mind and for the opinions of those young ukrainians who have been living in donetsk region and luhansk region for 10 years and in kherson region and zaporizhia region for two years, we believe and hope that the parliamentary profile committee will also develop such a story and we hope that cooperation with the ministry is a must, we will invite you to talk about it at some point, because the topic is extremely broad and important. thank you, ms. natalya, natalya pipa, people's deputy of ukraine, was in touch with us, a representative of the profile of the verkhovna rada's committee on education, news is coming from sumy oblast, active hostilities are ongoing, and there is even a visual. news about the downed

russian k-52 attack helicopter, ivan kyrychevsky, the editor-in-chief of our defense express agency, writes about it, but if only our colleague kateryna shirokopoyas usually knows all the confirmed information, katya, congratulations, tell me again what will be in this issue. greetings, colleagues, we have an incredible amount of operational information that we have collected during this hour, so now we will tell you. to our viewers, please don't switch and stay with espresso. greetings, it's news time on espresso, kateryna shiropoyas works in the studio. muscovites again attacked the territory of ukraine with attack drones, alarm in kharkiv region. and sumy oblast has been ringing for almost

a day, due to the threat of ballistics and uavs. that night, residents of sumy and sumy region, as well as various settlements of khmelnytskyi, kherson region, mykolaiv region, heard the explosions. dnipropetrovsk region and kyiv region. and at night, the russians attacked khmelnytskyi with drones. our air defense forces shot down four shaheds, the debris damaged the premises of the production plant and storage tanks. all relevant services are working on the spot - the head of the region said. serhiy tyurin of the military administration. and in the evening, the enemy again attacked nikopolshchyna, in addition to drones, kamikaze and heavy artillery, they used rocket systems of salvo fire. nikopolska, pokrovska, myrivska, marganetska and chervonogrigorivska came under attack community the invaders destroyed three houses and the same number of farm buildings. an agricultural company, a power transmission line, and a gas pipeline were also destroyed - said the head of the regional military administration, serhiy lysak. at night, the enemy

fired a projectile at a high-rise building in kherson, a woman received an explosive injury and contusion, she was hospitalized, this was noted in the regional military administration. in general , one person was killed, another 15 were injured, three high-rise buildings, five private houses, a gas pipeline and cars were damaged in one day due to russian shelling in the kherson region. two men were killed, another was wounded due to an attack by the russian federation in the pologiv region of zaporizhzhia during the day. the occupiers beat nine settlements in the region more than 550 times. they were caught three times by aviation in golyaipol and the valley. the russians destroyed at least 14 buildings and infrastructure facilities. this was announced by the head of the regional military administration, ivan fedorov. 12 injured in donetsk region. during the day , eight people were injured in mirnograd, two more in toretsk, turetsk, and one each. in ukrainian

and markov, the regional military administration said. since the start of the full-scale invasion, more than 2,100 people have died in the donetsk region, not counting the residents of mariupol and volnovakha. there is a victim in the kharkiv region, an elderly resident of kozachai lopan , who was injured by a russian drone. during the day in kharkiv, the occupiers damaged non-residential premises, a polyclinic, houses, garages and 26... cars. in the region, the enemy attacked dergechivsk, zolochivsk and kupyansk territorial communities. about this noted the head of the military administration , serhiy sinygubov. all our people are offered to convert into donations. the spresso tv channel and the vesna charitable fund have launched a fundraiser for the purchase of modern drones and electronic warfare systems for the third separate assault brigade of the 110th and 47th brigades of the armed forces of ukraine. the defenders in the donetsk direction hold back enemy attacks every day. defending our freedom and future. it was these soldiers who stood to

the last and defended the avdiiv direction in the spring. brigades urgently need drones and modern countermeasures enemy drones. our goal is 3.5 million hryvnias , now on your screens you can see all the necessary details in order to donate. good health, dear ukrainians. we, the fighters of the first assault battalion, the third separate assault brigade, who defend our native land on the front lines, urgently need your help. we need means of radio-electronic warfare against small bpols, the enemy and komikaze drones. we really appreciate your help. glory to ukraine, hero. word. and to operational information from the general staff of the armed forces of ukraine. by last day , 136 combat clashes took place on the entire front. the russians stormed the positions of our troops 42 times in the pokrovsky direction. fierce fighting continues in the ivanivka and zhelanny districts.

