{"id":1255,"date":"2010-01-14T04:39:25","date_gmt":"2010-01-14T03:39:25","guid":{"rendered":"http:\/\/fjala.shkoder.net\/?p=1255"},"modified":"2010-01-14T04:39:25","modified_gmt":"2010-01-14T03:39:25","slug":"pensionet-private-dhe-ligji-i-ri","status":"publish","type":"post","link":"https:\/\/fjala.info\/2009-2015\/pensionet-private-dhe-ligji-i-ri\/","title":{"rendered":"Pensionet private dhe ligji i ri"},"content":{"rendered":"

Naim HASA<\/strong>*, 13.01.2010<\/em> <\/p>\n

N\u00eb muajin dhjetor, Kuvendi i Shqip\u00ebris\u00eb miratoi ligjin nr.10197, dat\u00eb 10.12.2009 \u201cP\u00ebr Fondet e Pensioneve Vullnetare\u201d. Par\u00eb n\u00eb k\u00ebndv\u00ebshtrimin e zhvillimit t\u00eb tregut t\u00eb pensioneve, miratimi i k\u00ebtij ligji, sjell nj\u00eb s\u00ebr\u00eb avantazhesh n\u00eb raport me ligjin e m\u00ebparsh\u00ebm. Ky ligj, me d\u00ebshir\u00ebn e mir\u00eb p\u00ebr t\u00eb zhvilluar fondet private t\u00eb pensioneve, b\u00ebn nj\u00eb ndryshim rr\u00ebnj\u00ebsor n\u00eb fush\u00ebn e organizimit, administrimit dhe funksionimit t\u00eb fondeve private t\u00eb pensioneve, duke rritur sigurin\u00eb, garancin\u00eb e k\u00ebtyre fondeve dhe si rrjedhim interesin ndaj tyre.
\nN\u00eb k\u00ebt\u00eb aspekt, ky ligj sjell disa ndryshime pozitive n\u00eb tregun e pensioneve private;
\nS\u00eb pari. \u00cbsht\u00eb nj\u00eb ligj bashk\u00ebkohor q\u00eb reflekton eksperienc\u00ebn, tashm\u00eb disa vje\u00e7are t\u00eb zbatimit n\u00eb praktik t\u00eb ligjit t\u00eb pensioneve n\u00eb disa vende t\u00eb Evrop\u00ebs Lindore. M\u00eb konkretisht t\u00eb Polonis\u00eb, \u00c7ekis\u00eb, Sllovenis\u00eb, t\u00eb Maqedonis\u00eb, si dhe eksperienc\u00ebn e pak\u00ebt t\u00eb zhvillimeve n\u00eb vendin ton\u00eb.
\nKy ligj rregullon veprimtarin\u00eb e Fondit t\u00eb Pensionit Vullnetar me kontribute t\u00eb p\u00ebrcaktuara, me plan individual dhe profesional, ku nj\u00eb plan pensioni mund t\u00eb ket\u00eb m\u00eb shum\u00eb se nj\u00eb produkt (pension).
\nFunksionimi i k\u00ebtij ligji, nga pik\u00ebpamja e administrimit kalon n\u00eb tre nivele.
\nNiveli i par\u00eb: Fondi i Pensionit, i cili p\u00ebrb\u00ebhet nga nj\u00eb grup asetesh n\u00eb pron\u00ebsi t\u00eb an\u00ebtar\u00ebve t\u00eb fondit, krijuar mbi baz\u00eb kontratash, ku secili an\u00ebtar ka pjes\u00ebn e tij. N\u00eb asetet e fondit p\u00ebrfshihen kontributet e derdhura dhe fitimi neto i realizuar nga investimi i tyre. \u00c7do an\u00ebtar ka nj\u00eb kuot\u00eb q\u00eb p\u00ebrfaq\u00ebson pjes\u00ebn e pron\u00ebsis\u00eb s\u00eb tij, n\u00eb asetet e Fondit t\u00eb Pensionit.
\nSipas Ligjit, kemi dy lloje fondesh pensioni.
