{"id":7,"date":"2024-09-12T08:10:53","date_gmt":"2024-09-12T08:10:53","guid":{"rendered":"https:\/\/bqk.hpdevenv.com\/edu\/?page_id=7"},"modified":"2026-03-25T10:41:35","modified_gmt":"2026-03-25T10:41:35","slug":"rreth-nesh-3-2-2","status":"publish","type":"page","link":"https:\/\/bqk-kos.org\/edu\/","title":{"rendered":"Ballina"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7\" class=\"elementor elementor-7\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dab6e62 shared-top-layout  elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"dab6e62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e574413 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"e574413\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-090a3f5 elementor-widget elementor-widget-split-section\" data-id=\"090a3f5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"obj\" data-widget_type=\"split-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t  \r\n        <div class=\"shared-row-container d-flex-reverse\">\r\n                            <div class=\"img\">\r\n                    <img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_002-EDU.jpg\" alt=\"\">\r\n                <\/div>\r\n                        <div class=\"text\">\r\n                <div>\r\n                                            <h1 class=\"widget-header\" id=\"edukimi-financiar-informohu-dhe-merr-vendime-te-duhura-financiare\">Edukimi Financiar: Informohu dhe merr vendime t\u00eb duhura financiare<\/h1>\r\n                                        \t\t\t\t\t\t<div class=\"widget-header-click\">\r\n\t\t\t\t\t\t\t<p>Programi i Edukimit Financiar i BQK-s\u00eb synon t\u00eb rris\u00eb njohurit\u00eb dhe aft\u00ebsit\u00eb financiare t\u00eb publikut, duke i ndihmuar ata t\u00eb marrin vendime t\u00eb informuara mbi produktet dhe sh\u00ebrbimet financiare, kursimet dhe investimet. P\u00ebrmes k\u00ebtij portali, ne kontribuojm\u00eb n\u00eb mir\u00ebqenien financiare t\u00eb qytetar\u00ebve dhe n\u00eb ruajtjen e nj\u00eb sistemi financiar t\u00eb q\u00ebndruesh\u00ebm n\u00eb vend.<\/p>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t                <\/div>\r\n                <div class=\"split-section-link shared-arrow-link\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Read more\" href=\"https:\/\/bqk-kos.org\/edu\/rreth-nesh\/\" class=\"widget-button\" style=\"color: #FFFFFF;\">M\u00eb shum\u00eb rreth nesh<\/a>\r\n\t\t\t\t\t\t    <svg class=\"split-section-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\" style=\"fill: #FFFFFF;\">\r\n\t\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#FFFFFF\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\t\t\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-984f544 e-con-full shared-layout printable-area-overwrite e-flex e-con e-parent\" data-id=\"984f544\" data-element_type=\"container\" data-e-type=\"container\" id=\"aktiv\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54d9ce8 latest-activities-slider2 elementor-widget elementor-widget-latest_activities\" data-id=\"54d9ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"latest_activities.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"last-activities\">\n\t\t\t\t<div class=\"title-wrapp\">\n\t\t\t\t\t<div class=\"title-link\">\n\t\t\t\t\t\t<h2 id=\"aktivitetet-e-fundit\">Aktivitetet e fundit<\/h2>\n\t\t\t\t\t\t<a alt=\"View all activitets\" href=\"\/edu\/aktivitetet-e-fundit\/\">\n\t\t\t\t\t\t\tT\u00eb gjitha aktivitetet\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\">\n\t\t\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"right-left-arrows\">\n\t\t\t\t\t\t<button aria-label=\"Previous\" class=\"left left-arrow\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9.4\" height=\"17.399\" viewBox=\"0 0 9.4 17.399\">\n\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,8,8,0ZM0,8,8,0Z\" transform=\"translate(0.7 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<button class=\"right right-arrow\" aria-label=\"Next\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"9.4\" height=\"17.398\" viewBox=\"0 0 9.4 17.398\">\n\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\n\t\t\t\t<div class=\"last-activities-card-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-vazhdon-aktivitetet-per-promovimin-e-edukimit-financiar-tek-nxenesit\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"154\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-300x154.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-300x154.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-1024x525.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-768x394.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-1536x788.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_5814-2048x1050.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"09-06-2026\">09\/06\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-vazhdon-aktivitetet-per-promovimin-e-edukimit-financiar-tek-nxenesit\">BQK vazhdon aktivitetet p\u00ebr promovimin e edukimit financiar tek nx\u00ebn\u00ebsit<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-shenon-1-qershorin-diten-nderkombetare-te-femijeve-me-aktivitet-edukativ-per-nxenesit-2\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"149\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-300x149.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-300x149.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-1024x510.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-768x382.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-1536x765.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/06\/CBK_4225-1-2048x1019.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"01-06-2026\">01\/06\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-shenon-1-qershorin-diten-nderkombetare-te-femijeve-me-aktivitet-edukativ-per-nxenesit\">BQK sh\u00ebnon 1 Qershorin \u2013 Dit\u00ebn Nd\u00ebrkomb\u00ebtare t\u00eb F\u00ebmij\u00ebve me aktivitet edukativ p\u00ebr nx\u00ebn\u00ebsit<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-mban-ligjerate-per-studentet-e-universitetit-te-prishtines-informohen-mbi-rolin-e-institucionit-ne-ruajtjen-e-stabilitetit-financiar-funksionet-dhe-mandatin-kushtetues-e-ligjor\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/04\/BQK-UP_01-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"07-04-2026\">07\/04\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-mban-ligjerate-per-studentet-e-universitetit-te-prishtines-informohen-mbi-rolin-e-institucionit-ne-ruajtjen-e-stabilitetit-financiar-funksionet-dhe-mandatin-kushtetues-e-ligjor\">BQK mban ligj\u00ebrat\u00eb p\u00ebr student\u00ebt e Universitetit t\u00eb Prishtin\u00ebs: Informohen mbi rolin e institucionit n\u00eb ruajtjen e stabilitetit financiar, funksionet dhe mandatin kushtetues e ligjor<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-realizon-aktivitete-edukative-financiare-me-nxenesit-e-shkollave-aleksander-xhuvani-dhe-isa-boletini-ne-podujeve-ne-kuader-te-javes-globale-te-parase-2026\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/1-Axhuvani--2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"27-03-2026\">27\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-realizon-aktivitete-edukative-financiare-me-nxenesit-e-shkollave-aleksander-xhuvani-dhe-isa-boletini-ne-podujeve-ne-kuader-te-javes-globale-te-parase-2026\">BQK realizon aktivitete edukative financiare me nxen\u00ebsit e Shkollave Aleksand\u00ebr Xhuvani dhe Isa Boletini n\u00eb Podujev\u00eb n\u00eb kuad\u00ebr t\u00eb Jav\u00ebs Globale t\u00eb Paras\u00eb 2026<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/guvernatori-ismaili-ligjeroi-para-studenteve-te-rit-kosovo-auk-mbi-rolin-e-bqk-se-ne-ruajtjen-e-stabilitetit-financiar-dhe-promovimin-e-zhvillimit-te-qendrueshem-ekonomik\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/CBK-AUK_001-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"23-03-2026\">23\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"guvernatori-ismaili-ligjeroi-para-studenteve-te-rit-kosovo-auk-mbi-rolin-e-bqk-se-ne-ruajtjen-e-stabilitetit-financiar-dhe-promovimin-e-zhvillimit-te-qendrueshem-ekonomik\">Guvernatori Ismaili ligj\u00ebroi para student\u00ebve t\u00eb RIT Kosovo (AUK) mbi rolin e BQK-s\u00eb n\u00eb ruajtjen e stabilitetit financiar dhe promovimin e zhvillimit t\u00eb q\u00ebndruesh\u00ebm ekonomik<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/zevendesguvernatori-fusha-pjese-e-panelit-per-rolin-e-parase-digjitale-ne-luftimin-e-evazionit-tatimor-ne-kuader-te-javes-globale-te-parase\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/8X4A2525-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/8X4A2525-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/8X4A2525-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/8X4A2525.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"23-03-2026\">23\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"zevendesguvernatori-fusha-pjese-e-panelit-per-rolin-e-parase-digjitale-ne-luftimin-e-evazionit-tatimor-ne-kuader-te-javes-globale-te-parase\">Z\u00ebvend\u00ebsguvernatori Fusha pjes\u00eb e panelit p\u00ebr rolin e paras\u00eb digjitale n\u00eb luftimin e evazionit tatimor n\u00eb kuad\u00ebr t\u00eb Jav\u00ebs Globale t\u00eb Paras\u00eb<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/bqk-thekson-rendesine-e-edukimit-financiar-ne-ndarjen-e-cmimeve-te-gares-stock-market-learning-competition-per-bankiere-te-rinj\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-300x200.jpg\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-300x200.jpg 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-1024x683.jpg 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-768x512.jpg 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1-1536x1024.jpg 1536w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/653719640_783151621533034_1286891581220846316_n-1.