Edukimi Financiar për Përfshirjen Financiare
29 qershor 2018
Rogner Hotel Tirana
Nevoja për edukimin financiar dhe rëndësia e tij për përfshirjen financiare tashmë është pranuar nga të gjithë aktorët e mundshëm, politikë-bërësit, bankierët, praktikantët, studiuesit dhe akademikët anë e mbanë globit. Arritja e një niveli më të lartë të sensibilizimit dhe të kuptuarit për produktet bankare dhe financiare përbën hapin e parë drejt krijimit të kërkesës dhe rritjes së nivelit të përshtatjes. Çështja e kulturës financiare nuk është edhe aq e thjeshtë sa duket. Ka nevojë për të kuptuarit e mangësive në informacion në të gjithë segmentet e konsumatorëve, bankë dhe jo bankë, dhe për hartimin e strategjive të komunikimit që trajtojnë nevojën unike të disa segmenteve specifike. Përveç trajtimit të mangësive në informacion, fokusi duhet të përqendrohet edhe në projektimin e produkteve që përmbushin karakteristikat unike të segmentit të synuar, siç janë niveli i ulët i kulturës financiare, të ardhurat ciklike, niveli minimal i kolateralit, mungesa e historikut të kredive, mungesa e identitetit formal dhe të verifikueshëm, analfabetizmi etj.
Objektivat e aktivitetit
Nëse të gjithë arrijmë të kuptojmë se edukimi financiar gjeneron kërkesa për produkte dhe shërbime financiare, rrjedhimisht do të përshpejtohen hapat drejt përfshirjes financiare, pasi kjo bën të mundur që njerëzit në përgjithësi të kuptojë nevojat dhe përfitimet e produkteve dhe shërbimeve të ofruara nga bankat dhe institucionet financiare. Arsyeja kryesore për përmirësimin e edukimit financiar është ndikimi që ai ka në përfshirjen financiare dhe qëndrueshmërinë e vendit.
Welcoming session: Greeting Speeches
CEO of Intesa Sanpaolo Bank Albania
Mr. Pedrazzi took office as Chief Executive Officer and Board Member of Intesa Sanpaolo Bank Albania on 1st October 2013. Mr. Pedrazzi was previously the Head of Commonwealth of Independent States (CIS) & South Mediterranean Area
Department of Intesa Sanpaolo, in charge to coordinate the Subsidiaries located in the Russian Federation, Ukraine and Egypt. He started his career in the banking sector in 1978 working in different Italian savings banks and he joined Intesa Sanpaolo Group in 2000. In Italy, he held the duty of General Manager of Cassa di Risparmio di Spoleto and of Cassa di Risparmio di Ascoli Piceno. In 2006 he was appointed First Deputy Chairman of the Management Board of Banca Intesa Beograd (Serbia) and in 2008 as Chairman of the Supervisory Board of Pravex-Bank (Ukraine). Apart from working for Intesa Sanpaolo Group, he is actively involved in the following key associations: President of Foreign Investors Association of Albania (FIAA); Board Member of the Italian Chamber of Commerce in Albania; Board Member of Albanian Investment Development Agency (AIDA).
Ministry of Education, Sports and Youth
Mrs. Nikolla, in 1989, is graduated at the Faculty of Natural Sciences, Mathematics Department, University of Tirana and in July 2010 she has completed master’s studies in Public Administration, executive power at Albanian University. In 2006 she completed the Academy for Leader and Reform at the Institute for Democracy and Mediation (NDI) in Tirana and in June 2008 she completed the Community Policing and Local Governance Academy at the University of Pittsburgh, USA. Mrs. Nikolla has also conducted a number of qualifications in school management and math teaching, as well as for empowering women in decision-making.
She entered politics in 2003. During 2003-2006 she was elected Councilor of the Municipal Unit No. 1, Tirana. She was elected for two mandates in the period 2007-2011 and 2011-2013, Mayor of the Municipal Unit No.1 Tirana. In the elections of June 23, 2013, is elected district deputy of Tirana. From September 2007 Mrs. Nikolla is a member of the Presidency of the Socialist Party.
