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The weakness of purchasing power in cash .. the culmination of Commerce installment sales
15/07/2015
Abu Karrar (an employee of the Ministry of Industry) lived the problem of how to get some household needs, which does not allow his financial situation purchased. Especially those related to daily life. But his neighbor and his friend told him that Maytham easy solution there Society sells installments and required only bring a book support of a circuit that operates in favor of bringing you continue to work with the four comic archives for any merchandise you want, and shopping and naturally. Abu Karrar was surprised when he saw Assembly building, which includes all kinds of electrical appliances, furniture and other cars and even monthly installments spread to more than (24) months or more. This option shoveled concern about Abe Karrar private house that need air conditioning, pay him after a simple introduction does not exceed (10%) or also known as the first installment.
A large variation in prices
Shaima Daham (an employee in the Ministry of Health) indicated that the purchase of essential household articles of associations come because of the lack of purchasing power in cash and that the trend towards scattered societies, which currently sells for all citizens and contributed significantly to the provision of the necessary widgets for the home. She explains that she developed for this purpose a monthly budget from which to pay the monthly installment. Referring to the price disparity is little between the purchase in cash or in installments.
Mobile phones
Citizen (Mohammed awkward) explains that shopping from associations in the present time it has to be an option, especially since the family was a real need for some of the necessary materials. Indicating that the purchase in installments is normal because of the physical situation for many families, both working in government departments or the private sector. Afterthought: Although some level widgets loaded up to 100%, but the unavoidable so special smart mobile phones, and therefore to the large demand for them.
Determining interest rate
About the importance of cooperative societies that have spread from the back of what they offer solutions to some people especially low income economic expert says d. Morteza Hussein's (the extent) that the old idea of setting up cooperative societies have succeeded in Iraq inception residential and consumer of all kinds since the seventies. Mstrsla: Because of the current economic conditions, these associations have returned to the forefront, for most of the ministries and bodies in agreement with the association and installment sales for its employees.
And he called for an economist to be a regulated market for this successful experience with the importance of taking into account the low-income circumstances. As well as the need to be suitable for everyone and that the interest rate ranging from 2025% max so that everyone enjoys comfortable.
Exploitation conditions
Abdul Qadir Saleh (Taxi Driver) explains that increasing numbers of sales associations in installments due to the need of a lot of people and household electric appliances, and the unstable economic situation to them. Which forces them to bow and accept the specific requirements of associations and high rates of interest on the devices. Explained that a lot of these associations doubled the price of the goods, for example, we find the price of home furnishings sold in the market value of not more than one million dinars while we see in the association sold more than one million nine hundred thousand and exploit this to the need of low-income owners of private citizens. Wondering: What is the point of call premiums and comfortable provider and buy a much larger proportion of the value of the goods in cash dividends.
Eid Gifts installments
Eid concerns are many and varied for the poor, especially children, clothes and some of what is associated with the holiday. Citizen (Abbas Khudair) father of four children spotted (range) pregnant Eid clothes for his family. He explained that the feast has become livery sold in installments because of the difficult financial situation, which passes on the country. Afterthought: he bought clothes for his children in the amount of 125 000 dinars to pay 25 thousand of them and the rest is paid off monthly. He pointed out that it is normal for many families.
State sells in installments
For its part, the General Company for Electrical Industries / Waziriya announced one of the Ministry of Industry and Minerals for the start of a new evolution in their work through the implementation of all its contracts and obligations with the Ministry of Electricity and its quest for new contracts. The general director of the company Engineer Mohammed Mossadegh Jaafar in a press statement: that the contracts mentioned included the Ministry of processing power product strategy for the company Kalkiuskat and transformers all kinds of Siemens and Astor (Waziriya) and Albolrat at a time when the company suffered from a lack of appetite for other products from Alheitrut and refrigerators, water filtration and devices air conditioning and Sblt kinds due to prevent their purchase under a single federal budget for 2013, the terms of what necessitated that the company is heading to Circular on the ministry's public companies the possibility of employees of the ministry companies these products processing according to the principle of selling in installments over 12 months and without downloads administrative explaining that the company afford to rate (50) percent of the total amount of the salaries of its staff's (4000) member of Marketing requires large amounts of the company can not be achieved unless it is to provide the necessary support to them and give them wider powers.
Pros and cons
Mohammed Jassim (Lord of the family) in order to market to buy some of the needs of the feast shows that the joy of the feast is no longer as it was in ancient times, everything has changed and as you can see we buy holiday supplies in installments because a large burden, especially after sapped the month of Ramadan every family's budget. Following up: that the idea of installment sale an old idea, but it has expanded in the present time and in a very large, a phenomenon that has its negatives and positives affecting the citizens and the economy deteriorating and the different offers and sales operations, which has become known as the language of trade and made the winning installment sales. Stressing that traders invented to make flattering deals and installment sales, which impressed a lot of people.
