{"id":605,"date":"2015-04-16T20:30:12","date_gmt":"2015-04-16T20:30:12","guid":{"rendered":"http:\/\/www.ahmadiyya-islam.org\/al\/?post_type=articles&p=605"},"modified":"2019-02-19T21:40:26","modified_gmt":"2019-02-19T21:40:26","slug":"interesi-dhe-verejtje-mbi-krizen-e-kredise-credit-crunch","status":"publish","type":"articles","link":"https:\/\/www.ahmadiyya-islam.org\/al\/artikuj\/interesi-dhe-verejtje-mbi-krizen-e-kredise-credit-crunch\/","title":{"rendered":"Interesi dhe v\u00ebrejtje mbi \u201cKriz\u00ebn e Kredis\u00eb\u201d (Credit Crunch)"},"content":{"rendered":"

Posht\u00eb sh\u00ebnim mbi Kriz\u00ebn e Kredis\u00eb, 2009<\/b>:<\/span><\/p>\n

\u00a0E ashtuquajtura \u201cKriza e Kredis\u00eb\u201d<\/i> globale (e p\u00ebrcaktuar si \u201cnj\u00eb sasi e munguar e theksuar e paras\u00eb apo kreditit\u201d) mendohet n\u00eb p\u00ebrgjith\u00ebsi t\u00eb ket\u00eb \u201cfilluar\u201d m\u00eb 9 gusht t\u00eb vitit 2007, kur shifrat shqet\u00ebsuese nga Banka Franceze Paribas BNP ngrit\u00ebn koston e kredis\u00eb dhe zgjuan komunitetin financiar p\u00ebr nj\u00eb seriozitet m\u00eb t\u00eb madh t\u00eb situat\u00ebs (shiko timeline<\/i> t\u00eb detajuar t\u00eb BBC-s\u00eb n\u00eb htp\\\\news.bbc.co.uk\\1business\\7521250.stm).<\/p>\n

P\u00ebrfund k\u00ebsaj kishte pasur nj\u00eb ngritje n\u00eb normat e interesit t\u00eb Shteteve t\u00eb Bashkuara nd\u00ebrmjet viteve 2004 dhe 2005 nga 1% n\u00eb 5.35% q\u00eb rezulton n\u00eb nivelet e larta t\u00eb mospagimit\u00a0 n\u00eb kufi t\u00eb \u201ck\u00ebstit t\u00eb kredis\u00eb\u201d, q\u00eb do t\u00eb thot\u00eb, kufi i rrezikut t\u00eb lart\u00eb t\u00eb tregut t\u00eb sht\u00ebpive t\u00eb banimit. Nga q\u00eb kreditor\u00ebt hipotekor\u00eb kishin shitur borxhet e tyre n\u00ebp\u00ebrmjet fondeve t\u00eb investimeve private t\u00eb siguruara n\u00eb institute t\u00eb tjera financiare, si pasoj\u00eb e pa p\u00ebrgjegj\u00ebsis\u00eb, huadh\u00ebnia u p\u00ebrhap me shpejt\u00ebsi p\u00ebrmes sistemeve bankare, ve\u00e7an\u00ebrisht n\u00eb Per\u00ebndim, duke qene se \u00e7mimet e sht\u00ebpive filluan t\u00eb bien dhe vlera themelore e pasuris\u00eb s\u00eb paluajtshme q\u00eb p\u00ebrforconte borxhet u b\u00eb negative. Kur Paribas BNP u tha investitor\u00ebve t\u00eb saj se ata nuk do t\u00eb mund t\u00eb t\u00ebrhiqnin para nga dy prej fondeve t\u00eb tyre p\u00ebr shkak t\u00eb nj\u00eb \u201czhdukje t\u00eb plot\u00eb t\u00eb likuiditetit\u201d, ishte nisja e nj\u00eb efekti domino, q\u00eb i detyroi qeverit\u00eb t\u00eb nd\u00ebrhyjn\u00eb dhe t\u00eb evitojn\u00eb v\u00ebrshimet potencialisht katastrofike n\u00eb bankat kryesore.<\/p>\n

