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

[pokerplayer]

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pp

[ChuckFinley]

I wonder how they are issuing those loans?  Iron cards or having them open accounts.   

[yota691]

Rafidain announces the completion of 13 transactions granting loans for the purchase of apartments in Basmaya

economy

 Since 2017-09-06 at 10:08 (Baghdad time)

Baghdad Mawazine News

Al-Rafidain Bank announced on Wednesday the completion of 13 transactions granting housing loans to citizens during the month of July.

"During July, the bank granted loans to citizens amounting to 13 transactions for the purchase of apartments in Basmaya residential complex," a statement issued by the office said.

"The bank continues to grant these loans for the purchase of residential units of Basmaya complex."

[yota691]

Rafidain announces the number of transactions completed to grant loans for the purchase of residential units of "Basmaya" during July

Release date: 2017/9/6 9:18 • 129 times read

{Baghdad: Al-Furat News} Rafidain Bank announced the completion of 13 transactions granting loans complex residential housing for citizens during the month of July.

The bank's information office said in a press statement received by the agency {Euphrates News} a copy of today that "the bank granted in July loans to citizens and amounted to 13 transactions." 
He pointed out that "the bank continues to grant these loans for the purchase of residential units of the complex Basmaya housing."

[yota691]

Rafidain: Completion of 13 transactions granting loans for the purchase of housing units from Basmaya during July

Release Date: 2017/9/6 9:45 • 116 times read

[Ain-Baghdad] 
Rafidain Bank announced the completion of the treatment of 13 loans granted housing complex citizens during the month of July.

The bank's information office said in a press statement received by the agency all of Iraq [where] a copy of it today that "the bank granted in July loans to citizens amounted to 13 transactions." 
He pointed out that "the bank continues to grant these loans for the purchase of housing units of the complex Basmaya housing."

[yota691]

Rafidain directs its branches to approve the proceeds instead of renting the shop by granting 15 million loans

 

 Since 2017-09-10 at 10:37 (Baghdad time)

Baghdad Mawazine News

Al-Rafidain Bank, on Sunday, directed its branches in Baghdad and the provinces to approve the receipt of the rent allowance for the shop in the granting of loans of small projects amounting to 15 million dinars.

The Bank's Information Office said in a statement received by Mawazine News that "the bank, in view of the difficulty of approving the tenancy contracts, decided to include all types of bank credit in relation to loans of small projects amounting to 15 million dinars in the provision of income instead of rent."

The office added that "the bank also decided to add support to the branch by the work of the citizen owner of the shop after the disclosure by him." Ended 29 / a 43

[yota691]

Rafidain directs the adoption of receipts instead of rent the shop in the granting of loans 15 million

 

Sunday 10 September

 

 

 

 

Alsumaria News / Baghdad The face of the Rafidain Bank , Sunday, the adoption of receipts instead of renting the shop in the granting of loans 15 million, pointing to support by the branch works by the citizen "owner of the shop" after the disclosure by him.  The bank's information office said in a statement received by Alsumaria News that "the bank directed the adoption of receipts instead of renting the shop to grant loans 15 million within its branches in Baghdad and the provinces."  The office added that "the bank and given the difficulty of the ratification of tenancy contracts decided to include all types of bank credit in terms of loans to small projects in the provision of receipts instead of rent," adding that "the bank also decided to add support to the branch by the work of the owner (owner) Disclosure by him ". Rafidain Bank had started in 2016 granting loans and advances to employees and citizens in accordance with certain mechanisms and controls.

[SnowGlobe7]

oooh the oxygen tube guy!!!!!

[ChuckFinley]

3 minutes ago, SnowGlobe7 said:

oooh the oxygen tube guy!!!!!

LOL. I miss seeing that guy and those stacks of dinar.   

[The Englishman]

 

Business

Small businesses in Kurdistan could see boost from Iraqi loan project

By Rudaw 2 hours ago

The Central Bank of Iraq .Rudaw photo.

ERBIL, Kurdistan Region – In a bid to boost the economy, the Iraqi Central Bank has earmarked $5 billion for small business loans to be issued through government and private banks. The loans are interest-free and borrowers are charged only for services amounting to 5.5 percent of the total loan.
 
