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href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BA%D0%BE%D1%80%D0%B5%D1%88%D0%BD%D0%B8%D0%9F%D1%80%D0%BE%D0%BC%D0%B5%D0%BD%D0%B8&feed=atom"> <link rel="dns-prefetch" href="//meta.wikimedia.org" /> <link rel="dns-prefetch" href="//login.wikimedia.org"> </head> <body class="skin--responsive skin-vector skin-vector-search-vue mediawiki ltr sitedir-ltr mw-hide-empty-elt ns-0 ns-subject mw-editable page-Камата rootpage-Камата skin-vector-2022 action-view"><a class="mw-jump-link" href="#bodyContent">Прејди на содржината</a> <div class="vector-header-container"> <header class="vector-header mw-header"> <div class="vector-header-start"> <nav class="vector-main-menu-landmark" aria-label="Мрежно место"> <div id="vector-main-menu-dropdown" class="vector-dropdown vector-main-menu-dropdown vector-button-flush-left vector-button-flush-right" > <input type="checkbox" id="vector-main-menu-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-main-menu-dropdown" class="vector-dropdown-checkbox " aria-label="Главно мени" > <label id="vector-main-menu-dropdown-label" for="vector-main-menu-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-menu mw-ui-icon-wikimedia-menu"></span> <span class="vector-dropdown-label-text">Главно мени</span> </label> <div class="vector-dropdown-content"> <div id="vector-main-menu-unpinned-container" class="vector-unpinned-container"> <div id="vector-main-menu" class="vector-main-menu vector-pinnable-element"> <div class="vector-pinnable-header vector-main-menu-pinnable-header vector-pinnable-header-unpinned" data-feature-name="main-menu-pinned" data-pinnable-element-id="vector-main-menu" data-pinned-container-id="vector-main-menu-pinned-container" data-unpinned-container-id="vector-main-menu-unpinned-container" > <div class="vector-pinnable-header-label">Главно мени</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-main-menu.pin">премести во страничникот</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-main-menu.unpin">скриј</button> </div> <div id="p-navigation" class="vector-menu mw-portlet mw-portlet-navigation" > <div class="vector-menu-heading"> Прегледник </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-mainpage-description" class="mw-list-item"><a href="/wiki/%D0%93%D0%BB%D0%B0%D0%B2%D0%BD%D0%B0_%D1%81%D1%82%D1%80%D0%B0%D0%BD%D0%B8%D1%86%D0%B0" title="Посети главна страница [z]" accesskey="z"><span>Главна страница</span></a></li><li id="n-Што-е-Википедија?" class="mw-list-item"><a href="/wiki/%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%92%D0%BE%D0%B2%D0%B5%D0%B4"><span>Што е Википедија?</span></a></li><li id="n-featuredcontent" class="mw-list-item"><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%98%D0%B7%D0%B1%D1%80%D0%B0%D0%BD%D0%B8_%D1%81%D1%82%D0%B0%D1%82%D0%B8%D0%B8"><span>Избрана содржина</span></a></li><li id="n-randompage" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BB%D1%83%D1%87%D0%B0%D1%98%D0%BD%D0%B0" title="Вчитај случајна страница [x]" accesskey="x"><span>Случајна страница</span></a></li><li id="n-portal" class="mw-list-item"><a href="/wiki/%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%9F%D0%BE%D1%80%D1%82%D0%B0%D0%BB" title="За проектот, што можете да направите, каде да најдете некои работи"><span>Портал</span></a></li> </ul> </div> </div> <div id="p-interaction" class="vector-menu mw-portlet mw-portlet-interaction" > <div class="vector-menu-heading"> технички </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="n-Тековни-настани" class="mw-list-item"><a href="/wiki/%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%A2%D0%B5%D0%BA%D0%BE%D0%B2%D0%BD%D0%B8_%D0%BD%D0%B0%D1%81%D1%82%D0%B0%D0%BD%D0%B8"><span>Тековни настани</span></a></li><li id="n-recentchanges" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BA%D0%BE%D1%80%D0%B5%D1%88%D0%BD%D0%B8%D0%9F%D1%80%D0%BE%D0%BC%D0%B5%D0%BD%D0%B8" title="Список на скорешни промени на викито. [r]" accesskey="r"><span>Скорешни промени</span></a></li><li id="n-pump" class="mw-list-item"><a href="/wiki/%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%A1%D0%B5%D0%BB%D1%81%D0%BA%D0%B0_%D1%87%D0%B5%D1%88%D0%BC%D0%B0"><span>Селска чешма</span></a></li><li id="n-Викисредби" class="mw-list-item"><a href="/wiki/%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%92%D0%B8%D0%BA%D0%B8%D1%81%D1%80%D0%B5%D0%B4%D0%B1%D0%B0"><span>Викисредби</span></a></li><li id="n-help" class="mw-list-item"><a href="https://www.mediawiki.org/wiki/Special:MyLanguage/Help:Contents" title="Место каде што може да се информирате."><span>Помош</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> <a href="/wiki/%D0%93%D0%BB%D0%B0%D0%B2%D0%BD%D0%B0_%D1%81%D1%82%D1%80%D0%B0%D0%BD%D0%B8%D1%86%D0%B0" class="mw-logo"> <img class="mw-logo-icon" src="/static/images/icons/wikipedia.png" alt="" aria-hidden="true" height="50" width="50"> <span class="mw-logo-container skin-invert"> <img class="mw-logo-wordmark" alt="Википедија" src="/static/images/mobile/copyright/wikipedia-wordmark-sr.svg" style="width: 7.8125em; height: 1.4375em;"> <img class="mw-logo-tagline" alt="Слободна енциклопедија" src="/static/images/mobile/copyright/wikipedia-tagline-mk.svg" width="114" height="11" style="width: 7.125em; height: 0.6875em;"> </span> </a> </div> <div class="vector-header-end"> <div id="p-search" role="search" class="vector-search-box-vue vector-search-box-collapses vector-search-box-show-thumbnail vector-search-box-auto-expand-width vector-search-box"> <a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%91%D0%B0%D1%80%D0%B0%D1%98" class="cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only search-toggle" title="Пребарај низ Википедија [f]" accesskey="f"><span class="vector-icon mw-ui-icon-search mw-ui-icon-wikimedia-search"></span> <span>Пребарај</span> </a> <div class="vector-typeahead-search-container"> <div class="cdx-typeahead-search cdx-typeahead-search--show-thumbnail cdx-typeahead-search--auto-expand-width"> <form action="/w/index.php" id="searchform" class="cdx-search-input cdx-search-input--has-end-button"> <div id="simpleSearch" class="cdx-search-input__input-wrapper" data-search-loc="header-moved"> <div class="cdx-text-input cdx-text-input--has-start-icon"> <input class="cdx-text-input__input" type="search" name="search" placeholder="Пребарајте по Википедија" aria-label="Пребарајте по Википедија" autocapitalize="sentences" title="Пребарај низ Википедија [f]" accesskey="f" id="searchInput" > <span class="cdx-text-input__icon cdx-text-input__start-icon"></span> </div> <input type="hidden" name="title" value="Специјална:Барај"> </div> <button class="cdx-button cdx-search-input__end-button">Пребарај</button> </form> </div> </div> </div> <nav class="vector-user-links vector-user-links-wide" aria-label="Лични алатки"> <div class="vector-user-links-main"> <div id="p-vector-user-menu-preferences" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-userpage" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <nav class="vector-appearance-landmark" aria-label="Изглед"> <div id="vector-appearance-dropdown" class="vector-dropdown " title="Сменете ги големината на фонтот, ширината и бојата" > <input type="checkbox" id="vector-appearance-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-appearance-dropdown" class="vector-dropdown-checkbox " aria-label="Изглед" > <label id="vector-appearance-dropdown-label" for="vector-appearance-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-appearance mw-ui-icon-wikimedia-appearance"></span> <span class="vector-dropdown-label-text">Изглед</span> </label> <div class="vector-dropdown-content"> <div id="vector-appearance-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <div id="p-vector-user-menu-notifications" class="vector-menu mw-portlet emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> <div id="p-vector-user-menu-overflow" class="vector-menu mw-portlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-sitesupport-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="//donate.wikimedia.org/wiki/Special:FundraiserRedirector?utm_source=donate&utm_medium=sidebar&utm_campaign=C13_mk.wikipedia.org&uselang=mk" class=""><span>Дарување</span></a> </li> <li id="pt-createaccount-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BE%D0%B7%D0%B4%D0%B0%D1%98%D0%9A%D0%BE%D1%80%D0%B8%D1%81%D0%BD%D0%B8%D1%87%D0%BA%D0%B0%D0%A1%D0%BC%D0%B5%D1%82%D0%BA%D0%B0&returnto=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" title="Ви препорачуваме да направите сметка и да се најавите, иако тоа не е задолжително" class=""><span>Направи сметка</span></a> </li> <li id="pt-login-2" class="user-links-collapsible-item mw-list-item user-links-collapsible-item"><a data-mw="interface" href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9D%D0%B0%D1%98%D0%B0%D0%B2%D1%83%D0%B2%D0%B0%D1%9A%D0%B5&returnto=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" title="Ви препорачуваме да се најавите, иако тоа не е задолжително. 