the situation in the turkish direction near new york and north is also tense. the armed forces of ukraine stopped 18 attacks by invaders, 21 retaliatory attacks. 10 russians in the northern direction and 10 in kramatorsk. it is also restless in kharkiv oblast, the hottest in the sinkivka and kolisnikivka districts. fighters of the main directorate of intelligence carried out a raid on the tendrivska spit near the kherson region. the operation was carried out by special forces of the artan active operations unit and the gur mokraina maritime center. at night, the landing party landed on an island in the black sea. our soldiers destroyed an enemy armored personnel carrier, a complex of radar warfare, and also destroyed fortifications. there are losses among the manpower of the invaders. our scouts returned to their positions in full force. unknown drones attacked

the voronet region of russia. the air defense forces of the occupiers allegedly shot down all the drones, but the wreckage damaged the facade and windows of one of the residential buildings. this was announced by governor gusev. according to the ministry. defense of the terrorist country, the local air forces shot down 11 drones over belgorod, kursk, voroninsk and rostov regions. border breach in the kursk region - minus a russian k-52 aircraft and two tanks in the suzhansky district. also, according to the russian media, the armed forces allegedly eliminated enemy infantry in the nikopol monastery and took prisoners, deepstate reported. according to the information of the ministry of defense of the country, the terrorists are. actions on the territory of suzhanskyi and korenivskyi districts in kurshchyna ended, but the governor of the region denied this. also at night , powerful explosions were heard in the kurchatovo area near the nuclear power plant. ukraine

did not comment on the situation in kursk or kurchatovo. and in sumy oblast, the only checkpoint on the border with russia was closed. volunteers of the atmosfera aid station told about it. this is a humanitarian corridor. kolotylivka, pokrovka, which were used by people to return from the occupation to territories controlled by ukraine. for what time and why the checkpoint was closed is currently unknown. note that the sumy region has been suffering from intense russian shelling throughout the day. and footage of the consequences of the ukrainian operation in the rostov region appeared. there, the armed forces together with ukrainian intelligence and the sbu destroyed the enemy su-34 in russian on august 3. in morozovsk, two more planes of the same type probably damaged the wreckage, and ammunition warehouses were also hit, gur reported. tried to get rich illegally. the head of the district social department will be tried in kyiv

protection according to the materials of the investigation, for six months, the official wrote himself bonuses from the money to pay the salaries of the employees of the unit. investigators reported the forehead. age of suspicion, he faces up to three years of imprisonment. in order to learn more information, you can follow and update our youtube, there we always have up-to-date information, as well as our special projects that come out only from us, and you will definitely find more interesting videos there, so i encourage you to subscribe, because there are live broadcasts of ateru, all episodes news programs and special projects, and to learn more interesting and relevant information, follow updates on our social networks, as well as updates on our website espresso.tv. i'm saying goodbye to you, i'll see you in less than an hour, my colleagues olyana

panasyuk and andriy saichuk will be waiting for you on the air, so stay with espresso and don't switch. estoy porqué

i am oleksandr morchivka, congratulations, you are watching the financial literacy program. today we will talk about financial inclusion, what it is and how it is for ukrainians in the most remote corners of our state to get quality banking services. we will talk about this with an expert, she will join us after the story. let's look now at the most important news from the world of money. problems with checking the validity of passports, document verification and use. service operation, these are the most important issues that were discussed at the meeting of the committee of the association of ukrainian banks on

compliance and financial monitoring. specialists decided to create a working group to prepare requests and communicate with regulators, in particular the national bank, state financial monitoring and the parliament. an all-ukrainian information campaign to protect the rights of consumers of insurance services, know your rights, insurance, is ongoing, its organizer is the national bank, and the general partner is the association. their banks. the company's task is to protect the rights of policyholders and improve consumer knowledge about insurance services. the nbu's financial literacy educational website garazd became the online site for the campaign. in june , one appeared on the market of non-banking financial services a new member, 25 non-banking institutions and one bank ceased to exist. the national bank reported on this. a number of financial companies, lifestrakhovyka, lombardy and others have been excluded from the registers. credit unions, however , the national bank notes that last month also showed good dynamics,

in particular, the regulator received 501 requests from market participants for registration and obtaining a license. the national bank is developing the concept of a financial inclusion operator. nbu chairman andriy pishnyi told about this in an interview with ford ukraine. such a license can be obtained companies or banks interested in working in small settlements or frontline regions. there will be requirements for them. tough, the head of the national bank notes. they plan to involve postal operators in trade networks to the initiative. ukrainian fintech companies are now forming and developing sustainable financial inclusion in ukraine. our journalists learned how to do it efficiently and effectively. financial inclusion is one of the global initiatives aimed at ensuring that all people, regardless of their social status, have access to financial services and resources. purely banking institutions. cannot fully provide credit to ukrainians, so the vacant niche was partially filled by