\nA) Fondi i Pensionit Vullnetar, q\u00eb p\u00ebrfaq\u00ebson bashk\u00ebsin\u00eb e individ\u00ebve fizik\u00eb, t\u00eb cil\u00ebt mund t\u00eb marrin pjes\u00eb n\u00eb nj\u00eb apo disa plane pensioni. N\u00eb k\u00ebt\u00eb rast, midis individit dhe Shoq\u00ebris\u00eb Administruese t\u00eb Fondit t\u00eb Pensionit lidhet nj\u00eb kontrat\u00eb, ku p\u00ebrcaktohen kushtet dhe detyrimet q\u00eb kan\u00eb pal\u00ebt, p\u00ebr t\u00eb p\u00ebrfituar pension vullnetar.
\nPjes\u00ebmarr\u00ebs n\u00eb nj\u00eb Fond Pensioni, mund t\u00eb jet\u00eb \u00e7do individ, pavar\u00ebsisht nga vendbanimi, mosha, madh\u00ebsia e kontributit, etj., vet\u00ebm pasi ka lidhur m\u00eb par\u00eb kontrat\u00ebn me Fondin.
\nAn\u00ebtari i Fondit t\u00eb Pensionit ka t\u00eb drejt\u00eb:
\nt\u00eb marr\u00eb pensionin mujor vullnetar, 5 vjet p\u00ebrpara se t\u00eb mbush\u00eb mosh\u00ebn p\u00ebr pension sipas ligjit \u201cP\u00ebr Sigurimet Shoq\u00ebrore\u201d;
\nte marr\u00eb pensionin mujor vullnetar, kur b\u00ebhet i paaft\u00eb n\u00eb pun\u00eb n\u00eb m\u00ebnyr\u00eb t\u00eb p\u00ebrhershme;
\nkur largohet nga jeta para mbushjes s\u00eb mosh\u00ebs s\u00eb pensionit, trash\u00ebgimtar\u00ebt p\u00ebrfitojn\u00eb asetet e akumuluara;
\nKur dhe n\u00eb \u00e7do koh\u00eb q\u00eb d\u00ebshiron t\u00eb b\u00ebj\u00eb t\u00ebrheqje t\u00eb parakohshme.
\nT\u00eb transferoj\u00eb n\u00eb \u00e7do moment, asetet e tij n\u00eb fonde t\u00eb tjera pensioni.
\nB)Fond Pensioni Profesional: q\u00eb p\u00ebrfaq\u00ebson d\u00ebshir\u00ebn e pun\u00ebdh\u00ebn\u00ebsit privat ose shtet\u00ebror, t\u00eb siguroj\u00eb tek nj\u00eb Fond Pensioni punonj\u00ebsit e tij, me nj\u00eb plan pensioni profesional. N\u00eb k\u00ebt\u00eb rast, midis pun\u00ebdh\u00ebn\u00ebsit dhe Shoq\u00ebris\u00eb Administruese t\u00eb Fondit t\u00eb Pensionit lidhet nj\u00eb kontrat\u00eb aderimi, ku specifikohen kushtet q\u00eb duhet t\u00eb plot\u00ebsojn\u00eb t\u00eb dy pal\u00ebt, emrat e personave q\u00eb do t\u00eb p\u00ebrfitojn\u00eb nga kjo marr\u00ebveshje, masa e kontributit mujor, afati kohor, etj. N\u00eb k\u00ebt\u00eb rast, pjes\u00ebmarrja n\u00eb planin e pensionit, mund t\u00eb jet\u00eb trellojshe; kolektive, individuale dhe e kombinuar.
\nPlan Pensioni Kolektiv: ku pun\u00ebdh\u00ebn\u00ebsi obligohet t\u00eb paguaj\u00eb t\u00ebr\u00ebsisht kontributet p\u00ebr pension vullnetar n\u00eb em\u00ebr t\u00eb punonj\u00ebsve t\u00eb tij. N\u00eb k\u00ebt\u00eb rast, midis pun\u00ebdh\u00ebn\u00ebsit dhe pun\u00ebmarr\u00ebsve lidhet nj\u00eb kontrat\u00eb, aneks e kontrat\u00ebs s\u00eb pun\u00ebs. N\u00eb aneks kontrat\u00eb specifikohen kushtet q\u00eb pun\u00ebmarr\u00ebsi duhet t\u00eb plot\u00ebsoj\u00eb n\u00eb marr\u00ebdh\u00ebniet e pun\u00ebs, p\u00ebr t\u00eb p\u00ebrfituar nga marr\u00ebveshja e aderimit.
