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RACING: Private sector drive economic development and the government to launch its facilities


yota691
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Bank loans and income levels

 

 

   
 

 
 


2/26/2017 0:00 

Dr.. Mustafa Kamel 
based banks , bank credit , which is to grant loans to projects and business part of it in order to finance its investment plans and expanding the base of production. The process of granting bank loans are based on naturally to the legislation and the law and a series of measures to facilitate the process of granting loans to individuals, as there would be a private transaction in the amount of the loan must meet a number of Acharoat should be available in the student loan for his inclusion in the loan granted. 
One of the main conditions that are being emphasized to the student loan ( the beneficiary) is the financial ability to pay the installments of the loan amount as well as the loan represented the interest rate imposed on the loan service, in addition to demanding the beneficiary bank to provide sufficient guarantees to cover the loan and the value of benefits. The allowances granted by the bank to individuals , it is based on the circumstance of the project and its kind until the check cash flow to him. The interest rate , it is inversely proportional to the desire of individuals to borrow higher the interest rate charged by the bank down increased willingness of individuals to borrow the banking and vice versa. The reason for this is the fact that the interest rate is a financial burden falls on the borrower (beneficiary) the more the interest rate the amount of the financial burden on the borrower increased the lead to reduced willingness to borrow and vice versa. 
If that the bank should have a perception of the whole financial situation of the borrower in terms of his ability to fulfill its financial obligations, and under that is the bank 's report to approve the granting of bank borrowing or not. In order to achieve the maximum benefit are possible for the bank and the beneficiary both the Bank classifies banking borrowing into two types bank borrowing and consumer borrowing investment banker, as it is discrimination under this category of beneficiaries with low incomes for beneficiaries with high incomes . If what was the goal of the bank to improve and support the livelihood opportunities Karim individuals enhances consumer borrowing , which is characterized by its usefulness and down the length of the stopper . But if the goal of the bank to increase and encourage investment , it promotes investment borrowing. This classification is very important in most countries of the world in general and developing countries in particular , where the majority of the people are the owners of entry 
 low. 
Each of the Rafidain Bank initiated and Rasheed in the provision of loans and advances to state employees and the private sector has been the target of this borrowing is tosupport the standard of living and investment opportunities, but these loans and advances endured a financial burden (interest) rate large , thereby depriving many individuals the chance to benefit from it , and in particular those who are They needed him most , but they are low - income earners who do not have a stable job and do not have adequate financial position in order to give them bank loan. Thus the process of granting bank loans in the absence of dependence distinction between consumer borrowing and investment are not able to achieve the goal is to support and improve the living situation of the majority of Iraqi society , which has been in categories 
poverty. 
The unwillingness of Iraqi banks to differentiate between consumer and investment banking loans was under the pretext of securing the salaries and wages of bank employees, considering that the banking borrowing financial investment a bank dividend is placed at the side of the assets in the bank 's budget, which strengthens the financial position and profit of the bank but on the low income earners account.
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26-02-2017 11:35 AM
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Rafidain Bank in the face of its branches in Baghdad and the provinces need to updated data on retired prove they are alive. 

The press office of the bank, said that ' the bank called on all its branches to conduct a comprehensive review of the certificate of retired life and prove its existence' adding that ' the agent who represents retired during the receipt of pension by providing life certificate fundamentalist and certified by the State Department. " 

The statement stressed that ' the bank will not , but regardless salary pension for a retired principal or agent who fulfill the conditions unlike those directives will bear the employee - based pension regardless responsibility for that.'

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Rivers directs its branches in Baghdad and the provinces to update a database of retirees getting paid

Rivers directs its branches in Baghdad and the provinces to update a database of retirees getting paid

 

   
 
 5 hours ago
 

 

Twilight News / Rafidain Bank in the face of its branches in Baghdad and the provinces need to updated data on retired prove they are alive.

Press office of the bank said in a statement responded to the Twilight News, Sunday, that the bank called on all its branches to conduct a comprehensive review of the certificate of retired life and prove its existence.

The statement noted that the agent who represents retired during the receipt of pension by providing life fundamentalist certificate and certified by the State Department.

The statement emphasized that the bank will not regardless salary pension only to a retired principal or agent who fulfill the conditions unlike those directives will bear the employee-based pension regardless responsible.

 

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Sunday February 26, 2017 14:19
 
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February 20, 2017
 

Alsumaria News / Baghdad
announced Rafidain Bank on Sunday his intention to institute legal proceedings against the "Almtlkian and Almtnsalin" who did not commit to pay money that discharged, stressing the importance of dealing with transparency and integrity of the citizen by the beneficiary of the bank 's services and commitment to the pledges made to him. 