fintech companies. most companies have their own internet platforms that allow working with the client remotely. access to credit in ukraine is not at such a high level as, for example, in other civilized countries. not even that access, i will say the level, the level of indebtedness is such an indicator as, for example, loans to gross domestic product today. in ukraine, this indicator is quite low, and in fact there is a lot of room for development here, approximately 3 million people use the services of non-bank financial institutions per year, 80% of them are regular customers who do not allow delays, and this is a very important aspect of short-term loans, because martial law does not cancel the payment of interest. currently , the interest rate is no more than 1.5% per day, but starting according to our... calculations, starting from 2008, the interest rate will already be no more than 1% per day, and we,

let's put it this way, we do everything in order to comply with the norms of the national bank of ukraine, interest can be frozen during the war only for military personnel, internally displaced persons and those who lost their homes due to shelling. according to the current legislation of ukraine, the military, who protect our country and defend against russia's armed aggression, do indeed have... the right to benefits, so a military serviceman, who is officially a protected category of the population, does not pay interest on the loan, but that's about it ... a number of parameters under which it has to fall however, after the end of the war , interest will still have to be paid. therefore, in the case of a complicated life situation, financiers advise to agree with the institution to postpone the payment of the loan for several months. so, what is this mechanism, what is this initiative? we will discuss this in detail with the lawyer olena kolomatska. she came to

our studio. congratulations. good day. ms. elena, so this, well, such a complex name, financial inclusion, what does it mean and why is it important now, especially during the war for society? inclusion is about accessibility and equality of opportunity. what is financial inclusion? financial inclusion is the possibility of equal access of citizens and businesses to the financial services they need, regardless of their income, place of residence, place of activity, age, etc. why is financial inclusion important? when we talk about it, we are not only talking about accessibility, it is important. to what extent a citizen, a user of a financial service, is aware, makes a conscious choice when he turns to one or another financial institution, banking or non-banking. why is it important, when a person realizes why he needs this or that financial service, what benefits he should get, what risks he can bear, what obligations are placed on him, he makes

this choice consciously, and he will get the maximum result, her needs are met in the maximum possible way. what makes it useful for a person, so a person, firstly, if we are talking about small and medium-sized businesses, small and medium-sized businesses not only attract funds, but also attract them in profitable for himself conditions, understanding these conditions, a citizen, he not only receives, for example, at the expense of microloans, credit funds for maintaining the financial stability of his family, he can also dispose of his savings, make investments. all this happens after a conscious choice, well, if we talk about this mechanism, financial inclusion, how important it is now for society, and not only for business, but in general for every person, well, we know that, for example, many internal displaced people now live in small regional centers, in villages, people really need

some services and the same small loans for their families, as far as now... this system of financial inclusion can work, well, in front-line towns where there is a real lack of working capital and in the most remote villages, for example, in the same western ukraine. in this case, if we talk about the meaning for the economy, we have to understand that if financial inclusion works well in our country, we have a stable financial market, because grandma comes to the bank branch, for example, she understands why. and this or that financial service, she is satisfied with the result, she brings another grandmother, at the expense of a stable, stable financial market, it can be predicted, it can be analyzed, it leads to economic growth, economic growth of the country as a whole, if we talk about front-line territories, where the occupied territories are, at the moment there are a lot of problems, as there is

a reduction in branches, including bank branches, but all this can be submitted, submit in any way at the expense of... mobile applications, at the expense of digitization, at the expense of mobile branches of banks and other non-banking financial institutions. the national bank of ukraine defines financial inclusion as one of the key priorities of its institutional strategy. moreover, the national bank of ukraine in wartime conditions updated its strategy precisely so that people in remote regions of our, our country, could get financial services, because... this is their welfare, this is their survival, let's be frankly, it is very necessary for them now, well , you mentioned that it is important for the ukrainian economy, i will add that one of the driving forces for the growth of the domestic cattle product according to the calculations of the national bank is often heard the phrase is internal demand, that is, the money that you and

i spend, indeed, when a person has funds, he invests them both in goods and in services and in development. investment , a small investment, even in some computer, well , let's say, in some enterprise, in some fop, this is also growth gross product? yes, of course, absolutely true, and how can we stimulate such demand at the expense of financial literacy, if a person understands what this or that financial service is for, he has no distrust of a financial institution, because now a very big problem is people who are afraid go to, for example, non -bank financial institutions to... get the same microloan, there is nothing wrong with it, if you understand what this financial service is for and what benefits it should give you, financial literacy along with physical access'. this is the second component of financial inclusion, which currently also needs attention. again, financial institutions, not banking financial

institutions, conduct public outreach. the national bank of ukraine, in its structure there is a department for the protection of consumer rights in the field of financial services. all institutions take maximum measures to ensure that the rules of the game on the market are transparent and accessible. well, together with our program. viewers will increase the financial literacy, thank you, olena kolomatska, a lawyer, was a guest of the financial literacy program, pump her financial literacy together with the journalists of the espresso tv channel, i will say goodbye, watch us!