\nPlan Pensioni Individuale, ku pun\u00ebmarr\u00ebsit marrin p\u00ebrsip\u00ebr t\u00eb paguaj\u00eb gjith\u00eb kuot\u00ebn e kontributit p\u00ebr pension vullnetare nga t\u00eb ardhurat e tyre personale.
\nPlan Pensioni i Kombinuar, ku kontributet p\u00ebr pension vullnetar paguhen pjes\u00ebrisht nga pun\u00ebdh\u00ebn\u00ebsi, pjes\u00ebrisht nga pun\u00ebmarr\u00ebsi, n\u00eb p\u00ebrqindje sipas d\u00ebshir\u00ebs. Edhe n\u00eb k\u00ebt\u00eb rast, midis pun\u00ebdh\u00ebn\u00ebsit dhe pun\u00ebmarr\u00ebsve p\u00ebr pjes\u00ebn e pun\u00ebdh\u00ebn\u00ebsit lidhen aneks kontrata.
\nNiveli i dyt\u00eb. Shoq\u00ebria Administruese. Sipas ligjit, Fondi i Pensionit Vullnetar do t\u00eb administrohet nga Shoq\u00ebria Administruese, e cila themelohet si shoq\u00ebri aksionere, n\u00eb p\u00ebrputhje me ligjin \u201cP\u00ebr Shoq\u00ebrit\u00eb Tregtare\u201d. Shoq\u00ebria p\u00ebr t\u00eb administruar nj\u00eb ose disa plane pensioni, duhet t\u00eb licensohet nga Autoriteti i Mbik\u00ebqyrjes Financiare. P\u00ebr k\u00ebt\u00eb duhet t\u00eb plot\u00ebsoj\u00eb disa k\u00ebrkesa kryesore:
\nShoq\u00ebria administruese duhet t\u00eb themelohet si shoq\u00ebri aksionere me koh\u00ebzgjatje t\u00eb pakufizuar, ku jo m\u00eb pak se 51% e aksioneve, t\u00eb zot\u00ebrohen nga nj\u00eb bank\u00eb ose institucion financiar.
\nShoq\u00ebria Administruese duhet t\u00eb ket\u00eb nj\u00eb kapital minimalisht prej 15.625 mij\u00eb lek\u00eb. Kur vlera e aseteve kalon 31.2 miliard\u00eb lek\u00eb, kapitali duhet rritur me 0.02 % t\u00eb vler\u00ebs s\u00eb aseteve.
\nShoq\u00ebria Administruese duhet t\u00eb ket\u00eb si funksion kryesor mbledhjen e kontributeve dhe investimin e tyre. Por, n\u00eb raste t\u00eb ve\u00e7anta, kjo shoq\u00ebri ka t\u00eb drejt\u00eb t\u00eb kryej\u00eb edhe veprimtarin\u00eb e administrimit t\u00eb Fondeve t\u00eb Investimit dhe t\u00eb Aseteve t\u00eb Fondit t\u00eb Pensionit, me kusht q\u00eb t\u00eb jet\u00eb licencuar p\u00ebr k\u00ebt\u00eb veprimtari nga Autoriteti.
\nShoq\u00ebria Administruese duhet t\u00eb administroj\u00eb Fondin e Pensionit Vullnetar me nj\u00eb kosto q\u00eb nuk kalon 3% t\u00eb aseteve t\u00eb Fondit.
\nNiveli i tret\u00eb. Depozitari, \u00ebsht\u00eb nj\u00eb bank\u00eb e licencuar nga Banka e Shqip\u00ebris\u00eb p\u00ebr t\u00eb ofruar sh\u00ebrbime kujdestarie e miratuar nga Autoriteti i Mbik\u00ebqyrjes Financiare me propozim t\u00eb Shoq\u00ebris\u00eb Administruese.
