[000:00:00;00] if you want to buy a good one, go there, where, here, in the carpet or a customer satisfaction and customer orientation is considered the original , that's why everything is put in its place in mahd farsh . dear viewers of the news section of the morning page, welcome to the ceremony of honoring the winners of scientific innovation and entrepreneurship, shahid and

self-sacrificing , with the presence of the head of the martyr foundation and the affairs of the self-sacrifices, was held in the art area of ​​tehran. my name is alireza salmani and i am a nursing graduate student medical sciences of tehran are prominent in the field of the only wounds that have been inflicted by humans and the effectiveness is very thursday. from the propagation kit of islamic microbes, corona has a direct relationship with the disease, they quickly enter the key phase of medicine and treatment, and because they have a little girl

, they are used as a model for early detection in various cancers and also for chemically injured people, and they are unwanted by god. what is iran doing? you do all of us are rooted in the soil, rooted in the soil, growing hair , i came, i'm going to my own country, don't take it from me, i came to iran, the first senior rank equal to musa sadr, the introduction of the selected book, according to the minister of energy, the water and electricity industry took the first place in non-oil exports with a 60% quota. currently, the needs of the water and electricity industry have been reduced by the domestication of the foreign exchange expenditure of this sector. the products of the iranian elites , according to the minister of energy, can provide a major part of the needs of the water and electricity industry that we need in the industries. presenting our own needs today.

can be provided from this route based on statistics trade development organization, the export of technical and engineering services of the country has reached two and a half billion dollars this year, 57% of this figure belongs to the water and electricity sector , a significant part of the needs of the domestic industry, and almost the foreign exchange expenses of these two industries have greatly reduced debt, one of the centers effective in the production of knowledge-based equipment, tehran university science and technology park hosts more than 300 technology units and knowledge-based companies, almost 100 companies have settled in science and technology park in the last one year. what problems we had was that the units we could provide for we did not have the establishment

they have adopted a mechanism that was a partnership with some government organizations and institutions, to the vocational technical education organization, which fortunately provided part of the constructions of the actual establishment of the companies through the ministry of labor, with some private sector companies such as mr. we had communication agreements, installed all over iran, with various places of cooperation with the organization of credibility. we implemented a project in the same tehran university . it reduced the electricity consumption of the assembly by 35%. at electricity distribution stations, as well as for electricity transmission

and medium pressure networks. fatemeh najafi, sed and sima news agency, more than 40 agricultural schools have been equipped and renovated this year. the minister of jihad agriculture announced this and said that to support young farmers, the investment fund in the sector rural and nomadic youth will be created. 84 months , 60 years, the average age of farmers has been high in the last few years. by exploiting the neglected capacities, young people have changed the situation in a different way. one of the things we created in the field of subsurface irrigation is water consumption and the agricultural sector

is one third of the next part. we have constructed nearly 7 thousand meters of agricultural pipes to transfer water from agricultural wells to our fields and gardens , which happened at the farm level of our village and caused migration. with this view, we can mature in the coming years 200 tomans of the people's products and the column should actually be exported. until 5 years ago , we had almost almost the mouth in the village of seran, now you can find more than 100 households there, however , the youth have other expectations from the authorities that the authorities do not fulfill their previous appointments. they should stick to it. tehran's memorandum was closed, but the provincial area has not yet been settled. in the six months since the presentation

of the memorandum, the special executive action that has been taken , we have discussed the contents of the young farmer with the country's agriculture officer, and the minister has paid more than 40 to the future plan of the ministry. school of art agriculture, in cooperation with the social security organization, this year, the ninth equipment was able to be supported in the content areas of their lessons . next year, we will launch investment funds in the rural nomadic youth sector . the modernization of the agricultural production system and economicization of the village has

been rejuvenated with the cooperation of farmers. there have been more than 630, hashem mirzakhani, the director of cinema shahr, in addition to these statistics , 131 cinemas and theaters have been added to the cinema infrastructure programs of the country this year and the next year, and 17 thousand seats have been added to the total number of cinema halls in the year 401. the cinema organization of the country was added to the memorandum of understanding that it concluded with the honorable governor throughout the country. until now, there are 18 underprivileged provinces , there are cities without cinemas in them. it is strange that for 51 years, they reached an understanding that with the support of 50% of the province and 50% of the

