hello hall, it protects both the liver and the gallbladder. hello hall, with care and respect for the liver and gallbladder. watch this week in the collaborators program with olena kononenko. who headed the rashist organizations in the occupied territories? under the protection of our friends, russian soldiers. but to whom did united russia entrust the fake mandates? the words of volodymyr volodymyrovych always resonate. watch on tuesday, february 13. at 17:45 the collaborators program with olena kononenko on the espresso tv channel. greetings, this is svoboda live on radio svoboda. we have already approached the serpent himself. the following shots may shock you. news from the scene. live kamikaze drone attacks. political analytics. objectively and meaningfully. there is no political season. exclusive interviews, reports from the hottest points of the front. svoboda live is frank and

unbiased. semi will draw conclusions. the information day of the tv channel continues. while we were talking , polish minister of agriculture and rural development czeslaw shikerskyi apologized to our ukrainian farmers. yes, i am quoting his statement on behalf of polish farmers. i apologize for yes for such an act, i apologize and ask for understanding of their extremely difficult situation, i also realize that trade goes both ways, and we also export to ukraine, according to czeslaw sikerski, the actions of polish farmers are not the right form of protest, but he noted , that such methods are used by farmers in other countries, well, but, but, let's hope that the culprits will be brought to justice.

there are not enough criminal cases initiated by the polish prosecutor's office. well, let's remind you that a protest continues on the polish-ukrainian border. today in korchov and kraków they literally blocked the checkpoint for one hour, it seems like they unblocked this checkpoint, but yes, the rest of the checkpoints continue to be blocked and the situation at the border is really not easy. well, we will involve ruslan osypenko, a diplomat and international expert, in our conversation with them... we will also talk in more detail about our relations with poland, and also about today's decision of the united states senate, which supported a draft law with aid to ukraine in the amount of 60 billion dollars. mr. ruslan, welcome to eter spresso, glory to ukraine. heroyan slava, welcome to the studio. well, president joseph biden, secretary of state antony blinken, and all the american dignitaries down the list broke the political will, so to speak, of the senators in... hyliants, those who did not want

to support this package of macrofinance, but we understand that the story is not finalized, well, but in any case, as the classics said, it smelled like spring in this issue. yes, the trend is positive, because part republicans still understand that what is at stake is, on the one hand, the leadership positions of the united states and the national interests of the united states of america itself, and on the other hand, these interests are small. part of the republicans, the so-called trumpists, and that's why we definitely saw in the voting that a part of the votes were given, given precisely by the republicans, supporting, supporting this bill, but i'm not sure what will happen there in the lower house, the trend is positive, but we'll see what happens will vote whether the speaker will put this one to the vote at all the package is in the lower house, because there they have already connected the mask and everyone is starting there , some republicans are even starting to campaign. for not voting in the lower

house, well, the direct campaign is for not supporting this project, unfortunately, in the house of representatives, but you mentioned musk and musk, here is a fresh throw from elon musk, that is, of course we do not want to quarrel with musk, dude, so to speak, modern, billionaire, owner there, the x network of the former twitter and so on, and so on, but he sometimes makes such unpleasant throws, so for... the united states government states to stop helping ukraine , they say that putin will not lose this war, you see, a rather unpleasant throw from musk, well , how should we deal with it, and you see, it falls precisely on the concept that there is no scenario of russia's victory, the west , why does musk express himself in this, in this plan, he does not see that the elites, political elites have developed a plan for powers of russia, and since there is no

plan for victory, then musk understands that they will negotiate, sooner or later they will negotiate, that is why he so boldly writes that russia will not lose in any case, knowing... that a solution is already being prepared somewhere, and i will tell you, my analysis of open sources, which i am doing, says that the west is already pushing both russia, as far as i am concerned, and ukraine towards agreements, look, our aid is partially delayed, and russia has actively begun to cut off oxygen from profits, since december, biden personally signed several... orders there on strengthening control over trade in oil and the financial sphere, that is, limiting financial transactions with russian companies that are under sanctions, this means that they reduce the potential of both russia and ukraine to continue the war, which means

