{"id":9763,"date":"2016-05-06T09:57:56","date_gmt":"2016-05-06T07:57:56","guid":{"rendered":"https:\/\/transparency.web.com.mk\/?p=9763"},"modified":"2021-02-17T09:58:20","modified_gmt":"2021-02-17T08:58:20","slug":"punonjesit-bankare-he-biznesmenet-mashtrues-me-kredi","status":"publish","type":"post","link":"https:\/\/transparency.mk\/sq\/2016\/05\/06\/punonjesit-bankare-he-biznesmenet-mashtrues-me-kredi\/","title":{"rendered":"PUNONJ\u00cbSIT BANKAR\u00cb HE BIZNESMEN\u00cbT MASHTRUES ME KREDI"},"content":{"rendered":"<div>06.05.2016 Kiraca Trajkovska nga \u201cFershped\u201d me ndihm\u00ebn e n\u00ebpun\u00ebsve bankar\u00eb n\u00eb Komercijalna banka, ka marr pjes\u00eb n\u00eb skem\u00eb financiare p\u00ebr miratim t\u00eb kredive p\u00ebr biznesmen\u00eb, t\u00eb cil\u00ebt aspak nuk i kan\u00eb p\u00ebrdorur parat\u00eb, por n\u00eb fund jan\u00eb futur n\u00eb borxhe prej m\u00eb shum\u00eb qindra mij\u00eb euro pasi \u00ebsht\u00eb dashur ti kthejn\u00eb. N\u00eb raste t\u00eb ngjashme, me kredi dhe hua jan\u00eb mashtruar edhe qytetar\u00eb tjer\u00eb dhe pronar\u00eb t\u00eb firmave, t\u00eb cil\u00ebt kan\u00eb vendosur ti paraqesin rastet n\u00eb \u201cTransparensi internesh\u00ebn\u00ebll\u201d dhe n\u00eb MPB, ku Prokuroria publike ka nisur hetim. N\u00eb skem\u00ebn me kredit\u00eb bankare jan\u00eb p\u00ebrfshir\u00eb edhe institucione shtet\u00ebrore dhe gjyq\u00ebsori!<\/div>\n<div><\/div>\n<div>Organizata \u201cTransparensi internesh\u00ebn\u00ebll\u201d n\u00eb muajt e fundit ka pranuar tre paraqitje p\u00ebr pun\u00ebn n\u00eb Komercijalna banka. B\u00ebhet fjal\u00eb p\u00ebr kredi q\u00eb banka ua ka miratuar klient\u00ebve t\u00eb saj, kurse pastaj p\u00ebrdoren p\u00ebr larje parash. T\u00eb gjith\u00eb rastet kan\u00eb t\u00eb p\u00ebrbashk\u00ebt faktin q\u00eb qytetar\u00ebt jan\u00eb p\u00ebrfshir\u00eb n\u00eb sistem kriminel t\u00eb kreditimit t\u00eb fshehur, huave, dor\u00ebzimit t\u00eb pron\u00ebsis\u00eb \u2013 me q\u00ebllim q\u00eb grup i organizuar t\u00eb p\u00ebrfiton n\u00eb d\u00ebm t\u00eb pronar\u00ebve t\u00eb firmave n\u00ebnshkrimet dhe dokumentacioni i cil\u00ebve jan\u00eb falsifikuar dhe keqp\u00ebrdorur. P\u00ebr momentin, Prokuroria publike ka marr hapa p\u00ebr t\u00eb kuptuar se cilat persona dhe cilat kompani q\u00ebndrojn\u00eb pas rasteve t\u00eb tilla q\u00eb v\u00ebrtetojn\u00eb munges\u00ebn e integritetit n\u00eb sektorin financiar. Fillimisht \u00ebsht\u00eb v\u00ebrtetuar se t\u00eb pun\u00ebsuarit n\u00eb banka q\u00ebndrojn\u00eb pas veprave t\u00eb pandershme. Rastet jan\u00eb shum\u00eb t\u00eb ngjashme dhe tregojn\u00eb se si qytetar\u00ebt \u201cnaiv\u201d t\u00eb cil\u00ebt me drejt\u00eb kan\u00eb pasur besim n\u00eb bankat, jan\u00eb shfryt\u00ebzuar nga figura t\u00eb fuqishme dhe si kan\u00eb mbetur me kredi t\u00eb st\u00ebrm\u00ebdhenj pasi vet\u00ebm formalisht q\u00ebndrojn\u00eb pas kredive por parat\u00eb nuk i kan\u00eb shfryt\u00ebzuar, gjegj\u00ebsisht ato gjithmon\u00eb kan\u00eb p\u00ebrfunduar n\u00eb llogari tjera, me urdh\u00ebr t\u00eb lojtar\u00ebve kryesor.