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Obstacles central loan and the possibilities of implementation
6/11/2016 0:00
[rtl] Mohammed Sharif Abu Mayssam
since September 2015 and the statements did not stop on the launch of the Central Bank for banks specialized loan, as the Central announced his intention to give each of the agricultural and industrial banks amount trillion and 666 billion dinars for each ofthem in order to support the real sector and stimulate the market to reduce import and provide more opportunities work in the private sector.
the continued case replete with statements, seminars and meetings over the past few months, pending the launch of electronically those loans to limit the methods ofcorruption, even a bear despair in the hearts of a lot of industrial and agricultural , who were waiting to get support.
then escalated the pace of work and cooperation between the parties involved in this development project and varied enthusiasm ratios between this party and that, depending on the seriousness of attitudes and beliefs that believe in the sanctity of the service in this country, or self - benefit and climbing on the expense of public interest.
it was inevitable that the launch of the granting of these loans electronically, as the time passes and the balance of payments in the decline in the general revenue account as aresult of lower oil prices and the rise in the war on terror and the real sectors of theexpenses are still bound rates and sell the dollar at the central bank auction returned to escalate despite the application of the tariff law and the country is suffering financial hardship, it was not necessary to accelerate the launch of these loans.
the cabinet recently launched what he called the program the electronic agricultural, industrial and residential loans, and we all hope that culminate sincere efforts of those incharge of this project a success and is working e - Form , which will put an end to theinfluence of spoilers and their associates commentators and gangs to block execution oftransactions and extort their owners, as well as follow - up transactions for projects phantom inside the circles gangs accordance with the laws and regulations that fluent domesticated powerful individuals sat at meat on this or that of the characters of thewindow powers.
we are about a new reality in which the faithful trying to change the performance path in the ring lending is backed by the state, and to try directing mechanisms fair to serve thecountry and the people, and this reality will not be easy though from the introduction oftechnologies in the implementation of the course promotion of treatment, starting with thesurvival of some of the episodes implementation grant the loan immune from theelectronic mechanisms such committees rings detected on the project, and disclosure ofthe guarantees, evaluated and dates of payments exchange and evaluation of feasibility studies , which will bring the borrower to sway and influence with the command staff and their masters, as well as the mystery that surrounds the granting of these loans to the employees of these institutions and who are wondering until the moment all the stages ofimplementation and the mechanisms to deal with the electronic form and means ofassessing the feasibility studies of large and medium-sized projects mechanisms, if we know that small business loans that could be worth about 500 million dinars.
these amounts are did not fall within the instructions assess the costs of equipment productivity to be purchased, the assessment would be extremely difficult without feasibility studies rely on lists of prices of accredited processing, and therefore, it Seoul to mood and the degree of the integrity of those in charge of granting the loan, as well as the SME loans will range amounts between 500 million to less than 3 billion dinars ,while the amounts are up large projects than three billion loans to about 20 billion dinars, and all these industrial loans was the mother of agricultural need real guarantees for documented even if the estimated value of the project is made to ensure that half of theloan amount , as they say, let alone wait circulated by the Ministry of Justice on the real estate departments Date its letter 5 \ 6 \ 2 \ 11915 \ m in the 28 \ 10 \ 2015 and applicable until the moment, which are attributed whereby the patient in promoting agricultural and industrial loans in excess of $ 100 million mortgage transactions, which means the implementation grant these loans that exceed the amounts total , $ 100 million will collide with the lack of guarantees that can be documented by means disabling the implementation of the granting of these loans, which is very strange, to be the work of one of the ministries on the opposite of the course and direction of theCouncil of Ministers path, as it is these simultaneous instructions with the introduction ofthis important development project is justified too are not in line with government orientations aimed to stimulate economic development in the country.
the introduction of this development project into practice style electronic work is a step very important to initiate serious programs promote the country's economic tyranny over exclusion and marginalization of parasites corruption and direct spending, but the lesson in execution, as the data the implementation of this project from the outset does not bode seriously and enthusiasm by which to overcome the obstacles that can breed for implementation , especially since each new experience is often lined with disabilities in its infancy, what experience alone generate parasites amid corruption that grew and proliferated under the influence of the beneficiaries of them.[/rtl]
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