\nDepozitari \u00ebsht\u00eb gjithashtu p\u00ebrgjegj\u00ebs p\u00ebr ruajtjen e aseteve t\u00eb fondit. Ai ka k\u00ebto detyra kryesore:
\nInformon periodikisht mbi vler\u00ebn neto t\u00eb aseteve, Shoq\u00ebrin\u00eb Administruese;
\nKontrollon administrimin e aseteve nga Shoq\u00ebria Administruese, n\u00eb \u00ebsht\u00eb n\u00eb p\u00ebrputhje me legjislacionin n\u00eb fuqi;
\nSiguron q\u00eb transaksionet e kryera nga Shoq\u00ebria Administruese, t\u2019i kthehen Fondit;
\nSiguron q\u00eb t\u00eb ardhurat e fondit shp\u00ebrndahen sipas kontratave dhe legjislacionit n\u00eb fuqi;
\nS\u00eb dyti, Ligji i ri, b\u00ebn m\u00eb t\u00eb interesuara pal\u00ebt pjes\u00ebmarr\u00ebse n\u00eb plane pensioni vullnetar. Si aderuesit, ashtu dhe p\u00ebrfituesit favorizohen nga ana fiskale.
\nLeht\u00ebsirat tatimore t\u00eb kontributeve t\u00eb an\u00ebtar\u00ebve t\u00eb fondit t\u00eb pensionit.
\nKontributi i b\u00ebr\u00eb nga \u00e7do an\u00ebtar i nj\u00eb fondi pensioni zbritet nga t\u00eb ardhurat personale t\u00eb tij p\u00ebr efekt tatimi.
\nFitimi q\u00eb realizohet nga investimi nuk i n\u00ebnshtrohen tatimit, as p\u00ebr vet\u00eb fondin e pensionit dhe as p\u00ebr shoq\u00ebrin\u00eb administruese.
\nKontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi, n\u00eb em\u00ebr dhe p\u00ebr llogari t\u00eb an\u00ebtarit t\u00eb nj\u00eb fondi pensioni, p\u00ebr efekte fiskale, nuk konsiderohen si t\u00eb ardhura personale.
\nKontributet e paguara nga an\u00ebtari nuk p\u00ebrfshihen n\u00eb totalin e t\u00eb ardhurave p\u00ebr q\u00ebllime t\u00eb llogaritjes s\u00eb kontributeve t\u00eb sigurimeve shoq\u00ebrore e sh\u00ebndet\u00ebsore.
\nBlerja e kuotave t\u00eb nj\u00eb fondi pensioni konsiderohet sh\u00ebrbim financiar dhe si rrjedhoj\u00eb \u00ebsht\u00eb e p\u00ebrjashtuar nga TVSH-ja.
\nSh\u00ebrbimet e ofruara nga Depozitari p\u00ebr shoq\u00ebris\u00eb administruese dhe an\u00ebtar\u00ebt e saj, konsiderohen si sh\u00ebrbim financiar dhe si rrjedhoj\u00eb jan\u00eb t\u00eb p\u00ebrjashtuara nga TVSH-ja.
\n2.Trajtimi fiskal i kontributeve t\u00eb b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi.
\nKontributet e b\u00ebra nga pun\u00ebdh\u00ebn\u00ebsi n\u00eb interes t\u00eb pun\u00ebmarr\u00ebsve t\u00eb tij n\u00eb nj\u00eb plan pensioni, konsiderohet si shpenzim i zbritsh\u00ebm n\u00eb llogaritje t\u00eb tatimit mbi fitimin.
\nS\u00eb treti, ligji i ri p\u00ebrcakton disa detyra p\u00ebr fondet ekzistues t\u00eb pensioneve private, t\u00eb detyrueshme p\u00ebr t\u2019i zbatuar brenda nj\u00eb viti nga hyrja n\u00eb fuqi e tij, k\u00ebshtu;
\nInstitutet ekzistuese t\u00eb pensioneve, t\u00eb licencuara n\u00eb p\u00ebrputhje me ligjin nr.7943, dat\u00eb 1.6.1995 \u201cP\u00ebr Pensionet Suplementare dhe Institutet Private t\u00eb Pensioneve\u201d do t\u00eb vazhdojn\u00eb t\u00eb punojn\u00eb sipas kushteve q\u00eb jan\u00eb licencuar.
\nInstitutet ekzistuese, brenda nj\u00eb viti nga data e hyrjes n\u00eb fuqi t\u00eb ligjit t\u00eb ri, duhet t\u00eb plot\u00ebsojn\u00eb kushtet e parashikuara n\u00eb dispozitat e k\u00ebtij ligji. Pas plot\u00ebsimit t\u00eb kushteve dhe brenda vitit nga hyrja ne fuqi e tij, duhet t\u00eb b\u00ebjn\u00eb rinovimin e licenc\u00ebs s\u00eb re.
