for services for microloans in your company , 90% will rush already in such conditions. it was not by chance that mikhail chose several important factors for his startup. kenya is closer to russia kenya, with only 50 million inhabitants, is growing at a good pace, a fairly understandable level of security. i looked that there are few competitors in this country. we can kill them and i chose kenya. for 6 years , the mobile application developed by his company was downloaded 650,000 times. and the total amount of loans amounted to 1.4 million dollars for 40% of borrowers. these are small businesses which operate on a buy-sell basis.

buy a pack to cook on the street directly quickly sell the money back, the next day or after 2-3 days, then again classes again buy something to return after 2-3 days after some turnover appears. in african countries it is important that you have the same master the first few times they will make mistakes doing ugly hairstyles, but then they get used to and start doing something more or less decent amount on credit to buy a shaving machine instead of the one what's broken and there are many clients. i did not want to lose them, so i decided to take out a loan of 5,000 shillings. returned 5.500. it doesn't matter to me what country the guy who founded the microloan company is from, it's important that it helped

me to continue working and lose profit. he probably didn't hear. well, such criticisms, like, here he comes, a smart russian makes money on poor africans, and moreover, most often comments from russians. this is a sharply negative remark up to negative wishes. i hope you have here uh, shoot. hope you are here and finish because africa is a tough country and you must end badly because you are doing something not very legal. it is, of course, not so in our case, we work under the license of the central bank

, girls sit here who make part of the credit decisions, while for the most part they do not make robots and part of the decision. well, for the time being we are still accepting through the operator girls who have the ability to calculate. the default rate in kenya is quite comparable with russia up to 20%, which is the norm for such a loan product, contrary to most africans have stereotypes, the payment discipline of a collector's girl. uh, girls know how to collect debts from borrowers who only have to pay the first days, but for some reason have forgotten. they communicate quite neatly with borrowers

who are chronically non-paying. yourself you generally do not occur in a rather aggressive manipulative manner. you are blacklisted and you will never get a loan again. trust me i wish you a good evening and tomorrow until 12:00 so that the money will be returned to businesses in africa with the russian realities of the nineties many opportunities, but also many risks . once his office was robbed by intruders, they took out equipment worth 10,000 dollars. i am denisova, together with alfa-bank, we will distribute 100 million rubles. entrepreneurs across the country money will get the best stories. tell us about your business at alpha-bank.ru in the world of hundreds

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in uralsib, we know that prospects are where they feel, where they are expected. where they love.

there are prospects, and with uralsib bank they become reality uralsi prospects where you are to to have super profits, therefore, you can collect a little more money from it, and therefore whites and visitors often become victims of the crime that i am perceived as an atm on legs, that is, a source of money. you just need to pick the right code cipher the right words. well, i'm used to this attitude towards whites, this is the consequences of the era of colonialism with france, the representatives

of france was a one-wicket game. just theft of resources in many cases, not always, but often they expect from the russians. eh, something else. that is, they have such expectations, somewhere we have their expectations. maybe we'll cheat. it's impossible to cover everything. somewhere we their expectations somewhere even exceed to us a lot, where is treated well? the only thing, probably, in ah, if it is a colony, for example, a former colony of britain, yes, then , well, they appear quietly and begin to tighten some kind of screws, because relations with the metropolis remain, uh, but somewhere they completely not illusory control the whole ministries. sometimes, it gets tricky. to for example, open a checking account. if it is an ethnic russian, even if you express this country, where it is not everywhere, but in some countries. well, nevertheless, there will always be this africa, you can agree on the trend of the last few years, which michael fixes despite all these nuances. many investors from russia began to look more closely at africa , if two or three years ago they were still twisting their fingers and literally

saying that yes, i’d rather give money there to the moon sent on a rocket than give it to you, because you have all the theft in africa, bribes and so on now, well, it has changed dramatically. now there are already quite large funds, not small funds, where there are quite large russian funds for 5-10 million dollars are interested in investing in the region and directly. they talk about it, large state organizations, large banks. i, too, are talking about this, various large holdings and not just saying, yes, well, they are actually making some attempts, well, they are afraid of course, because i still don’t understand the geography of the region, they don’t rummage geopolitics either. well, there's nothing wrong with time. u will understand be useful to africa. what projects can become the basis of our economic relations in the near future? only 54% of the african population has access to electricity. this means that about 700 million people

do not have access to electricity at all. in this regard, russia can provide a huge service to africa, because it is in the field of energy development. we occupy leading positions in the world. the second important area is transport. this is the construction of roads, e railway lines. and what is very important for us. uh, also build ports upgrade them. we have such an opportunity. this will be profitable for us, because we will get new points of entry for our ships, which is extremely important for us. this is what the africans need, and a very important area of ​​our cooperation is agriculture. we africans must, uh, not relatively speaking, not give a fish, but a fishing rod, we must transfer technology to them, uh, and the cultivation of plants. eniy and the rearing of livestock, which we used very well at home , starting in the fourteenth year in africa, there are all the possibilities to raise both three and