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"19-03-2026\">19\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"bqk-thekson-rendesine-e-edukimit-financiar-ne-ndarjen-e-cmimeve-te-gares-stock-market-learning-competition-per-bankiere-te-rinj\">BQK thekson r\u00ebnd\u00ebsin\u00eb e edukimit financiar n\u00eb ndarjen e \u00e7mimeve t\u00eb gar\u00ebs &#8220;Stock Market Learning Competition&#8221; p\u00ebr bankier\u00eb t\u00eb rinj<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/bqk-kos.org\/edu\/activities\/konkurs-per-punime-kerkimore\/\" class=\"last-activities-card\">\n\t\t\t\t\t\t\t<div class=\"card-img-wrapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"158\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-300x158.png\" class=\"attachment-medium size-medium wp-post-image\" alt=\"\" srcset=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-300x158.png 300w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-1024x538.png 1024w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq-768x403.png 768w, https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2026\/03\/BQK-Cmimi_WEB-shq.png 1200w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<div class=\"activities-content\">\n\t\t\t\t\t\t\t\t<div class=\"card-title\">\n\t\t\t\t\t\t\t\t\t<div class=\"details\">\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"aktivitete\">Aktivitete<\/h6>\n\t\t\t\t\t\t\t\t\t\t<span>|<\/span>\n\t\t\t\t\t\t\t\t\t\t<h6 id=\"17-03-2026\">17\/03\/2026<\/h6>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3 id=\"konkurs-per-punime-kerkimore\">KONKURS P\u00cbR PUNIME K\u00cbRKIMORE<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"activities-cta\">\n\t\t\t\t\t\t\t\t\t<h6>Lexo m\u00eb shum\u00eb\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 10 17.398\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,7.5l-8,8ZM0,7.5l8,8Z\" transform=\"translate(-6.799 16.699) rotate(-90)\" fill=\"none\" stroke=\"#a34d8e\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t\t\t<button>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"share-svg\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"15\" height=\"15\" viewBox=\"0 0 25.6 25.6\">\n\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18631\" data-name=\"Path 18631\" d=\"M10.341,14.347l9.208-4.756m-9.208,8.085,9.208,4.76M10.451,16a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,10.451,16ZM27,24.25a3.726,3.726,0,1,1-3.725-3.75A3.738,3.738,0,0,1,27,24.25Zm0-16.5A3.726,3.726,0,1,1,23.275,4,3.738,3.738,0,0,1,27,7.75Z\" \n\t\t\t\t\t\t\t\t\t\t\t\ttransform=\"translate(-2.2 -3.2)\" \n\t\t\t\t\t\t\t\t\t\t\t\tfill=\"none\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke=\"#3F1871\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linecap=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-linejoin=\"round\" \n\t\t\t\t\t\t\t\t\t\t\t\tstroke-width=\"1.6\"\/>\n\t\t\t\t\t\t\t\t\t\t<\/svg> \n\t\t\t\t\t\t\t\t\t\tShp\u00ebrndaj\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d840fbe e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"d840fbe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d87caa5 elementor-widget elementor-widget-products\" data-id=\"d87caa5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"products.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-products\">\r\n\t\t\t<div class=\"products-dropdown-wrapper\">\r\n\t\t\t\t<button aria-label=\"Toggle\" class=\"products-dropdown-toggle\">\r\n\t\t\t\t\t<h2 class=\"toggle-title\" id=\"bqk\">BQK<\/h2>\r\n\t\t\t\t\t<h3 class=\"toggle-subtitle\" id=\"banka-qendrore-e-republikes-se-kosoves\">Banka Qendrore e Republikes se Kosoves<\/h3>\r\n\t\t\t\t\t<svg class=\"products-dropdown-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\r\n\t\t\t\t<ul class=\"products-dropdown\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-1\">\r\n\t\t\t\t\t\t\t<h3 id=\"bqk\">BQK<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"banka-qendrore-e-republikes-se-kosoves\">Banka Qendrore e Republikes se Kosoves<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-2\">\r\n\t\t\t\t\t\t\t<h3 id=\"bankat\">Bankat<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"bankat-qe-operojne-ne-kosove\">Bankat q\u00eb operojn\u00eb n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-3\">\r\n\t\t\t\t\t\t\t<h3 id=\"euro-dhe-para\">Euro dhe Para<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"paraja-ne-qarkullim-ne-kosove\">Paraja n\u00eb qarkullim n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-4\">\r\n\t\t\t\t\t\t\t<h3 id=\"regjistri-i-kredive\">Regjistri i Kredive<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"regjistri-i-kredive-ne-bqk\">Regjistri i Kredive n\u00eb BQK<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-5\">\r\n\t\t\t\t\t\t\t<h3 id=\"sigurime\">Sigurime<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"roli-dhe-rendesia-e-sigurimeve\">Roli dhe r\u00ebnd\u00ebsia e sigurimeve<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"product-dropdown-item\" data-tab=\"product-6\">\r\n\t\t\t\t\t\t\t<h3 id=\"pensione\">Pensione<\/h3>\r\n\t\t\t\t\t\t\t<h2 id=\"sistemi-pensional-ne-kosove\">Sistemi Pensional n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"products-box-wrapper\">\r\n\t\t\t\t\r\n\t\t\t\t<!-- Product Boxes as Tab Headers -->\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-1\">\r\n\t\t\t\t\t\t<h3 id=\"bqk\">BQK<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"banka-qendrore-e-republikes-se-kosoves\">Banka Qendrore e Republikes se Kosoves<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-2\">\r\n\t\t\t\t\t\t<h3 id=\"bankat\">Bankat<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"bankat-qe-operojne-ne-kosove\">Bankat q\u00eb operojn\u00eb n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-3\">\r\n\t\t\t\t\t\t<h3 id=\"euro-dhe-para\">Euro dhe Para<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"paraja-ne-qarkullim-ne-kosove\">Paraja n\u00eb qarkullim n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-4\">\r\n\t\t\t\t\t\t<h3 id=\"regjistri-i-kredive\">Regjistri i Kredive<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"regjistri-i-kredive-ne-bqk\">Regjistri i Kredive n\u00eb BQK<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-5\">\r\n\t\t\t\t\t\t<h3 id=\"sigurime\">Sigurime<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"roli-dhe-rendesia-e-sigurimeve\">Roli dhe r\u00ebnd\u00ebsia e sigurimeve<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t<button aria-label=\"Tabs\" class=\"product-box\" data-tab=\"product-6\">\r\n\t\t\t\t\t\t<h3 id=\"pensione\">Pensione<\/h3>\r\n\t\t\t\t\t\t<h2 id=\"sistemi-pensional-ne-kosove\">Sistemi Pensional n\u00eb Kosov\u00eb<\/h2>\r\n\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\r\n\t\t\t<!-- Tab Content for Each Product -->\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-1\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-0\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Banka Qendrore?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-1\">\r\n\t\t\t\t\t\t\t\t\tCili \u00ebsht\u00eb statusi ligjor dhe operacional i BQK-s\u00eb?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-1-2\">\r\n\t\t\t\t\t\t\t\t\tCilat jan\u00eb funksionet kryesore t\u00eb BQK-s\u00eb\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Banka Qendrore e Kosov\u00ebs \u00ebsht\u00eb banka qendrore e shtetit. Shumica e shteteve t\u00eb pavarura kan\u00eb bank\u00ebn e tyre qendrore. Karakteristikat kryesore t\u00eb nj\u00eb Banke Qendrore jan\u00eb t\u00eb qenit bankier p\u00ebr qeverin\u00eb dhe p\u00ebr bankat komerciale, ajo menaxhon furnizimin e vendit me monedha, zbaton politikat monetare dhe luan nj\u00eb rol t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb sistemin e pagesave t\u00eb vendit.<\/p><p>Disa banka qendrore, p\u00ebrfshir\u00eb Bank\u00ebn Qendrore t\u00eb Kosov\u00ebs, kryejn\u00eb edhe funksione t\u00eb tjera t\u00eb r\u00ebnd\u00ebsishme, si mbik\u00ebqyrja e tregut financiar dhe menaxhimin e rezervave valutore t\u00eb vendit. Por jo t\u00eb gjitha bankat qendrore kan\u00eb k\u00ebto role.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Ligji aktual i Bank\u00ebs Qendrore u miratua n\u00eb vitin 2010. Ligji p\u00ebrcakton BQK-n\u00eb si entitet t\u00eb ve\u00e7ant\u00eb juridik me pavar\u00ebsi operacionale dhe administrative. Nuk \u00ebsht\u00eb pjes\u00eb e skem\u00ebs s\u00eb Sh\u00ebrbyesve Civil t\u00eb Kosov\u00ebs edhe pse \u00ebsht\u00eb n\u00eb pron\u00ebsi t\u00eb plot\u00eb t\u00eb Qeveris\u00eb s\u00eb Kosov\u00ebs.<\/p><p>An\u00ebtar\u00ebt e organeve t\u00eb saj vendimmarr\u00ebse, t\u00eb Bordit Drejtues t\u00eb BQK-s\u00eb dhe Bordit Ekzekutiv, nuk duhet t\u00eb marrin apo t\u00eb k\u00ebrkoj\u00eb ndonj\u00eb udh\u00ebzim nga qeveria apo kushdo tjet\u00ebr n\u00eb realizimin e detyrave dhe p\u00ebrgjegj\u00ebsive t\u00eb tyre.<\/p><p><strong>Misioni i BQK-s\u00eb:<\/strong><\/p><p>- \u00a0 \u00a0 \u00a0 \u00a0 \u00a0T\u00eb ruaj\u00eb stabilitetin financiar dhe monetar n\u00eb Kosov\u00eb;<br \/>- \u00a0 \u00a0 \u00a0 \u00a0 \u00a0T\u00eb siguroj\u00eb sisteme efektive t\u00eb pagesave dhe furnizimit me para t\u00eb gatshme;<br \/>- \u00a0 \u00a0 \u00a0 \u00a0 \u00a0T'i ofroj\u00eb k\u00ebshilla ekonomike Qeveris\u00eb dhe subjekteve t\u00eb tjera publike; dhe<br \/>- \u00a0 \u00a0 \u00a0 \u00a0 \u00a0T\u00eb kontribuoj\u00eb n\u00eb zhvillimin afatgjat\u00eb t\u00eb q\u00ebndruesh\u00ebm t\u00eb Kosov\u00ebs p\u00ebrmes zhvillimit t\u00eb tregut financiar.<\/p><p><strong>Vizioni strategjik i BQK-s\u00eb:\u00a0<\/strong>vizioni strategjik i BQK-s\u00eb \u00ebsht\u00eb t\u00eb jemi n\u00eb mesin e bankave qendrore m\u00eb efikase dhe efektive, si dhe t\u00eb jemi institucion meritor n\u00eb arritjen e integrimit evropian dhe afirmimit nd\u00ebrkomb\u00ebtar t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs. Nga ana operacionale, BQK-ja p\u00ebrpiqet t\u00eb arrij\u00eb nivelin m\u00eb t\u00eb lart\u00eb, deri n\u00eb p\u00ebrsosm\u00ebri, p\u00ebr nga kompetencat, integriteti, efikasiteti dhe transparenca n\u00eb t\u00eb gjitha operacionet dhe aktivitetet e saj.