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The launching of supplementary advances to employees of state departments


yota691
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Medium enterprises embrace the national economy

 
Baghdad / Emad Al-Amara
 
 
Economic analyst Abdul Sattar Abdul-Jabbar Moussa said that the practical applications of small and medium enterprises in many countries stressed the need for such institutions, regardless of the rate of progress and economic and social development, as the adoption of the national economy, but they need funding.
 
Small and medium enterprises
Between Moses and "morning" that "the importance of small and medium enterprises appear through the exploitation of energies and possibilities and the development of expertise and skills being 
"It is important to diversify the national economy in many aspects as it is one of the fertile areas for the development of new creations and ideas, as well as they are the seeds of the core of large institutions."
"These projects are characterized by competitive nature, which is reflected in a large extent on the volume of sales and rates of return of activity," pointing out that "these institutions support the industrial strategy based on national development plans, and is a means to support agricultural production and contribute to the mobilization of capital, Their contribution to increasing savings, which will lead to increased investments. "
 
Local resources
"These institutions are often dependent on local resources and spin-offs of large enterprises, thus contributing to reducing the waste of these resources and reducing reliance on imports of raw materials," Moussa said. "These institutions contribute to strengthening the national economy through large institutions through Distribution of their products or supply them with production inputs or through subcontracting with large enterprises manufacturing 
Some components or some of the production process necessary for the final product, which is not economically feasible to implement by the large enterprise, so it has a significant role in expanding the base of domestic production.
 
The role of finance
In a related context, a member of the Center for Arab and International Studies, Dr. Amr Hisham that the issue of funding comes at the forefront of the problems faced by small and medium enterprises.
He stressed the existence of a wide variety of sources of institutional finance that respond to different levels of growth of institutions, whether small loans or government support and advanced modes of financing, including entry into the stock exchange.
"Banks and specialized financial institutions play an important role in overcoming the obstacles imposed by the conventional loan," he said. 
Stressing "one of the most convenient alternatives that 
Found for medium and small enterprises' investments is the rental loan, a pattern of newly created financing in which a property or equipment is delivered for a specified period of time against agreed installments.
"This type of financing is flexible and easy to compare with conventional investment financing," he said.
 
Venture capital
"Risk capital as an economic tool can provide the project with flexible and long-term capital through its extensive ownership of the enterprise, as well as emerging and developing management assistance, especially for institutions with new ideas," Dr. Amr said.
Risk capital means the provision of equity capital to establish or develop institutions. Risk capital is normally pooled by investors in the form of a fund used to fund investments in private businesses through equity participation and 20% to 40% ownership of capital. This service is usually through venture capital companies or banks and individual financiers.
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  • yota691 changed the title to In the document .. Two recommendations of the Central Bank relating to the benefits of loans and deposits

In the document .. Two recommendations of the Central Bank relating to the benefits of loans and deposits

Economy | 10:16 - 04/08/2019

 
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BAGHDAD - 
The Central Bank of Iraq issued on Sunday, two recommendations on the benefits related to loans granted over the past years to the private sector by the Iraqi Trade Bank, and deposits paid by banks up to 5% in addition to the operating banks incurred.


7482019164a0cc7-617d-4ce2-95ef-a350e205a

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Al-Asadi calls for re-examination of the proposal of the Central Bank from competent bodies and extended committees that take into account the public interest and support serious investors

32557.jpg?watermark=4
 
 

