[000:00:00;00] the three-year facility will be replaced. this loan is three times the fee for the first facility balance of four million tomans. if it is one hundred million tomans, the second year balance will be paid to the balance of the second and third year facilities . it was given according to the approval of the central bank's jurisprudence council, and god willing, with the announcement of the bank's board of directors. from the beginning of next year, the central bank should be dominant in iran's qarz al-hasneh mehr bank at the beginning of next year. in the rest of the banks, it is a one-time sweat with people. for one time, they pay 4%, now with 64% as a service fee, and this belongs to the balance of each year. it doesn't work and the effective rate is actually from 78 it is a percentage, and as the saying goes, the needy community needs and needs to receive

qarz al-hasna loans, this is good news that the balance of the amount, which after the significant reduction of death and destruction, said for example 4%, but the percentage of loan repayments to the employees of qarz al-hasnah company was transferred to qarz al-hasnah banks. there are many people who don't have financial resources in qarz al-hasna banks , there is a contract that says how you have people's money, you have to pay qarz al-hasna facilities to your employees. there you are from public sources explain to your employee that first of all, if we consider it as a whole, you mean the entire banking network, with network 3 commercial bank news, the decision of qarz alhasaneh bank is different from the place of equity

, that is, we have a bunch of chocolate shares in qarz alhasaneh mehr. iran has 10 government banks of them for the capital and annual profit that the bank makes, a balance in front of your mother by paying facilities to our own employees in qarz al-hasneh bank , not from the place of people's deposits, from the place of the owners' equity of the bank and the resources of the roma people. we give our colleagues the first point and the second point of facilities qarz al-hasna loan cannot be paid, now it is not allowed in the central bank to apologize to the network, you give each other to your colleagues , there is no difference between the employees of qarz al-hasna bank and the bank network, it is an ambiguity in the public mind. there is, therefore, it is not from people's resources. mohammad reza hasan is not. with higher authorities and higher

rates, these ambiguities should be resolved. bank employees are currently receiving advances and loan facilities from 10% to 18% to 23% of general public facilities. employees receive banks will benefit from these facilities to the same extent, and under no circumstances should people's credit resources be used, i mean, even one rial will be provided to the employees of the new economy bank, and this issue is as a resolution that has been notified to the presidency and the employment organization of a hard-working people. taking into account the balance of bank employees' facilities, a person who is a simple employee of the branch and the managing director of the bank

cannot update more than one number. to serve all the dear people of iran this issue is not true, as soon as it was brought up, this transparency is very good. now, qarz al-hasna bank, i want to see how transparent the operation of the glass room is, or not . how was it successful? yes, information on the financial statements and facilities of the beneficiaries of mamasite is published on which financial statement . this year, for the first time, they asked for the six-monthly report. and to first and foremost, we announce that all the facilities are completely transparent, because they are small and large facilities, all of our monitoring items

are fully monitored under the supervision of mellat central bank, and alhamdulillah , i asked for a deviation in the facility and we did not have it, which cannot be done according to your agreements in the bank network belonging to qarz bank. al-hasne mehr iran, with less than half in this lesson and it is interesting, i would like to tell you that we have observed the average percentage of other banks, the name of other banks goes to a temperature higher than the window, but the lowest limit, dad, the number of facilities is very high. last year, we have 2,600,000 facilities this year. to nearly three million we come to the loan facility section, which is really a lot of numbers , and this is a sign of the trust and good faith of the dear people in the field of loan , they have a lot of trust , they work on us both on time and on time, so there is transparency and

the regulatory bodies completely supervised our facility issues and in saderat bank, i want to use the price of foam, so it is not easy in commercial banks, and the positive thing that happened in the budget law this year and before, according to the directive of the minister of economy , all the banks had given they were obliged to give the names of their super debtors to hassan's big debtors this happened on the central bank's own orange, but as expected, when the bank sits in the glass room, the public monitoring did not happen. it is special for the people to see the brand of these financial statements and the big debtors, to feel the banks, to feel the judicial system. he should ask what happened to the granted facility, why it didn't come back after all these years, what happened in the year of the year, the people of the glass room , the glass room, we should have a goal, but we have a monitoring system, self-monitoring