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the qr code and order right now. there are discounts until independence day on detoxyl 15% tablets in psyllanyk, bam, and oskad pharmacies. laughter, physical activity, sneezing. even during such a small time stress, urinary incontinence can make itself felt. feminos helped me. thanks to the natural ingredients, feminost uro helps to restore control over urination . feminost uro - urination is under control . there are discounts until independence day on corvalment 10% in pharmacies psarynyk bam and oschadnyk . vasyl winter's broadcast, two hours of air time, two hours of your time, two hours to learn about the war and what the world is like, two hours to be up to date with economic news and sports news,

two hours in the company of favorite presenters, presenters who have become like-minded to many, as well as distinguished guests of the studio, events of the day in two hours, vasyl zima’s big broadcast, a project for smart and caring people, espresso in the evening, hundreds thousands damaged property, apartments, houses that need to be rebuilt, about the situation with reconstruction in different regions of ukraine, about people's rights, opportunities and personal experience. this is what olga's house looked like last year, and this is what it looks like now. i am not spending money at the moment. about how to unite the country in the process of recovery in the project of the program of reconstruction and development of cities. every saturday at 18:30 at espresso. well, we are coming back, and we are coming back to remind you that we have a collection, we

are collecting for... drones and reb, this is done by the vesna charity fund, as well as the espresso tv channel, and our iryna koval, and all of us together with you have already collected more than 10 thousand today, in general, even then, the information is outdated, we have already collected more than 15 thousand, thank you to everyone who responded and continues to respond to our appeals, to donate something, yesterday we also, in fact, donated 100 hryvnias with ulyana and... even today i donated, yes, yes, you beat me, so you are still grazing the rear ones, i am grazing the rear ones, then it's true, we need to fix this story urgently, friends, we'll just fix it right now, our favorite column will be "do it with us, do it like us, do it better than us, but for now we 're switching to a conversation with yuri nikolov, a journalist, co-founder of the independent group of our money, mr. yuri, we welcome you, congratulations,

good morning. mr. yuriy, we continue to emphasize the scandalous story with okhmadit, where a bunch of public organizations, individual volunteers, companies, individuals collected huge funds to rebuild, and in the end, it happened that in tenders, in a tender for repairs. actually , the reconstruction of ohmadite was won by the company that did not, did not offer the cheapest and most profitable, i would like to say right away that the cheapest tender is not always the best tender, we should also understand this, but on the other hand, even from talking to many people, with which there i cross paths, and somehow this story just literally undercut everyone, like, well ohmadit, well, what are these emotions, maybe they are just emotions, are there really signs

of corruption corruption, mr. yurii... yes, unfortunately, this whole story is really as bad as people say, unfortunately, the management decided not to punish anyone for it, just to pretend that, sorry, it turned out that way, it’s just some barigs who flew in, rented an excavator and of course there won our competition, wanted to make money here on benefactors, on children, my god, what bad people these bars are. already baptized themselves in their own construction group there in the zaporozhye one, so everyone pretended, in short, that now everything, now definitely, definitely, we will not steal on this, we will create 100-500 consultative supervisory structures there, which will be one for one look so that no one messes up anything, everything in the system is transparent and somewhere, well, i don’t know, somewhere someday, someday,

maybe it’s all... converted now into a real repair, in general it somehow converts or does not convert over time, so to recall the scandal of two years ago, which was much discussed at the time and the author of which to a certain extent cannot be said to be the author, let's say, the person who drew attention to this situation was you, i am now talking about those famous or infamous eggs for 17 hryvnias, which in the end probably cost the minister of defense riznik his position, there were many voices that he was a very good minister, and this is all about... it just worked against us, how many eggs are now, but to be honest, well, i buy prepackaged ones at the store, you know , that is, in such trays beautiful ones are for sale, they are about 5, 4.50 uah each, and those you know, there are three dozen of them on such open patches, these are square eyes, they are 3.20, i see that there is a price somewhere 3 hryvnias each, and just recently our money was found

from... well, in fresh contracts of the ministry of defense, that eggs with delivery to the front-line parts of the donetsk region, well, that is, this is already the very front, well, only moscow is next, relatively speaking, yes but they are delivered there already at 3 hryvnias per piece, that is, even cheaper than in store, that's what can put an end to all these tears of reznikov and his defenders about the fact that we had special eggs, it was magical logistics. with the rotterdam plus formula, the eggs were put on coats by artificial intelligence and walked on their own, and that is why it should cost so much. let's talk about all this, and what the price turned out to be. listen, but these stories, respectively, well, there were people who conducted this tender, all the names are known, they were named, but what is happening to these people now? eh, everything is fine, everything is fine, with these wonderful people, and...