BAGHDAD, Iraq -

Said the leader of the coalition of state law, Adnan al-Asadi that the proposal made by the Central Bank of Iraq to reduce interest on loans granted to investment projects in the past years by 50% and the government to pay this difference, which could reach millions of dollars. Al-Asadi said that the above mentioned represents a dangerous precedent, which entails carrying large sums of money that are not specified and at the same time a clear violation of public money and even reward for some of the defaulters. Al-Asadi pointed out that "the basic condition in granting the loan for the investment or development project is the commitment of the borrower to implement the project and its operation and the repayment of the loan with the benefits of it because the donor banks are committed to laws and regulations aimed at developing their sources is an important part and an engine for the economic situation of the country. These preliminary principles and facts recognized after years of the work of these projects and investment (where some of the profits of a huge profit to the owner) is only a serious work must stand up and repel. And between Asadi "there is fog and lack of transparency, we do not know the specific duration of time; from the contractors investors ?? and the extent of the benefits of them ?? and the quality of the projects implemented so we keep a total on this record and warn of any step towards adoption or included in the law of the general budget as it is A plan is a threat to the interests of the people and the waste of public money and we will take all legal procedures from within the parliament to stand against these recommendations He asked al-Asadi "Council of Ministers and the Committee on Economic Affairs in the Council of Ministers to reject this proposal and re-examination from the competent bodies of the extended committees take into consideration Bar public interest and support serious investors who have carried out development projects and suffered damage to clear and fixed numbers and a supporter of the concerned authorities to take a solemn government position before taking a position within the House of Representatives.

information Office

Dr. Adnan Hadi Asadi

Member of the Iraqi Council of Representatives

4 / AP / 2019

https://www.adnan-alasadi.com/2019/08/blog-post.html?m=1

156493636454.jpeg?watermark=4

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Central Bank proposes to reduce interest rates on investors' loans by 50% and deputy confirms: a dangerous precedent

Economy | 07:39 - 04/08/2019

 
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BAGHDAD - Mawazine News 
Member of the coalition of law, Adnan al-Asadi, on Sunday, the Council of Ministers to re-examine the proposal of the Central Bank on reducing interest on loans granted to investors, indicating that the proposal represents a dangerous precedent. 
Asadi said in a statement received / Mawazine News / copy of it, "The proposal made by the Central Bank of Iraq to reduce the interest on loans granted to investment projects in the past years by 50% and the government bears to pay this difference, which could reach millions of dollars." 
He added, "The above is a dangerous precedent for the public treasury to bear large amounts of unspecified and at the same time a clear injustice of public money and even reward for some negligent."
Al-Asadi pointed out that "the prerequisite in granting the loan to the investment or development project is the commitment of the borrower to implement the project and its operation and repay the loan with the benefits that the donor banks adhere to laws and regulations aimed at the development of sources, which is an important part and engine of the economic situation of the country." 
Al-Asadi stressed that "exceeding these initial principles and the recognized facts after years of work of these projects and invested (where some of them generated huge profits on the owner) is nothing but serious work must stand and repel."
Asadi, that "there is uncertainty and lack of transparency do not know the specific period of time; and from the investors investors ?? and the amount of benefits arising from them ?? and the quality of projects implemented so we reserve a total and detailed on this record and warn of any step towards its adoption or included in the General Budget Law It is a blueprint that is a threat to the interest of the people and a waste of public money. 
Al-Asadi called on the Council of Ministers and the Economic Affairs Committee of the Council of Ministers to "reject this proposal and re-examine it from the competent authorities with extensive committees that take into consideration the public interest and support serious investors who carried out development projects and were exposed to clear and proven damage in numbers and supported by the concerned authorities."

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  • yota691 changed the title to The Central Bank clarifies the proposal to reduce interest on some loans of the Iraqi Trade Bank
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The Central Bank of Iraq issued on Monday a clarification on the proposal to reduce interest on some loans of the Iraqi Trade Bank.

In a statement received by Alsumaria News, the bank said in a statement that "within the framework of the government's understanding of the challenges and losses of the private sector during the past years and the delay of payment of their dues for several years, several decisions were issued by the Council of Ministers on directing government banks not to meet interest to those with outstanding debts On the government. "
 

The bank added that "these decisions were not implemented because the banks are operating on a commercial basis and in accordance with the requirements and standards to ensure the maintenance of its financial position and the results of its activity in accordance with international practices and standards and controls of the Central Bank of Iraq as subject to supervision and control in achieving financial stability," noting that " Remain identical to the position of the Bank of Iraq in not being able to reduce the benefits and look for a possible mechanism to implement that support. "
 