Nga perspektiva e kumtes\u00ebs ton\u00eb mbi fajden\u00eb, t\u00eb cil\u00ebn ne tani e rishikojm\u00eb s\u00ebrish m\u00eb shum\u00eb se nj\u00eb dekade pas publikimit t\u00eb saj t\u00eb par\u00eb me 1998, ne e konstatojm\u00eb at\u00eb udh\u00ebzuese p\u00ebr t\u00eb\u00a0 pasqyruar sesa larg mund t\u00eb shtrihen probleme t\u00eb tilla n\u00eb p\u00ebrgjegj\u00ebsin\u00eb e nj\u00eb sistemi bankar t\u00eb bazuar te interesi. Interesimi i plot\u00eb \u00ebsht\u00eb p\u00ebrtej q\u00ebllimit ton\u00eb aktual, por n\u00eb k\u00ebt\u00eb posht\u00ebsh\u00ebnim ne do t\u00eb kufizohemi t\u00eb b\u00ebjm\u00eb tri v\u00ebrejtje t\u00eb shkurtra.<\/p>\n

E para<\/b>, kriza e kredis\u00eb ishte pasoj\u00eb e nj\u00eb projekti krediti paraprir\u00ebs n\u00eb m\u00ebnyr\u00eb t\u00eb pashmangshme shp\u00ebrthyes. Ne disa vende Per\u00ebndimore, p\u00ebrfshir\u00eb Britanin\u00eb dhe Amerik\u00ebn, qeverit\u00eb kishin \u00e7rregulluar agjencit\u00eb financiare n\u00eb nj\u00eb nivel ku huadh\u00ebnia e pa p\u00ebrgjegjshme u b\u00eb gjendje normale. P\u00ebr shembull, n\u00eb Britani, gjat\u00eb t\u00ebr\u00eb vitit 2008, ishte e leht\u00eb p\u00ebr njer\u00ebzit t\u00eb merrnin hua hipotekare n\u00eb vler\u00eb t\u00eb 120% t\u00eb vler\u00ebs s\u00eb pron\u00ebs duke pasur vet\u00ebm pak k\u00ebrkesa. \u00c7mimet e pasuris\u00eb po ngriheshin befas, ekonomia globale po lul\u00ebzonte dhe kujdesi tradicional bankar po shp\u00ebrfillej. Njer\u00ebzit ri-hipotekonin sht\u00ebpit\u00eb e tyre p\u00ebr t\u00eb shlyer borxhet e kart\u00ebs se kreditit, q\u00eb mbanin norma shum\u00eb t\u00eb larta t\u00eb interesit, dhe q\u00eb u ishin shitur atyre nga nj\u00eb marketing agresiv. Njer\u00ebzit kishin filluar t\u00eb besonin se vlerat e sht\u00ebpive gjithmon\u00eb n\u00eb rritje, dhe koh\u00ebt e mira ekonomike do t\u00eb krijonin gjithnj\u00eb vlera pasurie q\u00eb do t\u2019ua kalonin vazhdimisht detyrimeve t\u00eb tyre. Duke mos e larguar k\u00ebt\u00eb ide, huadh\u00ebn\u00ebsit drejtues e shfryt\u00ebzuan at\u00eb. Stafi City [Komuniteti Financiar Britanik] u shp\u00ebrblye me shtesa t\u00eb m\u00ebdha \u201csi p\u00ebr persona t\u00eb pasur\u201d t\u00eb bazuara n\u00eb madh\u00ebsin\u00eb dhe sasin\u00eb e huave t\u00eb dh\u00ebna. Shqet\u00ebsimeve rreth vler\u00ebs s\u00eb p\u00ebrgjithshme t\u00eb aksioneve t\u00eb portofolit t\u00eb kredis\u00eb s\u00eb tyre u ishte mbyllur goja p\u00ebrmes siguris\u00eb \u2013 shitjes dhe p\u00ebrhapjes nga rreziku n\u00eb tregjet q\u00eb vlojn\u00eb n\u00eb m\u00ebnyr\u00eb spekulative.<\/p>\n