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[o]" accesskey="o"><span class="vector-icon mw-ui-icon-logIn mw-ui-icon-wikimedia-logIn"></span> <span>Најава</span></a></li> </ul> </div> </div> <div id="p-user-menu-anon-editor" class="vector-menu mw-portlet mw-portlet-user-menu-anon-editor" > <div class="vector-menu-heading"> Страници за одјавени уредници <a href="/wiki/%D0%9F%D0%BE%D0%BC%D0%BE%D1%88:%D0%92%D0%BE%D0%B2%D0%B5%D0%B4" aria-label="Дознајте повеќе за уредувањето"><span>дознајте повеќе</span></a> </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="pt-anoncontribs" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9C%D0%BE%D0%B8%D0%9F%D1%80%D0%B8%D0%B4%D0%BE%D0%BD%D0%B5%D1%81%D0%B8" title="Список на уредувања направени од оваа IP-адреса [y]" accesskey="y"><span>Придонеси</span></a></li><li id="pt-anontalk" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9C%D0%BE%D1%98%D0%A0%D0%B0%D0%B7%D0%B3%D0%BE%D0%B2%D0%BE%D1%80" title="Разговор за уредувањата од оваа IP-адреса [n]" accesskey="n"><span>Разговор</span></a></li> </ul> </div> </div> </div> </div> </nav> </div> </header> </div> <div class="mw-page-container"> <div class="mw-page-container-inner"> <div class="vector-sitenotice-container"> <div id="siteNotice"><div id="mw-dismissablenotice-anonplace"></div><script>(function(){var node=document.getElementById("mw-dismissablenotice-anonplace");if(node){node.outerHTML="\u003Cdiv class=\"mw-dismissable-notice\"\u003E\u003Cdiv class=\"mw-dismissable-notice-close\"\u003E[\u003Ca tabindex=\"0\" role=\"button\"\u003Eтргни\u003C/a\u003E]\u003C/div\u003E\u003Cdiv class=\"mw-dismissable-notice-body\"\u003E\u003C!-- CentralNotice --\u003E\u003Cdiv id=\"localNotice\" data-nosnippet=\"\"\u003E\u003Cdiv class=\"anonnotice\" lang=\"mk\" dir=\"ltr\"\u003E\u003Cdiv style=\"background:white\"\u003E\n\u003Cfigure class=\"mw-halign-left\" typeof=\"mw:File\"\u003E\u003Ca href=\"/wiki/%D0%9F%D0%BE%D0%B4%D0%B0%D1%82%D0%BE%D1%82%D0%B5%D0%BA%D0%B0:F_icon.svg\" class=\"mw-file-description\"\u003E\u003Cimg src=\"//upload.wikimedia.org/wikipedia/commons/thumb/c/c2/F_icon.svg/25px-F_icon.svg.png\" decoding=\"async\" width=\"25\" height=\"25\" class=\"mw-file-element\" srcset=\"//upload.wikimedia.org/wikipedia/commons/thumb/c/c2/F_icon.svg/38px-F_icon.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/c/c2/F_icon.svg/50px-F_icon.svg.png 2x\" data-file-width=\"128\" data-file-height=\"128\" /\u003E\u003C/a\u003E\u003Cfigcaption\u003E\u003C/figcaption\u003E\u003C/figure\u003E\n\u003Cp\u003EСледете ја Википедија на македонски јазик на \u003Cb\u003E\u003Cspan class=\"plainlinks\"\u003E\u003Ca rel=\"nofollow\" class=\"external text\" href=\"https://www.facebook.com/mk.wikipedia\"\u003EFacebook\u003C/a\u003E\u003C/span\u003E\u003C/b\u003E\nи на \u003Cb\u003E\u003Cspan class=\"plainlinks\"\u003E\u003Ca rel=\"nofollow\" class=\"external text\" href=\"https://www.instagram.com/wikimedia_mkd\"\u003EInstagram\u003C/a\u003E\u003C/span\u003E\u003C/b\u003E!\n\u003Cbr style=\"clear:both;\" /\u003E\n\u003C/p\u003E\n\u003Cfigure class=\"mw-halign-left\" typeof=\"mw:File\"\u003E\u003Ca href=\"/wiki/%D0%9F%D0%BE%D0%B4%D0%B0%D1%82%D0%BE%D1%82%D0%B5%D0%BA%D0%B0:Flag_of_Cape_Verde.svg\" class=\"mw-file-description\" title=\"Уредувачки викенд „Зелен ’Рт“\"\u003E\u003Cimg alt=\"Уредувачки викенд „Зелен ’Рт“\" src=\"//upload.wikimedia.org/wikipedia/commons/thumb/3/38/Flag_of_Cape_Verde.svg/35px-Flag_of_Cape_Verde.svg.png\" decoding=\"async\" width=\"35\" height=\"21\" class=\"mw-file-element\" srcset=\"//upload.wikimedia.org/wikipedia/commons/thumb/3/38/Flag_of_Cape_Verde.svg/53px-Flag_of_Cape_Verde.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/38/Flag_of_Cape_Verde.svg/70px-Flag_of_Cape_Verde.svg.png 2x\" data-file-width=\"1020\" data-file-height=\"600\" /\u003E\u003C/a\u003E\u003Cfigcaption\u003EУредувачки викенд „Зелен ’Рт“\u003C/figcaption\u003E\u003C/figure\u003E\n\u003Cp\u003EСе известуваат сите заинтересирани уредници на Википедија на македонски јазик дека во периодот 30 ноември - 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Прочитајте ги правилата и вклучете се!\n\u003C/p\u003E\u003C/div\u003E\u003C/div\u003E\u003C/div\u003E\u003C/div\u003E\u003C/div\u003E";}}());</script></div> </div> <div class="vector-column-start"> <div class="vector-main-menu-container"> <div id="mw-navigation"> <nav id="mw-panel" class="vector-main-menu-landmark" aria-label="Мрежно место"> <div id="vector-main-menu-pinned-container" class="vector-pinned-container"> </div> </nav> </div> </div> <div class="vector-sticky-pinned-container"> <nav id="mw-panel-toc" aria-label="Содржина" data-event-name="ui.sidebar-toc" class="mw-table-of-contents-container vector-toc-landmark"> <div id="vector-toc-pinned-container" class="vector-pinned-container"> <div id="vector-toc" class="vector-toc vector-pinnable-element"> <div class="vector-pinnable-header vector-toc-pinnable-header vector-pinnable-header-pinned" data-feature-name="toc-pinned" data-pinnable-element-id="vector-toc" > <h2 class="vector-pinnable-header-label">Содржина</h2> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-toc.pin">премести во страничникот</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-toc.unpin">скриј</button> </div> <ul class="vector-toc-contents" id="mw-panel-toc-list"> <li id="toc-mw-content-text" class="vector-toc-list-item vector-toc-level-1"> <a href="#" class="vector-toc-link"> <div class="vector-toc-text">Почеток</div> </a> </li> <li id="toc-Историски_и_етички_аспекти_на_каматата" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Историски_и_етички_аспекти_на_каматата"> <div class="vector-toc-text"> <span class="vector-toc-numb">1</span> <span>Историски и етички аспекти на каматата</span> </div> </a> <ul id="toc-Историски_и_етички_аспекти_на_каматата-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Причини_за_постоење_на_каматата" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Причини_за_постоење_на_каматата"> <div class="vector-toc-text"> <span class="vector-toc-numb">2</span> <span>Причини за постоење на каматата</span> </div> </a> <ul id="toc-Причини_за_постоење_на_каматата-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Видови_каматни_стапки" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Видови_каматни_стапки"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Видови каматни стапки</span> </div> </a> <ul id="toc-Видови_каматни_стапки-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Значењето_на_каматата" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Значењето_на_каматата"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Значењето на каматата</span> </div> </a> <ul id="toc-Значењето_на_каматата-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Законско_регулирање_на_каматата" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Законско_регулирање_на_каматата"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Законско регулирање на каматата</span> </div> </a> <ul id="toc-Законско_регулирање_на_каматата-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Наводи" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Наводи"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>Наводи</span> </div> </a> <ul id="toc-Наводи-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Надворешни_врски" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Надворешни_врски"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>Надворешни врски</span> </div> </a> <ul id="toc-Надворешни_врски-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Содржина" class="vector-toc-landmark"> <div id="vector-page-titlebar-toc" class="vector-dropdown vector-page-titlebar-toc vector-button-flush-left" > <input type="checkbox" id="vector-page-titlebar-toc-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-titlebar-toc" class="vector-dropdown-checkbox " aria-label="Прик./скр. содржина" > <label id="vector-page-titlebar-toc-label" for="vector-page-titlebar-toc-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--icon-only " aria-hidden="true" ><span class="vector-icon mw-ui-icon-listBullet mw-ui-icon-wikimedia-listBullet"></span> <span class="vector-dropdown-label-text">Прик./скр. содржина</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-titlebar-toc-unpinned-container" class="vector-unpinned-container"> </div> </div> </div> </nav> <h1 id="firstHeading" class="firstHeading mw-first-heading"><span