He continued that "the continued demand of those involved in the decisions to reconsider the benefits of their loans to implement those decisions, the meeting held with the Iraqi Trade Bank made recommendations is that if the government wishes to implement those decisions, the bank does not bear the financial consequences, but the Treasury, which is a proposal based on considerations Which are consistent with the nature of the work of banks, which are non-binding proposals and if the government wants to take them or count them. " 

The bank pointed out that "the subject involves details that have been discussed during the past years and in the case of the introduction of the conditions and limits set by the Iraqi Trade Bank, so that the guidance of support for those affected and within the criteria set by the bank for this purpose," pointing out that "the issue is not open to all loans They also relate to limited years. "

The bank confirmed that it and the Iraqi Bank for Trade "showed their responsibility was proposed to the banking sector and not subject to bear the consequences of the circumstances that have passed and that any consideration of those circumstances and the half affected should be done in a manner not detrimental to the interests of banks."
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Interview with Dr. Khawla Taleb Jabbar, Director General of Rafidain Bank with one of the media

 

 

Watch this video to learn how the Rafidain Bank is developing a range of financial products which support young people, boost jobs creation and help families to become homeowners.Building an economy that delivers for all Iraqis is one of ’s priorities. #InvestIraq
 
 
Watch again
2:04
1.1K views
 
 
9:01 AM · Aug 2, 2019·Twitter Media Studio
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2019/08/05 15:10
  • Number of readings 42
  • Section: Iraq
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CBI issues justifications on the proposed reduction of interest on the loans of the Trade Bank of Iraq

BAGHDAD / Obelisk: The Central Bank of Iraq, on Monday, clarification on the proposal to reduce interest rates on some loans of the Iraqi Trade Bank.

The Bank said in a statement received to the obelisk, that "in the context of the government's understanding of the private sector during the past years of the challenges and losses and delayed payment of their dues for several years, several decisions were issued by the Council of Ministers on directing government banks not to meet the interest of those who owe debts to the government. ". 

The bank added, "These decisions have not been implemented because banks operate on a commercial basis and in accordance with the requirements and standards to ensure the maintenance of its financial position and the results of its activity in accordance with international practices and standards and controls of the Central Bank of Iraq as being subject to his supervision and control in achieving financial stability," noting that "our view what Still identical with the position of the Iraqi Trade Bank in the intolerance of reducing interest rates and the search for a possible mechanism to implement that support. "

He continued, "The continued demand of those covered by the decisions to reconsider the benefits of their loans to implement those decisions, the meeting held with the Trade Bank of Iraq came with recommendations is that if the government wishes to implement those decisions, the bank does not bear the financial consequences, but borne by the Treasury, a proposal based on considerations Which are consistent with the nature of the work of banks and are non-binding proposals and if the government wants to take them or not to take them. " 

The bank pointed out that "the subject includes details discussed during the past years and in the event of introduction, there are conditions and limits set by the Trade Bank of Iraq so that the direct support to the affected and within the criteria set by the bank for this purpose," pointing out that "the issue is not open to all loans It also concerns limited years. "

The bank stressed that it and the Trade Bank of Iraq "showed what was proposed their responsibility towards the banking sector and not subject it to bear the consequences of the circumstances that have passed and that any consideration of those conditions and equity of the affected should be done in a way that does not harm the interests of banks."

Follow the obelisk

 