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><b>N\u00cb VEND T\u00cb BIZNESIT T\u00cb RI, KA MBETUR ME BORXH PREJ 250 MIJ\u00cb EURO<\/b><\/div>\n<div><\/div>\n<div>Para 15 vitesh, kur Vojo Tatabitovski Artnik, si m\u00eb i ri ka dashur t\u00eb shfryt\u00ebzon kapacitetin dhe energjin\u00eb p\u00ebr zgjerim t\u00eb biznesit, ka r\u00ebn\u00eb n\u00eb grack\u00ebn e grupit mashtrues. N\u00eb nj\u00eb rast, Kiraca Trajkovska prej \u201cFershped\u201d i ka th\u00ebn\u00eb n\u00eb mir\u00ebbesim se s\u00eb bashku me nj\u00eb investues t\u00eb jasht\u00ebm mendojn\u00eb t\u00eb nisin biznes t\u00eb ri n\u00eb Shkup, n\u00eb fush\u00ebn e teknologjive informative, por duke marr parasysh pozit\u00ebn e saj drejtuese n\u00eb vende tjera, ajo nuk ka dashur t\u00eb eksponohet dhe i ka propozuar Artnikut q\u00eb ai t\u00eb futet n\u00eb pozit\u00ebn kryesore. Atij, si\u00e7 tregon edhe vet nuk i ka penguar q\u00eb p\u00ebrve\u00e7 firm\u00ebs \u201cEureka\u201d nga fusha e informatik\u00ebs, t\u00eb udh\u00ebheq edhe nj\u00eb biznes tjet\u00ebr.<\/div>\n<div>Si nis mashtrimi? Trajkovska e ka p\u00ebrdorur lidhjen me Sasha Tvrtkoviq, i pun\u00ebsuar n\u00eb Komercijalna banka, n\u00eb drejtorin\u00eb p\u00ebr kreditim. Zyra e tij ka qen\u00eb adresa ku Artnik \u00ebsht\u00eb d\u00ebrguar q\u00eb t\u00eb merr kredin\u00eb bankare.<\/div>\n<div>\u2013 Pa mos \u00a0e ditur biznes-planin p\u00ebr firm\u00ebn e re, un\u00eb vet\u00ebm i n\u00ebnshkrova dokumentet e p\u00ebrgatitura pasi q\u00eb pik\u00ebs\u00ebpari kisha besim te Trajkovska, dhe prisja qasje t\u00eb ndershme dhe profesionale edhe prej n\u00ebpun\u00ebsit bankar. Sipas marr\u00ebveshjes, un\u00eb duheshe t\u00eb jem drejtues, jo pronar. P\u00ebr k\u00ebt\u00eb shkak shum\u00eb leht\u00eb i n\u00ebnshkrova t\u00eb gjitha dokumentet q\u00eb praktikisht paraqitnin marrjen e kredis\u00eb s\u00eb par\u00eb, thot\u00eb Artnik.<\/div>\n<div>Pasi firma e re nuk ka ekzistuar si subjekt ligj\u00ebsor, parat\u00eb e kredis\u00eb drejtohen n\u00eb llogarin\u00eb e \u201cEureka\u201d-s. Artnik ka menduar se do ta zgjeron biznesin dhe as q\u00eb ka supozuar se sot, pas nj\u00eb dekade do t\u00eb ngarkohet me borxhe, gjegj\u00ebsisht do t\u00eb paguan kredi prej cil\u00ebs nuk ka par\u00eb as nj\u00eb denar. Si garantues i kredis\u00eb paraqitet \u201cFershped\u201d, n\u00ebp\u00ebrmjet dokumentit q\u00eb e ka siguruar Trajkovska dhe ia ka dor\u00ebzuar bank\u00ebs. Por, sapo jan\u00eb paguar parat\u00eb, edhe at\u00eb 250 mij\u00eb euro, Artnik \u00ebsht\u00eb ngarkuar q\u00eb nga firma q\u00eb e ka udh\u00ebhequr \u2013 \u201cEureka\u201d ti transferon parat\u00eb n\u00eb llogarin\u00eb e firm\u00ebs s\u00eb Trajkovsk\u00ebs. K\u00ebt\u00eb edhe e ka b\u00ebr\u00eb, por nuk e ka ditur se pastaj parat\u00eb do t\u00eb zhduken, dhe ai do ti mbetet borxh bank\u00ebs.<\/div>\n<div>&#8211; Kaloi nj\u00eb koh\u00eb e caktuar, por nuk ndodhi gj\u00eb, parat\u00eb u zhduk\u00ebn, por askush nuk m\u00eb njoftonte p\u00ebr zhvillimet. \u00a0U gjend\u00ebm n\u00eb situat\u00eb ku nuk mundeshim t\u00eb nisim me pages\u00ebn e kredis\u00eb. \u00a0P\u00ebr k\u00ebt\u00eb shkak duhej t\u00eb n\u00ebnshkruaj riprogramim t\u00eb kredis\u00eb q\u00eb t\u00eb shtyhet pagesa. Pastaj vijoi edhe riprogramimi i dyt\u00eb, gjithashtu i akorduar mes Trajkovsk\u00ebs dhe t\u00eb pun\u00ebsuarit n\u00eb bank\u00eb. Por, p\u00ebr shkaqe t\u00eb panjohura, nj\u00eb dit\u00eb pas asaj n\u00eb llogari kam 300 mij\u00eb euro t\u00eb reja, q\u00eb dit\u00ebn e nj\u00ebjt\u00eb, sigurisht n\u00ebp\u00ebrmjet n\u00ebpun\u00ebsve bankar\u00eb, p\u00ebrs\u00ebri transferohen n\u00eb llogarit\u00eb e tyre, kurse mua m\u00eb shpjeguan se Trajkovska do ti kthen k\u00ebto para n\u00eb kat\u00ebr k\u00ebste, kujtohet Artniku.