Nd\u00ebrsa kushdo luante loj\u00ebn dhe normat e interesit mbet\u00ebn t\u00eb ulura, sistemi dukej t\u00eb funksiononte. Ai arriti mund\u00ebsi investimi me shp\u00ebrblime te larta.\u00a0 Por duke qen\u00eb se normat e interesit t\u00eb Shteteve t\u00eb Bashkuara u ngrit\u00ebn n\u00eb nj\u00eb p\u00ebrpjekje t\u00eb nevojshme\u00a0 p\u00ebr t\u00eb neutralizuar \u00ad<\/sup>efektet ekonomike t\u00eb pa menduara t\u00eb inflacionit t\u00eb \u00e7mimit t\u00eb sht\u00ebpis\u00eb, pasojat e blerjes n\u00eb nj\u00eb sistem kamatar dhe t\u00eb nxitur nga lakmia filluan t\u00eb kuptoheshin plot\u00ebsisht. Normat e mosplot\u00ebsimit t\u00eb borxhit arrit\u00ebn pikat e kriz\u00ebs. Ata q\u00eb ishin n\u00eb gjendje ta shikonin at\u00eb duke ardhur, kryesisht pasanik\u00ebt dhe t\u00eb mir\u00eb-k\u00ebshilluarit q\u00eb kishin nj\u00eb variacion m\u00eb t\u00eb madh t\u00eb opsioneve financiare t\u00eb hapura p\u00ebr ta, ishin n\u00eb gjendje t\u00eb dilnin nga balta n\u00eb koh\u00eb. Ata q\u00eb ishin kapur me pak zgjedhje n\u00ebse donin t\u00eb blinin nj\u00eb sht\u00ebpi p\u00ebr t\u00eb banuar n\u00eb t\u00eb, ishin shtr\u00ebnguar,\u00a0 t\u00eb l\u00ebn\u00eb shum\u00eb familje t\u00eb reja tani n\u00eb luft\u00eb p\u00ebr t\u00eb shlyer borxhet me qen\u00eb se vlerat e sht\u00ebpive t\u00eb tyre ran\u00eb n\u00eb\u00a0 vlera negative t\u00eb kapitalit fillestar. Si\u00e7 v\u00ebren media me t\u00eb drejt\u00eb, fitimet e Wall Street-it<\/i> jan\u00eb humbjet e Main Street-it<\/i>, me efekte negative t\u00eb spekulimit financiar t\u00eb kaluara n\u00eb shoq\u00ebrin\u00eb si e t\u00ebr\u00eb.<\/p>\n

Nga kjo, ne mund t\u00eb m\u00ebsojm\u00eb se nj\u00eb ekonomi q\u00eb kanonizon lakmi, instalon gati dob\u00ebsi katastrofike q\u00eb godasin p\u00ebrfundimisht m\u00eb r\u00ebnd\u00eb t\u00eb varfrin.<\/p>\n

Argumenti yn\u00eb i dyt\u00eb<\/b> \u00ebsht\u00eb se globalizimi nd\u00ebrsa krijon pasuri t\u00eb m\u00ebdha ekonomike t\u00eb reja nga tregtia e \u00e7rregulluar, ka pak\u00ebsuar elasticitetin [ose aft\u00ebsin\u00eb rip\u00ebrt\u00ebrit\u00ebse] n\u00eb sistemin financiar bot\u00ebror. Barrierat mbrojt\u00ebse nd\u00ebrmjet ekonomive t\u00eb vendeve t\u00eb ndryshme q\u00eb po mbaheshin n\u00eb vend nga masat si kontrollet n\u00eb transaksionet me monedh\u00ebn e huaj, n\u00eb thelb u braktis\u00ebn n\u00eb vitet q\u00eb pasuan ekonomin\u00eb \u201cpolitike e tregut t\u00eb lir\u00eb\u201d t\u00eb Reganit dhe The\u00e7erit. T\u00eb leht\u00ebsuar nga planifikimi i prodhimit t\u00eb kompjuterizuar dhe kontrollit t\u00eb gjendjes s\u00eb mallit, ide t\u00eb reja t\u00eb sistemeve tregtare t\u00eb furnizimit n\u00eb koh\u00eb me fitim maksimizuan efi\u00e7enc\u00ebn ekonomike. Por k\u00ebtu kishte nj\u00eb kosto t\u00eb fsheht\u00eb. Kjo gjithashtu zvog\u00eblonte elasticitetin [aft\u00ebsin\u00eb rip\u00ebrt\u00ebrit\u00ebse] qe lejon ngecja n\u00eb zinxhir\u00ebt tep\u00ebr t\u00eb nd\u00ebrvarura t\u00eb furnizimit. Pa ngecje rrjetet e furnizimit, si sistemet socio-ekologjike n\u00eb t\u00eb cilat ato varen, b\u00ebhen t\u00eb brishta. Ata b\u00ebhen t\u00eb prira p\u00ebr t\u2019u thyer dhe t\u00eb p\u00ebrthyhen kur vendosen n\u00ebn trysni. Dhe p\u00ebr nj\u00eb sistem furnizimi ekonomik t\u00eb bazuar monetarisht, nj\u00eb bank\u00eb e zbrazur nga likuiditeti, \u00ebsht\u00eb si nj\u00eb makin\u00eb q\u00eb befas ka mbetur pa vaj. Pa lubrifikim motori v\u00ebrtitet deri n\u00eb nj\u00eb ndales\u00eb t\u00eb beft\u00eb. Ja sepse m\u00eb 2008 qeverit\u00eb lan\u00eb opsionin e vet\u00ebm t\u00eb nxirrnin nga balta bankat.<\/p>\n