class="mw-page-title-main">Камата</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Појдете на статија на друг јазик. Достапно на 72 јазици" > <label id="p-lang-btn-label" for="p-lang-btn-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet cdx-button--action-progressive mw-portlet-lang-heading-72" aria-hidden="true" ><span class="vector-icon mw-ui-icon-language-progressive mw-ui-icon-wikimedia-language-progressive"></span> <span class="vector-dropdown-label-text">72 јазици</span> </label> <div class="vector-dropdown-content"> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="interlanguage-link interwiki-af mw-list-item"><a href="https://af.wikipedia.org/wiki/Rente" title="Rente — африканс" lang="af" hreflang="af" data-title="Rente" data-language-autonym="Afrikaans" data-language-local-name="африканс" class="interlanguage-link-target"><span>Afrikaans</span></a></li><li class="interlanguage-link interwiki-als mw-list-item"><a href="https://als.wikipedia.org/wiki/Zins" title="Zins — швајцарски германски" lang="gsw" hreflang="gsw" data-title="Zins" data-language-autonym="Alemannisch" data-language-local-name="швајцарски германски" class="interlanguage-link-target"><span>Alemannisch</span></a></li><li class="interlanguage-link interwiki-am mw-list-item"><a href="https://am.wikipedia.org/wiki/%E1%8B%8E%E1%88%88%E1%8B%B5" title="ዎለድ — амхарски" lang="am" hreflang="am" data-title="ዎለድ" data-language-autonym="አማርኛ" data-language-local-name="амхарски" class="interlanguage-link-target"><span>አማርኛ</span></a></li><li class="interlanguage-link interwiki-ar mw-list-item"><a href="https://ar.wikipedia.org/wiki/%D9%81%D8%A7%D8%A6%D8%AF%D8%A9" title="فائدة — арапски" lang="ar" hreflang="ar" data-title="فائدة" data-language-autonym="العربية" data-language-local-name="арапски" class="interlanguage-link-target"><span>العربية</span></a></li><li class="interlanguage-link interwiki-arc mw-list-item"><a href="https://arc.wikipedia.org/wiki/%DC%97%DC%A2%DC%9D%DC%A2%DC%90_(%DC%A1%DC%A1%DC%AB%DC%9A%DC%98%DC%AC%DC%90)" title="ܗܢܝܢܐ (ܡܡܫܚܘܬܐ) — арамејски" lang="arc" hreflang="arc" data-title="ܗܢܝܢܐ (ܡܡܫܚܘܬܐ)" data-language-autonym="ܐܪܡܝܐ" data-language-local-name="арамејски" class="interlanguage-link-target"><span>ܐܪܡܝܐ</span></a></li><li class="interlanguage-link interwiki-ast mw-list-item"><a href="https://ast.wikipedia.org/wiki/Inter%C3%A9s" title="Interés — астурски" lang="ast" hreflang="ast" data-title="Interés" data-language-autonym="Asturianu" data-language-local-name="астурски" class="interlanguage-link-target"><span>Asturianu</span></a></li><li class="interlanguage-link interwiki-bn mw-list-item"><a href="https://bn.wikipedia.org/wiki/%E0%A6%B8%E0%A7%81%E0%A6%A6" title="সুদ — бенгалски" lang="bn" hreflang="bn" data-title="সুদ" data-language-autonym="বাংলা" data-language-local-name="бенгалски" class="interlanguage-link-target"><span>বাংলা</span></a></li><li class="interlanguage-link interwiki-bg mw-list-item"><a href="https://bg.wikipedia.org/wiki/%D0%9B%D0%B8%D1%85%D0%B2%D0%B0" title="Лихва — бугарски" lang="bg" hreflang="bg" data-title="Лихва" data-language-autonym="Български" data-language-local-name="бугарски" class="interlanguage-link-target"><span>Български</span></a></li><li class="interlanguage-link interwiki-bar mw-list-item"><a href="https://bar.wikipedia.org/wiki/Zins" title="Zins — баварски" lang="bar" hreflang="bar" data-title="Zins" data-language-autonym="Boarisch" data-language-local-name="баварски" class="interlanguage-link-target"><span>Boarisch</span></a></li><li class="interlanguage-link interwiki-bs mw-list-item"><a href="https://bs.wikipedia.org/wiki/Kamata" title="Kamata — босански" lang="bs" hreflang="bs" data-title="Kamata" data-language-autonym="Bosanski" data-language-local-name="босански" class="interlanguage-link-target"><span>Bosanski</span></a></li><li class="interlanguage-link interwiki-ca mw-list-item"><a href="https://ca.wikipedia.org/wiki/Inter%C3%A8s" title="Interès — каталонски" lang="ca" hreflang="ca" data-title="Interès" data-language-autonym="Català" data-language-local-name="каталонски" class="interlanguage-link-target"><span>Català</span></a></li><li class="interlanguage-link interwiki-cs mw-list-item"><a href="https://cs.wikipedia.org/wiki/%C3%9Arok" title="Úrok — чешки" lang="cs" hreflang="cs" data-title="Úrok" data-language-autonym="Čeština" data-language-local-name="чешки" class="interlanguage-link-target"><span>Čeština</span></a></li><li class="interlanguage-link interwiki-da mw-list-item"><a href="https://da.wikipedia.org/wiki/Rente" title="Rente — дански" lang="da" hreflang="da" data-title="Rente" data-language-autonym="Dansk" data-language-local-name="дански" class="interlanguage-link-target"><span>Dansk</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Zins" title="Zins — германски" lang="de" hreflang="de" data-title="Zins" data-language-autonym="Deutsch" data-language-local-name="германски" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-et mw-list-item"><a href="https://et.wikipedia.org/wiki/Intress" title="Intress — естонски" lang="et" hreflang="et" data-title="Intress" data-language-autonym="Eesti" data-language-local-name="естонски" class="interlanguage-link-target"><span>Eesti</span></a></li><li class="interlanguage-link interwiki-el mw-list-item"><a href="https://el.wikipedia.org/wiki/%CE%A4%CF%8C%CE%BA%CE%BF%CF%82" title="Τόκος — грчки" lang="el" hreflang="el" data-title="Τόκος" data-language-autonym="Ελληνικά" data-language-local-name="грчки" class="interlanguage-link-target"><span>Ελληνικά</span></a></li><li class="interlanguage-link interwiki-en mw-list-item"><a href="https://en.wikipedia.org/wiki/Interest" title="Interest — англиски" lang="en" hreflang="en" data-title="Interest" data-language-autonym="English" data-language-local-name="англиски" class="interlanguage-link-target"><span>English</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Inter%C3%A9s" title="Interés — шпански" lang="es" hreflang="es" data-title="Interés" data-language-autonym="Español" data-language-local-name="шпански" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-eo mw-list-item"><a href="https://eo.wikipedia.org/wiki/Interezo" title="Interezo — есперанто" lang="eo" hreflang="eo" data-title="Interezo" data-language-autonym="Esperanto" data-language-local-name="есперанто" class="interlanguage-link-target"><span>Esperanto</span></a></li><li class="interlanguage-link interwiki-eu mw-list-item"><a href="https://eu.wikipedia.org/wiki/Interes" title="Interes — баскиски" lang="eu" hreflang="eu" data-title="Interes" data-language-autonym="Euskara" data-language-local-name="баскиски" class="interlanguage-link-target"><span>Euskara</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D8%A8%D9%87%D8%B1%D9%87" title="بهره — персиски" lang="fa" hreflang="fa" data-title="بهره" data-language-autonym="فارسی" data-language-local-name="персиски" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Int%C3%A9r%C3%AAt_(finance)" title="Intérêt (finance) — француски" lang="fr" hreflang="fr" data-title="Intérêt (finance)" data-language-autonym="Français" data-language-local-name="француски" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-gl mw-list-item"><a href="https://gl.wikipedia.org/wiki/Xuro" title="Xuro — галициски" lang="gl" hreflang="gl" data-title="Xuro" data-language-autonym="Galego" data-language-local-name="галициски" class="interlanguage-link-target"><span>Galego</span></a></li><li class="interlanguage-link interwiki-ko mw-list-item"><a href="https://ko.wikipedia.org/wiki/%EC%9D%B4%EC%9E%90" title="이자 — корејски" lang="ko" hreflang="ko" data-title="이자" data-language-autonym="한국어" data-language-local-name="корејски" class="interlanguage-link-target"><span>한국어</span></a></li><li class="interlanguage-link interwiki-hy mw-list-item"><a href="https://hy.wikipedia.org/wiki/%D5%8F%D5%B8%D5%AF%D5%B8%D5%BD%D5%A1%D5%A3%D5%B8%D6%82%D5%B4%D5%A1%D6%80" title="Տոկոսագումար — ерменски" lang="hy" hreflang="hy" data-title="Տոկոսագումար" data-language-autonym="Հայերեն" data-language-local-name="ерменски" class="interlanguage-link-target"><span>Հայերեն</span></a></li><li class="interlanguage-link interwiki-hi mw-list-item"><a href="https://hi.wikipedia.org/wiki/%E0%A4%AC%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%9C" title="ब्याज — хинди" lang="hi" hreflang="hi" data-title="ब्याज" data-language-autonym="हिन्दी" data-language-local-name="хинди" class="interlanguage-link-target"><span>हिन्दी</span></a></li><li class="interlanguage-link interwiki-hr mw-list-item"><a href="https://hr.wikipedia.org/wiki/Kamata" title="Kamata — хрватски" lang="hr" hreflang="hr" data-title="Kamata" data-language-autonym="Hrvatski" data-language-local-name="хрватски" class="interlanguage-link-target"><span>Hrvatski</span></a></li><li class="interlanguage-link interwiki-io mw-list-item"><a href="https://io.wikipedia.org/wiki/Interesto" title="Interesto — идо" lang="io" hreflang="io" data-title="Interesto" data-language-autonym="Ido" data-language-local-name="идо" class="interlanguage-link-target"><span>Ido</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Suku_bunga" title="Suku bunga — индонезиски" lang="id" hreflang="id" data-title="Suku bunga" data-language-autonym="Bahasa Indonesia" data-language-local-name="индонезиски" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-is mw-list-item"><a href="https://is.wikipedia.org/wiki/Vextir" title="Vextir — исландски" lang="is" hreflang="is" data-title="Vextir" data-language-autonym="Íslenska" data-language-local-name="исландски" class="interlanguage-link-target"><span>Íslenska</span></a></li><li class="interlanguage-link interwiki-it mw-list-item"><a href="https://it.wikipedia.org/wiki/Interesse_finanziario" title="Interesse finanziario — италијански" lang="it" hreflang="it" data-title="Interesse finanziario" data-language-autonym="Italiano" data-language-local-name="италијански" class="interlanguage-link-target"><span>Italiano</span></a></li><li class="interlanguage-link interwiki-he mw-list-item"><a href="https://he.wikipedia.org/wiki/%D7%A8%D7%99%D7%91%D7%99%D7%AA" title="ריבית — хебрејски" lang="he" hreflang="he" data-title="ריבית" data-language-autonym="עברית" data-language-local-name="хебрејски" class="interlanguage-link-target"><span>עברית</span></a></li><li class="interlanguage-link interwiki-kn mw-list-item"><a href="https://kn.wikipedia.org/wiki/%E0%B2%AC%E0%B2%A1%E0%B3%8D%E0%B2%A1%E0%B2%BF" title="ಬಡ್ಡಿ — каннада" lang="kn" hreflang="kn" data-title="ಬಡ್ಡಿ" data-language-autonym="ಕನ್ನಡ" data-language-local-name="каннада" class="interlanguage-link-target"><span>ಕನ್ನಡ</span></a></li><li class="interlanguage-link interwiki-lo mw-list-item"><a href="https://lo.wikipedia.org/wiki/%E0%BA%94%E0%BA%AD%E0%BA%81%E0%BB%80%E0%BA%9A%E0%BB%89%E0%BA%8D" title="ດອກເບ້ຍ — лаошки" lang="lo" hreflang="lo" data-title="ດອກເບ້ຍ" data-language-autonym="ລາວ" data-language-local-name="лаошки" class="interlanguage-link-target"><span>ລາວ</span></a></li><li class="interlanguage-link interwiki-la mw-list-item"><a href="https://la.wikipedia.org/wiki/Usura" title="Usura — латински" lang="la" hreflang="la" data-title="Usura" data-language-autonym="Latina" data-language-local-name="латински" class="interlanguage-link-target"><span>Latina</span></a></li><li class="interlanguage-link interwiki-lv mw-list-item"><a href="https://lv.wikipedia.org/wiki/Procenti" title="Procenti — латвиски" lang="lv" hreflang="lv" data-title="Procenti" data-language-autonym="Latviešu" data-language-local-name="латвиски" class="interlanguage-link-target"><span>Latviešu</span></a></li><li class="interlanguage-link interwiki-lt mw-list-item"><a href="https://lt.wikipedia.org/wiki/Pal%C5%ABkanos" title="Palūkanos — литвански" lang="lt" hreflang="lt" data-title="Palūkanos" data-language-autonym="Lietuvių" data-language-local-name="литвански" class="interlanguage-link-target"><span>Lietuvių</span></a></li><li class="interlanguage-link interwiki-hu mw-list-item"><a href="https://hu.wikipedia.org/wiki/Kamat" title="Kamat — унгарски" lang="hu" hreflang="hu" data-title="Kamat" data-language-autonym="Magyar" data-language-local-name="унгарски" class="interlanguage-link-target"><span>Magyar</span></a></li><li class="interlanguage-link interwiki-mr mw-list-item"><a href="https://mr.wikipedia.org/wiki/%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%9C" title="व्याज — марати" lang="mr" hreflang="mr" data-title="व्याज" data-language-autonym="मराठी" data-language-local-name="марати" class="interlanguage-link-target"><span>मराठी</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Faedah" title="Faedah — малајски" lang="ms" hreflang="ms" data-title="Faedah" data-language-autonym="Bahasa Melayu" data-language-local-name="малајски" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-nl mw-list-item"><a href="https://nl.wikipedia.org/wiki/Rente" title="Rente — холандски" lang="nl" hreflang="nl" data-title="Rente" data-language-autonym="Nederlands" data-language-local-name="холандски" class="interlanguage-link-target"><span>Nederlands</span></a></li><li class="interlanguage-link interwiki-ne mw-list-item"><a href="https://ne.wikipedia.org/wiki/%E0%A4%B8%E0%A4%BE%E0%A4%A7%E0%A4%BE%E0%A4%B0%E0%A4%A3_%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%9C" title="साधारण व्याज — непалски" lang="ne" hreflang="ne" data-title="साधारण व्याज" data-language-autonym="नेपाली" data-language-local-name="непалски" class="interlanguage-link-target"><span>नेपाली</span></a></li><li class="interlanguage-link interwiki-ja mw-list-item"><a href="https://ja.wikipedia.org/wiki/%E5%88%A9%E5%AD%90" title="利子 — јапонски" lang="ja" hreflang="ja" data-title="利子" data-language-autonym="日本語" data-language-local-name="јапонски" class="interlanguage-link-target"><span>日本語</span></a></li><li class="interlanguage-link interwiki-no mw-list-item"><a href="https://no.wikipedia.org/wiki/Rente" title="Rente — норвешки букмол" lang="nb" hreflang="nb" data-title="Rente" data-language-autonym="Norsk bokmål" data-language-local-name="норвешки букмол" class="interlanguage-link-target"><span>Norsk bokmål</span></a></li><li class="interlanguage-link interwiki-pa mw-list-item"><a href="https://pa.wikipedia.org/wiki/%E0%A8%B5%E0%A8%BF%E0%A8%86%E0%A8%9C" title="ਵਿਆਜ — пенџапски" lang="pa" hreflang="pa" data-title="ਵਿਆਜ" data-language-autonym="ਪੰਜਾਬੀ" data-language-local-name="пенџапски" class="interlanguage-link-target"><span>ਪੰਜਾਬੀ</span></a></li><li class="interlanguage-link interwiki-pl mw-list-item"><a href="https://pl.wikipedia.org/wiki/Odsetki" title="Odsetki — полски" lang="pl" hreflang="pl" data-title="Odsetki" data-language-autonym="Polski" data-language-local-name="полски" class="interlanguage-link-target"><span>Polski</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Juro" title="Juro — португалски" lang="pt" hreflang="pt" data-title="Juro" data-language-autonym="Português" data-language-local-name="португалски" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ro mw-list-item"><a href="https://ro.wikipedia.org/wiki/Dob%C3%A2nd%C4%83" title="Dobândă — романски" lang="ro" hreflang="ro" data-title="Dobândă" data-language-autonym="Română" data-language-local-name="романски" class="interlanguage-link-target"><span>Română</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/%D0%9F%D1%80%D0%BE%D1%86%D0%B5%D0%BD%D1%82%D0%BD%D1%8B%D0%B9_%D0%B4%D0%BE%D1%85%D0%BE%D0%B4" title="Процентный доход — руски" lang="ru" hreflang="ru" data-title="Процентный доход" data-language-autonym="Русский" data-language-local-name="руски" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-sq mw-list-item"><a href="https://sq.wikipedia.org/wiki/Interesi" title="Interesi — албански" lang="sq" hreflang="sq" data-title="Interesi" data-language-autonym="Shqip" data-language-local-name="албански" class="interlanguage-link-target"><span>Shqip</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Interest" title="Interest — Simple English" lang="en-simple" hreflang="en-simple" data-title="Interest" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-sd mw-list-item"><a href="https://sd.wikipedia.org/wiki/%D9%88%D9%8A%D8%A7%D8%AC" title="وياج — синди" lang="sd" hreflang="sd" data-title="وياج" data-language-autonym="سنڌي" data-language-local-name="синди" class="interlanguage-link-target"><span>سنڌي</span></a></li><li class="interlanguage-link interwiki-sk mw-list-item"><a href="https://sk.wikipedia.org/wiki/%C3%9Arok" title="Úrok — словачки" lang="sk" hreflang="sk" data-title="Úrok" data-language-autonym="Slovenčina" data-language-local-name="словачки" class="interlanguage-link-target"><span>Slovenčina</span></a></li><li class="interlanguage-link interwiki-sl mw-list-item"><a href="https://sl.wikipedia.org/wiki/Obresti" title="Obresti — словенечки" lang="sl" hreflang="sl" data-title="Obresti" data-language-autonym="Slovenščina" data-language-local-name="словенечки" class="interlanguage-link-target"><span>Slovenščina</span></a></li><li class="interlanguage-link interwiki-sr mw-list-item"><a href="https://sr.wikipedia.org/wiki/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" title="Камата — српски" lang="sr" hreflang="sr" data-title="Камата" data-language-autonym="Српски / srpski" data-language-local-name="српски" class="interlanguage-link-target"><span>Српски / srpski</span></a></li><li class="interlanguage-link