<\/div>\n<div>Dy prej kat\u00ebr k\u00ebsteve t\u00eb premtuara kan\u00eb p\u00ebrfunduar tek \u201cEureka\u201d, por jo edhe dy tjerat. Edhe pse nuk jan\u00eb paguar dy k\u00ebstet e fundit, banka nuk i ka k\u00ebrkuar, q\u00eb pastaj Artniku t\u00eb kupton se kredia \u00ebsht\u00eb paguar nga ana e garantuesit \u201cFershped\u201d, kurse atij jan\u00eb hapur marr\u00ebdh\u00ebnie debitor-kreditor me kompanin\u00eb, e cila tani i k\u00ebrkon parat\u00eb prej tij. Ai n\u00eb t\u00eb v\u00ebrtet, del se i ka borxh \u201cFershped\u201d-it para q\u00eb aspak nuk kan\u00eb p\u00ebrfunduar tek ai, ose q\u00eb i ka shfryt\u00ebzuar ai. Tani borxhi i tij \u00ebsht\u00eb 200 mij\u00eb euro ndaj garantuesit, por gjithashtu ka borxhin e kredis\u00eb s\u00eb par\u00eb prej 250 mij\u00eb euro.<\/div>\n<div>Duke marr parasysh faktin se Artnik ka n\u00ebnshkruar nj\u00eb gj\u00eb, kurse n\u00ebnshkrimet e tija jan\u00eb p\u00ebrdorur p\u00ebr di\u00e7ka tjet\u00ebr, gjegj\u00ebsisht p\u00ebr dh\u00ebnie t\u00eb kredis\u00eb, q\u00eb ai vet as q\u00eb ka dashur t\u00eb k\u00ebrkon, \u00ebsht\u00eb munduar q\u00eb n\u00ebp\u00ebrmjet bank\u00ebs t\u00eb arrin tek dokumentacioni p\u00ebr kredin\u00eb.<\/div>\n<div>\u2013 I k\u00ebrkoj dokumentet q\u00eb jan\u00eb si shtojc\u00eb e k\u00ebrkes\u00ebs p\u00ebr kredi dhe nuk e kuptoj se pse banka nuk mi jep n\u00ebse b\u00ebhet fjal\u00eb p\u00ebr kreditin tim. Madje, kat\u00ebr veta prej Komercijalna banka jan\u00eb n\u00ebnshkruar n\u00eb dokumentin ku m\u00eb njoftojn\u00eb se nuk m\u00eb takojn\u00eb dokumentet pasi qenkan t\u00eb fshehta. Pastaj ju d\u00ebrgova edhe nj\u00eb shkres\u00eb t\u00eb ju theksoj se n\u00eb nenin 112 t\u00eb Ligjit p\u00ebr banka, n\u00eb t\u00eb cilin ato thirren mos t\u00eb m\u00eb japin dokumentet, theksohet se kur preson juridik do t\u00eb k\u00ebrkon dokumente, ato duhet ti jepen, tregon bashk\u00ebbiseduesi i \u201cFokus\u201d-it.<\/div>\n<div>Ende nuk ka pranuar p\u00ebrgjigje p\u00ebr shkres\u00ebn e dyt\u00eb, por p\u00ebr k\u00ebt\u00eb shkak ka dor\u00ebzuar denoncim tek Policia financiare ku \u00ebsht\u00eb hapur hetim p\u00ebr rastin dhe p\u00ebr mashtrimin e bashk\u00ebpun\u00ebtor\u00ebve t\u00eb tij dhe n\u00ebpun\u00ebsve bankar\u00eb. Madje, Artnik don\u00eb t\u00eb angazhon nj\u00eb firm\u00eb t\u00eb pavarur p\u00ebr ekspertiz\u00eb gjyq\u00ebsore nga Sllovenia q\u00eb t\u00eb v\u00ebrteton n\u00ebp\u00ebrmjet ADN metod\u00ebs se askush nga \u201cEureka\u201d nuk ka pasur kontakt me dokumentet p\u00ebr kredit.<\/div>\n<div>&#8211; Me profesion jam arkitekt, por dhjet\u00eb vitet e fundit ndjehem si rob pasi vazhdoj ti paguaj 250 mij\u00eb eurot, q\u00eb n\u00eb vend se t\u00eb m\u00eb hapin biznes t\u00eb ri m\u00eb ngat\u00ebrruan n\u00eb borxhe, pasi dikush mua m\u00eb shfryt\u00ebzoi p\u00ebr p\u00ebrfitim, q\u00eb un\u00eb t\u00eb paguaj k\u00ebstet e kredis\u00eb q\u00eb as e kam k\u00ebrkuar e as e kam p\u00ebrdorur, p\u00ebrfundon Artniku, duke shpresuar se organet shtet\u00ebrore hetuese do ti shpalosin fajtor\u00ebt dhe se atij ndonj\u00ebher\u00eb do ti kthehen parat\u00eb e paguara p\u00ebr kredin\u00eb q\u00eb nuk e ka p\u00ebrdorur.<\/div>\n<div><\/div>\n<div><\/div>\n<div><b>E kan\u00eb mashtruar t\u2019ua shet firm\u00ebn dhe e kam ngat\u00ebrruar me kredit \u00a0<\/b><\/div>\n<div><\/div>\n<div>N\u00eb periudh\u00ebn kur Artnik ka shpresuar se do ta zgjeron biznesin ka pasur marr\u00ebdh\u00ebnie miq\u00ebsore me Risto Murov, pronar i \u201cMar kompani\u201d dhe sigurisht edhe me Trajkovsk\u00ebn e cila e ka ngat\u00ebrruar me aventur\u00eb financiare. Pasi Murov ka besuar n\u00eb miq\u00ebsin\u00eb e Trajkovsk\u00ebs me Artnikun, kurse vet ai ka pasur marr\u00ebdh\u00ebnie t\u00eb mira me Artnikun, ka vendosur t\u00eb shet firm\u00ebn e vet q\u00eb merret me p\u00ebrfaq\u00ebsim doganor Trajkovsk\u00ebs, e cila vet ka nisur shitblerjen. Jan\u00eb pajtuar q\u00eb Murov t\u00eb mbetet pes\u00eb vjet n\u00eb \u201cMar kompani\u201d, kurse t\u00eb pun\u00ebsuarit ka dy vjet. N\u00eb at\u00eb \u00e7ast, m\u00eb sa duket, Trajkovska nuk ka pasur 100 mij\u00eb euro p\u00ebr pages\u00ebn e plot\u00eb t\u00eb firm\u00ebs q\u00eb ka qen\u00eb duke e bler\u00eb, k\u00ebshtu q\u00eb derisa \u00ebsht\u00eb zhvilluar procesi i struktur\u00ebs s\u00eb pron\u00ebsis\u00eb, Murov ka mbetur n\u00ebnshkrues n\u00eb \u201cMar kompani\u201d.