"We provide loans more for those projects that have stopped work due to the economic crisis or have problems funding projects. For new projects, we have to carry out benefit investigations to make sure to what extent the project will become successful when it goes into effect," said Rihab Mati Hannah, head of Mosul Bank’s loans department.
 
"It is better for us to support those projects that have already started, even those that have started a year ago now," Hannah added.
 
Some of the Kurdistan Region's banks have already applied to have share in the sum earmarked by the central bank.
 
Cihan Bank and Kurdistan International Bank have each received funds amounting to two billion Iraqi dinars ($1.7 million). RT Bank and Erbil Bank are in the process of completing legal measures to also receive a share. 
 
"These kinds of loans are very beneficial for society, serving small and mid-sized businesses. At this time, these businesses need a party to support them to escape a crisis they suffer," Noora Rafid, a Kurdistan International Bank representative, told Rudaw.
 
Rafid added the largest loan they offer is 50 million Iraqi dinars ($42,700). 
 
"If you need six million, 10 million or 15 million, you could receive it," she said, adding "the loan will be in line with how much the borrower and the project need."
 
For more information, she urged people to visit the bank. 
 
The Kurdistan Region has been suffering an economic crisis since early 2014 due to a triple shock – budget cut from Baghdad, the ISIS war, and a dramatic drop in oil price, the Region's main source of revenue. 
 
In this tough economic environment, the number of new businesses in the Kurdistan Region has dropped to a near 10-year low. Only 1,233 new firms were registered in 2016, down from 3,423 in the boom year of 2013.

[yota691]

Rafidain Bank grants loans to hotel owners for 50 million dinars

16/09/2017

 

 

 

(Independent) .... Rafidain Bank branches to grant loans in the amount of 50 million for hoteliers, and set conditions for the grant of that loan.

The bank said in a statement received (independent) a copy on Saturday, that "the Rafidain Bank directed its branches in Baghdad and the provinces to grant a loan of 50 million dinars for hotel owners for the purposes of restoration."

He added that the bank has set a condition to grant 50 million loan to hotel owners, which is that the rate of completion of the hotel 100% to be a loan for the purpose of restoration and rehabilitation of the hotel, "explaining that" the grace period of 3 months and are paid for installments and interest monthly after the end of the grace period directly.

The Rafidain Bank announced on Saturday (10 June 2017), the granting of loans to citizens and small entrepreneurs in dinars and the US dollar.

During the past year, the bank has extended loans and advances to employees, hoteliers and health professionals, with amounts ranging between KD 10 million and KD 50 million.

[yota691]

7 09:25 AM

Rafidain puts conditions to grant 50 million loan to hotel owners

 

 

 

Al-Rafidain Bank, on Saturday, extended its branches to grant 50 million loan to hoteliers, while setting conditions for the granting of such loan. The bank said in a statement, that 'Rafidain Bank directed its branches in Baghdad and the provinces to grant a loan of 50 million dinars for hotel owners for the purposes of restoration'. He added that the bank has set a condition to grant 50 million loan to hotel owners, which is that the rate of completion of the hotel 100% to be the loan for the purpose of restoration and rehabilitation of the hotel. "He explained that 'the grace period of 3 months and the payment of installments and interest monthly after the end of the grace period directly'. The Rafidain Bank announced on Saturday (10 June 2017), the granting of loans to citizens and small entrepreneurs in dinars and the US dollar. In the past year, the bank has also extended loans and advances to employees, hoteliers and health professionals in amounts ranging between KD 10 million and JD 50 million.

[Synopsis]

7 hours ago, yota691 said:

The Rafidain Bank announced on Saturday (10 June 2017), the granting of loans to citizens and small entrepreneurs in dinars and the US dollar. In the past year, the bank has also extended loans and advances to employees, hoteliers and health professionals in amounts ranging between KD 10 million and JD 50 million.

 

I dunno, folks. Were these loans in KD (Kuwaiti Dinar) over the past year???!!! This announcement is 3 months old (10 June 2017)!!! If in Kuwaiti Dinar, these are some serious loans!!! Maybe a way Kuwait is being reimbursed (paid) for the 1990 invasion with the interest on these loans???!!!

 

I would think nominally 33 to 165 million USD would be a range needed to build quality world class hotels for tourism and other business purposes.

 

Maybe just a typo but the last two articles noted KD.

 

Go Moola Nova!

