 lek\u00eb t\u00eb reja p\u00ebr 15 vite. Nga ana tjet\u00ebr ai q\u00eb derdh 21.6% t\u00eb pag\u00ebs maksimale si kontribute n\u00eb privat, del me nj\u00eb pension mujor privat prej 204.600 lek\u00eb p\u00ebr 15 vite.<\/p>\n

Diferenca \u00ebsht\u00eb: nga 2.6 milion\u00eb lek\u00eb q\u00eb do t\u00eb p\u00ebrfitonte me kontributet e pag\u00ebs minimale nga pensioni shtet\u00ebror p\u00ebr 15 vite, n\u00eb privat p\u00ebrfiton 8.4 milion\u00eb lek\u00eb; Nga 6.3 milion\u00eb lek\u00eb q\u00eb do t\u00eb p\u00ebrfitonte nga pensioni shtet\u00ebror p\u00ebr 15 vite p\u00ebr pag\u00ebn maksimale, n\u00eb privat do t\u00eb p\u00ebrfitoj\u00eb mbi 36.8 milion\u00eb lek\u00eb p\u00ebr 15 vjet. Diferenca \u00ebsht\u00eb e madhe!<\/p>\n

Ka dy m\u00ebnyra se si mund t\u00eb kontribuohet n\u00eb pensionin privat. Nj\u00ebra m\u00ebnyr\u00eb \u00ebsht\u00eb ajo ku individ\u00ebt kontribuojn\u00eb vullnetarisht n\u00eb skemat private t\u00eb pensioneve, kjo \u00ebsht\u00eb ajo q\u00eb ndodh sot, duke e vendosur vet\u00eb shum\u00ebn dhe koh\u00ebn e kontributit, por q\u00eb akoma \u00ebsht\u00eb n\u00eb shifra t\u00eb ulta p\u00ebr shum\u00eb arsye. Kjo sepse njer\u00ebzit nuk i din\u00eb p\u00ebrfitimet reale t\u00eb k\u00ebsaj skeme dhe mbeten peng i kontributeve n\u00eb shtet, q\u00eb n\u00eb fakt, n\u00ebse do t\u00eb kontribuonin n\u00eb privat, pensioni del disa her\u00eb m\u00eb i lart\u00eb.<\/p>\n

M\u00ebnyra e dyt\u00eb \u00ebsht\u00eb q\u00eb shteti t\u00eb ndaj\u00eb nga kontributet q\u00eb qytetar\u00ebt derdhin aktualisht p\u00ebr Sigurimet Shoq\u00ebrore vet\u00ebm 3% p\u00ebr Pension Privat, at\u00ebher\u00eb qytetar\u00ebt do t\u00eb kishin nj\u00eb pension privat 3-4 her\u00eb m\u00eb t\u00eb lart\u00eb se pensioni i sot\u00ebm shtet\u00ebror, duke zgjidhur k\u00ebshtu p\u00ebrfundimisht k\u00ebt\u00eb problem t\u00eb r\u00ebnd\u00ebsish\u00ebm social.<\/p>\n

Pra po t\u00eb marrim shembulline zot\u00ebris\u00eb, q\u00eb ka punuar mbi 40 vite, po t\u00eb kishte kursyer ose paguar n\u00eb fond privat pensioni p\u00ebr 40 vite me rradh\u00eb rreth 5000 lek\u00eb n\u00eb muaj do kishte kursyer 2,400,000 lek\u00eb ose 20.000 euro. Por fondi i investon k\u00ebto para dhe zot\u00ebria do t\u00eb kishte mund\u00ebsin\u00eb t\u00eb merrte pasi t\u00eb dilte n\u00eb pension plot 50,000 euro. Kjo pasi fondi ka kthim t\u00eb lart\u00eb investimi, momentalisht rreth 4%.<\/p>\n