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-1-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Lidhur me funksionet e BQK-s\u00eb, si\u00e7 ndodh shpesh n\u00eb vendet relativisht t\u00eb vogla, BQK-ja ka nj\u00eb gam\u00eb t\u00eb gjer\u00eb t\u00eb funksioneve. Megjithat\u00eb kryesoret jan\u00eb:<\/p><p>- \u00a0 \u00a0 \u00a0 \u00a0T\u00eb nxit\u00eb dhe t\u00eb mbaj\u00eb nj\u00eb sistem financiar stabil;<br \/>- \u00a0 \u00a0 \u00a0 \u00a0T\u00eb veproj\u00eb si bank\u00eb ndaj bankave komerciale, Ministris\u00eb s\u00eb Financave dhe ndaj sektorit publike dhe agjencive nd\u00ebrkomb\u00ebtare;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb zbatoj\u00eb politik\u00ebn monetare n\u00eb Kosov\u00eb, kryesisht duke ndikuar n\u00eb shum\u00ebn e kredis\u00eb s\u00eb krijuar;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb siguroj\u00eb nj\u00eb furnizim adekuat dhe cil\u00ebsor me kart\u00ebmonedha dhe monedha n\u00eb Kosov\u00eb;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb rregulloj\u00eb dhe ver\u00eb n\u00eb veprim sisteme pagesash jo-kesh;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb licencoj\u00eb, mbik\u00ebqyr\u00eb dhe rregulloj\u00eb nj\u00eb gam\u00eb t\u00eb gjer\u00eb t\u00eb institucioneve financiare;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb menaxhoj\u00eb rezervat valutore t\u00eb vendit;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb veproj\u00eb si agjent fiskal i Qeveris\u00eb;<br \/>- \u00a0 \u00a0 \u00a0 T\u00eb p\u00ebrgatit\u00eb dhe publikoj\u00eb statistika si dhe t\u00eb p\u00ebrgatis\u00eb dhe t\u00eb publikoj\u00eb analiza ekonomike mbi ekonomin\u00eb e Kosov\u00ebs.<\/p><p>Ne vijim p\u00ebrshkruhen dhe shpjegohen shkurtimisht t\u00eb gjitha k\u00ebto funksione me p\u00ebrjashtim t\u00eb funksioneve t\u00eb mbik\u00ebqyrjes s\u00eb tregut financiar dhe stabilitetit financiar. K\u00ebto funksione t\u00eb r\u00ebnd\u00ebsishme do t\u00eb mbulohen n\u00eb nj\u00eb artikull t\u00eb ve\u00e7ant\u00eb.<\/p><p>Banka Qendrore e Kosov\u00ebs vepron si bank\u00eb, por nuk hap llogari bankare p\u00ebr qytetar\u00ebt apo kompanit\u00eb k\u00ebshtu q\u00eb nuk \u00ebsht\u00eb si bankat komerciale.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-2\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-0\">\r\n\t\t\t\t\t\t\t\t\tBankat q\u00eb operojn\u00eb n\u00eb Kosov\u00eb\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-1\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Norma Efektive e Interesit?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-2\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka do t\u00eb thot\u00eb t\u00eb jesh garantues?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-3\">\r\n\t\t\t\t\t\t\t\t\tKredi\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-4\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrdorimi i Kartelave Bankare\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-5\">\r\n\t\t\t\t\t\t\t\t\tMe kursim t\u00eb parave deri te realizimi i \u00ebndrrave\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-6\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka duhet t\u00eb dijm\u00eb para se t\u00eb marrim kredi\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-7\">\r\n\t\t\t\t\t\t\t\t\tA udh\u00ebhiqni ju me parat\u00eb tuaja apo parat\u00eb udheh\u00ebqin me ju\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-8\">\r\n\t\t\t\t\t\t\t\t\tTransferet nd\u00ebrkomb\u00ebtare t\u00eb parave koncepte bazike\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-9\">\r\n\t\t\t\t\t\t\t\t\tSh\u00ebrbimet dhe produktet financiare\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-10\">\r\n\t\t\t\t\t\t\t\t\tPyetjet e shpeshta p\u00ebr licencimin bankar\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-11\">\r\n\t\t\t\t\t\t\t\t\tLista e \u00e7mimeve t\u00eb produkteve dhe sh\u00ebrbimeve financiare\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-12\">\r\n\t\t\t\t\t\t\t\t\tFondi Kosovar p\u00ebr Sigurimin e Depozitave\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-2-13\">\r\n\t\t\t\t\t\t\t\t\tFondi Kosovar p\u00ebr Garantimin e Kredive\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Sistemi financiar \u00ebsht\u00eb sektori m\u00eb i r\u00ebnd\u00ebsish\u00ebm n\u00eb ekonomin\u00eb e nj\u00eb vendi. Bankat konsiderohen si institucionet kryesore financiare q\u00eb veprojn\u00eb n\u00eb sistemin financiar, kryesisht p\u00ebr shkak t\u00eb gam\u00ebs s\u00eb gjer\u00eb t\u00eb produkteve dhe sh\u00ebrbimeve q\u00eb i ofrojn\u00eb.<\/p><p>N\u00eb Kosov\u00eb operojn\u00eb 11 banka komerciale.<\/p><p>List\u00ebn e plot\u00eb t\u00eb bankave dhe kontakt adresat mund t'i gjeni k\u00ebtu:\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Lista-e-institucioneve-financiare_10122020.pdf\">Kontaktet e Bankave Komerciale n\u00eb Kosov\u00eb<\/a>:<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Norma efektive e interesi (NEI)- \u00ebsht\u00eb nj\u00eb norm\u00eb t\u00eb\u00a0cil\u00ebn konsumator\u00ebt duhet ta shikojn\u00eb me shum\u00eb kujdes, kur negociojn\u00eb nj\u00eb kontrat\u00eb kredie apo depozite, me nj\u00eb bank\u00eb ose institucion mikro-financiar. Kjo norm\u00eb mund\u00ebson matjen m\u00eb t\u00eb sakt\u00eb t\u00eb kostos reale p\u00ebr kredin\u00eb\u00a0 e propozuar ose t\u00eb kthimit real q\u00eb do t\u00eb marrin nga nj\u00eb depozit\u00eb.<\/p><p><em>Kjo \u00ebsht\u00eb norma m\u00eb e mir\u00eb e interesit p\u00ebr t\u00eb krahasuar lloje t\u00eb ndryshme t\u00eb kredive apo depozitave si dhe kur duam t\u00eb krahasojm\u00eb ofertat p\u00ebr kredi apo depozita n\u00eb banka t\u00eb ndryshme.<\/em><\/p><p>Kjo norm\u00eb mund\u00ebson matjen m\u00eb t\u00eb sakt\u00eb t\u00eb kostos reale p\u00ebr kredin\u00eb\u00a0 e propozuar ose t\u00eb kthimit real q\u00eb do t\u00eb marrin nga nj\u00eb depozit\u00eb.<\/p><p>Norma Efektive e Interesit- mat koston p\u00ebr nj\u00eb huamarr\u00ebs ose kthimin te nj\u00eb depozitues pasi q\u00eb t\u00eb gjitha tarifat (pagesat) dhe kostot q\u00eb lidhen me nj\u00eb kredi ose nj\u00eb depozit\u00eb t\u00eb jen\u00eb p\u00ebrfshir\u00eb n\u00eb llogaritjen e norm\u00ebs s\u00eb interesit.<\/p><p>M\u00eb gjer\u00ebsisht referojuni dokumentit bashk\u00ebngjitur.\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Norma-e-interesit.pdf\">M\u00eb shum\u00eb<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>\u00c7ka do t\u00eb thot\u00eb t\u00eb jesh garantues dhe cilat jan\u00eb rreziqet?<\/p><p>Garantuesit p\u00ebrdoren mjaft shpesh nga bankat dhe organizatat mikro-kreditore n\u00eb Kosov\u00eb. T\u00eb qenit \u00a0garantues p\u00ebr nj\u00eb person tjet\u00ebr mund t\u00eb jet\u00eb nj\u00eb favor shum\u00eb i madh, q\u00eb i b\u00ebn personit tjet\u00ebr pasi nga kjo mund t\u00eb varet miratimi apo refuzimi i aplikacionit p\u00ebr kredi. Por ka shum\u00eb rreziqe t\u00eb m\u00ebdha t\u00eb p\u00ebrfshira n\u00eb t\u00eb qenit nj\u00eb garantues dhe \u00ebsht\u00eb e r\u00ebnd\u00ebsishme, q\u00eb njer\u00ebzit t\u00eb kuptojn\u00eb k\u00ebto rreziqe dhe t\u00eb mendojn\u00eb se si mund t\u2019i menaxhojn\u00eb ato, para se t\u00eb pranojn\u00eb t\u00eb b\u00ebhen garantues. Ky artikull p\u00ebrshkruan karakteristikat kryesore nga t\u00eb cilat p\u00ebrb\u00ebhen garancit\u00eb dhe rreziqet q\u00eb nj\u00eb person bart duke n\u00ebnshkruar nj\u00eb garanci.<\/p><p>Disa njer\u00ebz mendojn\u00eb se n\u00ebnshkrimi i nj\u00eb garancie \u00ebsht\u00eb vet\u00ebm nj\u00eb formalitet - nj\u00eb m\u00ebnyr\u00eb e thjesht\u00eb dhe q\u00eb nuk mbart rrezik p\u00ebr t\u00eb ndihmuar nj\u00eb mik apo koleg duke i dh\u00ebn\u00eb atij\/saj nj\u00eb referenc\u00eb. Por \u00ebsht\u00eb m\u00eb shum\u00eb se kaq - ju b\u00ebheni p\u00ebrgjegj\u00ebs p\u00ebr borxhin e tyre, n\u00ebse ata d\u00ebshtojn\u00eb t\u00eb p\u00ebrmbushin detyrimet e tyre.<\/p><p>P\u00ebr m\u00eb shum\u00eb lexoni dokumentin:<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2025\/04\/booklet-a5-Te-jesh-garantues.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tT\u00eb jesh garantues\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-3\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>\u00c7far\u00eb \u00ebsht\u00eb mir\u00eb t\u00eb dini para se t\u00eb merrni nj\u00eb kredi?<br \/>\u00c7ka \u00ebsht\u00eb kredia, \u00e7far\u00eb lloji t\u00eb kredis\u00eb do t\u00eb merrni?<br \/>Llojet e kredive, cila bank\u00eb?<br \/>Dokumentet q\u00eb duhet t\u00eb siguroni para se t\u00eb aplikoni p\u00ebr kredi<\/p><p>P\u00ebr m\u00eb shum\u00eb ju lutem referojuni dokumentit n\u00eb vijim:<\/p><p><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Artikulliu-Per-kredi-pdf.pdf\">Artikulli p\u00ebr kredi<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-4\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><a href=\"https:\/\/youtu.be\/tnOuKdlDXVw\">P\u00ebrdorimi i Kartelave Bankare<\/a><\/p><p><a href=\"https:\/\/youtu.be\/tnOuKdlDXVw\">Video \u00a0informative p\u00ebr p\u00ebrdorimin dhe sigurin\u00eb e kartelave bankare.<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-5\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Broshura-1-final-final.pdf\">Me kursim t\u00eb parave deri te realizimi i \u00ebndrrave<\/a><\/p><p>Broshur\u00eb se \u00e7ka jan\u00eb\u00a0 kursimet dhe si t'i shfryt\u00ebzoni m\u00eb pas\u00a0ato.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Capture-6.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-6\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Broshura-1-final-final-2.pdf\">\u00c7ka duhet t\u00eb dijm\u00eb para se t\u00eb marrim kredi<\/a><\/p><p>Broshur\u00eb se \u00e7ka duhet t\u00eb dijm\u00eb para se t\u00eb marrim kredi.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/broshura2.jpg\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-7\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/broshura-3-Final.pdf\">A udh\u00ebhiqni ju me parat\u00eb tuaja apo parat\u00eb udheh\u00ebqin me ju<\/a><\/p><p>Broshur\u00eb rreth menaxhimit dhe planifikimit t\u00eb financave tuaja, si ve\u00e7ori me r\u00ebnd\u00ebsi n\u00eb jet\u00ebn tuaj.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Capture-4.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-8\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><h3><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/MONEY-TRANSFER-KOSOVO-ALBANIAN-EDITABLE-002.pdf\"><strong>Transferet nd\u00ebrkomb\u00ebtare t\u00eb parave koncepte bazike<\/strong><\/a><\/h3><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/trasnndkparaveshq3-300x300-1.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-9\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><h3><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/FINANCIAL-SERVICES-KOSOVO-ALBANIAN-EDITABLE-003.pdf\">Sh\u00ebrbimet dhe produktet financiare<\/a><\/h3><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/shrbdheprdfinshq-300x300-1.png\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-10\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>P\u00ebr t\u00eb m\u00ebsuar disa nga pyetjet m\u00eb t\u00eb shpeshta rreth bankave, shkarko <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Pyetjet-e-shpeshta-BANKA.pdf\">dokumentin<\/a>.