that they will be pushed to sit down at the negotiating table. well, we understand, at the transition table, if we sit down, putin will demand what he talked about in the interview with tucker carlson, which is to recognize... those territories that they have already occupied, and this is demilitarization , some ephemeral and denazification ephemeral and neutral status, but we understand that negotiations, even if there are, they will be on russia's terms, and this is how it turns out, which means that the west is ready to agree to these terms, if he is already starting to push us to these conditions, because these conditions on the part of russia have not become new in these two years, well, the only thing i would clarify a little bit, maybe part of certain elites, well no... not in the sense of their super, their superlativeness , yes, and representatives of certain business or political circles, they are not key, but, as it turned out, quite influential, and perhaps it is not only about money or the so-called, i don’t know, fsb influence on those or other actors, something

deeper is possible here, well, i would say so, look at me, look at me, i see a certain coordination of actions, for example, with this radical part of the republicans, trumpists... with putin, at the same time , look at what statements were made, from putin's side, a statement was made from moscow that he is ready for negotiations and for broad concessions, on the one hand, and on the other hand, we heard two statements from trump, that is, one statement that why transfer money without interest, tens of billions, to support some kind of democracy, it is not clear there across the ocean, when internal issues can be resolved, and on the other hand, that he will encourage russia , so for her to be there, well... to the point that she almost attacked nato, that is, he explains, trump explains, well, if putin wants to negotiate, and i will become the president, then i promise you in one day that i i can agree, why spend funds, excess funds of american taxpayers, that is, this is already such a robbery, you know, putin

created a tool for trump, and trump, relying on this tool, beats the tactics and strategy of the democrats, he says, well, your tactics are wrong, you lead and support the war. it means ukraine, why is it necessary, if i am for it one day, give me the power , i will raise it in one day, you understand, that is, there is already such coordination in the virtual information coordination of actions, well, in any case , there was an extremely high tension in the european union, so trump started his favorite song about that if you do not properly finance nato, well, accordingly, there are huge chances that nato will not come to your aid, only in, so to speak, he also added there, well, maybe in... deviation from the implementation of the fifth article of the euro-atlantic charter, and this is already very, very serious, and that's it we understand that it is possible in this way that the european economy will also begin to take into account the prospects of a possible repulsion of russian provocations against certain european union member states without american

help, well, we hope that this will not happen, well, but we strained, but the key story is a good signal from the eu , which finally, not even two years have passed. so to speak, of full-scale russian aggression, as they began, found a mechanism to transfer to us the profits from frozen russian assets? yes, it is such a small compensator, i will say because the interest only, not not the 260 billion that they froze, there is no legal mechanism for the transfer of the body, let's say, sovereign assets, and it is only the interest from the use, from the use of this body, and this is a political decision that at... was taken by the european council, it gives instructions to the depositories on how to act with these received additional funds, what they should keep separately, and where and how to use them, how to transfer them, i think that the european commission will also develop a mechanism that will tell

all this mechanisms, now depositories have keep these funds and profits from these funds separate from the general funds that they have there, well, on deposits, let's say so, and why do you think they last so long. they are pulling the oxen, so to speak, for this financial place, we understand, well, with the money of saddam hussein, hussein, they somehow decided, with the money of adolf hitler, at one time, they also somehow decided , well, no... in all countries, well, here it is somehow here is an incomprehensible hitch, well, saddam hussein and hitler were not, did not represent a nuclear state, firstly, this is one time, and secondly, these states were not as embedded as russia and not had such an influence on the world economy as russia, for example, in oil there by 10%, in gas even more, in atomic energy and in the rest of the directions, that is, they did not take into account, did not take into account what they did with russia , the market economy, entered it, installed

all these processes, and now they are trying to limit it in some way, they are looking for limitation mechanisms , and russia says: and in response i will use the legal system against you, that you steal my assets, and secondly, if you really steal these assets, i will steal yours assets that are on our territory, you invested a lot in us, built factories, there are factories, plants, we created many things together. on my territory, i will steal everything, i stole airplanes , i showed you how i can dispose of property, then i can also steal all your assets, which we also have, that is, the threats and influence of russia, the role of russia is a little different, than that of saddam hussein, and that is why there are problems with her. thank you, mr. ruslan, ruslan osypenko, a diplomat, expert, internationalist, was on espresso, we talked with him about geopolitical, actually news that is now on the surface , what needs to be talked about, and here i want to take literally a few seconds to say

that the us senate has already finally approved the law containing the aid package for ukraine, 70 for and 29 against, that is, the bill actually received the bicameral support of the senators, now the matter will be transferred to the house of representatives, and let's hope that it will be possible to break them somehow, as they say, so that they also give their to... reservations for the allocation of 95.3 billion dollars for three countries, ukraine, israel and taiwan, and ukraine has more than 60 billion, let me remind you. now we're going to take a short break and after that we 'll talk in more detail about our economy, about money, that's also important to understand, so stay with us, stay with espresso, a few minutes and we'll be back. tired of heavy and bulky saws, then unbox strong saw tv. just for you, with it you can easily cut trees and bushes, it is so convenient to use it for carpentry work,