 

www.xe.com

 

XE Currency Converter: KWD to USD

 

 

 

1 KWD =3.31969USD

Kuwaiti Dinar1 KWD = 3.31969 USD

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US Dollar1 USD = 0.301233 KWD

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[yota691]

Invitations to the opening of the branch of the Rasheed Bank in the district of Hit

September 13, 2017 | 6:40 PM   - The   number of readings: 84 views

 

Iraqi Position Network

 

The head of the district council of the province of Anbar, "Mohammed Mohammadi," on Wednesday, the central bank to reopen the Rashid Bank branch of the judiciary.

 

"Most of the districts in the district of Hit (70 km west of Ramadi) are disabled due to the failure of the Rashid Bank to open the Hit branch," he said in a press statement.

 

He appealed to "Mohammedi," the Governor of the Central Bank to "reopen the Rashid Bank branch of Hit and provide liquidity in it to support the return of stability in the judiciary."

 

The city of Hit was liberated more than a year and a half from the control of Dahesh, and the city is experiencing security stability after the return of the majority of the displaced to their areas in the judiciary, according to local officials.

[yota691]

Last Activity: 19-09-2017 02:02 PM

Rafidain clarifies on the granting of advances to employees of ministries and state departments

 

 

 

Al-Rafidain Bank denied on Tuesday the news of the suspension of advances to employees of the state departments, calling on the media to be accurate in the dissemination of information. A statement to the Information Office of the bank, 'the bank continues to grant advances to employees of ministries and state departments according to the controls announced in advance', denying 'the news that talked about the suspension'. The bank called on the media to 'accurately disseminate the correct information and its official adoption by the media exclusively bank'.

 

[yota691]

Rafidain decides to grant five million dinars to students, professors and researchers from postgraduate studies

 

 Since 2017-09-23 at 08:39 (Baghdad time)

Baghdad Mawazine News

Rafidain Bank decided on Saturday to grant a loan of five million dinars to students, professors and researchers in postgraduate studies.

"The bank has decided to grant a loan of up to five million dinars for students, professors and researchers in postgraduate studies in Iraqi government universities and civil universities affiliated to the Ministry of Higher Education and Scientific Research," the bank's information office said in a statement received by Mawazine News.

The office added that "the five million loan facilitator comes to cover the cost of scientific research provided by this important segment of society, which is a cornerstone of the foundations of scientific construction."

[yota691]

of Rafidain Bank brings good news to students, professors and researchers

 

 

Twilight News    

 

 6 hours ago

 

 

Al-Rafidain Bank on Saturday decided to grant a loan of five million dinars to students, professors and researchers in postgraduate studies.

The bank's press office said in a statement that the bank had decided to grant a loan of up to five million dinars for students, professors and researchers in postgraduate studies in Iraqi government universities and civil universities affiliated to the Ministry of Higher Education and Scientific Research.

The statement pointed out that the loan (5) million facilitator comes in order to cover the cost of scientific research provided by this important segment in society, which form the basis of the foundations of scientific construction.

 

Keywords: 

[Synopsis]

I think this student loan news is really Good News from a couple different stand points.

 

Iraq has nominally 38 million people with nominally 50% of the population 19 years old or less.

 

For illustration purposes only, say college enrolled Iraqis for Bachelors to Doctorate degrees are 18 - 24 years old. As an estimate, 24 - 18 is 6 years so 6/24 x 50% x 38 million is nominally 4.75 million potential Iraqi secondary education enrollees. Say 20% of this segment go to college and get student loans totaling 5 million Iraqi Dinars. The sum of the loans is then 20% x 4.75 million Iraqis x 5 million Iraqi Dinars = 4.75 Trillion Iraqi Dinars. Quite a chuck of Iraqi Dinars for loan purposes although at 1,184 IQD = 1 USD, this is nominally 4 billion USD. This, although nominal, is a good move from a higher education of Iraqis standpoint and the benefit is will likely have on their country not to mention the potential added liquidity these loans will bring to the banks.

 

Just Food For Thought.

 

Go Moola Nova!

[yota691]

Al-Rafidain intends to take measures against borrowers to pay installments of loans and advances

 

 Since 2017-09-26 at 10:05 (Baghdad time)

Baghdad Mawazine News

Rafidain Bank on Tuesday threatened to take action against the borrowers to pay installments of loans and advances.