The bank said in a statement received, Alsumaria News, a copy of it, it will begin to "lawsuits against Almtlkian and Almtnsalin their pledges of some customers who did not abide by paying money that discharged and retrieval on schedule."

 

 

 

 


He said the bank, that " the suits will also be against the circuit that made pledges and signed a commitment to deduct the dues from the bank employees ' salaries under the signed undertakings to the bank." 

The bank stressed " the importance of dealing with transparency and integrity of the citizen by the beneficiary of the bank 's services and commitment to the pledges made to the bank to enable the bank to continue to provide banking services to citizens and that undermine their satisfaction." 

The Rafidain Bank, called Sunday (February 19, 2017), the citizens of beneficiaries of its branches in Baghdad and the provinces services to commit to repay the money that discharged and retrieval on schedule, while the Governor of the Central Bank on the Keywords revealed that 30% of the loans that the granting of the Rafidain Bank staff "distressed."

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27-02-2017 10:51 AM
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Rafidain Bank in the face of its branches to respect citizens and to facilitate the completion of their transactions as soon as possible and not to delay or put obstacles in front of her and that would cause to disrupt the work of the bank. 

The press office of the bank, that ' the director of the year the bank had visited a number of its branches in Baghdad and Karbala , and met with the management and employees of those branches and listened to a detailed explanation of the nature of the work and achievements in the banking business, and urged that more efforts and harnessing human potential to reach the level required in banking services provided to citizens and stand on the problems and obstacles, diagnosis and finding appropriate solutions to them. ' 

The statement added , 'She also met with Director General of the bank with a number of citizens and listened to their needs and emphasized the need for providing banking services for customer service in the public interest, as directed branch officers to refrain from exploiting function of a benefit or a personal profit for him or for others'.

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Iraq warns its staff in Baghdad and the provinces of "exploiting Position" and invite them to facilitate the reviewers measures 

  • BAGHDAD / tomorrow Press:
  • Face of the Rafidain Bank, on Monday, his staff in Baghdad and the provinces, to speed up the solution of the problems and obstacles faced by reviewers for its branches, warning employees of exploitation-in for "a benefit or personal gain".
  • The press office of the bank, in a statement, "tomorrow Press" received a copy of it, that "the director general bank visited a number of its branches in Baghdad and Karbala, and met with the management and employees of those branches and listened to a detailed explanation of the nature of the work and achievements in the banking business."
  • The statement added that "the Director urged more efforts and harnessing human potential to reach the level required in the banking services provided to citizens and stand on the problems and obstacles, diagnosis and finding appropriate solutions to them."
  • He said the bank in its statement, "also met with the director of the bank in a number of citizens and listened to their needs and emphasized the need for providing banking services for customer service in the public interest."
  • He noted that his manager, "directed branch officers to refrain from exploiting position to achieve personal benefit or profit for himself or for others."

 

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Rafidain Bank announces the sale of the dollar to citizens through its branches dinars 1200

economy

 Since 28/02/2017 13:02 pm (Baghdad time)

30.jpg

BAGHDAD - balances News

Rafidain Bank, on Tuesday, stressed that the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces be 1200 dinars to the dollar.

 

The media office of the bank said in a statement received / balances News / copy of it, "the bank continuing to sell the dollar to beneficiaries in a number of its branches in Baghdad and the provinces of him," he said, adding that "the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces are in accordance with legal regulations."

 

"The bank was selling the dollar by 3 thousand dollars per person in 1200 in exchange for dinars per dollar and the right of any citizen of purchase and benefit from the price difference for the overall market," ./ ended 10 N.

 
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Tuesday February 28, 2017 12:44
 
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Alsumaria News / Baghdad 
He confirmed the Rafidain Bank , on Tuesday, to sell the dollar for the citizens in some of its branches in Baghdad and the provinces process will be in accordance with legal regulations that have been set, indicating that the dollar selling process is going smoothly.
 

The media office of the bank said in a statement received Alsumaria News copy of it, "the bank continuing to sell the dollar to beneficiaries in a number of its branches in Baghdad and the provinces of him," he said, adding that "the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces are in accordance with legal regulations."

 

 

 
"The bank was selling the dollar by 3 thousand dollars per person in 1200 in exchange for dinars per dollar and the right of any citizen of purchase and benefit from the price difference for the overall market."
 
The central bank issued in the (June 16, 2016) Instructions for banks that sell the dollar, which stipulates that the beneficiary offers passport with a ticket and the reason for his need for dollars for the purposes of treatment and official scholarship, study and other convincing reasons.
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Rivers: sell the dollar in the process of our branches in Baghdad and the provinces in accordance with legal regulations and these are the prices

Rivers: sell the dollar at our branches in Baghdad and the provinces the process in accordance with legal regulations and these are the prices

 

    
 
 2 hours ago
 

 

Twilight News / Rafidain Bank said on Tuesday that the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces are in accordance with legal regulations that have been established, noting that the sale process is going smoothly.