interwiki-sh mw-list-item"><a href="https://sh.wikipedia.org/wiki/Kamata" title="Kamata — српскохрватски" lang="sh" hreflang="sh" data-title="Kamata" data-language-autonym="Srpskohrvatski / српскохрватски" data-language-local-name="српскохрватски" class="interlanguage-link-target"><span>Srpskohrvatski / српскохрватски</span></a></li><li class="interlanguage-link interwiki-fi mw-list-item"><a href="https://fi.wikipedia.org/wiki/Korko" title="Korko — фински" lang="fi" hreflang="fi" data-title="Korko" data-language-autonym="Suomi" data-language-local-name="фински" class="interlanguage-link-target"><span>Suomi</span></a></li><li class="interlanguage-link interwiki-sv mw-list-item"><a href="https://sv.wikipedia.org/wiki/R%C3%A4nta" title="Ränta — шведски" lang="sv" hreflang="sv" data-title="Ränta" data-language-autonym="Svenska" data-language-local-name="шведски" class="interlanguage-link-target"><span>Svenska</span></a></li><li class="interlanguage-link interwiki-tl mw-list-item"><a href="https://tl.wikipedia.org/wiki/Patubo" title="Patubo — тагалог" lang="tl" hreflang="tl" data-title="Patubo" data-language-autonym="Tagalog" data-language-local-name="тагалог" class="interlanguage-link-target"><span>Tagalog</span></a></li><li class="interlanguage-link interwiki-ta mw-list-item"><a href="https://ta.wikipedia.org/wiki/%E0%AE%B5%E0%AE%9F%E0%AF%8D%E0%AE%9F%E0%AE%BF" title="வட்டி — тамилски" lang="ta" hreflang="ta" data-title="வட்டி" data-language-autonym="தமிழ்" data-language-local-name="тамилски" class="interlanguage-link-target"><span>தமிழ்</span></a></li><li class="interlanguage-link interwiki-te mw-list-item"><a href="https://te.wikipedia.org/wiki/%E0%B0%B5%E0%B0%A1%E0%B1%8D%E0%B0%A1%E0%B1%80" title="వడ్డీ — телугу" lang="te" hreflang="te" data-title="వడ్డీ" data-language-autonym="తెలుగు" data-language-local-name="телугу" class="interlanguage-link-target"><span>తెలుగు</span></a></li><li class="interlanguage-link interwiki-th mw-list-item"><a href="https://th.wikipedia.org/wiki/%E0%B8%94%E0%B8%AD%E0%B8%81%E0%B9%80%E0%B8%9A%E0%B8%B5%E0%B9%89%E0%B8%A2" title="ดอกเบี้ย — тајландски" lang="th" hreflang="th" data-title="ดอกเบี้ย" data-language-autonym="ไทย" data-language-local-name="тајландски" class="interlanguage-link-target"><span>ไทย</span></a></li><li class="interlanguage-link interwiki-tr mw-list-item"><a href="https://tr.wikipedia.org/wiki/Faiz" title="Faiz — турски" lang="tr" hreflang="tr" data-title="Faiz" data-language-autonym="Türkçe" data-language-local-name="турски" class="interlanguage-link-target"><span>Türkçe</span></a></li><li class="interlanguage-link interwiki-tk mw-list-item"><a href="https://tk.wikipedia.org/wiki/G%C3%B6terim" title="Göterim — туркменски" lang="tk" hreflang="tk" data-title="Göterim" data-language-autonym="Türkmençe" data-language-local-name="туркменски" class="interlanguage-link-target"><span>Türkmençe</span></a></li><li class="interlanguage-link interwiki-uk mw-list-item"><a href="https://uk.wikipedia.org/wiki/%D0%92%D1%96%D0%B4%D1%81%D0%BE%D1%82%D0%BE%D0%BA_(%D1%84%D1%96%D0%BD%D0%B0%D0%BD%D1%81%D0%B8)" title="Відсоток (фінанси) — украински" lang="uk" hreflang="uk" data-title="Відсоток (фінанси)" data-language-autonym="Українська" data-language-local-name="украински" class="interlanguage-link-target"><span>Українська</span></a></li><li class="interlanguage-link interwiki-ur mw-list-item"><a href="https://ur.wikipedia.org/wiki/%D8%B3%D9%88%D8%AF" title="سود — урду" lang="ur" hreflang="ur" data-title="سود" data-language-autonym="اردو" data-language-local-name="урду" class="interlanguage-link-target"><span>اردو</span></a></li><li class="interlanguage-link interwiki-war mw-list-item"><a href="https://war.wikipedia.org/wiki/Interes" title="Interes — варајски" lang="war" hreflang="war" data-title="Interes" data-language-autonym="Winaray" data-language-local-name="варајски" class="interlanguage-link-target"><span>Winaray</span></a></li><li class="interlanguage-link interwiki-wuu mw-list-item"><a href="https://wuu.wikipedia.org/wiki/%E5%88%A9%E6%81%AF" title="利息 — ву" lang="wuu" hreflang="wuu" data-title="利息" data-language-autonym="吴语" data-language-local-name="ву" class="interlanguage-link-target"><span>吴语</span></a></li><li class="interlanguage-link interwiki-yi mw-list-item"><a href="https://yi.wikipedia.org/wiki/%D7%A8%D7%99%D7%91%D7%99%D7%AA" title="ריבית — јидиш" lang="yi" hreflang="yi" data-title="ריבית" data-language-autonym="ייִדיש" data-language-local-name="јидиш" class="interlanguage-link-target"><span>ייִדיש</span></a></li><li class="interlanguage-link interwiki-zh-yue mw-list-item"><a href="https://zh-yue.wikipedia.org/wiki/%E5%88%A9%E6%81%AF" title="利息 — кантонски" lang="yue" hreflang="yue" data-title="利息" data-language-autonym="粵語" data-language-local-name="кантонски" class="interlanguage-link-target"><span>粵語</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%88%A9%E6%81%AF" title="利息 — кинески" lang="zh" hreflang="zh" data-title="利息" data-language-autonym="中文" data-language-local-name="кинески" class="interlanguage-link-target"><span>中文</span></a></li><li class="interlanguage-link interwiki-bew mw-list-item"><a href="https://bew.wikipedia.org/wiki/R%C3%A8nte" title="Rènte — бетавски" lang="bew" hreflang="bew" data-title="Rènte" data-language-autonym="Betawi" data-language-local-name="бетавски" class="interlanguage-link-target"><span>Betawi</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q170924#sitelinks-wikipedia" title="Уредување на меѓујазични врски" class="wbc-editpage">Уреди врски</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Именски простори"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-associated-pages" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-nstab-main" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" title="Преглед на содржинската страница [c]" accesskey="c"><span>Страница</span></a></li><li id="ca-talk" class="vector-tab-noicon mw-list-item"><a href="/wiki/%D0%A0%D0%B0%D0%B7%D0%B3%D0%BE%D0%B2%D0%BE%D1%80:%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" rel="discussion" title="Разговор за содржинската страница [t]" accesskey="t"><span>Разговор</span></a></li> </ul> </div> </div> <div id="vector-variants-dropdown" class="vector-dropdown emptyPortlet" > <input type="checkbox" id="vector-variants-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-variants-dropdown" class="vector-dropdown-checkbox " aria-label="Менување на јазичната варијанта" > <label id="vector-variants-dropdown-label" for="vector-variants-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">македонски</span> </label> <div class="vector-dropdown-content"> <div id="p-variants" class="vector-menu mw-portlet mw-portlet-variants emptyPortlet" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> </ul> </div> </div> </div> </div> </nav> </div> <div id="right-navigation" class="vector-collapsible"> <nav aria-label="Посети"> <div id="p-views" class="vector-menu vector-menu-tabs mw-portlet mw-portlet-views" > <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-view" class="selected vector-tab-noicon mw-list-item"><a href="/wiki/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0"><span>Читај</span></a></li><li id="ca-ve-edit" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit" title="Уредете ја страницава [v]" accesskey="v"><span>Уреди</span></a></li><li id="ca-edit" class="collapsible vector-tab-noicon mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit" title="Уредување на изворниот код на страницава [e]" accesskey="e"><span>Уреди извор</span></a></li><li id="ca-history" class="vector-tab-noicon mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=history" title="Претходни верзии на оваа страница. [h]" accesskey="h"><span>Историја</span></a></li> </ul> </div> </div> </nav> <nav class="vector-page-tools-landmark" aria-label="Алатки за страници"> <div id="vector-page-tools-dropdown" class="vector-dropdown vector-page-tools-dropdown" > <input type="checkbox" id="vector-page-tools-dropdown-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-vector-page-tools-dropdown" class="vector-dropdown-checkbox " aria-label="алатник" > <label id="vector-page-tools-dropdown-label" for="vector-page-tools-dropdown-checkbox" class="vector-dropdown-label cdx-button cdx-button--fake-button cdx-button--fake-button--enabled cdx-button--weight-quiet" aria-hidden="true" ><span class="vector-dropdown-label-text">алатник</span> </label> <div class="vector-dropdown-content"> <div id="vector-page-tools-unpinned-container" class="vector-unpinned-container"> <div id="vector-page-tools" class="vector-page-tools vector-pinnable-element"> <div class="vector-pinnable-header vector-page-tools-pinnable-header