Kjo humbje e elasticitetit \u00ebsht\u00eb ajo \u00e7ka dallon situat\u00ebn aktuale prej shembjes s\u00eb bankave t\u00eb 1920-\u00ebs. At\u00ebher\u00eb, shoq\u00ebria dhe ve\u00e7an\u00ebrisht prodhimi i ushqimit t\u00eb saj ishte m\u00eb pak i industrializuar. Njer\u00ebzit jetonin m\u00eb af\u00ebr me tok\u00ebn. Sh\u00ebrbimet m\u00eb thelb\u00ebsore si prodhimi i ushqimit ishin produkte lokale p\u00ebr konsum lokal. Por sot, zinxhir\u00ebt themelore t\u00eb furnizimit jan\u00eb t\u00eb gjat\u00eb, shpesh global\u00eb, dhe si pasoj\u00eb subjekt t\u00eb tregut nd\u00ebrkomb\u00ebtar dhe trilleve financiare. Nj\u00eb shikim i shpejt\u00eb i pasojave t\u00eb nj\u00eb var\u00ebsie t\u00eb till\u00eb mund t\u00eb shihet nga ajo q\u00eb ndodhi n\u00eb Britani n\u00eb shtator t\u00eb vitit 2000, kur shofer\u00ebt e kamion\u00ebve cisterne b\u00ebn\u00eb grev\u00eb. Brenda pes\u00eb dit\u00ebve, blerja n\u00eb panik boshatisi disa rafte t\u00eb supermerkatove dhe media p\u00ebrcolli raporte sporadike t\u00eb luftimit n\u00eb arkat e pagesave. Qeveria e Blerit, duke iu trembur nj\u00eb shqet\u00ebsimi civil, kapitulloi. Aplikuar n\u00eb situat\u00ebn m\u00eb 2008, ne mund t\u00eb pyesim, mund t\u00eb kishte shp\u00ebrthyer m\u00eb shum\u00eb shqet\u00ebsim, n\u00ebse d\u00ebshtimi bankar kishte rezultuar n\u00eb humbje t\u00eb beft\u00eb t\u00eb lubrifikimit financiar me efektet e saj logjike t\u00eb menj\u00ebhershme e t\u00eb pa menduara?<\/p>\n

Ne mund t\u00eb m\u00ebsojm\u00eb prej k\u00ebsaj se rre-ziqet jan\u00eb shum\u00eb t\u00eb larta p\u00ebr qeverit\u00eb p\u00ebr t\u00eb lar\u00eb duart e rregullimit t\u00eb ekonomive moderne. T\u00eb \u00e7liruara [nga prangat] tregjet e lira ekspozojn\u00eb struktur\u00ebn e v\u00ebrtete t\u00eb shoq\u00ebris\u00eb civile ndaj ligjit t\u00eb xhungl\u00ebs n\u00eb nj\u00eb dit\u00eb t\u00eb keqe. Tregjet e \u00e7rregulluara rast\u00ebsisht mund t\u00eb jen\u00eb vet\u00ebm dukuri t\u00eb p\u00ebrkohshme, si shp\u00ebrndarje e pic\u00ebs s\u00eb lir\u00eb. P\u00ebr arsye t\u00eb natyr\u00ebs s\u00eb tyre abstrakte, t\u00eb bazuar n\u00eb konfidenc\u00eb \u2013 fjala do t\u00eb thot\u00eb \u201cbesim bashk\u00ebrisht\u201d \u2013 tregjet financiare jan\u00eb p\u00ebrher\u00eb e m\u00eb shum\u00eb t\u00eb paq\u00ebndrueshme. Paturp\u00ebsia me te cil\u00ebn projektuesit financiar\u00eb apo m\u00eb mir\u00eb, tregtar\u00ebt, u p\u00ebrpoq\u00ebn t\u00eb p\u00ebrhapnin rrezikun duke krijuar \u201cprodukte\u201d derivate t\u00eb nxitura s\u00eb fundi nga normat hipotekore t\u00eb interesit dhe efektit t\u00eb tyre n\u00eb vlera pasurie zbulojn\u00eb nj\u00eb rr\u00ebnim masiv t\u00eb p\u00ebrgjegj\u00ebsis\u00eb. Ky rr\u00ebnim ndodhi sepse besimi devijoi lidhjen e interesit t\u00eb drejtp\u00ebrdrejt\u00eb n\u00eb asete t\u00eb prekshme n\u00eb lidhjet abstrakte financiare q\u00eb mund t\u00eb ndodh\u00eb shum\u00eb her\u00eb t\u00eb largohen dhe t\u00eb dob\u00ebsohen nga realiteti n\u00eb vend. Derivate t\u00eb tilla ishin b\u00ebr\u00eb anije fantazie. T\u00eb lira nga spirancat, ato enden kot, pa koordinata n\u00eb pika referimi t\u00eb realitetit derisa t\u00eb godasin shk\u00ebmbinjt\u00eb.<\/p>\n

