Why is the guilt phenomenon still taking place?

People who need money but cannot provide these from their relatives or even loans for lack of meeting conditions are forced to take advantage of the payment, whose interest amounts to 20%.

But according to the law, granting money by default said otherwise, with interest outside the banking system, is illegal. But why has it become a phenomenon in our country, and then there's criminal events like the cases discovered in Shkodra?

Former chief against financial crimes, Arjan Hoxha, explains why even the business is forced to take money by file.

<x0). Organised crime puts them in a position to freely carry out their activities and offers them, in a very fast moment, to see themselves as impossible to respond to this bar and see themselves in a vortex1.

Hoxha, says the source of money from the file is derived from illegal activities.

The chairmanship of criminal activity in the field of organised crime, mainly drug trafficking, but also other serious acts. The charge of income from this illegal activity in their hands and their attempt to make this money legal money”.

Economics expert Besart Kadia explains that this phenomenon affects the borrowing market negatively.

This deorients the borrowing market in Albania, makes it less competitive and distorts it. It frightens him, as it were, over the long term client to address the banking system or take risks in the future”, says economics expert.

Cadia also shows how it can be influenced to reduce the guilt phenomenon.

The only thing that can be done is a greater public management, on the part of relevant institutions, on the part of the government, but also on the part of institutions of oversight such as the central bank to explain this phenomenon”, concludes Cadia.