cinema organization, god willing. add by walking iraqis, on the occasion of the half of sha'ban, iraqi pilgrims on the eve of the birthday of hazrat mahdi, may god bless him and grant him peace, to visit the shrine of hussain, started walking from 130 meters of karbala to the sides of the city, in order to visit the shrine of imam hussain , peace be upon him, on the birthday of imam hussain, peace be upon him, in the following traditions and hadiths. seyyed al-shahda peace be upon him is emphasized in the middle of sha'ban and accordingly iraqis hold this walk every year. according to the tradition of iraqis, carpets have been set up to welcome pilgrims in different routes, especially najaf to karbala , and anyone according to the capacity of the pilgrims

karbala welcomes you on the walking path of shabaniyeh at 2 in the morning, the next part, thank you for your cooperation, greetings and good time, dear and respected viewers, welcome to the economy table today, march 14 , which is named in the country's official calendar as the day of promoting the culture of good debt. and this is the reason that today the first national conference of qarz al-hasnah

was held in the country with the presence of the minister of economy and the activists of the country's banking system. as a great symbol of islamic economy and a special place in the islamic banking system, we intend to examine in today's economic planning, why qarz al-hasna banking has not grown as it should in the banking system of the country , what are the conditions of financial management and justice in the payment of facilities in qarz al-hasna banking, and finally what actions should be taken in order to improve the banking system of qarz al-hasneh in the country's banking system, to receive answers to questions in the studio , we are at the service of mr. shamsinejad, the ceo of qarz al-hasneh mehr bank of iran, and also mr. yaser moradi, the chairman of the board of directors of saderat bank, but before we start the conversation, my colleague gave a report.

it has happened that people have been paid to meet essential needs such as marriage and housing, and according to the syrian law , it is not received in return . the literature of qarz al-hasna bank deposits and the facilities used in it is moving, it finds direction, it is very valuable and it shows the effect of qarz al-hasna bank on commercial banks, by keeping 10-30% of legal deposits with them, they can use up to 90% of their resources. give a loan , but is this the case regarding loans on credit? it makes you drunk, then the loan of the mehr of iran and resalat, which is also reported by the central bank , about 70% is paid in the field of employment and entrepreneurship. these banks

are known for interest-free loans. they are always welcomed by the people. it's very great and easy, you can get it with money, and your profit is also almost the repayment, as i said, it's much better than before . i applied for several stages of loans both for my colleagues and for myself, and the issue of guarantor is greatly reduced with what they give to couples and colleagues. i know i was very upset. how long did you wait to get it? i was waiting, i am in the other part, i said the facilities of this part , i came to see now, but i didn't wait long.

we are prioritizing our own work orders and implementing them, we are doing the three dimensions that exist in this regard, in terms of validation and then the guarantee documents should be taken electronically . sincerely, mr. shamsinejad, ceo of qarz al-hasneh bank mehr, iran, welcome. hello , we are at your service, your colleagues and dear viewers i would like to congratulate you on shabaniyah and half of shaban, the birthday of imam zaman, peace be upon him, and also on the 14th of march, the day of promoting the culture of karz al-hasaneh and the service of mr. moradi. greetings and courtesy to the respected viewers , let's start with you. all the experts they admit that the good loan model is a proper and worthy model in the banking system as it should be and maybe

it has not been implemented in our country in our banking system . small and medium society and different models from these local mosque funds and from these models, there were models until the mid-80s when qarz al-hasna banks appeared in the banking network . currently, ando bank qarz al-hasnah, which exists in the country, has a lot of loan issues. qarz al-hasna is now being shouldered by a factor of service to you. currently, the resources of these two banks are 16% of the country's loan resources, because there are placements in other banks, but now they have 40% of qarz al-hasna loans in the country , and of course, the amount of this loans and loan resources

have grown well in the last decade, and if earlier, maybe 23% of the resources of the banking network were less welcomed due to inflationary and economic issues , but now with the model created by qarz al-hasna banks, the ratio has increased. right now, the resources of these two banks have an annual rainfall of more than 70% , the highest growth of resources and in the banking network. allocated to themselves, of course, in addition to the growth of resources, the senior test of the expenses and facilities of karz al-hasna is given to the people, so if the museum of karz al-hasna is getting closer and closer to its place , in the banking system, we have an upstream industry, which, for example , this year, we have to you can give me something at least i didn't see it, but actually the hair growth and the goal of the mother of the two banks, qarz al-hasna, is that we