\nN\u00ebse institutet ekzistuese nuk i plot\u00ebsojn\u00eb kushtet e p\u00ebrcaktuara n\u00eb ligje ose nuk b\u00ebjn\u00eb rinovimin e licenc\u00ebs s\u00eb re brenda vitit nga hyrja n\u00eb fuqi e tij, licenca e dh\u00ebn\u00eb nuk \u00ebsht\u00eb m\u00eb e vlefshme, nga dita e marrjes s\u00eb vendimit t\u00eb Autoritetit. N\u00eb k\u00ebt\u00eb rast, Autoriteti urdh\u00ebron Institutin ekzistues t\u2019i transferoj\u00eb asetet n\u00eb nj\u00eb Institut tjet\u00ebr Pensioni t\u00eb licencuar, ose me d\u00ebshir\u00ebn e an\u00ebtar\u00ebve t\u00eb b\u00ebj\u00eb likuidimin e tyre.
\nP\u00ebrfundimisht mund t\u00eb themi se ligji i ri \u201cP\u00ebr Fondet e Pensioneve Vullnetare\u201d, do t\u2019i jap\u00eb nj\u00eb zhvillim t\u00eb ri pensioneve private n\u00eb Shqip\u00ebri.
\nI r\u00ebnd\u00ebsish\u00ebm \u00ebsht\u00eb edhe fakti se gjat\u00eb diskutimit e miratimit t\u00eb k\u00ebtij ligji, \u00ebsht\u00eb evidentuar nevoja e domosdoshme e zhvillimit t\u00eb sistemit t\u00eb detyruar privat t\u00eb pensioneve.
\nSistemi shtet\u00ebror i sigurimeve shoq\u00ebrore ka problematik\u00ebn e vet. N\u00eb kushtet kur ritmet e lindjes po bien dhe jet\u00ebgjat\u00ebsia mesatare po zgjatet, sistemi i sigurimeve shoq\u00ebrore, po shkon gjithmon\u00eb e m\u00eb shum\u00eb drejt pamund\u00ebsis\u00eb s\u00eb plot\u00ebsimit t\u00eb k\u00ebrkesave financiare p\u00ebr pjes\u00ebn e popullsis\u00eb s\u00eb \u201cmosh\u00ebs\u201d s\u00eb tret\u00eb. Mjafton t\u00eb p\u00ebrmendet nj\u00eb fakt, shkalla e z\u00ebvend\u00ebsimit q\u00eb p\u00ebrfaq\u00ebson raportin midis pensionit mesatar dhe pag\u00ebs mesatare, aktualisht sot ajo \u00ebsht\u00eb jo m\u00eb shum\u00eb se 30 %, kundrejt jo m\u00eb pak se 70-75 % q\u00eb \u00ebsht\u00eb detyrimi ligjor. E gjith\u00eb kjo hap\u00ebsir\u00eb, duhet t\u00eb kompensohet me skemat private t\u00eb pensioneve.
\nDuke ju referuar eksperienc\u00ebs s\u00eb zhvillimit t\u00eb sistemeve t\u00eb pensioneve, ve\u00e7an\u00ebrisht n\u00eb Evrop\u00ebn Lindore, pas viteve \u201895, v\u00ebrehen leht\u00ebsisht dy tendenca ose dy modele, t\u00eb nd\u00ebrtuar n\u00eb mb\u00ebshtetje t\u00eb kushteve konkrete t\u00eb \u00e7do vendi.
\nModeli i par\u00eb dhe m\u00eb i p\u00ebrgjithshmi, sistemi i pensioneve p\u00ebrbehet nga tre skema.
\nSkema e pare – nj\u00eb sistem shtet\u00ebror i detyruesh\u00ebm, PAYG i cili mbulon deri n\u00eb 35-40% t\u00eb shkall\u00ebs s\u00eb z\u00ebvend\u00ebsimit, n\u00ebp\u00ebrmjet kontributeve q\u00eb \u00e7do person q\u00eb ka aktivitet ekonomik duhet t\u00eb paguaj\u00eb n\u00eb k\u00ebt\u00eb skem\u00eb.
\nSkema e dyt\u00eb – sistem privat i detyruar, ku nj\u00eb pjes\u00eb e kontributit t\u00eb p\u00ebrgjithsh\u00ebm i kalon k\u00ebsaj skeme dhe menaxhohet nga Fondet Private t\u00eb Pensioneve. Kjo skem\u00eb mbulon 20-25% t\u00eb pensionit.