, we have monitoring systems, right now, when the rate facilities in our country is 23% and the inflation rate is much higher than that, the resources are limited to grant the facilities of the capital, it is clear that the people who are islamic producers may receive the access to reciting the qur'an clearly . people, as the most important pillar of supervision over all banks and the government, should follow up as a public request , follow up on whether these facilities have been paid, where these facilities have been spent, these facilities have shriveled up , and demand even better than this from the honorable judicial system that supervises them. that before the monitoring devices and the central bank's supervision should be carried out, what happened, this happened, clarification was made, we are expecting that, god willing, i hope that it will be started before it started and there is a positive trend, these things will lead to whoever returns more resources

, i will have a banker at my disposal, so that i can easily ask someone. whether he is dead or shamsi nejad, the discussion of qarz al-hasnah can help small businesses a lot, and finally we discussed employment in this museum, the explanation of qarz al-hasnah has been targeted towards helping you from those small businesses or even the knowledge-based field. one of the actions this year with the cooperation of the honorable government and the central bank has implemented the legal loan facility for the first time in the banking network and at least in the bank of qarz al-hasna, now its title was about 500 million tomans, but god willing, next year it will help you to prosper and produce businesses. let's do it at home. in the knowledge -based field , we have signed a memorandum of understanding with the scientific vice-chancellor of more than a thousand knowledge-based companies throughout the country, financing the working capital of karz al-hasneh karim, which is currently being

done . and this is our contribution to the field of production from the work we have done, the loan and loan and the close manipulation of the goods acceptors in the whole country, the contract that you closed , we sell their products in the form of loan for 6 months, one year to 1818 and two years, so part of our loans help the sales process of our own domestic products. in this regard, we unveiled a bank with a new platform called kivan krono today in the presence of the honorable minister of economy and finance affairs , which from now on, businesses and people's lives , education, travel, purchase of goods, insurance and other products will be have a good loan on this platform considering that we have a very diverse number of customers and ecosystem, we think that one of

the very good measures in the direction of the spirit of production and sales growth of knowledge-based companies and their financing of these ecosystems that we unveiled today is the first step of contacting their development. we are doing a very good boom in the field of companies and business with saderat bank, how about the employment of small businesses and pathology that we have done, many people who feel the resources, this is past haft khan rostam, the difficulties in the banking network. there is no facility to bring a guarantor marriage an example of the conditions of validation that must happen is because of this, a centralized approach has been placed in saderat bank for this issue, so that we can facilitate the receipt of facilities by the people. what is electronic for the first time in the country's banking network, as soon

as someone who exists is completely electronic as techno, which is in the hands of banks like qarz al-hasneh mehr bank and the rest of the banks to make taxi drivers completely electronically and not in person. guaranteeing facilities available to people the second doctor's appointment that exists is that we went and checked from the wing related to the portfolio of properties and assets that people have and from this as assets that are not used, for example, the shares that people have in the bonus formula, we defined the system that this people completely electronically without going to a man, going to the branches of saderat bank, without doing the smart development of samsung, or even if we have announced the validation of iran's life insurance for all of iran, all the banks of the country, and wherever there is a credit payment network , up to the country's credit payment sites. it has electronics we guarantee the credibility of these people, and if you get money in sadarat bank, god willing, it will help you

. you are only a guarantee for mr. shamsinejad's expert effects within 30 seconds. and it helps a lot to support this bank, qarz al-hasna, we have many accounts from these home funds, and we have doubled the capacity of these, and the facilities and privileges of qarz al-hasna, this means that in addition to paying from the sources of home funds and facilities we can do it according to the circulation of financial resources before us the accident capacity of qarz al-hasna will increase them so that, god willing, we will be able to increase the lending capacity of household funds in person. the point that remains at the end of your service is why it was opened today for qarz al-hasna bonds for the first time in the country , a month after the approval of the jurisprudence committee.