<\/div>\n<div>&#8211; Autoritetin q\u00eb Trajkovska kishte mbi meje e shfryt\u00ebzoi t\u00eb m\u00eb bind se n\u00eb vend t\u00eb parave do t\u00eb m\u00eb jep banes\u00eb, e cila do paguhet me kredit n\u00ebp\u00ebrmjet bank\u00ebs \u201cShparkase\u201d, q\u00eb u aprovua p\u00ebr pes\u00eb minuta, pasi q\u00eb ajo e ka rregulluar gjith\u00eb at\u00eb me t\u00eb pun\u00ebsuarit, por me premtim se ajo si garantues do t\u00eb paguan kreditin dhe k\u00ebshtu banesa do t\u00eb shnd\u00ebrrohet n\u00eb kompensim p\u00ebr borxhin e saj ndaj meje. \u00a0N\u00eb t\u00eb v\u00ebrtet, at[her\u00eb kuptova se Trajkovska mua m\u00eb shfryt\u00ebzon p\u00ebr t\u00eb marr kredi pa dijenin\u00eb time. Dhe k\u00ebshtu kam n\u00ebnshkruar hua dhe kredit\u00eb, kurse gjith\u00eb t\u00eb hollat q\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb \u00e7uditshme do t\u00eb m\u00eb paraqiteshin n\u00eb llogari duhej ti transferoj n\u00eb llogari tjera, d\u00ebshp\u00ebruar tregon Murov.<\/div>\n<div>Kur Trajkovsk\u00ebs i \u00ebsht\u00eb komplikuar situata n\u00eb \u201cFershped\u201d, gjegj\u00ebsisht nuk ka mundur m\u00eb t\u00eb l\u00eb pron\u00ebn si sigurim p\u00ebr kredit\u00eb t\u00eb reja, ajo e ka l\u00ebn\u00eb Murovin n\u00eb balt\u00eb. Ai n\u00ebp\u00ebrmjet nj\u00eb shembulli ilustrativ shpjegon skem\u00ebn e t\u00eb p\u00ebrfshir\u00ebve n\u00eb mashtrimin kriminel.<\/div>\n<div>&#8211; Nj\u00eb dit\u00eb hap llogarin\u00eb dhe shoh se kam pes\u00eb milion\u00eb denar\u00eb prej nj\u00eb firme q\u00eb nuk e di. N\u00eb telefon m\u00eb k\u00ebrkon Sasha Tvrtkoviq nga Komercijalna banka, me udh\u00ebzime se cilave kompani duhet tua l\u00ebshoj parat\u00eb si hua. Mes kompanive t\u00eb tilla ishte edhe \u00a0\u201cKubus\u201d, t\u00eb cil\u00ebs i dhash\u00eb hua prej shtat\u00eb milion\u00eb denar\u00eb. Madje personi nga banka, i cili sidoqoft\u00eb nuk ka t\u00eb drejt\u00eb t\u00eb m\u00eb telefonon, m\u00eb premtoi se ato s\u00eb shpejti do ti japin kredit \u201cKubus\u201d-it, dhe do t\u00eb mi kthen parat\u00eb, tregon biznesmeni i mashtruar.<\/div>\n<div>Kan\u00eb kaluar tre muaj, a \u201cKubus\u201d as q\u00eb ka konsideruar t\u00eb kthen borxhin \u201cMar kompani\u201d-s\u00eb, prandaj Murov ka vajtur tek Zlatko Todorov, pronar i firm\u00ebs debitor\u00eb q\u00eb t\u00eb merren vesh rreth huas. At\u00ebher\u00eb Murov kupton se Todorov nuk ka ide p\u00ebr borxhin ose p\u00ebr kreditin q\u00eb \u00ebsht\u00eb dashur t\u00eb merr prej Komercijalna banka, si\u00e7 ka th\u00ebn\u00eb Tvrtkoviqi. \u00a0I ballafaquar me mashtrimin, Murov niset i zem\u00ebruar tek n\u00ebpun\u00ebsi bankar, i cili ka thirr Trajkovsk\u00ebn p\u00ebr ndihm\u00eb q\u00eb n\u00eb fund t\u00eb vendosin se \u201cMar kompani\u201d duhet t\u00eb padit \u201cKubus\u201d-in. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, ky grup mashtruesish p\u00ebrfshin firmat n\u00eb situata t\u00eb nd\u00ebrlikuara pa d\u00ebshir\u00ebn ose vullnetin e tyre. Por, pasi kan\u00eb dashur q\u00eb mos t\u2019ju falimentojn\u00eb firmat, \u00ebsht\u00eb dashur t\u00eb nisin me pages\u00ebn e kredive dhe huave, edhe pse dikush tjet\u00ebr ua ka imponuar.