Lindita Nikolla in 2013 is appointed by Prime Minister Edi Rama as Minister of Education and Sports. In the June 25, 2017 elections, Mrs. Nikolla is elected deputy of the district of Lezha and is currently Minister of Education, Sports and Youth.
First Deputy Governor of the Bank of Albania
Head of National Payment Systems Committee (NPSC)
Mrs. Elisabeta Gjoni is the First Deputy Governor of the Bank of Albania since January 2012, and member of its Supervisory Council since November 2011. Ms Gjoni is head of NPSC. Her earlier assignments include an extensive career in the financial sector: Chairperson of the Albanian Financial Supervisory Authority from the establishment of the integrated institution in 2006 until December 2011, Chair Commissioner of the Albanian Securities Commission, Member of the Supervisory Board of the Bank of Albania for 8 years and Deputy Governor of the Bank of Albania during 1995 -1997.Mrs. Gjoni acted as Alternate Governor for Albania at the EBRD, financial advisor to the President of Republic of Albania between 1992 and 1996 and as member of the Negotiation Committee on Foreign Debt. She was a full-time lecturer on financial management during 1982-1992 and is currently a visiting professor of finance and economy at the University of Tirana and other universities in Albania. She is the author of studies, articles and research papers on finance, economic policies, banking, capital markets, etc.
First Session: Financial Inclusion on the Focus
Albania Association of Banks (AAB)
Mr. Brumbulli currently is the AAB Secretary General. During his 12-year career in the banking sector he has been in leading positions at the National Commercial Bank (Tirana and Kosovo), as well as at the National Bank of Greece (NBG Bank). Finally, he worked for the position of Director of Cabinet of the Minister of Finance. He was a professor at the Faculty of Economics at the University of Tirana, while in 2011 he held the post of Rector at Tirana Busines University (TBU) and Dean of the Faculty of Business Administration at this university. Mr. Brumbulli holds the title of Doctor of Science in Economics.
Ministry of Finance and Economy
Mr. Luçi earned his PhD from the University Staffordshire in England, 1999-2002. His dissertation was titled “Financial Intermediation in Transition Countries focusing on Albania”. At the same University, he received a Master’s Degree in Economics over the period 1997-1999. Mr. Luçi graduated in Economics at the University of Tirana, where is honored with the “Excellent Student” medal. He has held the function of Research Department Director at the Bank of Albania (2003-2006) and he has been external examiner at the Department of Economics in the University of Tirana, Faculty of Economics, (1996-2013). From October 2013, he is appointed Deputy Minister of Finance, responsible for the Macro Sector and Fiscal Expenses.
Oya Pinar Ardic, Senior Financial Sector Specialist, World Bank Group
Brian J. WILLIAMS
UN Resident Coordinator
Prior to his assignment in Albania, Mr. Williams served as Chief of Financing for Peacebuilding with the UN Peacebuilding Support Office at the United Nations Secretariat in New York. Under his leadership, the Peacebuilding Fund has funded over $300 million to over 25 post-conflict countries, with a focus on those on the agenda of the UN Peacebuilding Commission.
Prior to the work with the Peacebuilding Support Office, Mr. Williams focused on public health, in particular the global HIV crisis. From 2004 to 2008, he served as the UNAIDS Country Coordinator in Myanmar.
From 2001-2004, Mr. Williams worked at the UNAIDS Headquarters in Geneva in the country-support division. Since 1990, Mr. Williams has been involved in humanitarian assistance, governance, rule of law and post-conflict recovery in Pakistan, Afghanistan, Cambodia, the Democratic Republic of Congo, Burundi and Rwanda. Mr. Williams has served as consultant for a number of United Nations Agencies and development organizations including the United States Agency for International Development and CARE International. Mr. Williams holds a Master’s degree in Public Affairs from the Woodrow Wilson School at Princeton University, and an undergraduate degree in engineering from Harvard University.