four harvests a year. there are absolutely unique soils there are unique klinmy. more than half the population of malawi, approximately 10 million people live below the poverty line. this is despite the fact that the country has a huge resource. here is a very fertile land since the british rule malawi is a traditionally agrarian state. 90% of the country's economy is concentrated on agriculture. sugar cane, esr, tobacco, tapioca corn, they are grown to feed themselves and try to earn money. this is my house, come in. this is my children's room. the children's bedroom in the house. farmer. they shoes hang on nails. it should be higher so that the mice do not gnaw, two beds above them are mosquito nets instead of a nightstand a box of soda. here i am, this is my

wife and another friend. limani's family of six people all get up early in the morning and go to work in the fields , growing soybean corn and tobacco on a seemingly vast six hectares. meter by meter you have to weed each bed to care for such a large crop, which is literally vital. this is a huge job. the only thing that can help is fertilizer. the amount of fertilizer that is consumed in africa one of the lowest in the world, they consume 50 million tons of monotony. all africa consumes per year. i have less than 10 million tons, you understand, that is, this market. and we just have this industry developed extremely well. the other day farmer bili

received russian-made fertilizer. these fertilizers from this directly depends on the crop means, and how much my family and the eu. we can earn. you see, without fertilizers , the crop will be less by a third with fertilizers by a third more and faster 30% you see, it is a matter of survival these fertilizers of the uralchem ​​group uralkali charitable aid from the russian african republic humanitarian mission. they have been waiting here for a long time. here, after all , the old absolute story is about how much of the earth's population can be fed naturally. and how much with the use of fertilizers africa has long been on the threshold, and a big ah such a cougar associated with uh high

population growth with high fertility and the african population and especially the poor countries. this specificity is quite young, therefore, in africa the problem of food security and provision, but with its own resources for the production of food. this colossal problem speaks with gratitude of the scale of the russian charitable mission. these fertilizers are intended for 400,000 households and most of them will be used in the fields, but a significant part will also go to irrigation projects. we have many farmers. literally in every village. we have farmers and, accordingly, fertilizers too the irrigation projects that minister dali is talking about will be used everywhere. is this perhaps the most important part

of the agricultural infrastructure, when you need to water plantations of hundreds and thousands of hectares. in this place, sugar cane is grown. we take water directly from the lake. it is located six kilometers from this place, we fill temporary tanks. and only then we water our fields. fertilizers are immediately mixed with water to pumping stations and further through the pipes they are saturated with essential minerals and vitamins to various crops from here. we control 2,000 hectares of sugar cane. m fields directly from this place, and in total there are 7.000 hectares of land, which are now fully planted. russian fertilizers have been waiting here for several

months for their line. miguel zhanga, the operations director of the port of the city of beira, tells how the unloading is going. unloading is proceeding as planned. we have three positions for unloading and a large number of trucks to transfer them to warehouses, moreover , a batch of 20,000 tons was repacked by hand . should have been bagged by 50 kg, suitable railways to deliver this cargo between beyere and the capital well done no all these bags. it was necessary to send trucks from one point to another almost 2,000 km. on not the best african roads, this warehouse is the final point before being sent by the farmer. we have received fertilizer and now we will ship it all over the country from the north to the south, right now we are already shipping more than 8,000 tons, and all of them will turn out. farmers. we were preparing to send fertilizers

to consumers as soon as possible, of course. so uralchem says we don't just substitute fertilizer. we are creating special training programs for farmers, including using online technologies for the correct application of these fertilizers. moreover, they are considering the possibility of building factories for the production of fertilizers from local raw materials on the territory of the african continent. you see, this is the approach, that is, you need to feed africa, give it electricity. this is the most. the main thing that we can do, of course, is cooperation in the oil and gas sector for us africa today in the oil and gas sector, in fact, is a competitor, and we need to turn africa into a partner. because if we proceed from a common position , formulating our oil policy, and hmm, the formation of a pricing policy.

it will be beneficial for both us and africa the sea gates of the republic of the congo here in the city center in the lukoil office there are 15 employees seven are citizens of the congo eight russians a year and a half ago lev vaganov was responsible for designing oil field developments in western siberia but to i got used to the specifics of the african project marine 12 quickly. for example, if we deviate from the production plan, then we analyze the data that we have on the wells. e, we propose to the operator measures to achieve this level of production, for example, last year in addition to the planned event, and together with the operator we discussed and implemented a program of acid treatments at the wells, which allowed us to receive an additional increase in production to

compensate. e losses that were caused by delays in drilling from relocation drilling platforms and so on, lukoil came to the congo in the nineteenth year, having bought 25% of the marine 12 block in the offshore project from a british company, 60% belongs to the operator of the italian yen, another 10% of the state csps within the marine 12 offshore area with an area of ​​​​about 600 m². four deposits have been discovered. over 1 million tons of oil and condensate and more than 1.5 billion cubic meters of gas are produced here. there are plans to increase the figures, including through the construction of floating plants for the production of st. petersburg in the process of implementation. uh projects, lng we we will put into operation new deposits and new deposits.