<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-11\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>P\u00ebr t\u00eb marr\u00eb vendime t\u00eb duhura kur b\u00ebjm\u00eb blerje, ne krahasojm\u00eb ofertat n\u00eb treg: p\u00ebrpar\u00ebsit\u00eb dhe an\u00ebt negative t\u00eb produktit. Nj\u00ebjt\u00eb duhet t\u00eb veprojm\u00eb edhe kur blejm\u00eb produkte apo sh\u00ebrbime financiare. Sikurse n\u00eb shumic\u00ebn e vendeve t\u00eb bot\u00ebs, edhe n\u00eb Kosov\u00eb, bankat\/institucionet kredidh\u00ebn\u00ebse operojn\u00eb bazuar n\u00eb ekonomin\u00eb e tregut t\u00eb lir\u00eb. Megjithat\u00eb Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs (BQK), e rregullon me legjislacion p\u00ebrkat\u00ebs secil\u00ebn fush\u00eb dhe i mbik\u00ebqyr nga af\u00ebr se a jan\u00eb duke e zbatuar k\u00ebt\u00eb legjislacion. P\u00ebr t\u2019i informuar konsumator\u00ebt lidhur me \u00e7mimet e produkteve dhe sh\u00ebrbimeve, institucionet financiare n\u00eb baz\u00eb t\u00eb udh\u00ebzimeve t\u00eb BQK-s\u00eb, obligohen t'i publikojn\u00eb \u00e7mimoret e produkteve dhe sh\u00ebrbimeve financiare. T\u00eb gjitha bankat (institucionet kredidh\u00ebn\u00ebse) jan\u00eb t\u00eb obliguara t\u00eb publikojn\u00eb list\u00ebn e \u00e7mimeve t\u00eb t\u00eb gjitha tarifave p\u00ebr t\u00eb gjitha produktet dhe sh\u00ebrbimet q\u00eb ato ofrojn\u00eb dhe q\u00eb t\u00eb sigurohen q\u00eb \u00e7do deg\u00eb dhe nj\u00ebsi e tyre mban\u00eb n\u00eb \u00e7do koh\u00eb listat e tilla t\u00eb \u00e7mimeve t\u00eb printuara, si dhe t\u2019i publikoj\u00eb edhe n\u00eb faqen zyrtare t\u00eb bank\u00ebs. P\u00ebr m\u00eb shum\u00eb shkarko\u00a0<strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Modeli-2021.pdf\">broshur\u00ebn<\/a><\/strong><\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-12\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Fondi i Sigurimit t\u00eb Depozitave n\u00eb Kosov\u00eb (FSDK) \u00ebsht\u00eb nj\u00eb institucion i pavarur i themeluar me q\u00ebllim t\u00eb mbrojtjes s\u00eb depozitor\u00ebve t\u00eb vegj\u00ebl nga humbja n\u00eb rast t\u00eb revokimit t\u00eb licenc\u00ebs dhe mbylljes s\u00eb bank\u00ebs, si dhe t\u00eb mb\u00ebshtes\u00eb Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs n\u00eb arritjen e q\u00ebllimit t\u00eb saj p\u00ebr rritjen e siguris\u00eb, solvenc\u00ebs dhe funksionimit efikas t\u00eb nj\u00eb sistemi stabil, t\u00eb bazuar n\u00eb ekonomin\u00eb e tregut.<\/p><p>N\u00eb p\u00ebrgjith\u00ebsi, nj\u00eb depozit\u00eb do t\u00eb thot\u00eb nj\u00eb shum\u00eb e parave t\u00eb paguara nga nj\u00eb depozituesi n\u00eb bank\u00eb, me kusht q\u00eb ajo do t\u00eb paguhet n\u00eb m\u00ebnyr\u00eb t\u00eb plot\u00eb nga banka, me ose pa interes, qoft\u00eb me k\u00ebrkes\u00eb ose n\u00eb nj\u00eb koh\u00eb t\u00eb dakorduar, sipas\u00a0 kushteve ligjore dhe kontraktuale t\u00eb zbatueshme.<\/p><p>Produktet tipike t\u00eb depozitave bankare t\u00eb ofruara nga bankat q\u00eb jan\u00eb siguruara nga FSDK jan\u00eb depozita pa afatizim (llogari rrjedh\u00ebse), llogarit\u00eb e kursimeve dhe depozitat me afat.<\/p><p>Aktualisht, depozituesit jan\u00eb t\u00eb siguruar, p\u00ebr secil\u00ebn bank\u00eb an\u00ebtare, deri n\u00eb shum\u00ebn e siguruar prej:\u00a0\u00a0<strong>EUR 5,000<\/strong><\/p><p>Nj\u00eb depozitues do t\u00eb ket\u00eb llogarit\u00eb e depozitave t\u00eb tij t\u00eb siguruar n\u00eb t\u00eb gjitha bankat q\u00eb jan\u00eb an\u00ebtar\u00eb t\u00eb FSDK-s\u00eb deri n\u00eb shum\u00ebn maksimale t\u00eb kompensimit prej 5,000 euro. P\u00ebr shembull: Nj\u00eb depozituesi i siguruar ka llogarit\u00eb n\u00eb dy banka (banka A dhe banka B) i ka depozita t\u00eb veta t\u00eb siguruara n\u00eb k\u00ebto dy banka, p\u00ebrkat\u00ebsisht n\u00eb bank\u00ebn A: deri n\u00eb 5,000 euro dhe n\u00eb Bank\u00ebn B: deri n\u00eb 5,000 euro.\u00a0 Shih\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/fsdk-shqip.pdf\">Flet\u00ebpalosjen<\/a>\u00a0informative mbi sigurimin e depozitave p\u00ebr depozituesin:<\/p><p>M\u00eb shum\u00eb Infomata rreth FSDK, referojuni web faqes se tyre\u00a0<a href=\"http:\/\/www.fsdk.org\/\">http:\/\/www.fsdk.org\/<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-2-13\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Fondi Kosovar p\u00ebr Garanci Kreditore \u00ebsht\u00eb institucion i pavarur dhe i q\u00ebndruesh\u00ebm q\u00eb l\u00ebshon garanci institucioneve financiare p\u00ebr t\u00eb mbuluar rrezikun p\u00ebr kredit\u00eb e nd\u00ebrmarrjeve mikro, t\u00eb vogla dhe t\u00eb mesme (NMVM-t\u00eb).<\/p><p>FKGK \u00ebsht\u00eb themeluar n\u00eb janar t\u00eb vitit 2016, bazuar ne Ligjin p\u00ebr Themelimin e Fondit Kosovar p\u00ebr Garanci Kreditore. Q\u00ebllimi i FKGK-s\u00eb \u00ebsht\u00eb t\u00eb p\u00ebrkrah\u00eb sektorin privat n\u00eb Kosov\u00eb, duke zgjeruar qasjen n\u00eb financa p\u00ebr NMVM-t\u00eb, duke mund\u00ebsuar k\u00ebshtu edhe krijimin e vendeve t\u00eb pun\u00ebs, rritjen e prodhimit vendor, p\u00ebrmir\u00ebsimin e bilancit tregtar dhe avancimin e mund\u00ebsive p\u00ebr sektor\u00ebt ekonomik\u00eb m\u00eb pak t\u00eb sh\u00ebrbyer.<\/p><p>Ligji themelues i FKGK-s\u00eb \u00ebsht\u00eb iniciuar nga Ministria e Tregtis\u00eb dhe Industris\u00eb, nd\u00ebrsa zhvillimi i tij \u00ebsht\u00eb p\u00ebrkrahur nga USAID n\u00eb Kosov\u00eb, p\u00ebrmes Programit EMPOWER p\u00ebr Mbeshtetje e Kredis\u00eb (ECS). Ligji ka hyr\u00eb n\u00eb fuqi m\u00eb 23 janar 2016. P\u00ebr m\u00eb shum\u00eb\u00a0informata referojuni faqes s\u00eb tyre:\u00a0\u00a0<a href=\"http:\/\/www.fondikgk.org\/sq\/Ballina\">http:\/\/www.fondikgk.org\/sq\/Ballina<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-3\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-3-0\">\r\n\t\t\t\t\t\t\t\t\tParaja n\u00eb qarkullim n\u00eb Kosov\u00eb\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-3-1\">\r\n\t\t\t\t\t\t\t\t\tM\u00ebso m\u00eb shum\u00eb p\u00ebr tiparet e siguris\u00eb s\u00eb kart\u00ebmonedhave Euro\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-3-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Valuta q\u00eb p\u00ebrdoret n\u00eb Kosov\u00eb \u00ebsht\u00eb euroja.<br \/><br \/>Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs \u00ebsht\u00eb p\u00ebrgjegj\u00ebse p\u00ebr sigurimin e nj\u00eb furnizimi t\u00eb duhur me monedha dhe kart\u00ebmonedha euro, p\u00ebr kryerjen e transaksioneve me para t\u00eb gatshme n\u00eb ekonomi. Meq\u00eb euroja \u00ebsht\u00eb valuta kryesore e lejuar p\u00ebr p\u00ebrdorim n\u00eb Kosov\u00eb, p\u00ebrgjegj\u00ebsit\u00eb e Bank\u00ebs Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs lidhur me operacionet dhe menaxhimin e parave t\u00eb gatshme kan\u00eb t\u00eb b\u00ebjn\u00eb me euron.<br \/><br \/>M\u00eb shum\u00eb rreth paras\u00eb n\u00eb qarkullim n\u00eb Kosov\u00eb: <a href=\"https:\/\/bqk-kos.org\/operacionet-bankare\/paraja-ne-qarkullim\/\">https:\/\/bqk-kos.org\/operacionet-bankare\/paraja-ne-qarkullim\/<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-3-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>- <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/5E_Tiparet_e_sigurise-1.pdf\">Kart\u00ebmonedha<\/a> 5E<br \/><strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/5E_Tiparet_e_sigurise_europa-1.pdf\">- Kart\u00ebmonedha<\/a>\u00a05E (e re)<br \/><\/strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/10E_Tiparet_e_sigurise-1.pdf\"><strong>- Kart\u00ebmonedha 10E<\/strong><\/a><br \/><strong>- <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/10E_Tiparet_e_sigurise_seria_EUROPA-1.pdf\">Kart\u00ebmonedha<\/a> 10E (e re)<br \/><\/strong><strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/20E_Tiparet_e_sigurise_AL-1.pdf\">- Kart\u00ebmonedha 20E<\/a><br \/><\/strong><strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/50E_Tiparet_e_sigurise.1.pdf\">- Kart\u00ebmonedha<\/a>\u00a050<br \/><\/strong><strong><a href=\"https:\/\/env2.bqk-kos.org\/edu\/wp-content\/uploads\/2017\/06\/100E_Tiparet_e_sigurise.pdf\">- Kart\u00ebmonedha<\/a> 100E<br \/><\/strong><strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/100E_Tiparet_e_sigurise-1-2.pdf\">- Kart\u00ebmonedha\u00a0 200E<\/a><br \/><\/strong><strong><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/200E_Tiparet_e_sigurise-1.pdf\">- Kart\u00ebmonedha 500E<\/a><\/strong><\/p><p><strong>- <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/500E_Tiparet_e_sigurise-1.pdf\">Tiparet e siguris\u00eb s\u00eb kart\u00ebmonedhave euro<\/a><\/strong><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-4\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-0\">\r\n\t\t\t\t\t\t\t\t\tRegjistri i Kredive n\u00eb Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-1\">\r\n\t\t\t\t\t\t\t\t\tBroshur\u00eb Informative\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-2\">\r\n\t\t\t\t\t\t\t\t\tBroshur\u00eb p\u00ebr Regjistrin Kreditor\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-3\">\r\n\t\t\t\t\t\t\t\t\tBroshur\u00eb p\u00ebr Raportin Kreditor\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-4-4\">\r\n\t\t\t\t\t\t\t\t\tBroshur\u00eb p\u00ebr Portalin Kreditor\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><div>Duke filluar nga sot, 5 qershor 2017, Sistemi i Regjistrit t\u00eb Kredive t\u00eb Kosov\u00ebs (RKK) q\u00eb p\u00ebrdoret nga bankat dhe institucionet mikrofinanciare \u00ebsht\u00eb z\u00ebvend\u00ebsuar me nj\u00eb sistem t\u00eb ri. Ky sistem \u00ebsht\u00eb i zhvilluar sipas standardeve dhe teknologjis\u00eb s\u00eb fundit t\u00eb fush\u00ebs s\u00eb raportimit kreditor. RKK \u00ebsht\u00eb v\u00ebn\u00eb n\u00eb funksion p\u00ebr her\u00eb t\u00eb par\u00eb n\u00eb vitin 2006 me q\u00ebllim q\u00eb t\u00eb ofroj n\u00eb dispozicion informatat mbi kredit\u00eb dhe kredimarr\u00ebsit p\u00ebr bankat komerciale, institucionet \u00a0mikro financiare dhe kompanit\u00eb e sigurimeve.<\/div><div>Lansimi i verzionit t\u00eb ri t\u00eb RKK-s\u00eb \u00ebsht\u00eb si rezultat i pun\u00ebs nj\u00eb vje\u00e7are nga stafi i BQK-s\u00eb n\u00eb bashk\u00ebpunim t\u00eb ngusht\u00eb me institucionet financiare n\u00eb Kosov\u00eb. Sistemi i ri i\u00a0RKK-s\u00eb ka marr\u00eb n\u00eb konsiderat\u00eb k\u00ebrkesat e reja n\u00eb tregun e kredive dhe praktikat m\u00eb t\u00eb mira t\u00eb standardeve nd\u00ebrkomb\u00ebtare n\u00eb fush\u00ebn e kredive.