Director and curator
Museo del Risparmio Intesa Sanpaolo, Turin
Giovanna Paladino, PHD in Economics, is the Head of the Chairman’s Staff of IntesaSanpaolo, the largest Italian bank. She is also the Director and the Curator of the Museum of Saving, an educational lab located in Turin. She was young economist at the IMF, Jean Monnet fellow at the EUI and Adjoint Professor at LUISS University. She completed her graduate studies at the HEI (CH) and Brown University (USA). She publishes articles on international economics, commodity markets and corporate finance in leading journals, recently in Journal of Banking and Finance (2013), Journal of Financial Markets (2015), Journal of Empirical Finance (2016), International Review of Economics and Finance (2016) and Research of International Business and Finance (2018).
Director, Research Department
Bank of Albania
He holds a Ph.D. and a Master degree in Economics from the University of Wisconsin, Milwaukee. His research interest covers the areas of monetary and international economics, as well as economic modeling.
Altin joined Bank of Albania Monetary Policy and Statistics Department upon his graduation from the University of Tirana in 1993. Between 1994 and 2001 he served as the Chief of the Balance of Payments Division. He rejoined the Research Department of the Bank of Albania in the summer of 2006. Altin serves as a member of Monetary Policy Implementation, Financial Stability and Foreign Exchange Reserves Investment Committees. He is an affiliated assistant professor of economics at New York University of Tirana, Business and Economics Department. Altin is the author and co-author of several articles and papers focusing on monetary and international economics.
Second Session: The role of institutions & society in Financial Education
Suela Bala has more than 10 years of combined technical expertise in education and management experience in the public and international nonprofit sector including program design and delivery, strategic planning, advocacy, research, business and partnership development, donor stewardship, policy analysis and human resources development. In 2013 she joined the senior management team at Save the Children International in Albania in the position of Manager for Program Development and Quality responsible for strategic development and fundraising. Her former professional experience includes working as Manager of Operations at Save the Children International in Albania overseeing an annual portfolio of approximately 1,5 million dollars, specialist of in-service teacher training of ICT and Vocational Education at Regional Education Directorate of Tirana, part-time thesis adviser on education policy at Catholic University “Our Lady of Good Council” in Tirana. She holds an integrated B.A and MSc degree in Physics and Secondary Science and Mathematics Education from Middle East Technical University in Ankara Turkey. Suela is fluent in English, Turkish, Italian and French. She joined the AADF as a CEO of Junior Achievement of Albania in Jan 2016.
Head of CRS
Spanish Banking Association
Beatriz is a lawyer, with a Master degree in Tax and Accounting.
She started her career as an auditor at PricewaterhouseCoopers Spain and then moved to the Tax Department specializing in Financial Services. In 1998, she joined PwC London as a senior tax manager at the firm’s international structuring department. At the end of 2004 she joined Barclays Spain as Head of tax until 2011, when she was appointed Head or citizenship for Barclays Europe & UE where she remained until 2015.
She is currently working as Head of CSR at the Spanish Banking Association, Professor of Sustainability at the CUNEF University and Chairman of the Financial Education Group at the European Banking Federation.
Albanian Microfinance Association
Elvana Sharkaj is Administrator of the UniFin Savings Credit Union. After graduating from the Finance Department, at the Faculty of Economics at the University of Tirana, her experience in the financial field has started with the Albanian Development Fund of the Department of Urban Credit (World Bank Project), where for the first time she has been closely acquainted with the problems of urban lending to women’s entrepreneurial initiatives.
Then Elvana worked as a consultant at the Irish Federation of Credit Unions (ILCUF) Foundation in Dublin, Ireland, responsible for compiling and conducting a feasibility study for the establishment of Credit Unions in Albania according to the Irish model. This project was the starting point for the establishment of the Savings Savings Asset Foundation, where Elvana has played a key development role by integrating the Foundation in accordance with Albanian laws and by linking various partnerships until the transfer of all assets to Jehona Union. Elvana led Jehona’s Union as Executive Director. Its undeniable contribution to the institution’s development, both in managerial and human terms, is clearly evidenced in the growth and expansion of the staff as well as the assets that now reach 1 Billion Lek in favor of UniFin and its members without stopping improved products and services provided. UniFin is the legal transfer of the Jehona Union to a single savings bank and its subsidiaries throughout the districts. Elvana is today the Administrator of UniFin, an institution that continues to expand its lending capacity to the needy sectors, increasing the presence of branches in the territory of Albania as well as the qualified staff serving the members.