"The general management of the bank urges customers, borrowers, small business owners, borrowers to purchase cars and others to pay their installments in order to ensure the continuity of interest expansion among as many citizens as possible," the bank's media office said in a statement received by Mawazine News. Exposing them to legal consequences ".

The office added that "the bank will be forced to take legal action against the complainants to pay their debts and will put in coordination with the General Directorate of Traffic signals on the vehicles of the deceased owners of the payment of their installments."

[yota691]

Include 37 thousand people with full-time salary

05/10/2017 12:00 am  BAGHDAD / BATUL AL-   HASSANI The Disabled Persons and Special Needs Authority has included more than 37,000 full-time salaries since the beginning of last year and until the middle of this year, while seeking to include the disabled and those with special needs with soft loans.  The head of the body of the Ministry of Labor and Social Affairs, a smaller Moussawi, a special statement to the "morning": The Commission since the start of its work earlier last year, including more than 37 thousand full-time employee receive a salary of 170 thousand dinars, equivalent to the minimum wage of government employees, The Commission has completed more than three thousand and 400 leave for the full-time employee, as well as activating the provisions of Law 38 on the welfare of the disabled. He pointed out that the Authority has granted more than 1250 in support of the granting of car numbers with the exemption of customs, and get 90 seats allocated for postgraduate studies, and apply the proportion of five percent of appointments in the State departments and this paragraph did not abide by all parties, pointing out that the Commission seeks to activate Article 17 of the law No. 38 of 2013 because of the privileges and exemptions to serve the disabled through the formation of a special committee to follow up under the supervision of the Minister of Labor, Mohammed Shi'a Sudanese. Al-Moussawi said that the Authority seeks to grant easy loans to people with disabilities and special needs in accordance with the above mentioned law, as well as cash benefits commensurate with the percentage of disability estimated by a specialized medical committee in accordance with instructions issued by the Ministry of Health on the assessment of the degree of disability and the right of full-time appointment, And privileges, such as the right of the designated employee to take a vacation in full salary with the privileges and fixed allocations as his peers in the job on the renewal of the full-time each year. The Disabled Persons Authority and the special needs explained that the law aims to provide the requirements of caring for people with disabilities and special needs and qualify them to integrate them into society and to spread awareness about disabilities and prevent them from contributing to provide the reasons for living decent persons covered by the provisions of this law, pointing out to include several privileges in coordination with the relevant official bodies and civil society organizations Local and international organizations concerned with human rights and people with disabilities to enable the disabled to exercise their role in   society.

[yota691]

Rafidain sets a condition to grant a five million loan to students

 

Economy News _ Baghdad   Al-Rafidain Bank announced on Saturday a condition for the granting of a five-million-dollar loan to students, professors and researchers in postgraduate studies.   "The granting of a loan of five million dinars to facilitate the students, professors and researchers in postgraduate studies will be through the provision of a civil servant civil servants or a pensioner with a smart card," the bank's information office said in a statement, "The need to" do not exceed Deduction rate of his total salary 50%. "The pensioner, who will ensure that the borrower does not have any guarantees," the office said.   The Rafidain Bank, on 23 September last, the granting of soft loans for students and professors and researchers of graduate studies, indicating that this comes to cover the cost of scientific research provided by this important segment of society.   Number of views 14   Date added 07/10/2017

[yota691]

Bank lending policies fail in Iraq

 

Ihab Ali MPs 581  2017-10-02

 

 

 

 

The development of economic development is based on several main elements, including the existence of a sophisticated banking sector capable of recycling money between those who offer money and demand from savers and investors. The banking system is financed for various economic projects of all types, small, medium and large, depending on the importance of each type.

On the other hand, the presence of a solid and strong banking sector will maintain the monetary mass and thus through this sector can maintain exchange rates and control of inflation in coordination with the central bank of the country, and was able to many countries to make huge jumps by the enormous funding of banking activities and economic programs, And to undertake many internal and external investments that contributed to the development of the level of growth and economic development. Indeed, the development of the banking sector is necessary, especially since current capitalism is the stage of financial capitalism, which means that the monetary policy of the banking sector is dominant in economic activity.

In a country such as Iraq, especially after the transformation of a totalitarian system in the management of state resources and a clear backwardness of the banking system, it was hoped that this important sector would be especially important in order to take its real role in building the country's economy in the correct way. The Iraqi banking sector is the most banking system Backwardness and less developed in the Middle East and North Africa. According to statistics, more than 80% of the population has no bank account (Sansar Capital 2013).