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Release Date:: 8/8/2019 19:01  30 times read
Explanation of the proposed reduction of the interest rate loans of the Trade Bank of Iraq
BAGHDAD: The Central Bank of Iraq, on Monday, clarification on the proposal to reduce interest rates on some loans of the Trade Bank of Iraq.
"As part of the government's understanding of the challenges faced by the private sector over the past years and the delays in paying their dues for several years, several decisions have been issued by the Council of Ministers on directing government banks not to pay interest to those who have debts owed by the government," the bank said in a statement. 
The bank added, "These decisions have not been implemented because banks operate on a commercial basis and in accordance with the requirements and standards to ensure the maintenance of its financial position and the results of its activity in accordance with international practices and standards and controls of the Central Bank of Iraq as being subject to his supervision and control in achieving financial stability," noting that "our view what Still identical with the position of the Iraqi Trade Bank in the intolerance of reducing interest rates and the search for a possible mechanism to implement that support. "
He continued, "The continued demand of those covered by the decisions to reconsider the benefits of their loans to implement those decisions, the meeting held with the Trade Bank of Iraq came with recommendations is that if the government wishes to implement those decisions, the bank does not bear the financial consequences, but borne by the Treasury, a proposal based on considerations Which are consistent with the nature of the work of banks and are non-binding proposals and if the government wants to take them or not to take them. " 
The bank pointed out that "the subject includes details discussed during the past years and in the event of introduction, there are conditions and limits set by the Trade Bank of Iraq so that the direct support to the affected and within the criteria set by the bank for this purpose," pointing out that "the issue is not open to all loans It also concerns limited years. "
The bank stressed that it and the Trade Bank of Iraq "showed what was proposed their responsibility towards the banking sector and not subject it to bear the consequences of the circumstances that have passed and that any consideration of those conditions and equity of the affected should be done in a way that does not harm the interests of banks."
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IOM Partners with Asiacell to support Economic Recovery in Iraq

 
08/06/19
 

 

Erbil — The ISIL conflict displaced 6 million people in Iraq, disrupted the national economy and limited employment opportunities for citizens. Sixty per cent of jobs in Iraq are in the private sector, within Small and Medium Enterprises (SMEs); very large numbers of those businesses experienced loss as a result of the conflict and need support to rebuild.

In Fallujah, for example, an International Organization for Migration (IOM) market assessment found that 69 per cent of construction businesses and 66 per cent of food-related businesses saw their workshops looted or burned between 2014 and 2017. Mosul and numerous other areas also showed high levels of damage and limited access to finance – challenges that the Enterprise Development Fund (EDF) is designed to help businesses overcome.

On Monday (05/08), IOM Iraq signed a memorandum of understanding with telecommunications company Asiacell to support innovation under the EDF – a livelihoods programme that contributes to economic recovery and private sector revitalization through tailored support to Small and Medium Enterprises.

The innovation component (EDFi) supports early-stage tech businesses and tech start-ups in Iraq that can contribute to the local economy and create jobs for young people in the tech sector.

“We strongly believe that the engagement of the private sector is a necessary condition for successful and sustainable economic recovery and job creation,” said IOM Chief of Mission Gerard Waite. “IOM Iraq looks forward to a long, productive collaboration with Asiacell, as we work to expand job creation and improve economic opportunities across Iraq.”

“Today marks the start of a strategic partnership between Asiacell and IOM that will bring the EDFi into effect in Iraq,” added Asiacell CEO Amer Sunna. “Asiacell looks forward to contributing to the development of youth skills and capabilities and setting the foundation for a powerful and sustainable economy.”

EDF aims to restore essential economic infrastructure by providing financial capital to SMEs in economic sectors that were successful prior to the conflict but suffered loss and damage and have a high demand for labour. By targeting key sectors and providing necessary funding, the EDF encourages rapid but also large-scale job creation. The fund has received hundreds of applications since the pilot phase was launched in September 2018, and 142 business grants have been approved to date.

“After the liberation of Mosul, I sold a small plot of land that I owned and tried my best to reopen my factory,” explained Moufaq Ahmed Mohamed, an EDF beneficiary and owner of an oxygen plant. “I started with only two workers. Later, I received a grant from IOM which enabled me to buy a generator which is crucial to my work.”

“[Before that] I frequently lost hours of work due to sudden power outages,” he continued. “This generator was a boon to my factory; I have been able to produce more, enabling me to hire more people and expand to 11 workers — which means feeding 11 families. This makes me very happy; this kind of support for the private sector contributes to the revival and rebuilding of Mosul.”

EDF forms part of IOM’s work in support of the people and Government of Iraq to promote sustainable recovery across the country.