Junida Katroshi (Tafaj)
Albanian Association of Banks
Junida holds a Master of Science degree in Business Administration and a Bachelor in Communication -Public relations. She also holds a diploma from the IAE Caen, University School of Management. During her studies she has worked in two Airline Companies and travel agencies as an IATA certified agent. She started her career as General Assistant to the Board of Directors at Banka Popular in 2004. She worked for the newly established Albanian capital bank up to July 2005 and then moved to the Albanian Banking Association as assistant to Secretary General.
In 2009 she was appointed as AAB’s Operations Officer. Junida is currently in charge of trainings and financial education projects. She is a member of the Financial Education Group at the European Banking Federation. Junida communicates fluently in English and Italian and is married with two kids.
Head of Marketing Department
She is a professional in marketing, communication and CSR. She has an extensive experience in management and marketing position in banking industry with local and international banks, including startup operations. Her career includes an active role as a Volunteer Board Member of various civil society organizations dealing with art, young people and vulnerable communities.
Lauresha holds a Master Degree in French language, a Diploma ES from Hotel Management School of Geneva, Switzerland and a Certificate of Advanced Management Program from Ashridge Executive Education in London, UK
She currently works as Head of Marketing at Credins bank (www.bankacredins.com), one of the largest bank in the Albania and is responsible for marketing and PR activities. Lauresha communicates fluently in English, French, Italian and Albanian as mother tongue.
Albanian Securities Exchange
Artan is an expert in financial markets and securities industry both academically and professionally. Mr. Gjergji is the originator of the first securities exchange in Albania with a private capital which has been financially supported by Credins Bank.
He has a degree in Capital Markets and Stock Exchanges from the Marmara University, Istanbul, Turkey, and holds a masters degree in European Studies and Researches (politics/economics) from the University of Bologna, Italy. He has attended post degree courses at Warsaw School of Economics, Poland as well as at Georgetown University and George Washington University (joint degree) in the United States of America.
During his career, he has been a lecturer of public finances, financial markets, investments and taxation at many universities in Albania. Moreover, Mr. Gjergji has developed his career of more than 10 years at some of the most prestigious institutions of the financial market in the country such as Bank of Albania, Tirana Stock Exchange, Financial Supervision Authority and Credins Bank. He has also been a successful manager in professional academic initiatives as Foundation for Economic Freedom and other important public institutions such as National Food Authority. For a period of time, Mr. Gjergji has been engaged as Director of the Department of the Business Groups as well as serving as The Chief of Cabinet at the Tirana Chamber of Commerce and Industry, while also acting as a financial expert for several projects founded by IFC, GTZ, USAID, ACIT and SNV.
Albanian Securities Trading Association
Blodin Cuci is the president of ASTA – Association of Securities Trading in Albania, an association that promotes the sustainable development and of the Albanian capital markets. From Novermber 2017, he is the owner and founder of Caesar Investment Advisory Services, an advisory company specializing in capital markets fund raising, strategic asset allocation, debt restructuring and advisory services. Prior to establishing his own company, Mr. Cuci worked as Head of Strategic Asset Allocation and Counterparty Analysis for Bank of Albania, where he was responsible for the strategy of the reserve management and credit risk management of the Central Bank of Albania.
Prior to joining Bank of Albania, Mr. Cuci has a long experience working in different FINMA regulated Banks and financial institutions in Switzerland, where he specialized in financial engineering and structured products & derivatives issuance and trading.
Mr. Cuci holds a Master of Science degree in Finance and Banking from Universita della Svizzera Italiana, Lugano Switzerland, and a Bachelor of Arts Degree in Economics from Universita; della Svizzera Italiana, Lugano Switzerland. He has also completed FMFC Certificate Programe from International Capital Market Association (ICMA) and the University of Reading. He has completed several training programs from the World Bank, BIS Basel and other international financial institutions covering Applied Strategic Asset Allocation for fixed income portfolios, Investing in Emerging Markets, Managing External Asset Manager Program, Credit Risk Management, etc.