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president of the association of ukrainian banks, to our air , together with him we will talk about the draft resolution, which... provides for the introduction of restrictions on card transfers. mr. andriy, we congratulate you. good day, glory to ukraine. glory to heroes. therefore, the national bank of ukraine is developing a draft resolution that will provide for the introduction of restrictions on card transfers, we would like to understand what this will mean in practice for ukrainians. and, both the national bank and the verkhovna rada continue measures to combat the shadow economy. and in violation of legislation in the field of financial monitoring. i want to reassure our users of banking services with such a short note that those who use banking services and do not violate the law, no restrictions will apply to your cards. in this case, we are talking about the continuation of the fight against

tax evasion, especially in the field of gambling business, or, for example, companies that provide such services. because all the time, you know, there is such a principle here, the state is in a position of catching up, because restrictions are set, and people who try to somehow cross or bypass these restrictions, they are always creative and try, they think about how it can be done overcome. at the moment, we do not have clear information about the draft law or the specific restrictions that the verkhovna rada and the national bank... impose, but what i can say for sure is that additional measures will be applied, for example, regarding the limitation of certain amounts or volumes of daily , because we always see, for example, in banks, they see that if your card has approximately the same volume of transactions every week, and here for nothing, from next week you have 100 there every time, every day

thousand, 2,000 operations, which used to be atypical, the bank will always... will ask questions in such a case. the second thing they can pay attention to is the number of operations, for example. for the average ukrainian , there is a certain list of the volumes and quantities of transactions with cards, which it is customary to consider as the norm, you know, that is, such an average static indicator. and usually additional restrictions can be reflected from this indicator. if, for example, there is an average indicator, let's take it there x, it is there 20, 30 or 50, for example. operations in a certain period of time, then, for example, 150 - this may already be the upper limit and there will be additional questions. i know the big banks that are holders of significant, significant options. cards have already introduced such restrictions internally without an additional law, and you and i, ordinary ukrainians , card users, have not even seen this, because we

use our payment instruments as intended, but here, for example, those who try to avoid or evade paying taxes, or, for example, use your own a card that is not intended for use with those that are intended for use, so what does it mean that they cut the fish on it... or something? i am glad to see you, antin, and i will add that it is not intended, for example, there is a person who has a plastic card, and, for example, a tax evader approaches him and says: give my card, i will use it to carry out certain operations, and for this i will pay you there, i don’t know, 100 uah per day, or for example there 50 uah per day, usually some people go to such on such on such leave and then they cannot even realize the amount of operations that go through their cards and what transactions are taking place, so such and such

operations and similar operations will be blocked, i will even draw your attention to it, last year the national bank, it seems, from august 1 implemented even such a restriction, regarding the fact that if you want to deposit funds in cash through the eyes, you know, such self-service terminals, yes, yes, you must to your card. to indicate a mobile phone number, yes, on the one hand it is possible, you know, there to evaluate, well, i will buy 10-7 cards and will do it, but this creates more and more obstacles for those people who use cards for no purpose, but you explain in simple language, so to speak, in the language of workers and peasants, with which for the purpose of such restrictions, on the one hand , restrictions are introduced, yes, because it limits to a certain extent the freedom of entrepreneurship, yes, on the other hand, there is nothing criminal in that, if one or another person gave to a woman, for example, her credit card and she uses it there as

and it’s tempting, well, this also happens , that is, we don’t sew it under the article, but all the same significant one or another controlling restrictions are introduced, for what, why would it be, that’s where the main task is, you know, you are very wise and correctly picked up the logic of my my my... such a message, not to harm those people who use cards, as you said, in such a banal, literal everyday life, but on the other hand, not to give the opportunity to the so-called tax evaders , when they say this card is used by me and members of my family, and uah 5 per day passes through the card, through various breakdowns or transactions, this is a task that will be worked on now. the national bank together with the deputies in order not to harm ordinary users, us who use the card, and on the other hand, to create these