IOM Iraq’s EDF is supported by the US Department of State’s Bureau of Population, Refugees, and Migration (PRM); the European Commission’s Directorate-General for International Cooperation and Development (DG DEVCO); KfW, the German Development Bank; the Government of the Netherlands; and the United States Agency for International Development (USAID).

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  • yota691 changed the title to Rafidain announces the outcome of the completion and granting loans of various kinds to citizens
Date of edit:: 2019/8/7 9:16 • 195 times read
Rafidain announces the outcome of the completion and granting loans of various kinds to citizens
Al-Rafidain Bank announced the completion and granting of loans of all kinds to citizens during the month of June.
The bank's media office said in a statement received by the Euphrates News agency that "the proceeds of loans granted to citizens in June was to grant construction loans in a piece of land has reached 91 transactions and grants of small projects amounting to 15 million dinars, where Granted 242 loans. " 
The statement pointed out that "citizens wishing to purchase apartments Bsmaih residential loans were granted as 237 transactions were granted to citizens and car loans were granted to 153 transactions and lending transactions for financial facilities in addition to the loans of doctors of various specialties to 22, and loans to finance scientific research to 11 borrowers ". is over
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Rafidain: advance of 25 million exclusively for employees of the endemic state salaries with the bank

Economy | 08:44 - 08/08/2019

 
image
 
 

BAGHDAD - Mawazine News 
Rafidain Bank said on Thursday that the advance of 25 million dinars for employees of the endemic state salaries is through a Master Card and without a sponsor. 
The bank's media office said in a statement, Mawazine News received a copy of it. 
The statement added that "the advance is based on the salary of the employee to cover 50 percent of his monthly salary monthly installment of the advance," calling on state employees to "visit the bank branches exclusively and apply on the advance."

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Rafidain Bank confirmed on Thursday that the advance of 25 million dinars for employees of the endemic state salaries is through a MasterCard and without a sponsor.

The bank's media office said in a statement received by Alsumaria News, a copy of it, that the advance of 25 million dinars to employees of the endemic state salaries exclusively with the bank to be submitted by the MasterCard

The statement added that the advance is based on the salary of the employee to cover 50 percent of his monthly salary monthly installment of the advance, calling on state employees to visit the bank branches exclusively and apply for the advance
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  • yota691 changed the title to Mesopotamia launches new meal of 25 million advances to employees
 
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Rafidain Bank launched a new meal from the advance of the employees of the government departments, which ranges between (5, 10, 15, 20, 25) million dinars through the international card MasterCard.

The bank's media office said in a statement issued on Friday that a new batch was paid from the predecessors of the employees of the state departments to more than 9,000 employees who have been resettled with the bank and received an electronic card.
 
 
The statement pointed out that the payment was made through the customer's fingerprint and then informed the employee by sending him a text message notifying him of the advance payment after he completed all legal procedures to grant it and disbursed it through electronic payment tools to which the financial balance has been filled.
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4 minutes ago, yota691 said:
 
7,920 views
 

Rafidain Bank launched a new meal from the advance of the employees of the government departments, which ranges between (5, 10, 15, 20, 25) million dinars through the international card MasterCard.

The bank's media office said in a statement issued on Friday that a new batch was paid from the predecessors of the employees of the state departments to more than 9,000 employees who have been resettled with the bank and received an electronic card.
 
 
The statement pointed out that the payment was made through the customer's fingerprint and then informed the employee by sending him a text message notifying him of the advance payment after he completed all legal procedures to grant it and disbursed it through electronic payment tools to which the financial balance has been filled.

Wow! I’ll take that kind of meal!! Lol 25 Million Dinars?? Wow!

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3 hours ago, yota691 said:

 

Giving all government employees 5,000,000 to 25,000,000 dinars does not make sense if they are planning to revalue the currency.

 

Even if they revalue at 1 penny, they will be giving the smallest payee, dinar that is equal to $50,000.   The people could convert to Dollars, Euros, GBP etc., and get-outa-town.

 

Please correct me if I'm wrong.