vector-pinnable-header-unpinned" data-feature-name="page-tools-pinned" data-pinnable-element-id="vector-page-tools" data-pinned-container-id="vector-page-tools-pinned-container" data-unpinned-container-id="vector-page-tools-unpinned-container" > <div class="vector-pinnable-header-label">Алатки</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-page-tools.pin">премести во страничникот</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-page-tools.unpin">скриј</button> </div> <div id="p-cactions" class="vector-menu mw-portlet mw-portlet-cactions emptyPortlet vector-has-collapsible-items" title="Повеќе можности" > <div class="vector-menu-heading"> Дејства </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="ca-more-view" class="selected vector-more-collapsible-item mw-list-item"><a href="/wiki/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0"><span>Читај</span></a></li><li id="ca-more-ve-edit" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit" title="Уредете ја страницава [v]" accesskey="v"><span>Уреди</span></a></li><li id="ca-more-edit" class="collapsible vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit" title="Уредување на изворниот код на страницава [e]" accesskey="e"><span>Уреди извор</span></a></li><li id="ca-more-history" class="vector-more-collapsible-item mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=history"><span>Историја</span></a></li> </ul> </div> </div> <div id="p-tb" class="vector-menu mw-portlet mw-portlet-tb" > <div class="vector-menu-heading"> Општо </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="t-whatlinkshere" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A8%D1%82%D0%BE%D0%92%D0%BE%D0%B4%D0%B8%D0%9E%D0%B2%D0%B4%D0%B5/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" title="Список на сите викистраници што водат овде [j]" accesskey="j"><span>Што води овде</span></a></li><li id="t-recentchangeslinked" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9F%D0%BE%D0%B2%D1%80%D0%B7%D0%B0%D0%BD%D0%B8%D0%9F%D1%80%D0%BE%D0%BC%D0%B5%D0%BD%D0%B8/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0" rel="nofollow" title="Скорешни промени на страници со врски на оваа страница [k]" accesskey="k"><span>Поврзани промени</span></a></li><li id="t-specialpages" class="mw-list-item"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BB%D1%83%D0%B6%D0%B1%D0%B5%D0%BD%D0%B8%D0%A1%D1%82%D1%80%D0%B0%D0%BD%D0%B8%D1%86%D0%B8" title="Список на сите 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href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%A1%D0%BA%D1%80%D0%B0%D1%82%D1%83%D0%B2%D0%B0%D1%87%D0%9D%D0%B0URL&url=https%3A%2F%2Fmk.wikipedia.org%2Fwiki%2F%25D0%259A%25D0%25B0%25D0%25BC%25D0%25B0%25D1%2582%25D0%25B0"><span>Дај скратена URL</span></a></li><li id="t-urlshortener-qrcode" class="mw-list-item"><a href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:QrCode&url=https%3A%2F%2Fmk.wikipedia.org%2Fwiki%2F%25D0%259A%25D0%25B0%25D0%25BC%25D0%25B0%25D1%2582%25D0%25B0"><span>Преземи QR-код</span></a></li> </ul> </div> </div> <div id="p-coll-print_export" class="vector-menu mw-portlet mw-portlet-coll-print_export" > <div class="vector-menu-heading"> Печати/извези </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li id="coll-create_a_book" class="mw-list-item"><a href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9A%D0%BD%D0%B8%D0%B3%D0%B0&bookcmd=book_creator&referer=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0"><span>Создај книга</span></a></li><li id="coll-download-as-rl" class="mw-list-item"><a href="/w/index.php?title=%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:DownloadAsPdf&page=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=show-download-screen"><span>Преземи како PDF</span></a></li><li id="t-print" class="mw-list-item"><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&printable=yes" title="Верзија за печатење на оваа страница [p]" accesskey="p"><span>Верзија за печатење</span></a></li> </ul> </div> </div> <div id="p-wikibase-otherprojects" class="vector-menu mw-portlet mw-portlet-wikibase-otherprojects" > <div class="vector-menu-heading"> На други проекти </div> <div class="vector-menu-content"> <ul class="vector-menu-content-list"> <li class="wb-otherproject-link wb-otherproject-commons mw-list-item"><a href="https://commons.wikimedia.org/wiki/Category:Interest_(financial)" hreflang="en"><span>Ризница</span></a></li><li id="t-wikibase" class="wb-otherproject-link wb-otherproject-wikibase-dataitem mw-list-item"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q170924" title="Врска до поврзаниот предмет во складиштето за податоци [g]" accesskey="g"><span>Предмет на Википодатоци</span></a></li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> </div> <div class="vector-column-end"> <div class="vector-sticky-pinned-container"> <nav class="vector-page-tools-landmark" aria-label="Алатки за страници"> <div id="vector-page-tools-pinned-container" class="vector-pinned-container"> </div> </nav> <nav class="vector-appearance-landmark" aria-label="Изглед"> <div id="vector-appearance-pinned-container" class="vector-pinned-container"> <div id="vector-appearance" class="vector-appearance vector-pinnable-element"> <div class="vector-pinnable-header vector-appearance-pinnable-header vector-pinnable-header-pinned" data-feature-name="appearance-pinned" data-pinnable-element-id="vector-appearance" data-pinned-container-id="vector-appearance-pinned-container" data-unpinned-container-id="vector-appearance-unpinned-container" > <div class="vector-pinnable-header-label">Изглед</div> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-pin-button" data-event-name="pinnable-header.vector-appearance.pin">премести во страничникот</button> <button class="vector-pinnable-header-toggle-button vector-pinnable-header-unpin-button" data-event-name="pinnable-header.vector-appearance.unpin">скриј</button> </div> </div> </div> </nav> </div> </div> <div id="bodyContent" class="vector-body" aria-labelledby="firstHeading" data-mw-ve-target-container> <div class="vector-body-before-content"> <div class="mw-indicators"> </div> <div id="siteSub" class="noprint">Од Википедија — слободната енциклопедија</div> </div> <div id="contentSub"><div id="mw-content-subtitle"></div></div> <div id="mw-content-text" class="mw-body-content"><div class="mw-content-ltr mw-parser-output" lang="mk" dir="ltr"><p><b>Камата</b> (<a href="/wiki/%D0%90%D0%BD%D0%B3%D0%BB%D0%B8%D1%81%D0%BA%D0%B8_%D1%98%D0%B0%D0%B7%D0%B8%D0%BA" title="Англиски јазик">англиски</a>: <span lang="en"><i>Interest</i></span>) е трошокот на позајмувањето или цената што се плаќа за позајмувањето средства. Износот кој се позајмува се нарекува <a href="/w/index.php?title=%D0%93%D0%BB%D0%B0%D0%B2%D0%BD%D0%B8%D1%86%D0%B0&action=edit&redlink=1" class="new" title="Главница (страницата не постои)">главница</a>, а процентот од каматата кој се плаќа на главницата е <a href="/wiki/%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%BD%D0%B0_%D1%81%D1%82%D0%B0%D0%BF%D0%BA%D0%B0" title="Каматна стапка">каматна стапка</a>.<sup id="cite_ref-ReferenceA_1-0" class="reference"><a href="#cite_note-ReferenceA-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> Една од поедноставните дефиниции на каматната стапка е дека таа го претставува соодносот помеѓу надоместокот што мора да ги плаќаме за да се здобиеме со користење на <a href="/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82" title="Кредит">кредитот</a>, поделен со износот на добиениот кредит.