K\u00ebshtu, n\u00ebse nj\u00eb individ kontribuon \u00e7do muaj nga 5 000 lek\u00eb t\u00eb reja p\u00ebr 10 vjet n\u00eb pensionin privat, ai\/ajo do t\u00eb p\u00ebrfitoj\u00eb nj\u00eb pension mujor prej 8200 lek\u00ebsh p\u00ebr 10 vite pasi t\u00eb dal\u00eb n\u00eb pension. N\u00ebse kontribuon 5 mij\u00eb lek\u00eb p\u00ebr 20 vjet del me pension 13.600 lek\u00eb t\u00eb reja, nd\u00ebrsa p\u00ebr 25 vite kontribut del me pension mujor 17 mij\u00eb lek\u00eb.<\/p>\n

N\u00ebse p\u00ebr 20 vjet nj\u00eb qytetar ark\u00ebton n\u00eb Fondin e Pensionit Privat nga 10 mij\u00eb lek\u00eb t\u00eb reja n\u00eb muaj, n\u00eb fund do t\u00eb p\u00ebrfitoj\u00eb nj\u00eb pension prej 27 mij\u00eb lek\u00eb t\u00eb reja dhe fitimi nga interesat do t\u00eb jet\u00eb 408 mij\u00eb lek\u00eb t\u00eb reja.<\/p>\n

Nd\u00ebrsa n\u00ebse nj\u00eb individ zgjedh t\u00eb kontribuoj\u00eb 20 mij\u00eb lek\u00eb \u00e7do muaj, shum\u00eb kjo q\u00eb me Ligjin Shqiptar \u00ebsht\u00eb e p\u00ebrjashtuar nga \u00e7do taks\u00eb, pas 20 vitesh do t\u00eb p\u00ebrfitoj\u00eb nj\u00eb pension privat me 54 mij\u00eb lek\u00eb n\u00eb muaj dhe fitimi nga interesat do t\u00eb jet\u00eb rreth 820 mij\u00eb lek\u00eb t\u00eb reja.<\/p>\n

Kjo \u00ebsht\u00eb nj\u00eb mund\u00ebsi q\u00eb \u00e7do individ zgjedh p\u00ebr veten e tij, p\u00ebr t\u00eb patur t\u00eb ardhura shtes\u00eb n\u00eb mosh\u00ebn kur i nevojiten m\u00eb shum\u00eb.<\/p>\n

Kjo \u00ebsht\u00eb zgjidhja q\u00eb i \u00ebsht\u00eb dh\u00ebn\u00eb historikisht Europ\u00ebs, bot\u00ebs dhe tanim\u00eb edhe rajonit. Aktualisht Kosova e ka skem\u00ebn 100% kontribut privat dhe pension privat. Dhe Maqedonia ka koh\u00eb q\u00eb ka kaluar n\u00eb dy pensione, nj\u00eb shtet\u00ebror dhe nj\u00eb privat, dhe pensioni privat \u00ebsht\u00eb dyfishi i atij shtet\u00ebror.<\/p>\n

SOT PENSIONET PRIVATE N\u00cb SHQIP\u00cbRI(HISTORI)<\/strong><\/p>\n

Sot, n\u00eb t\u00eb gjith\u00eb bot\u00ebn, miliona njer\u00ebz nuk jan\u00eb duke kursyer mjaftuesh\u00ebm p\u00ebr t\u2019i ofruar atyre nj\u00eb standard jetese kur t\u00eb dalin n\u00eb pension. Nj\u00eb trend i till\u00eb, n\u00eb rritje, po vihet re edhe n\u00eb Shqip\u00ebri.<\/p>\n

Fondi i pensionit \u00ebsht\u00eb akoma n\u00eb fillesat e veta dhe vet\u00ebm 32 mij\u00eb shqiptar\u00eb po investojn\u00eb p\u00ebr nj\u00eb pension privat n\u00eb pleq\u00ebri. Por p\u00ebrse shqiptar\u00ebt kan\u00eb zgjedhur n\u00eb mas\u00eb Fondin e Pensioneve Vullnetare SIGAL?<\/p>\n

– Lider ne tregun e pensioneve private me mbi 10.000 an\u00ebtar\u00eb dhe asete q\u00eb kapin vler\u00ebn e 15 milion\u00eb eurove duke qen\u00eb k\u00ebshtu lideri n\u00eb tregun e pensioneve private me 43.53% t\u00eb tij.<\/p>\n