\nSkema e trete – sistemi vullnetar privat, i cili mbulon 10-15% t\u00eb pensionit. K\u00ebt\u00eb model e gjejm\u00eb n\u00eb Poloni, Bullgari, Hungari, Kroaci, Estoni, Rumani, Sllovaki, Maqedoni, etj.
\nModeli i dyt\u00eb \u00ebsht\u00eb ai ku, sistemi i p\u00ebrgjithsh\u00ebm p\u00ebrb\u00ebhet nga dy skema pensioni – nga nj\u00eb skem\u00eb baz\u00eb shtet\u00ebrore e konsoliduar mir\u00eb, e cila do t\u00eb p\u00ebrballoj\u00eb 55-60% t\u00eb pensionit dhe nj\u00eb skem\u00eb e sigurimit privat vullnetar t\u00eb zhvilluar, duke i krijuar mund\u00ebsin\u00eb, n\u00ebp\u00ebrmjet leht\u00ebsirave fiskale t\u00eb gjith\u00eb popullsis\u00eb aktive t\u00eb p\u00ebrfshihet n\u00eb t\u00eb, e cila mbulon 15-20% t\u00eb pensionit. K\u00ebt\u00eb sistem t\u00eb mir\u00ebadministruar e gjejm\u00eb n\u00eb \u00c7eki, Slloveni etj.
\nMendoj se drejtimin q\u00eb ka marr\u00eb ekonomia shqiptare, futja graduale e sistemit tre kolon\u00ebsh do ishte efikase, por do t\u00eb k\u00ebrkonte disa modifikime dhe p\u00ebrmir\u00ebsime t\u00eb ligjit baz\u00eb t\u00eb pensioneve.
\nProblematika e sigurimeve shoq\u00ebrore n\u00eb p\u00ebrgjith\u00ebsi dhe ajo e pensioneve n\u00eb ve\u00e7anti, \u00ebsht\u00eb mjaft e gjer\u00eb dhe komplekse, kjo p\u00ebr faktin se me to \u00ebsht\u00eb e lidhur direkt dhe indirekt e t\u00ebr\u00eb popullsia. Mendoj se hapi i par\u00eb, me k\u00ebt\u00eb ligj \u00ebsht\u00eb nd\u00ebrmarr\u00eb, por ai ka nevoj\u00eb t\u00eb shoq\u00ebrohet me masa te tjera t\u00eb r\u00ebnd\u00ebsishme q\u00eb do t\u00eb mb\u00ebshtesnin zhvillimin e k\u00ebtij tregu n\u00eb Shqip\u00ebri.<\/p>\n

*Drejtor i P\u00ebrgjithsh\u00ebm i Pensioneve CAPITAL<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Naim HASA*, 13.01.2010 N\u00eb muajin dhjetor, Kuvendi i Shqip\u00ebris\u00eb miratoi ligjin nr.10197, dat\u00eb 10.12.2009 \u201cP\u00ebr Fondet e Pensioneve Vullnetare\u201d. Par\u00eb n\u00eb k\u00ebndv\u00ebshtrimin e zhvillimit t\u00eb tregut t\u00eb pensioneve, miratimi i k\u00ebtij ligji, sjell nj\u00eb s\u00ebr\u00eb avantazhesh n\u00eb raport me ligjin e m\u00ebparsh\u00ebm. Ky ligj, me d\u00ebshir\u00ebn e mir\u00eb p\u00ebr t\u00eb zhvilluar fondet private t\u00eb pensioneve, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\nPensionet private dhe ligji i ri - FjALA e LIR\u00cb - Arkivi<\/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:\/\/fjala.info\/2009-2015\/pensionet-private-dhe-ligji-i-ri\/\" \/>\n<meta property=\"og:locale\" content=\"sq_AL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pensionet private dhe ligji i ri - FjALA e LIR\u00cb - Arkivi\" \/>\n<meta property=\"og:description\" content=\"Naim HASA*, 13.01.2010 N\u00eb muajin dhjetor, Kuvendi i Shqip\u00ebris\u00eb miratoi ligjin nr.10197, dat\u00eb 10.12.2009 \u201cP\u00ebr Fondet e Pensioneve Vullnetare\u201d. 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