<\/div><div>Sistemi i ri i RKK-s\u00eb siguron m\u00eb shum\u00eb informacione p\u00ebr aktivitetin kreditor. Shtimi i fushave t\u00eb reja p\u00ebr raportim \u00ebsht\u00eb b\u00ebr\u00eb duke marr\u00eb n\u00eb konsiderat\u00eb k\u00ebrkesat nga Fondi\u00a0Kosovar p\u00ebr Garanci Kreditore (FKGK), institucionet financiare dhe nga departamente t\u00eb ndryshme t\u00eb BQK-s\u00eb. Informatat e reja ndihmojn\u00eb FKGK-n\u00eb n\u00eb menaxhimin dhe rregullimin proporcional t\u00eb rrezikut t\u00eb p\u00ebrshkall\u00ebzuar p\u00ebr produktet dhe sh\u00ebrbimet q\u00eb ofrohen sipas Ligjit mbi themelimin e FKGK-s\u00eb.<\/div><div>Informatat e reja gjithashtu u mund\u00ebsojn\u00eb institucioneve kredi-dh\u00ebn\u00ebse t\u00eb ken\u00eb nj\u00eb pasqyr\u00eb m\u00eb t\u00eb qart\u00eb mbi aft\u00ebsin\u00eb kthyese t\u00eb klient\u00ebve t\u00eb tyre dhe p\u00ebrgjegj\u00ebsin\u00eb mbi obligimet financiare p\u00ebr \u00e7do k\u00ebrkues kreditor. P\u00ebr m\u00eb shum\u00eb, k\u00ebto informacione do p\u00ebrdoren nga BQK-ja n\u00eb aspektin e mbik\u00ebqyrjes bankare gjat\u00eb procesit t\u00eb monitorimit dhe ekzaminimit. K\u00ebto informata i mund\u00ebsojn\u00eb BQK-s\u00eb t\u00eb gjeneroj raporte t\u00eb reja p\u00ebr aktivitetin kreditor dhe t\u00eb publikoj m\u00eb shum\u00eb tabela p\u00ebr aktivitetin kreditor. BQK-ja planifikon t\u00eb zgjeroj gam\u00ebn e statistikave me tabela t\u00eb reja n\u00eb baz\u00eb t\u00eb shum\u00eb parametrave, si p.sh. kredit\u00eb e reja p\u00ebrgjat\u00eb periudhave, numri i kredi-marr\u00ebsve t\u00eb rinj, numri\u00a0i kredive n\u00eb baz\u00eb t\u00eb komunave, kredit\u00eb e aprovuara p\u00ebr bizneset n\u00eb pron\u00ebsi t\u00eb grave, kreditimi i bizneseve n\u00eb baz\u00eb t\u00eb madh\u00ebsis\u00eb s\u00eb biznesit, kreditimi i bizneseve sipas sektor\u00ebve, etj.<\/div><div>Sistemi i ri i RKK-s\u00eb mund\u00ebson zhvillimin e \u201cweb-service-ve\u201d p\u00ebrmes t\u00eb cilave mund t\u00eb realizohet nd\u00ebrlidhja e RKK-s\u00eb me sistemet e institucioneve kredi-dh\u00ebn\u00ebse. Zgjerimi i\u00a0funksionaliteteve p\u00ebrmes t\u00eb cilave \u00ebsht\u00eb mund\u00ebsuar hulumtim i p\u00ebrnj\u00ebhersh\u00ebm i nj\u00eb v\u00ebllimi t\u00eb madh t\u00eb raporteve kreditore. Me k\u00ebt\u00eb rast \u00ebsht\u00eb avancuar procesi p\u00ebr industrin\u00eb\u00a0kredi-dh\u00ebn\u00ebse n\u00eb aspektin e monitorimit t\u00eb rregullt t\u00eb portfolios kreditore konform rregull\u00ebs p\u00ebr menaxhimin e rrezikut kreditor.<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/20170605115446956.jpg\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Regjistri\u00a0i Kredive t\u00eb Kosov\u00ebs (p\u00ebr m\u00eb shum\u00eb kliko\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/RKK-Broshure-Informative.pdf\">broshur\u00ebn<\/a>)<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Paguaj me koh\u00eb, p\u00ebrmir\u00ebso raportin kreditor (<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/USAID-BQK-leaflet-ALB.pdf\">p\u00ebr m\u00eb shum\u00eb shkarko broshur\u00ebn<\/a>)<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-3\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>P\u00ebrshkrimi\u00a0i Raportit Kreditor (<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/3_Pershkrimi-i-raportit-kreditor-RAPORTI_AL.pdf\">p\u00ebr m\u00eb shum\u00eb shkarko broshur\u00ebn<\/a>)<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-4-4\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Raporti Kreditor p\u00ebrmes Internetit (<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/4Raporti-Kreditor-permes-internetit-PORTAL-ALB.pdf\">p\u00ebr m\u00eb shum\u00eb shkarko broshur\u00ebn<\/a>)<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-5\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-0\">\r\n\t\t\t\t\t\t\t\t\tKushtet e p\u00ebrgjithshme t\u00eb polic\u00ebs s\u00eb sigurimit t\u00eb detyruesh\u00ebm nga autop\u00ebrgjegj\u00ebsia -TPL\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-1\">\r\n\t\t\t\t\t\t\t\t\tRoli dhe r\u00ebnd\u00ebsia e sigurimeve\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-2\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Sigurimi?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-3\">\r\n\t\t\t\t\t\t\t\t\tCilat jane llojet e Sigurimit\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-4\">\r\n\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Sistemi Bonus-Malus?\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-5\">\r\n\t\t\t\t\t\t\t\t\tInformata t\u00eb p\u00ebrgjitheshme p\u00ebr sigurimet\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-6\">\r\n\t\t\t\t\t\t\t\t\tPyetjet e shpeshta \u2013 Siguruesit\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-5-7\">\r\n\t\t\t\t\t\t\t\t\tPyetjet e shpeshta \u2013 Nd\u00ebrmjet\u00ebsues t\u00eb sigurimeve\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/web-tpl-300x300-1.png\" alt=\"web-tpl-300x300\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/TPL-broshura.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tKushtet e p\u00ebrgjithshme t\u00eb POLIC\u00cbS S\u00cb sigurimit\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><strong>Historiku, roli dhe r\u00ebnd\u00ebsia e sigurimeve<br \/><\/strong><br \/>Sigurimi daton nga koha antike, n\u00eb m\u00ebnyra e forma t\u00eb ndryshme.<br \/>Format e para t\u00eb sigurimit i hasim n\u00eb bashk\u00ebsin\u00eb e hershme njer\u00ebzore brenda fisit dhe m\u00eb von\u00eb familjes.\u00a0 P\u00ebr m\u00eb shum\u00eb shkarko <a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/Artikulli-per-Sigurimet-2.pdf\">artikullin<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-2\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Marrja e sigurimit \u00ebsht\u00eb nj\u00eb proces me t\u00eb cilin nj\u00eb person, i quajtur mbajt\u00ebs i polic\u00ebs, n\u00eb k\u00ebmbim t\u00eb nj\u00eb pagese i kalon nj\u00eb kompanie t\u00eb sigurimit rrezikun e humbjes q\u00eb do t\u00eb donte ta shmangte, e cila quhet Primi Sigurimit. Njer\u00ebzit p\u00ebrdorin sigurimin p\u00ebr t'u mbrojtur nga rreziku i humbjes s\u00eb mundshme por t\u00eb pasigurt. Mbajt\u00ebsi i polic\u00ebs zotohet p\u00ebr nj\u00eb kosto t\u00eb ditur (primi) n\u00eb k\u00ebmbim q\u00eb kompania e kontraktuar e sigurimeve t\u00eb mbuloj\u00eb shpenzimet m\u00eb t\u00eb m\u00ebdha, n\u00eb rast t\u00eb nj\u00eb ngjarje t\u00eb pad\u00ebshirueshme. M\u00eb shum\u00eb shkarko fletushk\u00ebn bashk\u00ebngjitur m\u00eb posht\u00eb.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Sigurimet.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Sigurimi?\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-3\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><div>Llojet e Sigurimit: ka shum\u00eb lloje t\u00eb ndryshme t\u00eb sigurimit. Njer\u00ebzit mund t\u00eb sigurohen kund\u00ebr pothuajse \u00e7do rreziku t\u00eb mundsh\u00ebm - me nj\u00eb \u00e7mim. M\u00eb posht\u00eb jan\u00eb kat\u00ebr llojet kryesore t\u00eb sigurimit q\u00eb shumica e njer\u00ebzve i konsiderojn\u00eb dhe rreziqet kryesor q\u00eb jan\u00eb duke u siguruar ndaj secil\u00ebs prej tyre.<\/div><div>Llojet e Sigurimit \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Lloji i rrezikut t\u00eb mbuluar<\/div><div>Sigurimi i jet\u00ebs \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Vdekje e hershme<\/div><div>Sigurimi i automjeteve \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Aksident apo vjedhje<\/div><div>Sigurimi i pron\u00ebs \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0Zjarr apo d\u00ebme t\u00eb tjera t\u00eb pron\u00ebs<\/div><div>Sigurimi i aksidenteve dhe sh\u00ebndet\u00ebsore \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0N\u00eb rast t\u00eb s\u00ebmundjes dhe aksidentit personal<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Sigurimet.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Sigurimi?\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-4\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><strong>Sistemi Bonus-Malus<\/strong>\u00a0\u00ebsht\u00eb nj\u00eb sistem i cili rregullon nivelin e primit t\u00eb sigurimit t\u00eb automjetit, bazuar n\u00eb historin\u00eb e k\u00ebrkesave t\u00eb t\u00eb siguruarit.<\/p><p>\u00c7do i siguruar n\u00eb Kosov\u00eb (mbajt\u00ebs i polic\u00ebs), i cili ka nj\u00eb kontrat\u00eb (polis\u00eb) t\u00eb sigurimit t\u00eb\u00a0 detyruesh\u00ebm t\u00eb automjeteve me afat p\u00ebr t\u00eb pakt\u00ebn nj\u00eb vit ka t\u00eb drejt\u00eb e bonus-malus. T\u00eb gjith\u00eb mbajt\u00ebsit e polisave t\u00eb cil\u00ebt nuk kan\u00eb shkaktuar aksidente brenda nj\u00eb viti do t\u00eb p\u00ebrfitojn\u00eb nga bonusi i cili do t\u00eb zvog\u00ebloj nivelin e primit t\u00eb sigurimit t\u00eb tyre p\u00ebr vitin e ardhsh\u00ebm. M\u00eb shum\u00eb shkarko fletushk\u00ebn.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/bonus-malus-pdf-shqip-korrigjuar.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\u00c7ka \u00ebsht\u00eb Sistemi Bonus-Malus?\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-5\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/broshura-e-sigurimeve.pdf\">Informata t\u00eb p\u00ebrgjitheshme p\u00ebr sigurimet<\/a><\/p><p>Broshur\u00eb\u00a0\u00a0p\u00ebr sigurimet, \u00e7ka jan\u00eb, \u00e7far\u00eb t\u00eb dijm\u00eb dhe\u00a0 cilat jan\u00eb llojet e tyre.<\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-image-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/broshura.4.jpg\" alt=\"\">\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-6\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>P\u00ebr te m\u00ebsuar disa nga pyetjet m\u00eb t\u00eb shpeshta rreth siguruesit , shkarko dokumentin.<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Pyetjet-e-shpeshta-Siguruesit.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tPyetjet e shpeshta \u2013 Siguruesit\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-5-7\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>P\u00ebr t\u00eb m\u00ebsuar disa nga pyetjet m\u00eb t\u00eb shpeshta p\u00ebr licencimin e nd\u00ebrmjet\u00ebsuesve n\u00eb sigurime, shkarko dokumentin.