[000:00:00;00] will end well, we hope that everything will happen as soon as possible and ukraine will be able to return to a peaceful life, we actually have a lot to do in this peaceful life , as well as in order to become members of the european union and nato well, this includes economic issues well, but here the most competent of course, there is andrii yanitskyi, and i actually want to pass the word to andrii . thank you, colleagues. but no, who is more competent ? i have invited experts for this. today there will be two of them at once. yevhen dobrogrysta mykhailo demkiv, financial expert, financial analyst, wait, let's talk with them in a moment. andriy yanitskyi with economic news on the espresso tv channel, as usual in the morning at eight in the morning

, you and i are talking live, so there may be different things, we don't promise you anything. let's see what economic news awaits us today therefore , electricity tariffs for the population will increase from june 1, the price will be 2 hryvnias, 64 kopecks per 1 kw , the cost was previously discussed, so the government went a little to meet the people, the government approved the resolution was urgently introduced by the minister of energy herman glushchenko, explaining the increase in prices by the need for e-e funds to restore the infrastructure after the russian shelling in ukraine, currently there are two tariffs for the population , consumers who use less than 250 kw per month pay 1 hryvnia 44 kopecks, and those who use more than 1 hryvnia 68 kopecks start the second stage of the program is restoration, this is compensation for destroyed

housing, in accordance with the resolution approved by the government , and the money can be spent on building a house or buying a house size payments are calculated by the commission according to a special formula that will take into account, in particular, the region, the year of construction and the area. such an application for obtaining funds for repair work will be possible not only due to action a and b. more than 15,000 such applications have already been submitted to the national security agency or the social security agency regarding the sources of compensation , about 62- x billion hryvnias have already been collected by the government. in the fund for liquidation of the consequences of armed aggression, these funds will be enough for the first stage of payments for both assistance for repairs and the issuance of housing certificates, because according to estimates of the world bank, one coma and 9 billion dollars are needed for the priority restoration of property in ukraine. we are working with our international

partners to mobilize all the necessary amount and a small announcement on our broadcast. risks in the energy sector ukraine took unfortunately, the last place in this study out of four countries, and the best situation in romania, the study was presented by the analytical company dixigroup. for this, they studied 40 indicators in the fields of electricity, gas, oil and fuel well, now let's talk with our experts mykhailo demkiv and yevgeny dubogryzam, i will literally assign them for 20 minutes to us and yes in e-e they work, of course, in other cities mykhailo demkiv, for example, represents the icu group and about yevhen dubagryz , i think we will not talk in detail. because there was such

an agreement, mr. yevhen, we will start with you . so, ukraine successfully passed the first review of the four-year imf program and receives a $900 million tranche. this is already the second tranche the head of the imf mission, gaving gray, informed about this. well, what does it mean that we are moving in the right direction, that we are fulfilling everything that was promised under the memorandum, are there any nuances, well, at least, it means that they trust us because i would not say that we are 100% moving in the right direction, for example, we had an obligation until the end of may, that is, until the end of june , to adopt a law on returning our tax regime to the situation that existed before the start of

the full-scale mouse invasion, this is not we only did, but in the first reading this law was voted on, there are still certain nuances in the fiscal sphere in the budgetary sphere but nevertheless, you know, yesterday there were very optimistic statements from the imf and from the side of the representative of ukraine at the imf that they give us money despite i would say that we fulfilled 95% of the commitments we made, and this means that they trust us, they are ready to give us money, and simply in exchange for the fact that we are moving along the course we took, and that is very good. yesterday, there was news about this point of view that her if we we don't even fully fulfill everything, but we show our desire, we show movement in that direction, in the direction of those obligations

that we have assumed, they trust us, they give us money , but the nuances of this imf program are that these revisions take place quite often , literally every 2 -3 months, the imf is looking at whether we did or did not do what we promised and continues to review the program. we hope that after all, we as ukraine will fulfill it , write and subscribe. well, yesterday there was also a statement about the fact that it is not only about 900 million dollars what is going on? what is this? this is the first review. it opens the way for us to receive more funding from western partners, e. p. mykhailo, what did they mean when the experts said about this more funding? that is, what are our other partners, such as the european union, other institutions, they are looking at?