<\/div>\n<div>&#8211; Tani un\u00eb paguaj kredi prej 25 mij\u00eb euro, edhe pse parat\u00eb kan\u00eb p\u00ebrfunduar n\u00eb firmat e Trajkovsk\u00ebs, dhe jo tek un\u00eb. Ky \u00ebsht\u00eb parimi i k\u00ebtij grupi kriminel\u00ebsh \u2013 edhe pse nuk ka marr\u00ebveshje p\u00ebr huadh\u00ebnie, nuk kemi k\u00ebrkuar kredi pas nuk kishim nevoj\u00eb, p\u00ebrs\u00ebri jemi futur n\u00eb borxhe. \u00a0Kjo praktikisht dometh\u00ebn\u00eb se dikush na ka mashtruar, ka kryer vepra penale me t\u00eb dh\u00ebnat tona nga banka, madje ka siguruar edhe garanci n\u00ebp\u00ebrmjet \u201cFershped\u201d-it pa dijenin\u00eb ton\u00eb, p\u00ebrfundon Murov, n\u00eb pritje q\u00eb dikush p\u00ebrfundimisht t\u00eb ndal k\u00ebto mashtrues.<\/div>\n<div><\/div>\n<div><b>PROKURORIA \u00cbSHT\u00cb N\u00cb RRUG\u00cb P\u00cbR T\u00cb ZBULUAR KRIM SERIOZ MILION\u00cbSH<\/b><\/div>\n<div><\/div>\n<div>Lista e firmave t\u00eb mashtruara \u00ebsht\u00eb m\u00eb e gjat\u00eb. Vazhdimisht n\u00eb Policin\u00eb Financiare arrijn\u00eb paraqitje t\u00eb reja nga qytetar\u00eb dhe pronar\u00eb t\u00eb firmave q\u00eb jan\u00eb shtyr\u00eb n\u00eb rrethin. Ata vet\u00eb e quajn\u00eb at\u00eb sistem i huamarr\u00ebsve, q\u00eb sh\u00ebrbejn\u00eb p\u00ebr nevoja t\u00eb huaja.<\/div>\n<div>Megjithat\u00eb, Todorov, nuk ka pritur q\u00eb gj\u00ebrat t\u00eb rregullohen vet\u00eb. Kur Murov ju ka afruar me q\u00ebllim t\u00eb pyes\u00eb kur do t\u00eb kthej\u00eb huan, ai menj\u00ebher\u00eb ka dyshuar p\u00ebr mashtrim. At\u00ebher\u00eb ka kuptuar q\u00eb t\u00eb pun\u00ebsuar n\u00eb Bank\u00ebn Komerciale di\u00e7ka po \u201cqullosin\u201d. Nuk e ka pasur t\u00eb qart\u00eb si nj\u00eb punonj\u00ebs bankar Tvrtkoviq e ka siguruar Murov-in q\u00eb \u201cKubus\u201d-i ka nevoj\u00eb p\u00ebr hua, nd\u00ebrsa pastaj do t\u00eb japin nj\u00eb kredi q\u00eb t\u00eb e kthej\u00eb. I zem\u00ebruar p\u00ebr k\u00ebt\u00eb hap t\u00eb bank\u00ebs, Todorov ka parashtruar paraqitje n\u00eb MPB.<\/div>\n<div>P\u00ebrndryshe, n\u00eb rastin me \u201cKubus\u201d, kompania ka k\u00ebrkuar kredi p\u00ebr materiale nd\u00ebrtimore. Banka Komerciale i ka aprovuar, por n\u00eb vend t\u00eb 150 milion denar\u00ebve t\u00eb k\u00ebrkuar, i ka dh\u00ebn\u00eb 400 milion! Dallimi, si\u00e7 pohon Todorov, pa mos ditur n\u00eb \u201cKubus\u201d, ka qen\u00eb transferuar n\u00eb firma, bashk\u00ebpun\u00ebtore t\u00eb Bank\u00ebs.<\/div>\n<div>\u00ac- Kjo do t\u00eb thot\u00eb q\u00eb n\u00ebnshkrimet e mia i kan\u00eb p\u00ebrdorur, si dhe dokumentet e mia p\u00ebr t\u00eb transferuar t\u00eb hollat n\u00eb llogarit\u00eb e tyre. Nd\u00ebrsa pastaj kredia m\u00eb mbetet mua. Drejtoria kund\u00ebr larjes s\u00eb t\u00eb hollave ka p\u00ebrcaktuar q\u00eb kompanit\u00eb q\u00eb tani jan\u00eb n\u00ebn hetim dhe jan\u00eb t\u00eb dyshuar q\u00eb kan\u00eb marr\u00eb pjes\u00eb n\u00eb mashtrimet q\u00eb kan\u00eb p\u00ebrdorur t\u00eb hollat p\u00ebr mbyllje t\u00eb kredive t\u00eb veta dhe k\u00ebrkesa t\u00eb firmave q\u00eb m\u00eb von\u00eb kalojn\u00eb n\u00eb falimentim. Ashtu edhe k\u00ebto t\u00eb holla q\u00eb nj\u00ebher\u00eb m\u00eb kan\u00eb transferuar mua dhe pastaj si hua kan\u00eb kaluar n\u00eb firma tjera, dhe ne nuk e kemi pasur iden\u00eb p\u00ebr at\u00eb, thot\u00eb Todorov.