<\/p><div class=\"produktet-data\">\u00a0<\/div><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"product-pdf-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Subtabs content\" href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Pyetjet-e-shpeshta-Ndermjetesuese-te-sigurimeve.pdf\" target=\"_blank\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"title-pdf\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"document-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18528\" data-name=\"Path 18528\" d=\"M150.857,98.286V96H144v11.428h2.286v-4.571h3.429v-2.286h-3.429V98.286Z\" transform=\"translate(-118.857 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18529\" data-name=\"Path 18529\" d=\"M94.571,107.428H90V96h4.571A3.432,3.432,0,0,1,98,99.429V104A3.432,3.432,0,0,1,94.571,107.428Zm-2.286-2.286h2.286A1.144,1.144,0,0,0,95.714,104V99.429a1.144,1.144,0,0,0-1.143-1.143H92.286Z\" transform=\"translate(-75.143 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18530\" data-name=\"Path 18530\" d=\"M41.714,96H36v11.428h2.286V104h3.429A2.289,2.289,0,0,0,44,101.714V98.286A2.288,2.288,0,0,0,41.714,96Zm-3.429,5.714V98.286h3.429v3.429Z\" transform=\"translate(-31.429 -80)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<path id=\"Path_18531\" data-name=\"Path 18531\" d=\"M34.857,25.712V21.141a1.04,1.04,0,0,0-.343-.8l-8-8a1.039,1.039,0,0,0-.8-.343H14.286A2.293,2.293,0,0,0,12,14.284V41.712A2.286,2.286,0,0,0,14.286,44H32.571V41.712H14.286V14.284h9.143v6.857a2.293,2.293,0,0,0,2.286,2.286h6.857v2.286Zm-9.143-4.571v-6.4l6.4,6.4Z\" transform=\"translate(-12 -11.998)\" fill=\"#fff\"><\/path>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tPyetjet e shpeshta \u2013 Nd\u00ebrmjet\u00ebsues t\u00eb sigurimeve\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<svg id=\"download-pdf\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19.6\" height=\"17.6\" viewBox=\"0 0 19.6 17.6\">\r\n                    \t\t\t\t\t\t\t\t\t<path id=\"Path_124\" data-name=\"Path 124\" d=\"M12,13V4M6,14H4a1,1,0,0,0-1,1v4a1,1,0,0,0,1,1H20a1,1,0,0,0,1-1V15a1,1,0,0,0-1-1H18M16,9l-4,5L8,9m10,8h.01\" transform=\"translate(-2.2 -3.2)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.6\"><\/path>\r\n                \t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tShkarko\t\t\t\t\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"products-box-content\" id=\"product-6\" style=\"display: none;\">\r\n\t\t\t\t\t<div class=\"products-subtab-wrapper\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-6-0\">\r\n\t\t\t\t\t\t\t\t\tSistemi Pensional n\u00eb Kosov\u00eb\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button aria-label=\"Subtab\" class=\"product-subtab\" data-subtab=\"subtab-6-1\">\r\n\t\t\t\t\t\t\t\t\tLigji p\u00ebr Fondet Pensionale t\u00eb Kosov\u00ebs\t\t\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t<div class=\"products-content\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-6-0\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p><strong>Rregullimi i sistemit pensional<br \/><br \/><\/strong>Bazuar n\u00eb Ligjin nr. 04\/L-101 p\u00ebr Fondet Pensionale n\u00eb Kosov\u00eb, sistemi pensional n\u00eb Kosov\u00eb \u00ebsht\u00eb i ndar\u00eb n\u00eb tri shtylla:<br \/><br \/><strong>Shtylla e par\u00eb<\/strong>: Pensioni bazik \u00ebsht\u00eb pension q\u00eb Administrata Pensionale (n\u00eb kuad\u00ebr t\u00eb Ministris\u00eb s\u00eb Pun\u00ebs dhe Mir\u00ebqenies Sociale) ua paguan t\u00eb gjith\u00eb banor\u00ebve t\u00eb p\u00ebrhersh\u00ebm t\u00eb Kosov\u00ebs q\u00eb e kan\u00eb arritur mosh\u00ebn e pensionimit.<br \/><br \/><strong>Shtylla e dyt\u00eb: \u00a0<\/strong>Pensionet individuale t\u00eb kursimeve q\u00eb i siguron Fondi i Kursimeve \u00a0Pensionale t\u00eb Kosov\u00ebs. Fondi i Kursimeve Pensionale \u00ebsht\u00eb themeluar me q\u00ebllimin e vet\u00ebm dhe ekskluziv t\u00eb administrimit dhe menaxhimit t\u00eb llogarive individuale p\u00ebr pensionet e bazuara n\u00eb kursime.<br \/><br \/>Bazuar n\u00eb Ligjin aktual nr.04\/L-101 p\u00ebr Fondet Pensionale t\u00eb Kosov\u00ebs, \u00e7do pun\u00ebdh\u00ebn\u00ebs \u00ebsht\u00eb\u00a0i obliguar q\u00eb t\u00eb kontribuoj\u00eb n\u00eb em\u00ebr t\u00eb punonj\u00ebsve t\u00eb vet n\u00eb FKPK, si dhe punonj\u00ebsi obligohet t\u00eb kontribuoj\u00eb n\u00eb emrin e vet.<br \/><br \/><strong>Shtylla e tret\u00eb<\/strong>: Fondet plot\u00ebsuese pensionale t\u00eb pun\u00ebdh\u00ebn\u00ebsit,<br \/><br \/>Fondet Plot\u00ebsuese Individuale<br \/><br \/>Dy shtyllat e para jan\u00eb pensione obligative, Pensionet baz\u00eb q\u00eb i siguron Ministria e Pun\u00ebs dhe Mir\u00ebqenies Sociale dhe Pensionet individuale t\u00eb kursimeve i siguron Fondi i Kursimeve Pensionale t\u00eb Kosov\u00ebs.<br \/><br \/>Shtylla e tret\u00eb, Fondet Plot\u00ebsuese Pensionale t\u00eb Pun\u00ebdh\u00ebn\u00ebsit dhe Pensionet Plot\u00ebsuese Individuale, jan\u00eb fonde vullnetare ku pun\u00ebdh\u00ebn\u00ebsit mund t\u00eb sigurojn\u00eb p\u00ebr punonj\u00ebsit e tyre pensione plot\u00ebsuese, por edhe individ\u00ebt mund t\u00eb sigurojn\u00eb pensione plot\u00ebsuese individuale p\u00ebrmes pensioneve plot\u00ebsuese individuale.<br \/><br \/><em><strong>Mjetet nuk mund t\u00eb t\u00ebrhiqen deri n\u00eb mosh\u00ebn e pensionimit, e mosha e pensionimit \u00ebsht\u00eb 65 vje\u00e7are.<\/strong><\/em><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"products-subtab-content\" id=\"subtab-6-1\" style=\"display: none;\">\r\n\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<p><p>Infomata m\u00eb te detajuara rreth secil\u00ebs shtyll\u00eb pnesionale n\u00eb Kosov\u00eb mund t\u00eb gjeni n\u00eb Ligjin p\u00ebr Fondet Pnesionale t\u00eb Kosov\u00ebs kliko\u00a0<a href=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/10\/Ligji-per-Fondet-Pensionale.pdf\">k\u00ebtu<\/a><\/p><\/p>\r\n\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\r\n\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5ef15c shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"c5ef15c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb788e elementor-widget-mobile__width-inherit elementor-widget elementor-widget-ef_faq\" data-id=\"4eb788e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef_faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-faq\">\r\n\t\t\t<div class=\"image-wrapper\">\r\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/11\/IMG_6898.jpg\" alt=\"\">\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"content\">\r\n\t\t\t\t<h1 class=\"title\" id=\"edukimi-financiar-per-te-rinjte\">Edukimi Financiar p\u00ebr t\u00eb rinjt\u00eb<\/h1>\r\n\t\t\t\t<p class=\"subtitle\"><\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"internship\">Internship<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>P\u00ebrvoja Praktike: Nj\u00eb mund\u00ebsi unike p\u00ebr t\u00eb rinjt\u00eb e Kosov\u00ebs t\u00eb zhvillojn\u00eb aft\u00ebsi praktike financiare pran\u00eb ekspert\u00ebve t\u00eb BQK-s\u00eb.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/internship\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"foto-video-galeria\">Foto-video galeria<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>Nj\u00eb udh\u00ebtim vizual p\u00ebrmes aktiviteteve dhe ngjarjeve t\u00eb BQK-s\u00eb, duke ofruar nj\u00eb dritare n\u00eb bot\u00ebn e edukimit financiar.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/foto-video-galeria\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"per-studente\">P\u00ebr student\u00eb<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>P\u00ebr Student\u00ebt: Programet dhe aktivitetet q\u00eb hapin rrug\u00ebn drejt nj\u00eb t\u00eb ardhmeje t\u00eb suksesshme financiare p\u00ebr student\u00ebt universitar\u00eb.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-studente\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"per-nxenes\">P\u00ebr nx\u00ebn\u00ebs<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>P\u00ebr Nx\u00ebn\u00ebsit e Shkollave: Iniciativa q\u00eb edukojn\u00eb dhe fuqizojn\u00eb nx\u00ebn\u00ebsit me njohuri dhe aft\u00ebsi financiare p\u00ebr menaxhimin e parave.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-nxenes\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"cmimi-ekonomiste-te-rinje\">\u00c7MIMI - Ekonomist\u00eb t\u00eb rinj\u00eb<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>\u00c7mimi - Ekonomist\u00ebt e Rinj: Konkursi q\u00eb shp\u00ebrblen mendjet m\u00eb t\u00eb ndritura dhe idet\u00eb m\u00eb inovative n\u00eb fush\u00ebn e ekonomis\u00eb.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/cmimi-ekonomiste-te-rinje\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"ef-faq-accordion\">\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-title\">\r\n\t\t\t\t\t\t\t\t<h3 id=\"te-rinjte\">T\u00eb rinjt\u00eb<\/h3>\r\n\t\t\t\t\t\t\t\t<span>\r\n\t\t\t\t\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/span>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div class=\"ef-faq-accordion-content\">\r\n\t\t\t\t\t\t\t\t<p>P\u00ebr T\u00eb Rinjt\u00eb e Tjer\u00eb: Mund\u00ebsi dhe aktivitete q\u00eb zgjojn\u00eb interesin dhe zhvillojn\u00eb aft\u00ebsit\u00eb financiare p\u00ebr t\u00eb rinjt\u00eb jasht\u00eb sistemit arsimor formal.<\/p>\r\n\t\t\t\t\t\t\t\t<a alt=\"Accordion link\" href=\"\/edu\/per-te-rinjte-materiale\/\">Lexo m\u00eb shum\u00eb<\/a>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb7d610 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"cb7d610\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a0ad3d elementor-widget__width-inherit elementor-widget elementor-widget-materialet-edukative-hp\" data-id=\"3a0ad3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"materialet-edukative-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"materialet-edukative-widget\">\r\n            <div class=\"ef-materialet-title\">\r\n\t\t\t\t<div class=\"upper-title-wrapp\">\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t\t\t<h2 id=\"materialet-edukative\">Materialet Edukative<\/h2>\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"sub-text\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a alt=\"Education materials\" href=\"\/edu\/materialet-edukative\/\" class=\"color-link\">\r\n\t\t\t\t\t\t\t\t\tT\u00eb gjitha materialet\t\t\t\t\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"14\" viewBox=\"0 0 128 128\" width=\"14\"  xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t\t\t\t\t<path id=\"Right_Arrow_4_\" fill=\"#fff\" d=\"m44 108c-1.023 0-2.047-.391-2.828-1.172-1.563-1.563-1.563-4.094 0-5.656l37.172-37.172-37.172-37.172c-1.563-1.563-1.563-4.094 0-5.656s4.094-1.563 5.656 0l40 40c1.563 1.563 1.563 4.094 0 5.656l-40 40c-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<div class=\"navigation-buttons desktop\">\r\n\t\t\t\t\t\t<button aria-label=\"Previous\" class=\"prev-button\" disabled>\r\n\t\t\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"24\" viewBox=\"0 0 128 128\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t\t\t<path id=\"Left_Arrow_4_\" d=\"m84 108c-1.023 0-2.047-.391-2.828-1.172l-40-40c-1.563-1.563-1.563-4.094 0-5.656l40-40c1.563-1.563 4.094-1.563 5.656 0s1.563 4.094 0 5.656l-37.172 37.172 37.172 37.172c1.563 1.563 1.563 4.094 0 5.656-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t\t<button aria-label=\"Next\" class=\"next-button\">\r\n\t\t\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"24\" viewBox=\"0 0 128 128\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t\t\t<path id=\"Right_Arrow_4_\" d=\"m44 108c-1.023 0-2.047-.391-2.828-1.172-1.563-1.563-1.563-4.094 0-5.656l37.172-37.172-37.172-37.172c-1.563-1.563-1.563-4.094 0-5.656s4.094-1.563 5.656 0l40 40c1.563 1.563 1.563 4.094 0 5.656l-40 40c-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t\t\t<\/svg>\r\n\t\t\t\t\t\t<\/button>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n            <\/div>\r\n\r\n            <div class=\"materials-grid\">\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    20.03.2025                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"centi-yt\">Centi yt!