 

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Wait a minute!  

 

The above brought to mind yesterday's news:

 

2019/08/08 08:24:19

A- A A +

Shafq News / Minister of Labor and head of the Social Protection Authority Basem Abdul Zaman announced the launch of the Eid al-Adha, amounting to 100,000 dinars for more than one million and 200 thousand families benefiting from the welfare salary in Baghdad and the provinces.

 

Why are they giving away money, all-of-a-sudden, to the Iraqi poor and also government workers?  

 

Edited by Floridian
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1 hour ago, Floridian said:

 

Giving all government employees 5,000,000 to 25,000,000 dinars does not make sense if they are planning to revalue the currency.

 

Even if they revalue at 1 penny, they will be giving the smallest payee, dinar that is equal to $50,000.   The people could convert to Dollars, Euros, GBP etc., and get-outa-town.

 

Please correct me if I'm wrong.

 

They are not giving them physical currency it’s put on a card.

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1 hour ago, Dinarrock said:

They are not giving them physical currency it’s put on a card.

 

33 minutes ago, DoD said:

Floridian, MasterCard....

 

Yes, I understand that, but they are still giving them 5,000,000 to 25,000,000 WORTH OF dinar.

So when/if they revalue, what will the WORTH of THE MONEY on their Mastercards be?

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Floridian you really should know the answer to this by now! Iraqi’s earn money every single day and spend their money every single day. A dinar is only a dinar in Iraq, just like a dollar is a dollar here in America when the value changes only their purchasing power will change period. Digital money will not be effected only people who actually hold the dinar in their hand will be able to exchange and see an increase in actually value. An Iraqi will not be able to do that unless they illegally take it out of the country somewhere else to exchange for dollars or Euro. 

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46 minutes ago, Floridian said:

 

 

Yes, I understand that, but they are still giving them 5,000,000 to 25,000,000 WORTH OF dinar.

So when/if they revalue, what will the WORTH of THE MONEY on their Mastercards be?

 

the same , one dinar is just one dinar to an iraqi inside iraq  just like one dollar is just a dollar to a us citizen the exchange comes into play outside the country weather it be weak or strong if the currency value increases the citizen will gain purchasing power ... i know you know all this just a friendly reminder ... cheers all the best to us all 

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Just now, 3n1 said:

 

the same , one dinar is just one dinar to an iraqi inside iraq  just like one dollar is just a dollar to a us citizen the exchange comes into play outside the country weather it be weak or strong if the currency value increases the citizen will gain purchasing power ... i know you know all this just a friendly reminder ... cheers all the best to us all 

 

Idk how that works but I'm hoping it does lmao

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26 minutes ago, Dinarrock said:

Floridian you really should know the answer to this by now! Iraqi’s earn money every single day and spend their money every single day. A dinar is only a dinar in Iraq, just like a dollar is a dollar here in America when the value changes only their purchasing power will change period. Digital money will not be effected only people who actually hold the dinar in their hand will be able to exchange and see an increase in actually value. An Iraqi will not be able to do that unless they illegally take it out of the country somewhere else to exchange for dollars or Euro. 

 

6 minutes ago, 3n1 said:

 

the same , one dinar is just one dinar to an iraqi inside iraq  just like one dollar is just a dollar to a us citizen the exchange comes into play outside the country weather it be weak or strong if the currency value increases the citizen will gain purchasing power ... i know you know all this just a friendly reminder ... cheers all the best to us all 

 

Okay, so a little math proves that at today's rates 25,000,000 dinar is worth $20,000 more or less.

Whaddaya say now?

$20,000 is not excessive, being that most people in Iraq work for the government ?????

Edited by Floridian
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4 minutes ago, Floridian said:

 

 

Okay, so a little math proves that at today's rates 25,000,000 dinar is worth $20,000 more or less.

Whaddaya say now?

$20,000 is not excessive, being that most people in Iraq work for the government ?????

 

not sure what ur asking floridian ?

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  • yota691 changed the title to The launching of supplementary advances to employees of state departments

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