<\/div>\n<div>Praktikisht, t\u00eb gjith\u00eb q\u00eb kan\u00eb besuar n\u00eb punonj\u00ebsit e bank\u00ebs tani jan\u00eb t\u00eb mashtruar. P\u00ebr rastet din\u00eb edhe Banka Popullore, q\u00eb ka mekanizma dhe obligim t\u00eb b\u00ebj\u00eb kontroll mbi pun\u00ebn e bankave, por edhe Prokuroria Publike, e cila nuk guxon t\u00eb hesht. Atje gjendet padia penale nga MPB kund\u00ebr 36 persona dhe firma, pjes\u00ebmarr\u00ebs n\u00eb shoq\u00ebrimin kriminel. Sipas paraqitjes n\u00eb MPB, Sasha Tvrtkoviq, Kiraca Trajkovska, Ko\u00e7o Mocan, Kosta Mlladenovski, Fershped\u201d, \u201cMakoshped\u201d, \u201cTehnometal Vardar\u201d, Lotaria e Maqedonis\u00eb&#8230;gjat\u00eb shtat\u00eb viteve kan\u00eb organizuar kredi p\u00ebr firmat e d\u00ebmtuara, t\u00eb cilat jan\u00eb dh\u00ebn\u00eb n\u00ebn ndikim t\u00eb shoq\u00ebrimit kriminel, an\u00ebtar\u00ebt e Bank\u00ebs Komerciale, Ohridska Banka, Uni Banka dhe Invest (tani Shparkase) Banka, me q\u00ebllim q\u00eb disa shoq\u00ebri t\u00eb p\u00ebrfitohen me mjete kriminele. Andaj jan\u00eb krijuar sisteme p\u00ebr huamarrje dhe huadh\u00ebnie, si dhe marr\u00ebdh\u00ebnie fiktive hua-konfidenciale.<\/div>\n<div>Tani do t\u00eb b\u00ebhet hetim ekspert p\u00ebr t\u00eb zbuluar gjitha relacionet mes bank\u00ebs dhe firmat dhe personat e p\u00ebrfshir\u00eb dhe t\u00eb vler\u00ebsohen demet e firmave t\u00eb d\u00ebmtuara. Kryesore do t\u00eb jet\u00eb t\u00eb zbulohet si jan\u00eb aprovuar kredit\u00eb dhe kush ka falsifikuar dokumentacionin? Megjithat\u00eb, paraprakisht do te duhet t\u00eb eksperti i caktuar Kire Kostov t\u00eb largohet nga procesi sepse m\u00eb her\u00eb ka qen\u00eb drejtori ekzekutiv i dyt\u00eb n\u00eb \u201cDomatti\u201d nga Sveti Nikole, nd\u00ebrsa ajo firm\u00eb \u00ebsht\u00eb n\u00eb list\u00ebn e t\u00eb paditurve. P\u00ebr k\u00ebt\u00eb \u00ebsht\u00eb informuar edhe Komisioni Kund\u00ebr-Korrupsionit, e cila ende nuk \u00ebsht\u00eb shprehur. T\u00eb gjitha k\u00ebto raste jan\u00eb paraqitur edhe n\u00eb organizat\u00ebn joqeveritare \u201cTransparensi Internesh\u00ebn\u00ebll\u201d.<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><b>EDHE FUNKSIONAR\u00cb POLITIK T\u00cb P\u00cbRFSHIR\u00cb N\u00cb KREDITIMIN E FSHEHUR<\/b><\/div>\n<div><\/div>\n<div>Nj\u00eb rast tjet\u00ebr me kredi nga Banka Komerciale ka paraqitur n\u00eb \u201cTransparensi\u201d edhe Mito Mitanovski nga K\u00ebr\u00e7ova. Ai ka bler\u00eb firm\u00ebn \u201cTane Celevski\u201d n\u00eb faz\u00ebn e falimentimit me gjith\u00eb pron\u00ebn. Ajo \u00ebsht\u00eb treguar si nj\u00eb mund\u00ebsi e mir\u00eb p\u00ebr t\u00eb fuqishmit lokal t\u00eb mashtrojn\u00eb Mitanovski.<\/div>\n<div>\u2013 Ish kryetari i komun\u00ebs s\u00eb K\u00ebr\u00e7ov\u00ebs, Vlladimir Toleski, i Vratnic\u00ebs, Van\u00e7o Srbakovski, profesori n\u00eb Oh\u00ebr Sofroenie Miladinovski dhe disa tjer\u00eb m\u00eb mashtruan t\u00eb marr nj\u00eb kredi p\u00ebr t\u00eb filluar s\u00ebrish firm\u00ebn q\u00eb kam bler\u00eb. Nuk e di n\u00eb \u00e7far\u00eb m\u00ebnyre ishte rregulluar kredia n\u00eb Bank\u00ebn Komerciale p\u00ebr t\u00eb marr\u00eb t\u00eb hollat q\u00eb dit\u00ebn tjet\u00ebr. N\u00eb hipotek\u00eb kam vendosur gjitha repartet dhe t\u00eb patundurat, por n\u00eb vend q\u00eb un\u00eb t\u00eb merrem me t\u00eb hollat e kredis\u00eb, ata kalojn\u00eb n\u00eb llogarin\u00eb e kompanis\u00eb \u201cMetalika\u201d, q\u00eb at\u00ebher\u00eb \u00ebsht\u00eb formuar nga personat e p\u00ebrmendur lart\u00eb. Shuma e kredis\u00eb ishte 1 milion dhe 400 mij\u00eb euro! Do t\u00eb thot\u00eb, \u201cMetalika\u201d k\u00ebrkon kredi, nd\u00ebrsa n\u00eb i l\u00eb garanci bank\u00ebs. N\u00eb at\u00eb m\u00eb kan\u00eb detyruar persona t\u00eb dhunsh\u00ebm lokal t\u00eb mb\u00ebshtetur nga policia, q\u00eb m\u00eb jan\u00eb k\u00ebrc\u00ebnuar dhe m\u00eb kan\u00eb shantazhuar, dhe un duheshe t\u00eb firmos gjith\u00e7ka q\u00eb m\u00eb than\u00eb, transmeton Mitanovski p\u00ebrvoj\u00ebn personale. Pastaj