<\/h3>\r\n                            <p class=\"description\"><\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/centi-yt\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    15.02.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"plani-i-bqk-se-per-zbatim-te-lehtesuar-te-rregullores-per-operacione-me-para-te-gatshme\">Plani i BQK-s\u00eb p\u00ebr zbatim t\u00eb leht\u00ebsuar t\u00eb Rregullores p\u00ebr Operacione me Para t\u00eb Gatshme<\/h3>\r\n                            <p class=\"description\">Plani i BQK-s\u00eb p\u00ebr zbatim t\u00eb leht\u00ebsuar t\u00eb Rregullores p\u00ebr Operacione me Para t\u00eb Gatshme...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/plani-i-bqk-se-per-zbatim-te-lehtesuar-te-rregullores-per-operacione-me-para-te-gatshme\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    15.02.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"pyetje-dhe-pergjigje-rregullorja-per-operacione-me-para-te-gatshme\">Pyetje dhe P\u00ebrgjigje- Rregullorja p\u00ebr Operacione me Para t\u00eb Gatshme<\/h3>\r\n                            <p class=\"description\">Pyetje dhe P\u00ebrgjigje- Rregullorja p\u00ebr Operacione me Para t\u00eb Gatshme -A \u00ebsht\u00eb ndaluar dinari? \u2013...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/pyetje-dhe-pergjigje-rregullorja-per-operacione-me-para-te-gatshme\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    15.02.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"plani-i-bqk-se-per-zbatim-te-lehtesuar-te-rregullores-per-operacione-me-para-te-gatshme\">Plani i BQK-s\u00eb p\u00ebr zbatim t\u00eb leht\u00ebsuar t\u00eb Rregullores p\u00ebr Operacione me Para t\u00eb Gatshme<\/h3>\r\n                            <p class=\"description\">Plani i BQK-s\u00eb p\u00ebr zbatim t\u00eb leht\u00ebsuar t\u00eb Rregullores p\u00ebr Operacione me Para t\u00eb Gatshme...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/rreth-remitencave\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    17.01.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"llogari-pagese-me-sherbime-bazike-video-informuese\">Llogari pagese me sh\u00ebrbime bazike- video informuese<\/h3>\r\n                            <p class=\"description\">Llogari pagese me sh\u00ebrbime bazike- video informuese Krijoni llogarin\u00eb tuaj bankare pa pages\u00eb ose me...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/llogari-pagese-me-sherbime-bazike-video-informuese\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    17.01.2024                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"monedha-2-euro-dhe-tiparet-e-sigurise\">Monedha 2 euro dhe tiparet e siguris\u00eb<\/h3>\r\n                            <p class=\"description\">Monedha 2 euro dhe tiparet e siguris\u00eb N\u00eb k\u00ebt\u00eb broshur\u00eb jan\u00eb shpalosur tiparet e siguris\u00eb...<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/monedha-2-euro-dhe-tiparet-e-sigurise\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    16.11.2023                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"tregu-i-sigurimeve-janar-shtator-2023\">Tregu i Sigurimeve janar- shtator 2023<\/h3>\r\n                            <p class=\"description\">Tregu i Sigurimeve janar- shtator 2023<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/tregu-i-sigurimeve-janar-shtator-2023\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                                    <div class=\"material-item\">\r\n                        <div class=\"material-item-content\">\r\n                            <div class=\"dis-flex\">\r\n                                <div class=\"date\">\r\n                                    19.10.2023                                <\/div>\r\n                            <\/div>\r\n                            <h3 class=\"title\" id=\"remitancat\">Remitancat<\/h3>\r\n                            <p class=\"description\">Remitancat<\/p>\r\n                            <a alt=\"Read more text\" href=\"https:\/\/bqk-kos.org\/edu\/materials\/remitancat\/\" class=\"read-more\">\r\n                                Lexo m\u00eb shum\u00eb                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n                                    <path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\" \/>\r\n                                <\/svg>\r\n                            <\/a>\r\n                        <\/div>\r\n                    <\/div>\r\n                            <\/div>\r\n\t\t\t<div class=\"navigation-buttons not-desktop\">\r\n\t\t\t\t<button aria-label=\"Previous\" class=\"prev-button\" disabled>\r\n\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"24\" viewBox=\"0 0 128 128\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t<path id=\"Left_Arrow_4_\" d=\"m84 108c-1.023 0-2.047-.391-2.828-1.172l-40-40c-1.563-1.563-1.563-4.094 0-5.656l40-40c1.563-1.563 4.094-1.563 5.656 0s1.563 4.094 0 5.656l-37.172 37.172 37.172 37.172c1.563 1.563 1.563 4.094 0 5.656-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\t\t\t\t<button aria-label=\"Next\" class=\"next-button\">\r\n\t\t\t\t\t<svg id=\"Layer_1\" enable-background=\"new 0 0 128 128\" height=\"24\" viewBox=\"0 0 128 128\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n\t\t\t\t\t\t<path id=\"Right_Arrow_4_\" d=\"m44 108c-1.023 0-2.047-.391-2.828-1.172-1.563-1.563-1.563-4.094 0-5.656l37.172-37.172-37.172-37.172c-1.563-1.563-1.563-4.094 0-5.656s4.094-1.563 5.656 0l40 40c1.563 1.563 1.563 4.094 0 5.656l-40 40c-.781.781-1.805 1.172-2.828 1.172z\" \/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/button>\r\n\t\t\t<\/div>\r\n        <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb5a0b4 shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"bb5a0b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-43581d1 e-con-full e-flex e-con e-child\" data-id=\"43581d1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-980a7d4 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"980a7d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/Rectangle-12-min.png');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tBiblioteka e Edukimit Financiar\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tZbuloni nj\u00eb koleksion t\u00eb gjer\u00eb librash edukativ\u00eb p\u00ebr f\u00ebmij\u00eb n\u00eb gjuh\u00ebn shqipe, serbe, turke dhe me z\u00eb, q\u00eb ndihmojn\u00eb t\u00eb vegjlit t\u00eb m\u00ebsojn\u00eb p\u00ebr financat n\u00eb m\u00ebnyr\u00eb arg\u00ebtuese dhe interaktive.                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/librat\/\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tEksploro librat                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5916e13 e-con-full e-flex e-con e-child\" data-id=\"5916e13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d380c8e elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"d380c8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/09\/Rectangle-9899-min.png');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tKontaktoni Edukimin Financiar\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tNa kontaktoni p\u00ebr informacione shtes\u00eb rreth programeve dhe sh\u00ebrbimeve tona rreth pjeses se edukative financiare. Jemi k\u00ebtu p\u00ebr t\u2019ju ndihmuar!Na kontaktoni Jemi k\u00ebtu p\u00ebr t\u2019ju ndihmuar!                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/kontakti\/\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tNa kontaktoni                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6cf865 e-con-full printable-area-overwrite e-flex e-con e-parent\" data-id=\"f6cf865\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb84c16 elementor-widget elementor-widget-split-section\" data-id=\"fb84c16\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"fin\" data-widget_type=\"split-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t  \r\n        <div class=\"shared-row-container d-flex-reverse\">\r\n                            <div class=\"img\">\r\n                    <img decoding=\"async\" src=\"https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/11\/bqk_08.png\" alt=\"\">\r\n                <\/div>\r\n                        <div class=\"text\">\r\n                <div>\r\n                                            <h1 class=\"widget-header\" id=\"edukimi-financiar-drejt-nje-te-ardhme-te-qendrueshme\">Edukimi Financiar: Drejt nj\u00eb t\u00eb Ardhme t\u00eb Q\u00ebndrueshme<\/h1>\r\n                                        \t\t\t\t\t\t<div class=\"widget-header-click\">\r\n\t\t\t\t\t\t\t<p>Edukimi Financiar \u00ebsht\u00eb iniciativa kryesore e Bank\u00ebs Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs (BQK), e cila ka p\u00ebr q\u00ebllim rritjen e njohurive financiare t\u00eb qytetar\u00ebve p\u00ebr t\u2019i fuqizuar ata n\u00eb marrjen e vendimeve t\u00eb informuara p\u00ebr produktet dhe sh\u00ebrbimet financiare, kursimet dhe investimet. P\u00ebrmes programeve edukative dhe burimeve t\u00eb pasura, ne kontribuojm\u00eb n\u00eb mir\u00ebqenien financiare t\u00eb publikut dhe stabilitetin e sistemit financiar t\u00eb Kosov\u00ebs. Ne angazhohemi t\u00eb krijojm\u00eb nj\u00eb kultur\u00eb t\u00eb fuqishme t\u00eb edukimit financiar, duke promovuar k\u00ebshtu nj\u00eb ekonomi m\u00eb t\u00eb fort\u00eb dhe t\u00eb q\u00ebndrueshme p\u00ebr t\u00eb gjith\u00eb.