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Историски_и_етички_аспекти_на_каматата"><span id=".D0.98.D1.81.D1.82.D0.BE.D1.80.D0.B8.D1.81.D0.BA.D0.B8_.D0.B8_.D0.B5.D1.82.D0.B8.D1.87.D0.BA.D0.B8_.D0.B0.D1.81.D0.BF.D0.B5.D0.BA.D1.82.D0.B8_.D0.BD.D0.B0_.D0.BA.D0.B0.D0.BC.D0.B0.D1.82.D0.B0.D1.82.D0.B0"></span>Историски и етички аспекти на каматата</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=1" title="Уреди го одделот „Историски и етички аспекти на каматата“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=1" title="Уреди изворен код на одделот: Историски и етички аспекти на каматата"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Каматата е позната уште од најстарите цивилизации, како што е <a href="/wiki/%D0%A1%D1%83%D0%BC%D0%B5%D1%80" title="Сумер">сумерската</a>. Историските документи од времето на Сумерската цивилизација укажуваат на формализиран систем на <a href="/wiki/%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82" title="Кредит">кредитирање</a> заснован на <a href="/wiki/%D0%A1%D1%80%D0%B5%D0%B1%D1%80%D0%BE" title="Сребро">сребро</a> и жито, две главни средства за плаќање. Среброто се употребувало како средство за плаќање во <a href="/wiki/%D0%93%D1%80%D0%B0%D0%B4" title="Град">градовите</a>, а <a href="/wiki/%D0%96%D0%B8%D1%82%D0%BE" title="Жито">житото</a> во селата. Според многу религии концептот на каматата е неетички. Причината е остварување приходи без труд. Поради ова, каматата е делумно забранета во <a href="/wiki/%D0%A5%D1%80%D0%B8%D1%81%D1%82%D0%B8%D1%98%D0%B0%D0%BD%D1%81%D1%82%D0%B2%D0%BE" title="Христијанство">Христијанството</a> и <a href="/wiki/%D0%88%D1%83%D0%B4%D0%B0%D0%B8%D0%B7%D0%B0%D0%BC" title="Јудаизам">Јудаизмот</a>, додека пак во <a href="/wiki/%D0%98%D1%81%D0%BB%D0%B0%D0%BC" title="Ислам">Исламот</a> е целосно забранета. </p> <div class="mw-heading mw-heading2"><h2 id="Причини_за_постоење_на_каматата"><span id=".D0.9F.D1.80.D0.B8.D1.87.D0.B8.D0.BD.D0.B8_.D0.B7.D0.B0_.D0.BF.D0.BE.D1.81.D1.82.D0.BE.D0.B5.D1.9A.D0.B5_.D0.BD.D0.B0_.D0.BA.D0.B0.D0.BC.D0.B0.D1.82.D0.B0.D1.82.D0.B0"></span>Причини за постоење на каматата</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=2" title="Уреди го одделот „Причини за постоење на каматата“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=2" title="Уреди изворен код на одделот: Причини за постоење на каматата"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Има неколку причини поради кои се користи каматата:<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p> <ul><li>Чистата временска преференција кон сегашноста во однос на иднината – Луѓето едноставно повеќе сакаат да трошат сега, отколку тоа да го одлагаат за во иднина. Секој би сакал да има богатство како дваесетгодишник, наместо тоа да го има на шеесетгодишна возраст</li> <li>Стравот, неизвесноста од иднината – Иднината е неизвесна. Ветувањето за идни приливи ги прави луѓето попретпазливи во однос на оној што им ги ветил парите.</li> <li><a href="/wiki/%D0%98%D0%BD%D1%84%D0%BB%D0%B0%D1%86%D0%B8%D1%98%D0%B0" title="Инфлација">Инфлација</a> – Инфлацијата,намалувањето на вредноста на парите е нормална и редовна појава во последниве децении секаде во светот. Поради тоа, 100 <a href="/wiki/%D0%9F%D0%B0%D1%80%D0%B8" title="Пари">парични</a> единици денес ќе вредат реално помалку по една или повеќе години доколку постои инфлација, а особено доколку таа е со повисока стапка.</li> <li>Можност за инвестирање (<a href="/wiki/%D0%9E%D0%BF%D0%BE%D1%80%D1%82%D1%83%D0%BD%D0%B8%D1%82%D0%B5%D1%82%D0%B5%D0%BD_%D1%82%D1%80%D0%BE%D1%88%D0%BE%D0%BA" title="Опортунитетен трошок">опортунитетен трошок</a>) – Доколку денес располагаме со одреден паричен износ, имаме можност тој да го вложиме, и со тоа, по истекот на одреден временски период да располагаме со повеќе пари отколку што сме имале на почетокот.</li></ul> <div class="mw-heading mw-heading2"><h2 id="Видови_каматни_стапки"><span id=".D0.92.D0.B8.D0.B4.D0.BE.D0.B2.D0.B8_.D0.BA.D0.B0.D0.BC.D0.B0.D1.82.D0.BD.D0.B8_.D1.81.D1.82.D0.B0.D0.BF.D0.BA.D0.B8"></span>Видови каматни стапки</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=3" title="Уреди го одделот „Видови каматни стапки“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=3" title="Уреди изворен код на одделот: Видови каматни стапки"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Постојат неколку видови каматни стапки:<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> </p> <ul><li><a href="/w/index.php?title=%D0%9D%D0%BE%D0%BC%D0%B8%D0%BD%D0%B0%D0%BB%D0%BD%D0%B0_%D0%BA%D0%B0%D0%BC%D0%B0%D1%82%D0%BD%D0%B0_%D1%81%D1%82%D0%B0%D0%BF%D0%BA%D0%B0&action=edit&redlink=1" class="new" title="Номинална каматна стапка (страницата не постои)">Номинална каматна стапка</a> – Номинална каматна стапка е каматната стапка што стои во договорот помеѓу <a href="/w/index.php?title=%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82%D0%BE%D1%80&action=edit&redlink=1" class="new" title="Кредитор (страницата не постои)">кредиторот</a> и <a href="/w/index.php?title=%D0%94%D0%BE%D0%BB%D0%B6%D0%BD%D0%B8%D0%BA&action=edit&redlink=1" class="new" title="Должник (страницата не постои)">должникот</a>, и не ја зема предвид <a href="/wiki/%D0%98%D0%BD%D1%84%D0%BB%D0%B0%D1%86%D0%B8%D1%98%D0%B0" title="Инфлација">инфлацијата</a></li> <li><a href="/w/index.php?title=%D0%A0%D0%B5%D0%B0%D0%BB%D0%BD%D0%B0_%D0%BA%D0%B0%D0%BC%D0%B0%D1%82%D0%BD%D0%B0_%D1%81%D1%82%D0%B0%D0%BF%D0%BA%D0%B0&action=edit&redlink=1" class="new" title="Реална каматна стапка (страницата не постои)">Реална каматна стапка</a> – Реалната каматна стапка се разликува од номиналната по тоа што ја зема предвид и очекуваната инфлација, со цел поточно да го рефлектира вистинскиот трошок на позајмувањето. Ова е каматната стапка што е најважна за донесување на економски одлуки. Реалната каматна стапка прецизно се дефинира преку <a href="/w/index.php?title=%D0%A4%D0%B8%D1%88%D0%B5%D1%80%D0%BE%D0%B2%D0%B0_%D1%80%D0%B0%D0%B2%D0%B5%D0%BD%D0%BA%D0%B0&action=edit&redlink=1" class="new" title="Фишерова равенка (страницата не постои)">Фишеровата равенка</a>, според која реалната каматна стапка е еднаква на номиналната каматна стапка минус очекуваната стапка на инфлација</li> <li><a href="/w/index.php?title=%D0%94%D0%B5%D0%BB%D0%BE%D1%82%D0%B2%D0%BE%D1%80%D0%BD%D0%B0_%D0%BA%D0%B0%D0%BC%D0%B0%D1%82%D0%BD%D0%B0_%D1%81%D1%82%D0%B0%D0%BF%D0%BA%D0%B0&action=edit&redlink=1" class="new" title="Делотворна каматна стапка (страницата не постои)">Делотворна каматна стапка</a> – Делотворна каматна стапка е износот којшто кредиторот делотворно го добива, по одбивањето на <a href="/wiki/%D0%94%D0%B0%D0%BD%D0%BE%D0%BA" title="Данок">данокот</a> и други евентуални <a href="/wiki/%D0%A2%D1%80%D0%BE%D1%88%D0%BE%D1%86%D0%B8" class="mw-redirect" title="Трошоци">трошоци</a>.</li></ul> <div class="mw-heading mw-heading2"><h2 id="Значењето_на_каматата"><span id=".D0.97.D0.BD.D0.B0.D1.87.D0.B5.D1.9A.D0.B5.D1.82.D0.BE_.D0.BD.D0.B0_.D0.BA.D0.B0.D0.BC.D0.B0.D1.82.D0.B0.D1.82.D0.B0"></span>Значењето на каматата</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=4" title="Уреди го одделот „Значењето на каматата“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=4" title="Уреди изворен код на одделот: Значењето на каматата"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Каматните стапки се значајни на многу различни нивоа. На персонално ниво, високите каматни стапки можат да ве одвратат од купување куќа или <a href="/wiki/%D0%90%D0%B2%D1%82%D0%BE%D0%BC%D0%BE%D0%B1%D0%B8%D0%BB" title="Автомобил">автомобил</a> ако трошокот за финансирање на таквата активност е висок. Од друга страна, високите каматни стапки можат да ве стимулираат да штедите, бидејќи во таков случај би заработиле поголема камата преку претворање на дел од вашите заработки во заштеди. На погенерално ниво, каматните стапки имаат влијание врз целокупното здравје на <a href="/wiki/%D0%95%D0%BA%D0%BE%D0%BD%D0%BE%D0%BC%D0%B8%D1%98%D0%B0" title="Економија">економијата</a>, бидејќи тие не влијаат само врз подготвеноста на потрошувачите да трошат или да штедат, туку и врз одлуките за <a href="/w/index.php?title=%D0%98%D0%BD%D0%B2%D0%B5%D1%81%D1%82%D0%B8%D1%86%D0%B8%D1%98%D0%B0&action=edit&redlink=1" class="new" title="Инвестиција (страницата не постои)">бизнис-инвестиции</a>.<sup id="cite_ref-ReferenceA_1-1" class="reference"><a href="#cite_note-ReferenceA-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Законско_регулирање_на_каматата"><span id=".D0.97.D0.B0.D0.BA.D0.BE.D0.BD.D1.81.D0.BA.D0.BE_.D1.80.D0.B5.D0.B3.D1.83.D0.BB.D0.B8.D1.80.D0.B0.D1.9A.D0.B5_.D0.BD.D0.B0_.D0.BA.D0.B0.D0.BC.D0.B0.D1.82.D0.B0.D1.82.D0.B0"></span>Законско регулирање на каматата</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=5" title="Уреди го одделот „Законско регулирање на каматата“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=5" title="Уреди изворен код на одделот: Законско регулирање на каматата"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Според членот 266-а од <a href="/w/index.php?title=%D0%97%D0%B0%D0%BA%D0%BE%D0%BD_%D0%B7%D0%B0_%D0%BE%D0%B1%D0%BB%D0%B8%D0%B3%D0%B0%D1%86%D0%B8%D0%BE%D0%BD%D0%B8%D1%82%D0%B5_%D0%BE%D0%B4%D0%BD%D0%BE%D1%81%D0%B8&action=edit&redlink=1" class="new" title="Закон за облигационите односи (страницата не постои)">Законот за облигационите односи</a>, казнената камата во <a href="/wiki/%D0%9C%D0%B0%D0%BA%D0%B5%D0%B4%D0%BE%D0%BD%D0%B8%D1%98%D0%B0" title="Македонија">Македонија</a> се определува посебно за секое полугодие, и тоа врз основа на референтната каматна стапка на <a href="/wiki/%D0%9D%D0%91%D0%A0%D0%9C" class="mw-redirect" title="НБРМ">НБРМ</a> (каматната стапка на основниот инструмент на <a href="/w/index.php?title=%D0%9E%D0%BF%D0%B5%D1%80%D0%B0%D1%86%D0%B8%D0%B8_%D0%BD%D0%B0_%D0%BE%D1%82%D0%B2%D0%BE%D1%80%D0%B5%D0%BD%D0%B8%D0%BE%D1%82_%D0%BF%D0%B0%D0%B7%D0%B0%D1%80&action=edit&redlink=1" class="new" title="Операции на отворениот пазар (страницата не постои)">операциите на отворениот пазар</a>) што важела на последниот ден од претходното полугодие. Потоа, референтната каматна стапка на НБРМ се зголемува за десет процентни бодови во трговските договори и во договорите меѓу трговци и лица на јавното право, односно на осум процентни бодови во договорите во кои барем едното лице не е трговец.