Press office of the bank said in a statement responded to the Twilight News, is continuing the bank sold the dollar to beneficiaries in a number of its branches in Baghdad and the provinces and branches are (Arab neighborhood - General Secretariat of the Council of Ministers - Kadhimiya - the role of the officers - Azwaip - Paradise Square - the Ministry of Defence - the Righteous - Palestine Street - Mustansir - KUT - death - Qadisiya - Babylon - Prince neighborhood - Abbas - Muthanna - Basra - Architecture - ur - Kirkuk).

The statement added that the bank fired selling the dollar rose to $ 3000 per person compared to 1200 dinars per dollar and the right of any citizen of purchase and benefit from the price difference for the overall market

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12674.jpg
   
 
Economy News / Baghdad ...
 
 
 
The Ministry of Finance, said its minister banker face Rafidain and Rasheed firing advance "Ten salaries" for state employees.
 
The ministry said in a statement obtained by "Economy News," a copy of it, that "in support of state employees all the face of the Minister of Finance Agency, Dr. Abdul Razzaq al-Issa bank Rafidain and Rasheed release of financial advances the equivalent of ten comprehensive salaries for nominal fixed allocations and no more than ten million dinars, according controls and regulations in force in both banks. "
 
The minister instructed dispensed in a transparent manner to ensure the smooth flow of arriving beneficiaries who wish to receive it.
 
 
 
 
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Views 1818   Date Added 02/28/2017 11:30 -   Last Updated 28/02/2017 - 14:43   No. Content 6812
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1 hour ago, yota691 said:

Rafidain Bank announces the sale of the dollar to citizens through its branches dinars 1200

economy

 Since 28/02/2017 13:02 pm (Baghdad time)

30.jpg

BAGHDAD - balances News

Rafidain Bank, on Tuesday, stressed that the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces be 1200 dinars to the dollar.

 

The media office of the bank said in a statement received / balances News / copy of it, "the bank continuing to sell the dollar to beneficiaries in a number of its branches in Baghdad and the provinces of him," he said, adding that "the process of selling the dollar for the citizens in some of its branches in Baghdad and the provinces are in accordance with legal regulations."

 

"The bank was selling the dollar by 3 thousand dollars per person in 1200 in exchange for dinars per dollar and the right of any citizen of purchase and benefit from the price difference for the overall market," ./ ended 10 N.

 

Thank You Yota ! GM DV's . It took 30 minutes for it to register in my mind this a.m. That the sale was at 1200 dinars . Let's See in the near future if that economists opinion a week ago means anything to the CBI. 

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Some people are saying 1.2, .83333, .90..... how do we figure out the possible rate? How does that work? Just curious because I've been doing some mathematics and trying to figure out a guestimate for myself. It's confusing.

 
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Rafidain Bank stresses the importance of resettlement of the employees' salaries in electronic account

01-03-2017 11:41 AM 

 

Rafidain Bank stressed the importance of settling the salaries of staff in electronic accounts so as to facilitate the provision of banking services to them.

Press office of the bank said in a statement, the bank stresses the importance of resettlement of the employees ' salaries electronically to facilitate the granting of loans and advances and other banking services in accordance with legal procedures for controls. 

The Bank also pointed out that the implementation of this step, was to maintain public money and the adoption of controls and uniform standards to ensure fairness and transparency for all employees, so as to improve the reality of the banking and access to the application necessary to improve the work of banks in Iraq to international standards.

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01-03-2017 01:27 PM
image.php?token=c0f9ec68428769e863680872ebd13b2d&size=
 


 

 

Rafidain Bank stressed the importance of settling the salaries of staff in electronic accounts in order to facilitate the provision of banking services to them. 

The press office of the bank, said that ' the bank stresses the importance of resettlement of the employees ' salaries electronically to facilitate the granting of loans and advances and other banking services in accordance with legal procedures controls'. 

He pointed out that ' the implementation of this move is to keep the public money and the adoption of controls and uniform standards to ensure fairness and transparency for all employees in order to improve the reality of the banking and access to the application necessary to improve the work of banks and international standards.'