<\/p>\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t                <\/div>\r\n                <div class=\"split-section-link shared-arrow-link\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\t\t\r\n            <\/div>\r\n        <\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43b2134 shared-layout printable-area-overwrite e-con-full e-flex e-con e-parent\" data-id=\"43b2134\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bd39c4c e-con-full e-flex e-con e-child\" data-id=\"bd39c4c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d3e81 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"f0d3e81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/foto.jpg');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\tSi t\u2019i mbroni t\u00eb drejtat tuaja\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\t\nSi t\u2019i mbroni t\u00eb drejtat tuaja\nInstitucionet financiare q\u00eb jan\u00eb n\u00ebn mbik\u00ebqyrjen e BQK-s\u00eb kan\u00eb procedura standarde p\u00ebr shqyrtimin e ankesave [\u2026]                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/ankesat\/\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tLexo m\u00eb shum\u00eb                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9dcaa5a e-con-full e-flex e-con e-child\" data-id=\"9dcaa5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd18052 elementor-widget elementor-widget-ef-info-card-hp\" data-id=\"fd18052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ef-info-card-hp.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"ef-info-card\" style=\"background-image: url('https:\/\/bqk-kos.org\/edu\/wp-content\/uploads\/2024\/12\/foto1.jpg');\">\r\n\t\t\t<div class=\"ef-info-card-content\">\r\n\t\t\t\t<div class=\"ef-info-card-title\">\r\n\t\t\t\t\t \u00c7ka \u00ebsht\u00eb sistemi i pagesave?\t\t\t\t<\/div>\r\n\t\t\t\t<div class=\"ef-info-card-description\">\r\n\t\t\t\t\tN\u00eb bot\u00ebn moderne, pagesat nga nj\u00eb individ b\u00ebhen duke p\u00ebrdorur para t\u00eb gatshme, kartela ose transfere t\u00eb tjera bankare.  [\u2026]                 <\/div>\r\n\t\t\t\t<a alt=\"Info card\" href=\"\/edu\/sistemi-i-pagesave\/\" class=\"ef-info-card-link\">\r\n\t\t\t\t\tLexo m\u00eb shum\u00eb                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"7\" height=\"12\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#fff\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20d49c5 e-con-full shared-layout printable-area-overwrite e-flex e-con e-parent\" data-id=\"20d49c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4ae37e elementor-widget elementor-widget-title-section\" data-id=\"c4ae37e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"title-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"title-section  \"  data-target=\"pyetjet-me-te-shpeshta\">\r\n\t\t\t\t\t\t\t<h1 class=\"shared-title\" id=\"pyetjet-me-te-shpeshta\">Pyetjet m\u00eb t\u00eb shpeshta<\/h1>\r\n\t\t\t\t\r\n\t\t\t\t\t<\/div>\r\n\r\n\t\t<style>\r\n\t\t\t.title-section.no-title .shared-title {\r\n\t\t\t\tmargin-bottom: 0;\r\n\t\t\t}\r\n\r\n\t\t.title-section.has-subtitle .shared-title {\r\n\t\t\tmargin-bottom: max(12px, 0.833vw); \r\n\t\t}\r\n\r\n\r\n\t\t<\/style>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bddb06 elementor-widget elementor-widget-link\" data-id=\"1bddb06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"link.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<a alt=\"Read more\" href=\"\/edu\/pyetjet-me-te-shpeshta\/\" class=\"shared-arrow-link-edu\">M\u00eb shum\u00eb\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6.4\" height=\"11.4\" viewBox=\"0 0 6.4 11.4\">\r\n\t\t\t\t\t<path id=\"Union_2\" data-name=\"Union 2\" d=\"M10,7.5l-5,5ZM0,7.5l5,5Z\" transform=\"translate(-6.799 10.7) rotate(-90)\" fill=\"none\" stroke=\"#A34D8E\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"><\/path>\r\n\t\t\t\t<\/svg>\r\n\t\t\t<\/a>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-375170a e-con-full printable-area-overwrite accordions-edu-main-page e-flex e-con e-parent\" data-id=\"375170a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e05c8c0 elementor-widget__width-inherit elementor-widget elementor-widget-accordion\" data-id=\"e05c8c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2 id=\"si-mund-ta-kontaktoj-banken-qendrore-te-republikes-se-kosoves\">Si mund ta kontaktoj Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Bank\u00ebn Qendrore t\u00eb Republik\u00ebs s\u00eb Kosov\u00ebs mund t\u00eb kontaktoni:<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes e- mailit: info@bqk-kos.org\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"tel:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes Telefonit: 0383 38 222 055\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\tP\u00ebrmes post\u00ebs zyrtare n\u00eb adres\u00ebn: Rr. Garibaldi nr. 33 Prishtin\u00eb, Kosov\u00eb.\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5990ad2 elementor-widget__width-inherit elementor-widget elementor-widget-accordion\" data-id=\"5990ad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2 id=\"a-mund-te-hapi-llogari-apo-te-marre-kredi-ne-bqk\">A mund t\u00eb hapi llogari apo t\u00eb marr\u00eb kredi n\u00eb BQK?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p> Jo. Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs nuk \u00ebsht\u00eb bank\u00eb komerciale. Nuk ofron sh\u00ebrbime bankare, nuk hap llogari e as nuk pranon depozita p\u00ebr publikun e gjer\u00eb. BQK i licencon, mbik\u00ebqyr dhe rregullon institucionet financiare q\u00eb operojn\u00eb n\u00eb vend.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9efc74 elementor-widget__width-inherit elementor-widget elementor-widget-accordion\" data-id=\"d9efc74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2 id=\"cilat-jane-institucionet-financiare-qe-i-licencon-mbikeqyr-dhe-rregullon-bqk-ja\">Cilat jan\u00eb institucionet financiare q\u00eb i licencon, mbik\u00ebqyr dhe rregullon BQK-ja?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Banka Qendrore e Republik\u00ebs s\u00eb Kosov\u00ebs (BQK) ka p\u00ebrgjegj\u00ebsi ekskluzive p\u00ebr licencimin\/regjistrimin, mbik\u00ebqyrjen dhe rregullimin e institucioneve financiare: banka, sigurues, fonde pensionale, institucione mikrofinanciare, institucione financiare jobankare, nd\u00ebrmjet\u00ebsues n\u00eb sigurime, trajtues t\u00eb d\u00ebmeve si dhe subjekteve tjera juridike q\u00eb ushtrojn\u00eb veprimtari financiare si\u00e7 p\u00ebrcaktohet me legjislacionin n\u00eb fuqi n\u00eb Republik\u00ebn n\u00eb Kosov\u00ebs.\n\n<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>K\u00ebto jan\u00eb institucionet financiare t\u00eb licencuara\/regjistruara nga BQK p\u00ebr t\u00eb ushtruar veprimtari financiare n\u00eb Republik\u00ebn e Kosov\u00ebs: kliko<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89991cb elementor-widget__width-inherit elementor-widget elementor-widget-accordion\" data-id=\"89991cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"contact-accordion-wrapper ef\">\r\n\t\t\t<div class=\"contact-accordion-title\" data-style=\"yes\">\r\n\t\t\t\t<h2 id=\"si-mund-te-informohem-per-licencimin-e-nje-veprimtarie-financiare\">Si mund t\u00eb informohem p\u00ebr licencimin e nj\u00eb veprimtarie financiare?<\/h2>\r\n\t\t\t\t<span class=\"accordion-icon\">\r\n\t\t\t\t\t<svg class=\"icon-down\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.399\" height=\"9.4\" viewBox=\"0 0 17.399 9.4\">\r\n\t\t\t\t\t\t<path id=\"Union_7\" data-name=\"Union 7\" d=\"M16,0,8,8ZM0,0,8,8Z\" transform=\"translate(0.7 0.7)\" fill=\"none\" stroke=\"#1940af\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"1.4\"\/>\r\n\t\t\t\t\t<\/svg>\r\n\t\t\t\t<\/span>\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"contact-accordion-content\" style=\"display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>T\u00eb interesuarve p\u00ebr t\u2019u pajisur me licenc\u00eb p\u00ebr t\u00eb ushtruar veprimtari financiare n\u00eb Republik\u00ebn e Kosov\u00ebs, fillimisht iu sugjerohet t\u00eb lexojn\u00eb manualet p\u00ebrkat\u00ebse t\u00eb licencimit dhe pyetjet m\u00eb t\u00eb shpeshta pastaj duhet t\u00eb kontaktojn\u00eb direkt Departamentin e Licencimit dhe Standardizimit n\u00eb BQK p\u00ebr caktimin e takimit informues, i cili \u00ebsht\u00eb i obliguesh\u00ebm t\u00eb mbahet para fillimit t\u00eb procesit t\u00eb aplikimit.\n\n<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<p>P\u00ebr m\u00eb shum\u00eb informata referojuni faqes zyrtare t\u00eb BQK-s\u00eb p\u00ebrkat\u00ebsisht menus s\u00eb Licencimit Financiar: https:\/\/bqk-kos.org\/?id=117.<\/p>\r\n\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\t<ul class=\"contact-list\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<li>\r\n\t\t\t\t\t\t\t\t<a href=\"mailto:example@gmail.com\" alt=\"Accordion widget\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Edukimi Financiar: Informohu dhe merr vendime t\u00eb duhura financiare Programi i Edukimit Financiar i BQK-s\u00eb synon t\u00eb rris\u00eb njohurit\u00eb dhe aft\u00ebsit\u00eb financiare t\u00eb publikut, duke i ndihmuar ata t\u00eb marrin vendime t\u00eb informuara mbi produktet dhe sh\u00ebrbimet financiare, kursimet dhe investimet. P\u00ebrmes k\u00ebtij portali, ne kontribuojm\u00eb n\u00eb mir\u00ebqenien financiare t\u00eb qytetar\u00ebve dhe n\u00eb ruajtjen e [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ballina - BQK Edu<\/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:\/\/bqk-kos.org\/edu\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ballina - BQK Edu\" \/>\n<meta property=\"og:description\" content=\"Edukimi Financiar: Informohu dhe merr vendime t\u00eb duhura financiare Programi i Edukimit Financiar i BQK-s\u00eb synon t\u00eb rris\u00eb njohurit\u00eb dhe aft\u00ebsit\u00eb financiare t\u00eb publikut, duke i ndihmuar ata t\u00eb marrin vendime t\u00eb informuara mbi produktet dhe sh\u00ebrbimet financiare, kursimet dhe investimet. 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