can have at least 10% of the country's total resources in the field of qarz al-hasna, and now the second novel is the whole bank, but now it is close to the whole bank. three and a half percent of the liquidity resources of the banking network are in qarz al-hasna, with the way that these two tomans who have qarz al-hasna are doing. we had the growth of resources, and the facilities have grown by 80%, now banks like you now this year, how many percent of loan facilities did i give? the whole bank and resources are loan loans, that is, people deposited in their accounts , the most important facility is loan loans, but last year , we have about 60 million loan loans, this year, so far, 110 meters of loan loans. we don't have more than 90% growth, of course, the resources of the banks are due to the intention of all members of the society, both individuals and

companies create through resources and take loans for their own personnel. the 13th government in the field of debt a very good attitude has been created in the central bank and the ministry of economy, and alhamdulillah, the limit of loan facilities up to 200 million for real people and 500 million for legal entities , the bank's resources have reached from 70 to almost 150 meters. the people of qarz al-hasna give loans, mohsen banking, qarz al-hasna, which does not burn, this company does the business, not the head, it does investments, and the actions that accumulate like this , how are the qarz al-hasna facilities in saderat bank now, for example, what percentage of

the facilities did you pay last year? did you do that loan now? it has been and now the news about the salary for your service has changed in this regard for the viewers to serve the people of other banks other than resalat bank, bank qarz al-hasneh mehr iran is good in their portfolio in their own product portfolio , they receive all kinds of deposits from the people and pay all kinds of facilities. in fact, the rest of the banks and financial statements are identified by profiteers who pay their shareholders, as a result of the resources that are deposited in the hands of these banks as loan resources by the people, the resources will be allocated to our good loan facilities, while we have duties in the budget law, that is, people who, other than those who have an account turnover, get other facilities, other loan facilities in commercial banks, only usually they use drugs , which are referred to as mandatory facilities in the budget law, such as marriage facilities, childbearing facilities

there are facilities of the aid committee for those in need, the aid committee and the welfare organization or similar things that have a high school average and account turnover can receive these resources. unfortunately, the statistics that i will present to you are in the entire banking network and only saderat bank, the growth of the banking resources of qarz al-hasna at the moment. 34% compared to last year, 34% had senior resources, while the qarz-ul-hosna facility has increased by 53%, as an example of the parent bank of saderat iran, currently there are 5 peers, 150 thousand billion tomans, the balance of the qarz -ul-hosna facility, the sample, while the balance of the qarz-ul-hosna resources system and only 43 thousand billion tomans, so there is even more than the system's loan resources , we have

paid 3 thousand billion tomans more. qarz al-hasna facilities are decreasing and one of the factors that promote the culture of qarz al-hasna is 1 points on insta with the definition , it is considered that people will have the desire and inclination to open the account of qarz al-hasna so that we can help other people more. to be able to receive qarz al-hasna facilities, thank you very much mr. shamsinejad for the brain of justice, now create a mechanism to pay the facilities and experts believe that there is a stable economy in the social justice group . balanced throughout the country did you do it, or are there some people who are less privileged with this banking system, qarz al-hasna bank is condemned? the second point is that today mr. economy minister pointed out that they are closer to the sources of power, access to more inclusive facilities, which the minister of economy

pointed out, you implemented in qarz bank. al-hasna, these two cases are an important point in the discussion of justice related to you. what did you do? one of the points you said is very inclusive. it is very important to look at it. our branches now have 515 people in the branch . by the way, we have the least number of branches in tehran, where in the 1950s in the year 1991 of the country in this province there is a city, the least number of our branches, you can see here , they may be private banks and other commercial banks, with the dispersion of shaaban in the most parts of the country and less privileged places, with the culture of qarz al-hasaneh, this is the plan that i can tell you, for example , we have in the provinces that from the 11% liquidity of that province in the eyes of our network, what are the provinces that

are very needy and supported due to qarz al-hasna loans? really sorry it will be separated tomorrow, the issue of financial inclusion is through electronic tools, our development can be towards branching and physical mechanisms to some extent, but now electronic tools , online facilities, our absentee services and my absentee validation documents are now available to all people. iran was placed a year ago, almost 20 of my accounts were online, but now nearly 70% of account opening is online , wherever there is internet, but we can provide services and services to people , currently more than 30 the percentage of our loans in full