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History of edits:: 01.03.2017 11:29 • 83 visits readable
Rivers stresses the importance of resettlement of the employees' salaries electronic accounts to give them loans and advances
[Oan- Baghdad] 
stressed the importance of the Rafidain Bank settlement of employees ' salaries in electronic accounts in order to facilitate the provision of banking services to them.
Press office of the bank said in a statement received by all of Iraq [where] a copy of it, that " the bank stresses the importance of resettlement of the employees ' salaries electronically to facilitate the granting of loans and advances and other banking services in accordance with legal procedures for the controls." 
He pointed out that " the implementation of this move is to keep the public money and the adoption of unified controls and standards to ensure fairness and transparency for all employees in order to improve the reality of the banking and access to the application necessary to improve the work of banks and international standards."
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12684.jpg
   
 
Economy News / Baghdad ...
 
 
 
Rafidain Bank, Wednesday stressed the importance of settling the salaries of staff in an e-accounts to give them loans and advances.
 
Press office of the bank said in a statement that "the economy News" received a copy of "The bank stresses the importance of resettlement of the employees' salaries electronically to facilitate the granting of loans and advances and other banking services in accordance with legal procedures for the controls."
 
"The implementation of this move is to keep the public money and the adoption of controls and uniform standards to ensure fairness and transparency for all employees in order to improve the reality of the banking and access to the application necessary to improve the work of banks and international standards."
 
 
 
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Views 910   Added 03/01/2017 - 11:18   Last updated 03/01/2017 - 16:39   No. Content 6817
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Rivers stresses the importance of resettlement of the employees' salaries electronic accounts to give them loans and advances

86 ShowLast update: Wednesday, March 1, 2017 - 16:44
Rivers stresses the importance of resettlement of the employees' salaries electronic accounts to give them loans and advances

Rafidain Bank stressed the importance of settling the salaries of staff in electronic accounts in order to facilitate the provision of banking services to them. Press office of the bank said in a statement, "The bank stresses the importance of resettlement of the employees' salaries electronically to facilitate the granting of loans and advances and other banking services in accordance with legal procedures for the controls." He pointed out that "the implementation of this move is to keep the public money and the adoption of unified controls and standards to ensure fairness and transparency for all employees in order to improve the reality of the banking and access to the application necessary to improve the work of banks and international standards."

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Rafidain Bank and the form of pension announce the immediate payment of military pensions

Rafidain Bank in the form of pension and announce the immediate payment of military pensions

 

  
 
 50 minutes ago
 

 

Twilight News / Rafidain Bank was launched on Sunday, military retirees pay for a meal this March through manual exchange and smart card.

Press office of the bank said in a statement responded to the Twilight News, he retired military personnel can receive their salaries through the bank branches deployed in Baghdad and the provinces at any time.

He noted that the bank's hand in the executive paydays after the arrival of lists of pensioners by the National Pension Commission noting that the bank is committed to its obligations to provide the best banking services to citizens, employees, retirees and other slides and facilitate the smooth flow of work.

So said the national pension body she began to pay military pensions for a meal for a meal in March 2017.

Body said in a statement that it also embarked on a campaign check (proof of life) where retirees have retired review Aseel received salaried and will appear in the list of salary phrase.

The agency said it (open proxy card after the authentic imprint) for smart card holders who have the agent to receive a pension.

The statement continued that the phrase will appear (proof retired authentic life) in the list of pension holders smart card where the retired should review the Court of the board of the national retirement or their branches in the provinces for the purpose of providing a certificate of life.

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Rivers issued electronic payment to receive salaries tools

economy

 Since 06.03.2017 at 10:39 (Baghdad time)

34.jpg

Baghdad balances News

Rafidain Bank, said Monday, one for issuing electronic payment instruments to the staff of the inspector general of the Ministry of Communications for receiving their monthly salaries through them to shorten the cash currency trading routine.

The bank said in a statement received / balances News / copy of it, he was "in coordination with the inspector general of the Ministry of Communications Office issued more than 100 of these cards within the electronic payment and settlement of employees' salaries in the private electronic tools accounts to receive their monthly salaries."

He pointed out that "This move is aimed at reducing the manual trading currency and the reduction of theft and robbery on the salaries of staff operations, especially when transported from the branches of the bank to circles" .anthy 29 / D 24

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06-03-2017 02:11 PM
image.php?token=4e885a2d9aed1f44f5ec0e6adc132247&size=
 


 

 

Rafidain Bank announced issuing one of the electronic payment instruments to the staff of the inspector general of the Ministry of the Office of Communications for the receipt of their monthly salaries through them to shorten the cash currency trading routine. 

The press office of the bank, said that ' the bank and in coordination with the inspector general of the Ministry of Communications Office issued more than 100 of these cards within the electronic payment and settlement of employees ' salaries in the private electronic tools accounts to receive their monthly salaries.' 

He pointed out that 'The move is aimed at reducing the manual trading currency and the reduction of theft and robbery on the salaries of staff operations, especially when transported from the branches of the bank to the departments'.

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  • yota691 changed the title to RACING: Private sector drive economic development and the government to launch its facilities
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