restrictions, that is, such borderline ones. mr. andriy, look, we know that your association, together with the institute of sociology of the national academy of sciences (ukraine) , conducted research on consumer loans, so-called quick money, which ukrainians began to take more often during the war, we understand that the economic situation in the country probably contributes to this now. but again, as they say, it has its downside, not very positive side, these are huge debt pits for people, can you please share with us how much these loans, the so-called fast money, have grown, and how ukrainians with treat them with caution so as not to create additional problems for yourself? yes, i agree with you, that was primarily and probably one of the main goals why we... explored with our partners with the company research ua this question. first, the war really affected every ukrainian financially, regardless

of how much someone earns. and according to our research, 23% of respondents applied for microloans for the first time precisely after the beginning of the full-scale military aggression of the russian federation against ukraine. and although most people, 62% of people. the interest on these loans is high, but on the other hand, again, 2/3 of people believe that the service and the provision of quality services, online, speed and so on, they satisfy them, that is, people, on the one hand, understand that there are high interest rates, but on the other hand, they apply, because if he does not have enough three days before receiving a salary there to pay utilities or some other payment, he will apply for these three days, take so to speak, in a loan for... no these funds and he is ready for this small percentage, because if it is taken for a year, it is a crazy interest, none of the microcredit users take a loan for a year, people take a loan there

. for 7 days, for 15 days, even some companies set restrictions, for example, there we issue such a loan for no more than 20 days, increased, mr. andriy, quick loans, quick money, so it is necessary to do something with all this business and somehow bring the whole system to a halt, because it is very extremely unpleasant, sometimes even tragic stories often happen, we understand that it is precisely this matter that must be somehow regulated, that is, so that it does not increase. these percentages for six months or there for a year, you know, the size of a three-room apartment, and the so-called gray regulators are actively connected, you know, and gently speaking, i don't want to mention all those collectors, but the collectors are not the worst, and we understand that very often they smell of a certain scheme here, how to deal with all this business, whether it will be possible to attract

the force of law, so to speak. the law and the national bank besides all that, i mr. antin, at one point i will not agree with you that in this market, let's say, to bring some order, in this market, by the way, there has been a national bank since the 20th year, it is regulator for the market of financial companies, including not only for banks, but also for financial companies, the lion's share of the work on the settlement of this type of business has been carried out, but here it is necessary to pay attention for one moment, the availability and... the availability of such a loan tool, this is not the cause of the problem there, we pay more attention to what we see even in our research in the problem with the fact that people who use loans can sometimes turn to one or two of three, for example, creditors, in order to then cover one, the second, the third loan, we pay attention to this, and the third is that sometimes, when you take a loan, you do not calculate your

personal expenses. in simple language, there are such stories, here is a drug addict who is on the system , he takes this or that microloan, the parents do n't know, that is, he starts to ignore the whole thing, so to speak, huge percentages accrue and after that the parents are ready, i don't know what to do , i don’t even want to voice all the suicidal moods, these are the practical stories of life, i also that, well , look, here you know, we can talk with... of course, and such methods, i will appear with those studies, those data from the research that we actually have, and the majority, that is, about 60-70% of the loans, respondents who answered, and this is a representative study by methodology, 70% of people take these loans for daily needs before payday, uh, and only 3-4% of people take for some entertainment, online entertainment, and... or

, for example, some recreational needs, and also an important fact, because many times the messages sounded like this, you know that loans are taken there at night or late in the day, we did too, asked questions and interviewed customers and ordinary ukrainians in this survey, v what period of time they take, that means 2/3 of people take these loans during the day or, well, during daylight hours, that is, only 4% of all people apply for these loans at night. that is, you know, here it is more about the social tool that exists, you can take it, you can not take it, like any tool, it can be used for good or, for example, for harm. in this case, its presence is not a solution to the problem, but regulation, raising awareness and fingrams, which we, by the way, regulation and setting a ceiling, so that they are not astronomical the interest on the body of the loan was high and did not grow in a geometric progression, well, but, but, unfortunately, we have to let it go, because now, well, ether

is not a game. as something else tells us, andrii dubas, the president of the association of ukrainian banks , very aptly said about financial literacy, i support him here, ukrainians need to improve their financial literacy, but we are ready to hear more news from iryna koval, who is from the news editor have prepared relevant information, iro, we pass the word to you, as always and please, tell us what this issue will be about. thank you, marta, well, i will tell you about the situation in kharkiv oblast and kherson oblast in this issue, too. information on what other checkpoint was blocked by polish farmers and much more, so stay tuned for more details in the release.