it is possible to go to the branch without shorts. currently, i have almost 10,000 people connecting to our bank every day. in the last year, more than two and a half million people from the community are those who are now, for example, in a village in sistan. and balochistan lives as much as a person sitting in tehran uses the facilities of qarzul -hosna, those who are in the city are deprived in our province, they can be used by the circulation of financial resources or the financial issues that are in qarz-ul-hosna accounts. in tehran, for example, there is a difference in terms of human resources we divided it so that, for example, for tehran branches, they show this amount from the qarz al-hasna accounts , whether in tehran and the cities, there is an equal amount of these qarz al-hasna facilities in the sea and the provinces , there it is less than the example i gave, 11% of the resources

we have in that amount. the facilities for the mothers of the provinces are more than, for example, in tehran, which was under 1% of the resources of the tehran teacher. in the provinces, the people had less benefits in your bank. we give a good loan support in the area of ​​their nokia points is correct, but in provinces with low financial status, our support facilities are much more, that is, issues such as welfare assistance committee facilities and even job creation that we pay are much more in them , and we have our branches in these provinces with a massive volume. from people's inquiries, how is it divided so that this justice exists in the field

of banking issues and the use of bank capacities and what use of bank resources really exists in cities and small towns, some banks only consider their economic benefit. it takes me to collect my own branches, they turned it into a fund, and that is bad. well, finally , people can use justice and equality, as the famous saying goes. well, mr. moradi , how did you implement this inclusion and justice in the payment of qarz al-hosna loan facilities in saderat bank? i will repeat the main issue of your statements. the bank is the depositors' lawyer. the resources that the banks have are a number of people who make deposits . for example, 20%, 22% and they make deposits. when i become a lawyer, if i am not a lawyer, but you are not, you should make a deposit, amin fardin. and the people who are the shareholders, then the resources that the supporters deposit

with me, and after 20%, they receive 20% interest. these are the ones that i can't come to give a loan, we have to provide a facility to have a child , a loan facility only, or based on the resources the government provides to the banks, if it is not the case, it must be a place where the people had a tendency to get the resources of the loan from the use of the loan. coming and another part of sources and the interest that is in your accounts to the exclusive karz al-hasna facility, the selection of the representative of franz here in the middle of the souvenirs of hazrat ali, with the language of many experts , criticize this issue here, so that it is the real karz al-hasna bank, you should take the name of karz al-hasna bank, because this is a non-governmental organization that people they give loans to each other and this good tradition is fed and implemented. i criticized the experts for the lack

of growth. now i was studying the policies of the karz al-hasna development bank. one of its criticisms was that the view of the field of karz al-hasna from the eyes of officials and policy makers. we must change and develop what you say did not happen, which is defined as the reason for the profitability of resalat saadat bank's economic enterprises, the profitability view and commercial banks are a part of this project and the style it has, and his friends in saderat bank, 47,000 qarz al-hasaneh pisham, 25 thousand billion tomans, the full movie taxiran karim, close to 18 thousand billion tomans with a 60% increase compared to last year, we only have marriage facilities , if you have 116 million thousand billion tomans in the entire network of ansar bank, marriage loans have been paid to nearly 840 thousand people from the banks, be sure that if this task is the responsibility of the bank employees themselves managers

banks are a part of this society and they want to serve the general public, as well as the manada banking company. let me give an example. god willing, soon in saderat bank, all pensioners of the country who receive their salaries from saderat bank, for example, up to 500 15 one million tomans, a credit limit, so that i can buy from this store until nowruz, eid al-fitr, god willing, it will be a thousand billion tomans, without travel , without profit, completely in the same way that we want to do culture and guidance, which i wanted to do, the minister announced today, i wanted to serve my dears, let me tell you this the discussion of the loan facility fee is currently based on the point that if a person

uses the loan facility, 4% of the fee is charged to the balance of the facility every year or three years of education is replaced, this loan is three times the fee of the facility balance of one million tomans from 100 million tomans. in the second year, 4% of the remaining balance of the second and third year facilities is given according to the approval of the central bank's jurisprudence council, and god willing, with the announcement of the central bank's board of directors , from the beginning of next year, in qarz al-hasneh mehr iran and asalt banks, it must first be positive in the rest of the banks are one-time people four percent is now paid as a service fee with less than four people, and this is not added to the balance of each year, and the effective rate is 78 percent