V\u00ebrejtja jon\u00eb e tret\u00eb<\/b> \u00ebsht\u00eb se shum\u00eb njer\u00ebz pyesin n\u00ebse \u201ckriza e kreditit\u201d<\/i> (termi ting\u00ebllon \u00e7armatos\u00ebs si nj\u00eb paket\u00eb ushqimi m\u00ebngjesi, me nj\u00eb dhurat\u00eb t\u00eb lir\u00eb brenda), sinjalizon \u201cfundin e kapitalizmit\u201d. P\u00ebrkundrazi, ne mendojm\u00eb se kjo paraqet vet\u00ebm nj\u00eb spazm\u00eb ciklike n\u00eb procesin me an\u00eb t\u00eb t\u00eb cilit kapitalizmi periodikisht ristrukturon vetveten n\u00eb nj\u00eb p\u00ebrplasje q\u00eb m\u00eb shum\u00eb d\u00ebmton t\u00eb dob\u00ebtin. Pasoja e humbjeve t\u00eb pun\u00ebs dhe rizot\u00ebrimet n\u00eb tregun e sht\u00ebpive jan\u00eb t\u00eb tilla q\u00eb disavantazhet relativisht, tani t\u00eb ngarkuara shum\u00eb me vler\u00eb negative, do t\u00eb detyrohen p\u00ebr t\u00eb punuar m\u00eb shum\u00eb me afat t\u00eb gjat\u00eb p\u00ebr t\u00eb shlyer borxhet, duke p\u00ebrfshir\u00eb dhe pjes\u00ebn e tyre t\u00eb borxhit komb\u00ebtar q\u00eb do t\u00eb paraqitet n\u00eb ngritjen e taksave. Si i till\u00eb, kreditor\u00ebt \u2013 shume prej limaneve t\u00eb tyre t\u00eb taksave n\u00eb det t\u00eb hapur \u2013 ruajn\u00eb dhe rikonsolidojn\u00eb nj\u00eb kapje q\u00eb ata nuk do ta kishin pasur n\u00ebse pjes\u00ebmarrja e tyre n\u00eb proces t\u00eb kishte qen\u00eb p\u00ebrmes ndarjes s\u00eb rrezikut t\u00eb interesit t\u00eb pron\u00ebsive, si me parimet bankare Islamike. K\u00ebta investitor\u00eb n\u00eb t\u00eb ardhmen, do t\u00eb jen\u00eb njer\u00ebz q\u00eb gjejn\u00eb veten ne nj\u00eb pozit\u00eb t\u00eb kaparosin kapitalin e sht\u00ebpive t\u00eb riposeduara (q\u00eb do t\u00eb thot\u00eb, faliment) dhe n\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb shtr\u00ebngojn\u00eb krah\u00ebt e tyre n\u00eb t\u00eb ardhmen si rentier\u00eb te ata q\u00eb kan\u00eb humbur. I varfri relativisht do t\u00eb detyrohet t\u00eb punoj\u00eb akoma m\u00eb fort\u00eb mbi nj\u00eb pun\u00eb rutine q\u00eb d\u00ebmton jet\u00ebn familjare dhe bashk\u00eb me t\u00eb, dob\u00ebson struktur\u00ebn e ardhshme t\u00eb shoq\u00ebris\u00eb.<\/p>\n