the stock market and having in the matter of al-hasaneh loan, but today we were able to publish al-hasaneh loan bonds in the stock market, the site is similar to depositing in the bank and the conditions of the facilities that they will receive from individuals and organizations from now on are very, very good, god willing, the best new tools in the field of al-hasaneh loan. kerman shamsi nejad the ceo of qarz al hasaneh mehr iran bank also mr. moradi reached the board of saderat bank, we hope that economic investors will finally strengthen the culture of qarz al hasaneh, in fact, the opposite of the unusual fuels of double speculation, and we

will see colonel hosni qarz al hasaneh in the country, thank you for your support. a lot of people say things, but they were not with the people. well, with their reports, there were cases of use of this student of khwarazmi. the best phone is the most important area of ​​​​retirement savings, names, strategies and horizons of the free zone. they should consume because you answer

from the first page and evaluate and judge with you. 23 in the name of allah, the most merciful, the most merciful, the most merciful, the most merciful, the terms of peace and blessings be upon sayyidna muhammad, and the most merciful, the most merciful, to all the dear people of iran, roshan alwan, and the viewers of this program, i salute you, tala , once again there was an opportunity to talk about trees,

plants, and green spaces. the almighty god has made the environment or mangroves and trees an important factor in the course of human life, in the construction of human civilization, trees and greenery, and from them, an important and fundamental foundation, plants and trees purify the air and provide food for humans. produces are both a symbol of the human soul and spirit abadani and khormi are considered the environment of human life, and many medicines needed

by humans are obtained from plants, in addition to the benefits that you see in wood, leaves, and roots, and the only benefits that you see in plants, trees, and greenery are a fundamental and important factor in human life. in addition to this, our view of trees, plants, greenery, and the environment is an epistemological and spiritual view. in addition to what was said, the view of religious knowledge is also quite popular in our literature, and the people and the thinking of this and all those who work in these

fields they talk about human issues in these fields and comment on the leaves of green trees every page of the book is alert, knowledgeable, the look is knowledgeable, that's why, in the holy law of islam, borrowing a tree and planting a sapling is one of the virtues and many traditions that distort us and encourage us to think that life-giving trees are like saplings.

we are good, in our constitution, there is a principle for the environment, which best expresses the importance of the environment, the need to address the identity of the environment , so the activities that are related to the green space, trees, plants, the environment, the forest, and the rest is done , these are religious activities or activities are revolutionary and our dear young people should not think that the issue of the environment is a matter of decoration and luxury and it is not important that it came in the east and the law.

great things can be done in the field of environment and people and young people who are active in various national services, from scientific and executive to political and social , are unfortunately in the society. which sacrifices the environment for its own personal interests there are those who destroy the nature like this, destroy the forests and mountains, destroy the pastures and trample the underground aquifers , take the underground water table into captivity.

both the officials and the people, these actually endanger the future life of mankind, which actually make the mountains a tool for iron and steel and lifting them up, building and apartment building, and these either destroy the pastures or the forests. it turns into a moser user, this is actually generations the future of mankind is being deprived of these blessings and it is in danger. of course, natural hazards and natural disasters occur in the forests because of natural disasters and fires . iran can prevent both war and wetlands and lakes. these are all natural disasters.

it exists and it can be prevented because it will cause the authorities if it doesn't and interpretation in this issue is equal to this today is not an important day to consider tree planting day and this water and everyone in the country today and always the issue of environment and green space is important within 15 seconds let's make a mini goods store, 32 shapes

and looks and selling skirts, this is the name of my store, send it it's free and all of you own an online store . dorahim delicious food and a lot of food. i want to decorate the house every moment with beyman. what's the mood? he's living with life insurance. he's on

life insurance. the name of the store of those who were free and all the interviews were online store is kala.net at 2 a.m. tehran time and dear viewers , welcome to this news section. the free distribution of seedlings has started on the occasion of natural resources week . by calling number 1504 and referring to departments of natural resources and watershed management, by receiving and then planting saplings