on the imf for their control over ukraine on er control over the reforms that ukraine is undergoing and accordingly er this is a kind of marker so you can continue to work with the country if it fulfills er requirements the imf works according to the program and as far as the program of this review is concerned, and the next one, evgeny absolutely rightly said that they trust us, do you need to understand that ukraine has to fulfill the commitments made on taxes, and at the moment the allocation of money is not 100% it's probably 99% there, because there is still a vote on the board of the imf on and and the next review of the program is already planned closer to september of this year and there will already be more

such important issues, let's say, the budget for next year well, as a rule, infin in this the issues are quite so meticulous and this was not a big er problem in the past years actually preparing the er budget for the next year will also include a debt strategy, we will come closer and closer to debt restructuring, the longest period, and also by the summer the currency strategy should be developed implementation and return to investment lending, i.e. those things that until 2022 were like a range. we must return to them at some point, the official rate will cease to be stable and will begin to increase. other institutions should develop a plan to achieve this, and at the next review of the imf program, the fund will assess how

realistic these plans are and the terms of their implementation . according to the national bank of ukraine, in the first quarter of 2023 , the debt of ukrainians for microloans increased by uah 663 million and amounting to uah 8.7 billion , the amount of microloans taken also increased by almost 40%. p mykhailo what does this mean, this impoverishment means that people don't have enough money to live up to their salaries, which they started to turn to of these microcredit organizations and take these loans at huge interest rates. is this a sign of something else? yevhen, i see that there is no. and mr. mykhailo could answer this

question . he doesn't seem to hear. our er. well, as i promised, we work live , so there are surprises in the sky. from this, er. or a medium-sized business is usually a business that also makes a huge social contribution to the development of society, this is a business created by immigrants and a business created by uh, a business created by veterans very often and we every wednesday just today wednesday evening on the espresso youtube channel at 6:00 in the section of the live broadcast we show such a conversation with such an entrepreneur today there will also be a conversation

last week we spoke with cheese producers family cheese factory pumpkin paradise in the lviv region i personally visited this enterprise saw in under what conditions is that cheese made? i was on an excursion. i saw a children’s excursion. how school children made this cheese themselves. it’s a very interesting program. it’s worth watching. find it in the section. find it in the section live on the espresso youtube channel. our experts i repeat the question, ukrainians began to take more microloans, we are talking about such loans at high interest rates, and the volume of such loans increased by almost 40% in three months of the year. mr. mykhailo, can you hear us or could you tell me what does this indicate? does this indicate some kind of impoverishment

of the ukrainian people, that people cannot live from paycheck to paycheck , that's why they go after this money, or is it about something else? mykhailo , i don't see, mr. yevgeny. maybe you can help, i'll try to help. this means that a-ah ukraine that ukrainians are already restoring the demand for these microcredits, this is good, this is a good sign, we saw almost the same thing after the last crisis. when the demand started , ukrainians went to these microfinance organizations, uh, because there are banks there the situation is such that banks have very high demands on borrowers, high demands of the regulator on banks and bank branches, that is why the restoration of crediting of restored lending to the population starts with

microfinance organizations and is already tightened. do you think that this kind of movement of the population to microcredit organizations indicates rather that people began to feel more confident that they will return these funds and not that they, well , they were left without income and, therefore, this is the last step, which is the last salvation for them uh, that is, on the contrary, it seems to me that it seems to me that both this and that, because at the macro level, otaka, the increased demand for loans means that ukrainians really feel more confident. we don't go to this quick money, we don't go to the banks if we are not sure that we will not give this money, but of course this means at the same time that people really have less money

than they expected, so they are forced to turn to these microfinance organizations or characterized it, characterized it in such a way that now it is possible that there is some kind of budget deficit, a cash gap, but you are sure that in the next place you will have a salary, you will return the funds, well, but there are crazy interest rates, you say that the banks have very strict rules, but there is, for example, an overdraft loan on cards that do not charge interest at all for a month, there is an opportunity to borrow from friends, acquaintances, relatives . why don't ukrainians use such a -a-s- ways to find money, but they go to microfinance organizations. hmm, it's just something the sarcasm is so or simply they do not know about such opportunities for card loans, ukrainians know, ukrainians use all opportunities, but we just now see aggressive advertising from all these