vijon loja e njohur. \u201cMetalika\u201d nuk e kthen kredin\u00eb, por p\u00ebr at\u00eb jan\u00eb b\u00ebr\u00eb ankese dhe jan\u00eb zgjeruar, nj\u00ebher\u00eb n\u00eb mjete themelore dhe pastaj n\u00eb mjete n\u00eb qarkullim, pa mos ditur Mitanovski dhe kan\u00eb arritur deri m\u00eb 2 \u00a0milion euro! Logjike \u00ebsht\u00eb q\u00eb Banka Komerciale ka aktivizuar hipotek\u00ebn dhe i ka marr\u00eb gjith\u00eb pron\u00ebn Mitanovski-t. Ndon\u00ebse n\u00eb hipotek\u00eb kan\u00eb qen\u00eb vet\u00ebm objektet nd\u00ebrtimore, ai s\u00ebrish ka mbetur edhe pa pajisjen dhe rezervat, p\u00ebr t\u00eb cilat pohon q\u00eb vlera ka qen\u00eb mbi 3 milion euro.<\/div>\n<div>&#8211; Ka pasur edhe nj\u00eb mas\u00eb t\u00eb p\u00ebrkohshme t\u00eb ndales\u00ebs s\u00eb tjet\u00ebrsimit t\u00eb pron\u00ebs, edhe ajo ishte konfirmuar nga Gjykata e Apelit, por kamion\u00eb pa targa, inspektor\u00eb me disa distinktiv\u00eb, sigurues dhe persona t\u00eb dhunsh\u00ebm t\u00eb shumt\u00eb, vazhdimisht kan\u00eb marr\u00eb pajisjen. Un\u00eb duheshe t\u00eb paraqes nj\u00eb padi kund\u00ebr \u201cMetalika\u201d dhe Bank\u00ebn Komerciale p\u00ebr d\u00ebmin e b\u00ebr\u00eb sepse hipoteka nuk kishte t\u00eb b\u00ebj\u00eb me pron\u00ebn e l\u00ebvizshme. P\u00ebr shpenzimin e t\u00eb hollave nuk kam pasur asnj\u00eb kontroll, madje as njoftim. N\u00eb k\u00ebrkes\u00eb timen erdh\u00ebn p\u00ebrfaq\u00ebsuesit e bank\u00ebs t\u00eb b\u00ebjn\u00eb kontroll n\u00eb teren dhe kan\u00eb p\u00ebrfunduar q\u00eb e gjith\u00eb pajisja \u00ebsht\u00eb atje, q\u00eb nuk \u00ebsht\u00eb e v\u00ebrtet\u00eb, dhe p\u00ebr secil\u00ebn cop\u00eb t\u00eb mallit t\u00eb marr\u00eb nuk ka paguar TVSH ndaj shtetit, ankohet Mitanovski.<\/div>\n<div>Pasi q\u00eb Banka Komerciale b\u00ebhet pronar i pron\u00ebs s\u00eb Mitanovski, e jep me qira v\u00ebllait t\u00eb Serbakovski, ish drejtuesit t\u00eb \u201cMetalika\u201d. P\u00ebr padin\u00eb e dh\u00ebn\u00eb ende nuk ka rezultat sepse procesi vonohet me vite q\u00eb vet\u00ebm konfirmon se n\u00eb skem\u00ebn e kredive me banka jan\u00eb p\u00ebrfshir\u00eb shum\u00eb nga institucionet shtet\u00ebrore, madje edhe nga gjyq\u00ebsori. Kjo \u00ebsht\u00eb nj\u00eb pjes\u00eb e vog\u00ebl e p\u00ebrfshirjes s\u00eb bankave n\u00eb larjen e organizuar t\u00eb parave. Mitanovski disponon me dokumente dhe d\u00ebshmi si m\u00eb tutje ka rrjedh\u00eb e gjith\u00eb skema e organizuar n\u00ebp\u00ebr mozaik\u00ebt gjyq\u00ebsor t\u00eb mbrojtura nga Banka Komerciale. Prandaj, Mitanovski pyet n\u00ebse aksionar\u00ebt e Bank\u00ebs Komerciale jan\u00eb t\u00eb vet\u00ebdijsh\u00ebm se ku mbarojn\u00eb miliona eurot?<\/div>\n<div>Praktikisht, fundi i hetimit me siguri do t\u00eb tregoj\u00eb q\u00eb me an\u00eb t\u00eb firmave t\u00eb mashtruara \u00ebsht\u00eb b\u00ebr\u00eb kreditim i tjer\u00ebve. P\u00ebr k\u00ebt\u00eb edhe bankat duhet t\u00eb din\u00eb. Me kreditimin e fshehur, nga ana tjet\u00ebr, jan\u00eb mbuluar edhe vrima tjera n\u00eb firmat, q\u00eb pastaj me vet\u00ebdije kan\u00eb kaluar n\u00eb falimentim. Nj\u00eb pjes\u00eb e k\u00ebtyre firmave ka pjes\u00eb shtet\u00ebrore n\u00eb kapitalin dhe prandaj ka dyshime q\u00eb edhe shteti \u00ebsht\u00eb d\u00ebmtuar me qindra milion euro.