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Наводи"><span id=".D0.9D.D0.B0.D0.B2.D0.BE.D0.B4.D0.B8"></span>Наводи</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=6" title="Уреди го одделот „Наводи“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=6" title="Уреди изворен код на одделот: Наводи"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <ol class="references"> <li id="cite_note-ReferenceA-1"><span class="mw-cite-backlink">↑ <sup><a href="#cite_ref-ReferenceA_1-0">1,0</a></sup> <sup><a href="#cite_ref-ReferenceA_1-1">1,1</a></sup></span> <span class="reference-text">Фредерик С. Мишкин, <i>Економија на пари, банкарство и финансиски пазари</i>. Скопје: Магор, 2010, стр. 4.</span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><a href="#cite_ref-2">↑</a></span> <span class="reference-text">Peter Rose, <i>Commercial Bank Management</i>. Irwin/McGraw-Hill, 1991.</span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><a href="#cite_ref-3">↑</a></span> <span class="reference-text">Сашо Арсов, <i>Финансиски менаџмент</i>, Скопје: Економски факултет, 2008, стр. 95-96.</span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><a href="#cite_ref-4">↑</a></span> <span class="reference-text">Фредерик С. Мишкин, <i>Економија на пари, банкарство и финансиски пазари</i>. Скопје; Магор, 2010, стр. 87.</span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><a href="#cite_ref-5">↑</a></span> <span class="reference-text">Никола Главинче, „Исплата на обврски со отстапување на побарување“, <i>Економија и бизнис</i>, година 18, број 220, октомври 2016, стр. 62-63.</span> </li> </ol> <div class="mw-heading mw-heading2"><h2 id="Надворешни_врски"><span id=".D0.9D.D0.B0.D0.B4.D0.B2.D0.BE.D1.80.D0.B5.D1.88.D0.BD.D0.B8_.D0.B2.D1.80.D1.81.D0.BA.D0.B8"></span>Надворешни врски</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&veaction=edit&section=7" title="Уреди го одделот „Надворешни врски“" class="mw-editsection-visualeditor"><span>уреди</span></a><span class="mw-editsection-divider"> | </span><a href="/w/index.php?title=%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%B0&action=edit&section=7" title="Уреди изворен код на одделот: Надворешни врски"><span>уреди извор</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://matematickitalent.mk/uploads/books/1Q8PLT2OgE2MGSUSPhZl6Q.pdf">Ристо Малчески, Самоил Малчески, „Основи на финансиска математика“</a>, Скопје, 2020, глава 1.</li> <li><a rel="nofollow" class="external text" href="https://bi.mk/shto-e-kamata-i-kakvi-vidovi-na-kamati-postojat/">„Што е камата и какви видови на камати постојат?“</a> <small><a rel="nofollow" class="external text" href="https://web.archive.org/web/20190329104305/https://bi.mk/shto-e-kamata-i-kakvi-vidovi-na-kamati-postojat/">Архивирано</a> на 29 март 2019 г.</small>, „БизнисИнфо“</li></ul> <table class="navbox" style="border-spacing:0"><tbody><tr><td style="padding:2px"><table class="nowraplinks hlist navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="row" class="navbox-group"><a 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href="/wiki/%D0%9E%D0%B1%D0%B5%D0%B4%D0%B8%D0%BD%D0%B5%D1%82%D0%B0_%D0%BD%D0%BE%D1%80%D0%BC%D0%B0%D1%82%D0%B8%D0%B2%D0%BD%D0%B0_%D0%BF%D0%BE%D0%B4%D0%B0%D1%82%D0%BE%D1%82%D0%B5%D0%BA%D0%B0" title="Обединета нормативна податотека">GND</a>: <span class="uid"><a rel="nofollow" class="external text" href="http://d-nb.info/gnd/4067845-3">4067845-3</a></span></li> <li><a href="/wiki/%D0%9D%D0%B0%D1%86%D0%B8%D0%BE%D0%BD%D0%B0%D0%BB%D0%BD%D0%B0_%D0%B1%D0%B8%D0%B1%D0%BB%D0%B8%D0%BE%D1%82%D0%B5%D0%BA%D0%B0_%D0%BD%D0%B0_%D0%A4%D1%80%D0%B0%D0%BD%D1%86%D0%B8%D1%98%D0%B0" title="Национална библиотека на Франција">BNF</a>: <span class="uid"><a rel="nofollow" class="external text" href="http://catalogue.bnf.fr/ark:/12148/cb11974115k">cb11974115k</a> <a rel="nofollow" class="external text" href="http://data.bnf.fr/ark:/12148/cb11974115k">(податоци)</a></span></li> <li><a href="/wiki/%D0%98%D1%81%D1%82%D0%BE%D1%80%D0%B8%D1%81%D0%BA%D0%B8_%D1%80%D0%B5%D1%87%D0%BD%D0%B8%D0%BA_%D0%BD%D0%B0_%D0%A8%D0%B2%D0%B0%D1%98%D1%86%D0%B0%D1%80%D0%B8%D1%98%D0%B0" title="Историски речник на Швајцарија">HDS</a>: <span class="uid"><a rel="nofollow" class="external text" href="http://www.hls-dhs-dss.ch/textes/f/F013923.php">013923</a></span></li> <li><a href="/wiki/%D0%9D%D0%B0%D1%86%D0%B8%D0%BE%D0%BD%D0%B0%D0%BB%D0%BD%D0%B0_%D0%BF%D0%B0%D1%80%D0%BB%D0%B0%D0%BC%D0%B5%D0%BD%D1%82%D0%B0%D1%80%D0%BD%D0%B0_%D0%B1%D0%B8%D0%B1%D0%BB%D0%B8%D0%BE%D1%82%D0%B5%D0%BA%D0%B0_(%D0%88%D0%B0%D0%BF%D0%BE%D0%BD%D0%B8%D1%98%D0%B0)" title="Национална парламентарна библиотека (Јапонија)">NDL</a>: <span class="uid"><a rel="nofollow" class="external text" href="http://id.ndl.go.jp/auth/ndlna/00569550">00569550</a></span></li> <li><a href="/wiki/%D0%9D%D0%B0%D1%86%D0%B8%D0%BE%D0%BD%D0%B0%D0%BB%D0%BD%D0%B0_%D0%B1%D0%B8%D0%B1%D0%BB%D0%B8%D0%BE%D1%82%D0%B5%D0%BA%D0%B0_%D0%BD%D0%B0_%D0%A7%D0%B5%D1%88%D0%BA%D0%B0" title="Национална библиотека на Чешка">NKC</a>: <span class="uid"><a rel="nofollow" class="external text" href="http://aleph.nkp.cz/F/?func=find-c&local_base=aut&ccl_term=ica=ph135596&CON_LNG=ENG">ph135596</a></span></li></ul> </div></td></tr></tbody></table></td></tr></tbody></table></div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?type=1x1&useformat=desktop" alt="" width="1" height="1" style="border: none; position: absolute;"></noscript> <div class="printfooter" data-nosnippet="">Преземено од „<a dir="ltr" href="https://mk.wikipedia.org/w/index.php?title=Камата&oldid=5294135">https://mk.wikipedia.org/w/index.php?title=Камата&oldid=5294135</a>“</div></div> <div id="catlinks" class="catlinks" data-mw="interface"><div id="mw-normal-catlinks" class="mw-normal-catlinks"><a href="/wiki/%D0%A1%D0%BF%D0%B5%D1%86%D0%B8%D1%98%D0%B0%D0%BB%D0%BD%D0%B0:%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D0%B8" title="Специјална:Категории">Категории</a>: <ul><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%91%D0%B0%D0%BD%D0%BA%D0%B0%D1%80%D1%81%D1%82%D0%B2%D0%BE" title="Категорија:Банкарство">Банкарство</a></li><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%9A%D0%B0%D0%BC%D0%B0%D1%82%D0%BD%D0%B8_%D1%81%D1%82%D0%B0%D0%BF%D0%BA%D0%B8" title="Категорија:Каматни стапки">Каматни стапки</a></li><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%9A%D1%80%D0%B5%D0%B4%D0%B8%D1%82" title="Категорија:Кредит">Кредит</a></li><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%A4%D0%B8%D0%BD%D0%B0%D0%BD%D1%81%D0%B8%D0%B8" title="Категорија:Финансии">Финансии</a></li></ul></div><div id="mw-hidden-catlinks" class="mw-hidden-catlinks mw-hidden-cats-hidden">Скриени категории: <ul><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%A1%D1%82%D0%B0%D1%82%D0%B8%D0%B8_%D1%81%D0%BE_%D0%BD%D0%BE%D1%80%D0%BC%D0%B0%D1%82%D0%B8%D0%B2%D0%BD%D0%B0_%D0%BA%D0%BE%D0%BD%D1%82%D1%80%D0%BE%D0%BB%D0%B0_(LCCN)" title="Категорија:Википедија:Статии со нормативна контрола (LCCN)">Википедија:Статии со нормативна контрола (LCCN)</a></li><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%A1%D1%82%D0%B0%D1%82%D0%B8%D0%B8_%D1%81%D0%BE_%D0%BD%D0%BE%D1%80%D0%BC%D0%B0%D1%82%D0%B8%D0%B2%D0%BD%D0%B0_%D0%BA%D0%BE%D0%BD%D1%82%D1%80%D0%BE%D0%BB%D0%B0_(GND)" title="Категорија:Википедија:Статии со нормативна контрола (GND)">Википедија:Статии со нормативна контрола (GND)</a></li><li><a href="/wiki/%D0%9A%D0%B0%D1%82%D0%B5%D0%B3%D0%BE%D1%80%D0%B8%D1%98%D0%B0:%D0%92%D0%B8%D0%BA%D0%B8%D0%BF%D0%B5%D0%B4%D0%B8%D1%98%D0%B0:%D0%A1%D1%82%D0%B0%D1%82%D0%B8%D0%B8_%D1%81%D0%BE_%D0%BD%D0%BE%D1%80%D0%BC%D0%B0%D1%82%D0%B8%D0%B2%D0%BD%D0%B0_%D0%BA%D0%BE%D0%BD%D1%82%D1%80%D0%BE%D0%BB%D0%B0_(BNF)" title="Категорија:Википедија:Статии со нормативна контрола (BNF)">Википедија:Статии со нормативна контрола (BNF)</a></li></ul></div></div> </div> </main> </div> <div class="mw-footer-container"> <footer id="footer" class="mw-footer" > <ul id="footer-info"> <li id="footer-info-lastmod"> Последната промена на страницава е извршена на 20 ноември 2024 г. во 16:36 ч.</li> <li id="footer-info-copyright">Текстот е достапен под условите на лиценцата <a rel="nofollow" class="external text" href="https://creativecommons.org/licenses/by-sa/4.0/">Криејтив комонс Наведи извор-Сподели под исти услови</a>. 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