State-owned banks dominate the Iraqi banking system, accounting for 75% of the financial system in terms of assets and 77% of GDP (IMF, 2013). The main issues in this sector relate to the low value of capitalization, especially in the case of Rafidain Bank and Rasheed Bank. Banking reform, which began in 2006, has provided solutions, in terms of new capital, but the implementation has been very slow. Private banks (50) are small and their short-term activities are directed to retail and wholesale. The level of professionalism in the work of private banks has been questioned by officials of the Central Bank of Iraq regarding their real potentials and aspirations in supporting economic growth.

The regulation on capital requirements, which must be fulfilled by private banks, falls into the category of public banks to monopolize the banking sector. The decision has a role in protecting the funds of private banks but at the same time will slow the activity. Also, forcing large banks to make more loans and small banks have been forced to merge with other financial institutions to try to implement central planning, in addition, the effectiveness of banking supervision has been questioned, audit standards are lax. The lack of public confidence in the banking system is driven by the lack of deposit insurance, the Warka Bank bankruptcy case and the losses recorded by two major banks in the banking system. There is a real need for transparency and reliable financial media.

The other internal issues experienced by Iraqi banking systems can be summed up as follows:

• Gaps in data collection on banking transactions in the Northern Region (Iraqi Kurdistan)

• Role of parties in transactions and procedures - Contributing households Bank funds are used for their own projects

• Financial infrastructure is low and associated with a lack of skills and technology (World Bank, 2012).

This is in general terms or the general framework of the form and mechanism of work of the banking sector in Iraq, and like the banking policies adopted in the development of the reality of economic activity in the country, despite the huge volume of loans granted to the public, but that the owners of these banks did not achieve their real goals drawn Despite the loans of the Real Estate Bank, loans and other advances such as loans of 100 nominal salary, which reached a maximum of 75 million dinars and a minimum of 40 million dollars, as well as loans Almis Of other small granted by some private banks, but they all did not reach the level of ambition or originally did not achieve even a simple solution to the housing crisis in Iraq.

The reason for this is that the housing crisis can not be addressed only through the policies of lending to citizens, and through the following:

1 - The absence of housing complexes or projects or units ready for housing by the public sector or the private sector, make the solution of this problem lies on the citizen himself, and through the mechanism of buying and building the land.

2 - This led to the difference and the difference in the prices of plots of land and much from one province to another and even vary within the province itself.

3 - Because of the housing crisis with the launch of this loan campaign to high land prices, which led to a process of multiple speculation in the sale and purchase of land because it is known that the land is a resource is not flexible, as the size of specific and can not be increased.

4 - Due to the previous problem and because of the high prices of land plots and increased demand for housing, these citizens have led to the fragmentation of agricultural land and convert them to residential plots and selling, and here emerged another problem is the impossibility of obtaining loans for construction in these lands,

5 - The continued increase in demand for housing, with the deterioration of oil prices globally, the size of the ability of government and private banks to expand lending to citizens, and even stopped many of the loans by banks because of poor liquidity of the banking.

On the other hand, even the rest of the other loans, such as agricultural and industrial loans, the corruption in them was the reason for failure to achieve its objectives, as it did not achieve good results because of corruption in banks in terms of granting loans to those who deserve it, They are directed towards the productive channels that these loans are supposed to be earmarked for. On the contrary, these loans have turned to satisfy consumer needs and others to solve the problem of housing as well, which means that the housing crisis dominates all aspects of life.

In addition, the absence of supervision and transparency in the follow-up of the channels of disbursement of these loans, which should end in the form of productive projects of economic benefit to the country, and on the other hand and even with limited success of some projects resulting from these loans, the government did not undertake to intensify efforts In order to market and ensure the success of these projects by providing the necessary advice and expertise for the sustainability of the success and activity of these projects, which turned these successes into a failure in the end because of the interruption of moral and material support.

Even the subsequent lending policies have contributed to making matters worse. What does it mean to launch a loan campaign for doctors and pharmacists only, car loans or loans and advances of 10 million dinars to employees, all of which are consumer and non-productive loans at all. This means that the government has failed to find a successful banking credit policy that takes upon itself the achievement or construction of a sound economic development base, which has contributed to the loss of development opportunities and public money. This is an economic disaster, as these losses can not be compensated again, It is therefore necessary to form a management of lending policies in Iraq, taking over the management of public loans in the country in order to ensure the achievement of the objectives assigned to it correctly.