<\/div>\n<div><\/div>\n<div><\/div>\n<div><b>JAN\u00cb FSHEHUR MEKANIZMAT \u00a0E MBROJTUR T\u00cb BANKAVE<\/b><\/div>\n<div><\/div>\n<div>K\u00ebto raste t\u00eb caktuara, q\u00eb nuk jan\u00eb t\u00eb vet\u00ebm dhe hapin t\u00eb v\u00ebrtet\u00ebn me kredit\u00eb e fshehura, jan\u00eb konfirmim q\u00eb kan\u00eb fshehur gjitha mekanizmat p\u00ebr kontroll t\u00eb bankave, por edhe n\u00eb Bank\u00ebn Popullore. Bankat praktikisht kan\u00eb obligim ligjor t\u00eb zbulojn\u00eb, parandalojn\u00eb keqp\u00ebrdorimet me kredit\u00eb nga t\u00eb pun\u00ebsuarit, ve\u00e7an\u00ebrisht n\u00eb k\u00ebto raste kur b\u00ebhet fjal\u00eb p\u00ebr persona t\u00eb lidhura, si t\u00eb menaxhimit ashtu edhe financiare, dhe ajo sipas rregull\u00ebs duhet t\u00eb jet\u00eb nj\u00eb indikator i detyruesh\u00ebm p\u00ebr rrezik. Nj\u00eb fakt \u00ebsht\u00eb me k\u00ebto shuma t\u00eb m\u00ebdha t\u00eb kredive banka nuk do t\u00eb mund t\u00eb jepte pa njohurin\u00eb e organeve menaxhuese. Me tep\u00ebr shqet\u00ebson lidhja n\u00eb prapavij\u00eb mes bankave pa njohurin\u00eb dhe aprovimin e klient\u00ebve t\u00eb tyre. K\u00ebto raste mund t\u00eb rrezikojn\u00eb pun\u00ebn e besueshme t\u00eb bankave, ve\u00e7an\u00ebrisht Bank\u00ebs Komerciale. Sektori financiar \u00ebsht\u00eb i ndjesh\u00ebm, dhe k\u00ebto shkelje mund t\u00eb sjellin pasoja p\u00ebr kursyesit. Nuk mjafton q\u00eb bankieri Tvertkoviq \u00ebsht\u00eb i dyshuar, por duhet t\u00eb kthehen mbrapa gjitha t\u00eb hollat e marra n\u00eb m\u00ebnyr\u00eb t\u00eb paligjshme.<\/div>\n<div><\/div>\n<div>\u00a0<b><i>Autor: Ljubisha ARSI\u00c7<\/i><\/b><\/div>\n<div><b><i>\u00a0<\/i><\/b><\/div>\n<div><\/div>\n<div>\u00a0<b><i>Transparensi Internesh\u00ebn\u00ebll Maqedonia zbaton projektin \u201cP\u00ebrfaq\u00ebsimi i mbrojtjes s\u00eb lajm\u00ebruese, p\u00ebrfshir\u00eb mediet dhe shoq\u00ebrin\u00eb civile\u201d i p\u00ebrkrahur nga Ambasada e Mbret\u00ebris\u00eb s\u00eb Holand\u00ebs. \u00a0<\/i><\/b><\/div>\n<div><b><i>\u00a0<\/i><\/b><\/div>\n<div><b><i>Storia hulumtuese \u00ebsht\u00eb p\u00ebrgatitur n\u00eb suaza t\u00eb projektit, dhe nuk pasqyron q\u00ebndrimet e Ambasad\u00ebs s\u00eb Mbret\u00ebris\u00eb s\u00eb Holand\u00ebs.<\/i><\/b><\/div>\n","protected":false},"excerpt":{"rendered":"<p>06.05.2016 Kiraca Trajkovska nga \u201cFershped\u201d me ndihm\u00ebn e n\u00ebpun\u00ebsve bankar\u00eb n\u00eb Komercijalna banka, ka marr pjes\u00eb n\u00eb skem\u00eb financiare p\u00ebr miratim t\u00eb kredive p\u00ebr biznesmen\u00eb, t\u00eb cil\u00ebt aspak nuk i kan\u00eb p\u00ebrdorur parat\u00eb, por n\u00eb fund jan\u00eb futur n\u00eb borxhe prej m\u00eb shum\u00eb qindra mij\u00eb euro pasi \u00ebsht\u00eb dashur ti kthejn\u00eb. N\u00eb raste t\u00eb ngjashme,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":9688,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[90],"tags":[],"class_list":["post-9763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-90","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PUNONJ\u00cbSIT BANKAR\u00cb HE BIZNESMEN\u00cbT MASHTRUES ME KREDI - Transparency International<\/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:\/\/transparency.mk\/sq\/2016\/05\/06\/punonjesit-bankare-he-biznesmenet-mashtrues-me-kredi\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PUNONJ\u00cbSIT BANKAR\u00cb HE BIZNESMEN\u00cbT MASHTRUES ME KREDI - Transparency International\" \/>\n<meta property=\"og:description\" content=\"06.05.2016 Kiraca Trajkovska nga \u201cFershped\u201d me ndihm\u00ebn e n\u00ebpun\u00ebsve bankar\u00eb n\u00eb Komercijalna banka, ka marr pjes\u00eb n\u00eb skem\u00eb financiare p\u00ebr miratim t\u00eb kredive p\u00ebr biznesmen\u00eb, t\u00eb cil\u00ebt aspak nuk i kan\u00eb p\u00ebrdorur parat\u00eb, por n\u00eb fund jan\u00eb futur n\u00eb borxhe prej m\u00eb shum\u00eb qindra mij\u00eb euro pasi \u00ebsht\u00eb dashur ti kthejn\u00eb. 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