Kapitalizmi mund t\u00eb kuptohet n\u00eb nivele t\u00eb ndryshme, nga tregtia e ndershme dhe aktiviteti sip\u00ebrmarr\u00ebs gjat\u00eb gjith\u00eb versionit t\u00eb tij kazino t\u00eb p\u00ebrparuar Anglo-Amerikan. N\u00eb k\u00ebt\u00eb t\u00eb fundit, roli i paras\u00eb p\u00ebson nj\u00eb ndryshim. Ai ndryshon nga roli i tij par\u00ebsor si nj\u00eb mjet i regjistrimit dhe lubrifikimit t\u00eb shk\u00ebmbimit t\u00eb mallrave dhe sh\u00ebrbimeve. Ai k\u00ebrkon n\u00eb rend t\u00eb dyt\u00eb cil\u00ebsi abstrakte qe jan\u00eb spekulative. K\u00ebtu parat\u00eb vet\u00ebm gjenerojn\u00eb m\u00eb shum\u00eb para, dhe parimi i fajdes\u00eb –\u00a0 duke e p\u00ebrcaktuar at\u00eb si hua paraje n\u00eb norma v\u00ebrtet pozitive t\u00eb interesit (d.m.th. norma m\u00eb te m\u00ebdha sesa duhet p\u00ebr t\u00eb mbuluar inflacionin dhe rrezikun) \u00ebsht\u00eb motori i brendsh\u00ebm nxit\u00ebs i k\u00ebtij sistemi.<\/p>\n

Megjithat\u00eb ne besojm\u00eb se kapitalizmi n\u00eb nj\u00eb form\u00eb apo tjet\u00ebr \u00ebsht\u00eb k\u00ebtu p\u00ebr t\u00eb q\u00ebndruar, \u201ckriza e kreditit\u201d<\/i> mund t\u00eb arrij\u00eb n\u00eb histori si sfida m\u00eb serioze ende n\u00eb kapitalizmin spekulativ t\u00eb p\u00ebrparuar financiarisht. Q\u00eb k\u00ebtej elektoratet dhe qeverit\u00eb e tyre duhet t\u00eb japin me shum\u00eb mendim t\u00eb pjekur ndaj parimit oligarkik t\u00eb lejimit t\u00eb aq shum\u00eb pushteti dhe hap\u00ebsire ndaj aksionareve dhe analist\u00ebve t\u00eb tyre financiar\u00eb, motivimi i investimeve t\u00eb t\u00eb cil\u00ebve \u00ebsht\u00eb thjesht p\u00ebr t\u00eb \u201cspekuluar n\u00eb fonde [ose tregje].\u201d<\/p>\n