[yota691]

2017/10/08 (00:01 PM)   -   Number of readings: 197   -   Issue (4035)

 

 

Bank loans do not perform the desired purpose

 Baghdad / Range 
 

Between time and time, the Rafidain Bank sets conditions for the granting of loans, whether they are allocated to small and medium enterprises or housing citizens or students, professors and researchers, while an expert believes that the development of these conditions undermines the process of taking advantage of these loans, and stresses that among the most important reasons not to benefit is corruption And the extortion that accompanied the grant, and stresses the importance of intervention by the financial authority to reduce interest rates and reduce the conditions for granting loans, and the participation of investment banks and private banks in this process.
The Rafidain Bank has announced on Saturday, the establishment of a condition to grant the five million loan to students and professors and researchers in graduate studies, that is through the provision of a civil servant civil servants or a pensioner with a smart card. He also set conditions for obtaining a micro-enterprise loan for the unemployed, including a lease contract for the Baghdad Chamber of Commerce and identity, as well as an electricity card and guarantor of permanent staff, and other conditions for the operational loan for hotel owners for restoration and hotel rehabilitation, loans for doctors and car loans Of citizens. Economist Bassem Antoine says in an interview with "(to the extent): These loans could create many and many jobs at the present time, but the owner needs to provide guarantees such as housing allowance or salary or employee sponsorship, and other things for multiple loans, and this is not easy for citizens, especially as the question of the sponsor became a way of saving, There are people who can not take care of the loan issue if they do not get a percentage of the loan, and that part of the issue of loans was dominated by corruption, so there should be soft loans at a low interest rate, so that we see a reflection on the economic reality of the country, Because there is generally a contraction in the market and this needs to be borrowed Even create soft especially in the area of private sector employment, because this sector suffers from a major problem which has stopped working and the increase in the unemployment rate, and must find a way out of this problem. Antoine continued: All of the above we see now that these loans granted by the Rafidain Bank with many but the results were not the required level, and there are still unemployment and proportions of poverty because the conditions are not easy enough. He added: Perhaps the bank has the right to set these conditions, but it should have been studied carefully and away from corruption and exploitation and away from the misconduct pursued by some branches of banks. The complexities of conditions and guarantees prevent most citizens from obtaining these loans. This is a problem that must be put to rest. On the other hand, Rafidain Bank is a financial institution of state institutions, and it alone can not create jobs as required.
Antoine Antoine: So should contribute to other investment banks and private banks also in the process of loans are not financial coffers and ownership of the owners of these banks, but are authorized to create jobs and investment to create a dynamic movement in the Iraqi street, and not be exploited and greed as it is today, The financial authority to intervene to reduce the interest rate and reduce the conditions on the citizen so that these loans contribute to the creation of jobs because the Iraqi state curriculum emphasizes the activation of the role of the private sector in the economic life of the country, but we do not find it now. Antoine wondered at the end of his words: If the interest on the loan is 16 or 17% how can the citizen continue or succeed under these benefits? Since 2006, Rafidain Bank has extended loans and advances to employees and citizens within specific mechanisms and controls. It has granted loans amounting to 50 million dinars for construction purposes with a repayment period of 10 years and a grace period of 3 months and a loan of 15 million for small projects. While the follower did not see any positive reflection on the reality of the Iraqi economy so far, according to specialists.

[yota691]

09-10-2017 02:38 PM

Rafidain launches a predecessor to retirees three million and interest 7%

 

 

 

Rafidain Bank announced on Monday the imminent launch of advances to retirees, indicating that the amount of the advance of three million and interest 7%. 

The bank's director Khawla Talib Jabbar said that "will soon be the launch of a predecessor to retirees of three million dinars for three years and a 7% interest." 

She added that 'this came after obtaining the approval of the concerned authorities', noting that 'this interest rate is the lowest cost possible to be taken by the bank, and possible decline in the future'. 

The Rafidain Bank began last year to grant loans and advances to employees and owners of hotels and health professionals and amounts ranging from 10 to 50 million dinars.

[Big_J]

2 hours ago, yota691 said:

soon

Don't know how much drool we have left!