(Shifrat zyrtare t\u00eb AMF<\/strong>)<\/p>\n

– Udh\u00ebheq tregun prej mbi 15 vitesh
\n– Pjes\u00eb e Grupit SIGAL UNIQA, nj\u00eb nd\u00ebr grupet m\u00eb t\u00eb m\u00ebdha financiare n\u00eb Shqip\u00ebri dhe n\u00eb rajon
\n– Kontributet e derdhura nga pun\u00ebmarr\u00ebsi n\u00eb Fondin e Pensioneve Vullnetare SIGAL, zbriten nga t\u00eb ardhurat personale p\u00ebr efekt tatimi mbi t\u00eb ardhurat.
\n– Fitimi i realizuar nga investimi i aseteve t\u00eb fondit nuk i n\u00ebnshtrohet tatimit.
\n– Kontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb interes t\u00eb pun\u00ebmarr\u00ebsve n\u00eb Fondin e Pensionit Vullnetar SIGAL kan\u00eb interesa m\u00eb t\u00eb larta se bankat.
\n– Sh\u00ebrbimet e ofruara nga Banka p\u00ebr shoq\u00ebrin\u00eb administruese dhe an\u00ebtar\u00ebt e saj, konsiderohen si sh\u00ebrbim financiar dhe si rrjedhoj\u00eb jan\u00eb t\u00eb p\u00ebrjashtuara nga TVSH-ja.
\n– N\u00eb rast fatkeq\u00ebsie, pensioni nuk nd\u00ebrpritet por i kalon trash\u00ebgimtar\u00ebve.<\/p>\n

\u00c7far\u00eb k\u00ebrkoni m\u00eb shum\u00eb? Skiconi nj\u00eb t\u00eb ardhme m\u00eb t\u00eb bukur dhe plot me aventura duke investuar sot n\u00eb Fondin SIGAL p\u00ebr veten dhe familjen tuaj. As vet\u00eb nuk mund ti ruani dhe investoni parat\u00eb tuaja m\u00eb mir\u00eb se Fondi SIGAL.<\/p>\n

Flisni me k\u00ebshilltarin tuaj p\u00ebr m\u00eb shum\u00eb informacion https:\/\/fondisigal.com.al\/keshilltaret\/<\/a><\/p>\n

Marr\u00eb nga gazeta Nacional<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u00eb saj\u00eb t\u00eb pun\u00ebston\u00ebapo njohjeve familjare dhe shoq\u00ebrore na duhet t\u00eb takojm\u00eb shum\u00eb njer\u00ebz t\u00eb profileve t\u00eb ndryshme \u00e7do dit\u00eb. T\u00eb njohur e t\u00eb panjohur, biznesmen\u00eb, politikan\u00eb, gazetar\u00eb, artist\u00eb etj por t\u00eb gjith\u00eb shqet\u00ebsohen p\u00ebr pasigurit\u00eb q\u00eb ofron e ardhmja. Nj\u00ebri prej tyre, nj\u00eb dit\u00eb m\u00eb tregonte: \u201cPak vite m\u00eb kan\u00eb mbetur p\u00ebr t\u00eb punuar […]<\/p>\n","protected":false},"author":1,"featured_media":73224,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-73223","post","type-post","status-publish","format-standard","has-post-thumbnail","category-artikuj"],"yoast_head":"\nKriza me skem\u00ebn e pensioneve n\u00eb Shqip\u00ebri, zgjidhja q\u00eb na nevojitet - FJALA e LIR\u00cb<\/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:\/\/jehonashqiptare.al\/fjala\/kriza-me-skemen-e-pensioneve-ne-shqiperi-zgjidhja-qe-na-nevojitet\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kriza me skem\u00ebn e pensioneve n\u00eb Shqip\u00ebri, zgjidhja q\u00eb na nevojitet - FJALA e LIR\u00cb\" \/>\n<meta property=\"og:description\" content=\"N\u00eb saj\u00eb t\u00eb pun\u00ebston\u00ebapo njohjeve familjare dhe shoq\u00ebrore na duhet t\u00eb takojm\u00eb shum\u00eb njer\u00ebz t\u00eb profileve t\u00eb ndryshme \u00e7do dit\u00eb. 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