microfinance organizations. indeed, i would even say that sometimes these services are imposed, we see this advertising literally on at every step, come and take money, it's cheap , it's at 0%, and something needs to be done about it . the national bank even announced about a month ago that there is an initiative to limit e-e to limit microfinance organizations to put the maximum percentage that it can collect from the population for such microloans, you actually know this, so to speak, the situation can be viewed from two sides, on the one hand, it is very good that ukrainians go to such organizations, it means

that there is a demand, there is something to work on the bank, on the other hand, it is a very high interest rate, and something needs to be done about it . well, i hope the national bank will solve this problem, so i apologize once again for the technical malfunctions. this is a live broadcast. you remember, we worked under rocket attacks and during air raids, and there are some troubles with the equipment here , you know. well, for me, as a humanitarian, this is such a magical sphere, something mysterious, but i cope with it normally, i hope that the experts were not upset with mr. mykhailo . thank you for coming back

. let's move on to the last issue that we agreed to talk about. and i i can already see a wave of dissatisfaction in social networks, where people at two percent say that the war has already ended . why are we removing tax benefits ? as far as i'm concerned, i also have an fop - it's not critical. well, the point is that this applies not only to fops, but also to other legal entities , and actually between 5% and 2%, there really isn't such a big difference , but for e-e legal entities with a turnover of up to uah 10 billion per year e-e return to e-e pre-war forms of taxation by 2022, which includes and vat and income tax, well, this whole structure

that existed in a more normal time, water, uh, well, it is logical. yes, it is a measure of 2%, it was temporary, just for the period uh, after february 24, just to survive the country , it cannot to exist endlessly in the return to normality, it is the only one that is definitely correct . although many people really criticize saying that the amount of military taxes ukraine has lost is not so large, or now this time it will get less than uah 1 billion per month, large sums by the standards of on the 22nd year, but according to the standards of spending at the moment, it is not such a large amount . but if we look at the perspective of post-war recovery, then the financial system is a deficit . it should be normalized, carrying it out to the norm and without returning to some kind of taxation .

it is not possible. well, at least half of the budget is currently provided by our western creditors , we have to learn to live on our own and therefore it is necessary to return taxes, but uh, there is also another news about the increase in electricity tariffs for the population. the state's policy to return tariffs to increase tariffs to return taxes to a full-scale invasion does this good mean the opposite, well, it's clear that many people don't like it of course they don't like it, it 's a normal story, no one wants to spend more, but we have had the same tariff for more than two years despite inflation in spite of spending and that is why this increase seems to me to be perceived, you know, as a range, as what had to be done earlier about having a moratorium on

tariff increases, but now, but now it is is coming to its logical conclusion that tariffs should be raised and this, and it seems to me that raising these tariffs will be perceived by the population there simply as normal, as normal , absolutely history, but it will of course add a little to inflation because inflation in our country is decreasing, including due to the fact that utility tariffs and electricity tariffs were fixed, and this increase will add to the inflation, well, so many percentage points. this is for sure during the next year . well, minister glushchenko promised that the payment, on average, usually does not exceed electricity is uah 250, which in principle looks like an adequate figure. i hope it will be the same if a person is unable to pay the full cost of electricity for utilities. we also have housing subsidies. you can contact the social security authorities and consult how to

get these subsidies. thank you, dear experts . i apologize once again for the technical inconvenience . mykhailo demkiv was a representative of the company icu , a financial analyst in our program, and yevhen dubagrys, a financial expert, is always in the middle. thank you, colleagues, i am andriy the yanitskyi economic columnist of the espresso tv channel will meet with you tomorrow morning also at eight in the morning, let's talk about the economy together, we will defeat jesus andriy, the sensual voice of the piccardian third, invites you to the first solo concert in the extraordinary metropolitan garden, the song gallery , the window of feelings, june 10 at 4:00 p.m. tickets on

the website of the organizer big show ua live sound this super match may 31 at 10:00 p.m. exclusively on megogo so that ukrainians don't think about anything, no matter what they talk about, the first place still comes out war war and our victory is only on espresso from monday to monday, completely different spheres of human activity sports, politics, military analytics, six presenters, journalists, experts, opinion leaders in real time about the most relevant events through the prism of war in the author's projects on espresso congratulations, this is freedom life on radio freedom, we have already come to the very change the following shots you may