annual production for liquid hydrocarbons will increase to uh 1 million 700,000 tons and for gas, uh, up to 5.5 billion a year, hora will start lng deliveries already in december, by 2025 lukoil plans to invest almost 2 billion dollars in marine 12 for today , about 1 billion has already been invested in this project, the interests of the russian company are not limited , another joint venture will be created, which will be engaged in the production of hydrocarbons in another area according to the application that we submitted together with the company at marine 24 and marine 31, lukoil's share is 43%, and today we are in the process of discussing the final terms of the commercial terms of these applications, many of the ministers of the current government of the republic of the congo studied at

russian universities. this is the head of the ministry of foreign affairs of the ministry of defense and the ministry of health, thanks to this, russia is read here as a reliable partner and interested in cooperation. cooperation between i konga has deep roots and has been going on for a very long time . lukoil is represented here by important projects. we are pleased with this partnership and see many options for joint development in the future. lukoil can become an operator . that is, the main company in the consortium and this status will give the russian oil giant new opportunities to work in the congo. crude oil exports among african states gives us. naturally , the opportunity for growth and the acquisition of new competencies for our employees. this gives us the opportunity to position our company on the territory of the republic of the congo as a serious

player and also provides an opportunity to attract both representatives of the russian federation and some equipment. new projects will expand cooperation between the two countries, which have been actively developing over the past 15 years , we will start from the eighteenth year for several years in a row. uh to millions of dollars and uh in the 21st century, he amounted to 100 22, if i'm not mistaken, a million dollars - this is the fourteenth place, and in africa, taking into account the fact that the congo is a relatively small country, the population does not exceed, uh,

six million people. lukoil is so far the only company from our country that operates on the territory of the conga, this example attracts large russian business, which today is actively looking for new markets , says georgy chepek, ambassador to russia in the republic of the congo due to sexuality, the area was crushed from the prospect of exporting to the democratic republic of konda. and now, at this stage , we will agree on, and the draft intergovernmental agreement is an important project. now he is working on subsidiaries of the state corporation rusatom. ah. rasul is the creation of a micro power plant network if

implemented. or can it provide electricity generation comparable to the current volume of generation? strategic partnership at the state level allows russian companies to work effectively in africa in our country trust on this complex issues are most often resolved quickly and efficiently lukoil operates in a number of african countries. ah. this is nigeria ghana congo and the camera is also at the moment. and we naturally consider new opportunities and when such opportunities appear. we, of course, carry out a technical commercial evaluation of these opportunities, and we are interested in negotiations on the implementation of such plants. in the presence

of lukoil, together with partners, the company is now considering the possibility of placing floating production plants, st. petersburg on the shelf of cameroon in the plans and the development of the hydrocarbon market in other countries of the continents, including those where the place has never been developed before. lukoil is ready to be a pioneer the partnership between russia and african countries has acquired additional momentum and is reaching a qualitatively new level , president vladimir putin also noted this in his speech at the international parliamentary conference. russia africa in the multipolar world has repeatedly said that our country is firmly set and continue to line up with african friends. in the full sense of the word, a strategic partnership. we are ready to jointly shape

the global agenda, work together to strengthen fair and equitable interstate relations and improve mechanisms for mutually beneficial economic cooperation. thanks to our assistance , many industrial enterprises have been built on the continent, entire industries have been created , vital infrastructure and social facilities have been built, while russia wrote debts to african state in the amount of more than twenty billion dollars following the results of last year , russia's trade with the american countries. reached almost $18 billion. by 2030 , these figures can be doubled.

irina vina accepts congratulations, the surname viner is in english the winners,

it seems, from above, such a surname is given just like that and everything is given from above iron ladies of rhythmic gymnastics. this is the most sacrificial one, you know, the coach of champions gives energy. how much love? she says a very strong woman. i know, how much has fallen to your lot in life and head heart and love. the winner is always the more you have the patience of obedient students, so that they trust you the most important thing. of life on the russia channel

in st. petersburg, the russia-africa summit starts , despite the unprecedented pressure from the west , 49 delegates from all 54 independent countries of the continent will take part in it by an absolute majority. this, first of all, speaks of the political will of africa, according to vladimir putin, the region today is becoming one of the poles of the multipolar world and russia, in its turn will help the african state to strengthen the sovereignty in the run-up to the opening of the form.