2009 ka t\u00eb ngjar\u00eb t\u00eb sh\u00ebnoj\u00eb pik\u00ebn n\u00eb t\u00eb cil\u00ebn lavjerr\u00ebsi fillon t\u00eb l\u00ebkundet pas n\u00eb tregjet m\u00eb t\u00eb rregulluara fuqimisht nga ana financiare. Si\u00e7 del e qart\u00eb, kjo qasje \u00ebsht\u00eb t\u00ebr\u00ebsisht e q\u00ebndrueshme me filozofin\u00eb e ikon\u00ebs s\u00eb ekonomist\u00ebve Adam Smithin (q\u00eb ishte mbi t\u00eb gjitha nj\u00eb \u201cfilozof moral\u201d) dhe John Maynard Keynes (q\u00eb paralajm\u00ebroi rezikun ndaj aktiviteteve spekulative). P\u00ebr ironi, k\u00ebto jan\u00eb cituar shpesh nga fundamentalist\u00ebt e tregut neo-liberal n\u00eb mb\u00ebshtetje t\u00eb q\u00ebndrimit t\u00eb tyre \u00e7rregullues ekonomik. Secili prej nesh, q\u00eb ka marr\u00eb pjes\u00eb me dijeni n\u00eb ekonomin\u00eb kazino t\u00eb lidhur me fajden\u00eb, ndan p\u00ebrgjegj\u00ebsin\u00eb p\u00ebr at\u00eb q\u00eb ka ndodhur. Nd\u00ebrsa asnj\u00eb nga autor\u00ebt aktual\u00eb t\u00eb k\u00ebsaj teme nuk \u00ebsht\u00eb mysliman, ne nuk mund t\u00eb b\u00ebjm\u00eb gj\u00eb tjet\u00ebr ve\u00e7se t\u00eb sjellim nd\u00ebrmend hadithin islamik (th\u00ebnien e Profetit Muhammed s.a.v.s.<\/sup>) q\u00eb deklaron: \u201cMarr\u00ebsi i fajdes\u00eb, dh\u00ebn\u00ebsi i saj, shkruesi i dokumenteve t\u00eb saj dhe d\u00ebshmitari jan\u00eb nj\u00eblloj pjes\u00ebmarr\u00ebs ne krim.\u201d P\u00ebr ta v\u00ebn\u00eb at\u00eb n\u00eb gjuh\u00ebn e feve t\u00eb tjera Abrahamike, ne kemi adhuruar per\u00ebndin\u00eb e pasuris\u00eb n\u00eb faltoren e Mammonit. Mammoni tani \u00ebsht\u00eb shnd\u00ebrruar n\u00eb Moloch, per\u00ebndia gur i zbrazur i mbushur me zjarrin e Bibl\u00ebs Hebraike. N\u00eb prehrin e tij f\u00ebmij\u00ebt me sa duket ishin sakrifikuar… dhe kjo, n\u00eb em\u00ebr t\u00eb idhujtaris\u00eb duke k\u00ebrkuar progresin ekonomik t\u00eb s\u00eb ardhmes.<\/b><\/p>\n

P\u00ebrmes lenteve t\u00eb k\u00ebsaj metafore \u201ckriza e kreditit\u201d<\/i> duhet si \u201ckriza e ndryshimit t\u00eb klim\u00ebs\u201d<\/i> t\u00eb kuptohet shpirt\u00ebrisht, ose n\u00eb kuptimin e vlerave t\u00eb q\u00ebndrueshme. \u00cbsht\u00eb lakmia jon\u00eb e konsumit q\u00eb ka shkaktuar problemet q\u00eb p\u00ebrballen tashti. Cilado qofshin bekgraundet tona fetare, n\u00ebse ka ndonj\u00eb, krizat e koh\u00ebve t\u00eb tanishme mund te shihen si nj\u00eb thirrje p\u00ebr zgjim shpirt\u00ebror dhe t\u00eb bazuar n\u00eb vlera. Si i till\u00eb,\u00a0 modernizmi mund t\u00eb k\u00ebt\u00eb di\u00e7ka p\u00ebr te m\u00ebsuar nga t\u00eb lasht\u00ebt.<\/p>\n

P\u00ebrktheu: \u00c7apajev Zera<\/p>\n

Image: Courtesy of \u00a0Mike Bitzenhofer<\/a>;\u00a0Under the Creative Commons<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Posht\u00eb sh\u00ebnim mbi Kriz\u00ebn e Kredis\u00eb, 2009: \u00a0E ashtuquajtura \u201cKriza e Kredis\u00eb\u201d globale (e p\u00ebrcaktuar si \u201cnj\u00eb sasi e munguar e theksuar e paras\u00eb apo kreditit\u201d) mendohet n\u00eb p\u00ebrgjith\u00ebsi t\u00eb ket\u00eb \u201cfilluar\u201d m\u00eb 9 gusht t\u00eb vitit 2007, kur shifrat shqet\u00ebsuese nga Banka Franceze Paribas BNP ngrit\u00ebn koston e kredis\u00eb dhe zgjuan komunitetin financiar p\u00ebr<\/p>\n","protected":false},"featured_media":3000,"template":"","tags":[140,141,118,123],"authors":[480],"content_source":[],"class_list":["post-605","articles","type-articles","status-publish","has-post-thumbnail","hentry","tag-banka-franceze-paribas","tag-bbc","tag-fajdeja","tag-kriza-e-kredise","topics-islami-dhe-ekonomia","article-cat-artikuj","authors-alastair-mcintosh"],"acf":[],"yoast_head":"\nInteresi dhe v\u00ebrejtje mbi \u201cKriz\u00ebn e Kredis\u00eb\u201d (Credit Crunch)<\/title>\n<meta name=\"robots\" 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