be shocked by news from the scene live kamikaze drone attacks political analysis objectively and meaningfully there is no political season exclusive interviews reports from the hottest points of the front frankly and impartially draw conclusions yourself war in ukraine the main topic for ukrainians victory and losses analysis and forecasts politics and geopolitics serhiy rudenko and the guests of his program will talk about all this people who have information and shape public opinion people who defend ukraine and create the future now the main thing and interesting in the program verdict by sergey rudenko from monday

to thursday at 1:00 p.m. repeat at 6:00 p.m. good morning friends, let's wake up and continue to watch the espresso marathon, the second hour of it begins in this studio there are two of us andriy serhiychuk and lesya vakulyuk andriy from the first it will be more fun i hope it is 100% yes and we have very interesting and important information for you that is worth remembering but not only remembering but also joining in all that to do a good deed well the point is because we need to collect a million hryvnias with you for our defenders , we are collecting for cars, e-e, for a minibus for the soldiers of the 79th brigade of the mobile battalion, for a pickup for the soldiers of the mortar unit of the 210th separate special battalion, for a pickup for the soldiers of the first company and

of the sixth separate special battalion and for the bath and laundry complex , we collect all this on the card number , you see it on your screens. let's still join the collection, as only we will have an update of sums, we will inform you immediately without you, neither the espresso tv channel, nor the angel lviv car fund, nor the european civilization charitable fund, which, in fact, we all jointly announced this collection, we will not be able to cope without you that's why we really, really need your help. who can, how much? well, friends, now we continue our marathon and now with us will be nataliya humenyuk, head of the joint coordination press center of the force defense of southern ukraine and captain of the first rank, ms. natalya , we welcome you to our matter glory to ukraine greetings, mrs. natalia, the day before you said that russia could prepare an attack, a powerful attack

, a missile. we are from the sea, has the situation changed in any way for tim, night hours, evening hours or something, is there any update or should there still be we are all ready for this attack, the situation regarding the deployment of forces has not changed, moreover, we know that the enemy has applied the movement of e-e installations and drone potential to the north , e.e. is trying to disperse efforts again in order to be able to attack from different directions from the south and from the east, and it also branches out to the northern points, so that is what has not happened since that night. the attack from the direct launch vehicles in the black sea does not relieve tension because

they continue to be on the battlefield alternately, they continue to represent a threat because their 16 -caliber equipment is quite a powerful potential for hitting specific targets with high-precision weapons , even taking into account the fact that we have a lot of experience in knocking down calibers and hitting in principle is quite possible, of course, but what the enemy is using now are two submarines missile carriers, this suggests that they are trying to find tactics that will be as effective as possible for inflicting damage , because detecting launches from submarines during carriers is usually more difficult for anti-aircraft of defense further, we showed the previous hour, yesterday the ministry of defense published a photo of the allegedly

destroyed s400 command post, probably on the left bank of the dnipro. and this is the punishment of god at least. and who specifically stood behind the remote control will later learn from the country about their heroes in general, how it happens . now, the situation under kherson was also reported about some kind of successful ambush from special operations on to one of the islands in the dnieper delta. yes, this video is of a certain delay. it is clear. we cannot expose our tactics of action just now. a few weeks ago, one with the operation was the same and it looked exactly like what we say when the enemy tries to maneuver

on his civilian boats. between the islands, as a rule, the development of events awaits him just then reports appear in our reports about the destruction of boats with the help of which the enemy tried to occupy new territories on the same islands by moving their sabotage and reconnaissance such a tactic was inherent some time ago, now the activity of the enemy on the boat is significant, the beginning of the previous two days, we again have reports of the destruction of two boats with the help of which the enemy tried to strengthen his units with ammunition mrs. natalya and something , somehow cotton did not bloom in the crimea for a long time, a season like this has begun it’s not the season, it’s not blooming, or it’s just that you need to feed it with something. it’s probably just that the winds are more powerful and the seeds are carried

a little further. but in this case , there will be time, and the crimean goddess will have to wait, because you see, i just activated aksionov, i apologize. as he says, welcome to the russians, uh, the bridge is working, let's go like this, that's something . they fled, now that they will return , well, it makes a certain sense, something like that, since they are trying to create a good mine in a bad game, supposedly everything is fine, supposedly the situation controlled, and i will remind you again that in the conditions of a hybrid war, the occupying power is quite constantly hiding behind the civilian population, that