The advance and the government
Economic expert Abdul Aziz Hassoun explained that most state employees in the seventies and eighties was their marriage through government and installment advance through cooperative associations known mostly government. But now this trade activity difficult economic circumstances experienced by citizens has increased, pointing to the absence of legal business at the present time create many problems that are reflected on the citizen.
Marriages in installments!
Baghdad and the rest of the provinces saw sales centers in installments spread among a large turnout by the population, especially government officials. And some citizens from low-income owners.
Ahmed Fahmy (Director of the Consumer Association) sells installments says: We started to work for almost four years. Stressing that most of the customers who buy or grooms installments are due to the nature of the requests and change the living conditions of life. Adding that most of the customers of the Assembly staff layer for easy availability of financial security.
Young and Sam Abdul Aziz that the draft marriage between Pat difficulties of life in the face of rising everything, adding: But the associations and installment sales may give us a step towards the possibility of the completion of the marriage ceremony and the requirements of the bride's family. Which are sometimes exaggerated.
The school (and harmony Jaafar) has talked about among its previously described: that the presence of these associations in the past, the subsidy to the employee because it is backed by the state. And it was working under the supervision of the Federation of cooperation. But, unfortunately, that many of them now working on the exploitation of the employee and the need for some people widgets. Asserting that some of the private associations put impossible conditions on the part of very high interest rate.
He also gold
Abu Ziad (good jewelry shop owner) says, in the fourth installment sales recently arrived to replace gold jewelry because of the recession that we experience from time to time. Noting: the sale is only for friends and customers sponsored by Agherabaihm or their relatives.
Full Rim (an employee on the verge of marriage) with her older sister escorted the customer when the permanent jewelry goodness, where to buy guaranteed by the border of gold price, which reached nearly 4 million dinars, of which 500 000 dinars each month after paying million dinars in advance. Where it says: it forced us to this because of the current situation My husband is also an employee, so we decided to have the salary of one of us to live and the other for the payment of premiums marriage requirements. Msttrdp: that housing will be in his parents' house on the second floor of the house and independently until completion of payment of installments and the search for housing, wishing that there will be a private association in this regard.
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15/07/2015
Abu Karrar (an employee of the Ministry of Industry) lived the problem of how to get some household needs, which does not allow his financial situation purchased. Especially those related to daily life. But his neighbor and his friend told him that Maytham easy solution there Society sells installments and required only bring a book support of a circuit that operates in favor of bringing you continue to work with the four comic archives for any merchandise you want, and shopping and naturally. Abu Karrar was surprised when he saw Assembly building, which includes all kinds of electrical appliances, furniture and other cars and even monthly installments spread to more than (24) months or more. This option shoveled concern about Abe Karrar private house that need air conditioning, pay him after a simple introduction does not exceed (10%) or also known as the first installment.
A large variation in prices
Shaima Daham (an employee in the Ministry of Health) indicated that the purchase of essential household articles of associations come because of the lack of purchasing power in cash and that the trend towards scattered societies, which currently sells for all citizens and contributed significantly to the provision of the necessary widgets for the home. She explains that she developed for this purpose a monthly budget from which to pay the monthly installment. Referring to the price disparity is little between the purchase in cash or in installments.
Mobile phones
Citizen (Mohammed awkward) explains that shopping from associations in the present time it has to be an option, especially since the family was a real need for some of the necessary materials. Indicating that the purchase in installments is normal because of the physical situation for many families, both working in government departments or the private sector. Afterthought: Although some level widgets loaded up to 100%, but the unavoidable so special smart mobile phones, and therefore to the large demand for them.
Determining interest rate
About the importance of cooperative societies that have spread from the back of what they offer solutions to some people especially low income economic expert says d. Morteza Hussein's (the extent) that the old idea of setting up cooperative societies have succeeded in Iraq inception residential and consumer of all kinds since the seventies. Mstrsla: Because of the current economic conditions, these associations have returned to the forefront, for most of the ministries and bodies in agreement with the association and installment sales for its employees.
And he called for an economist to be a regulated market for this successful experience with the importance of taking into account the low-income circumstances. As well as the need to be suitable for everyone and that the interest rate ranging from 2025% max so that everyone enjoys comfortable.
Exploitation conditions
Abdul Qadir Saleh (Taxi Driver) explains that increasing numbers of sales associations in installments due to the need of a lot of people and household electric appliances, and the unstable economic situation to them. Which forces them to bow and accept the specific requirements of associations and high rates of interest on the devices. Explained that a lot of these associations doubled the price of the goods, for example, we find the price of home furnishings sold in the market value of not more than one million dinars while we see in the association sold more than one million nine hundred thousand and exploit this to the need of low-income owners of private citizens. Wondering: What is the point of call premiums and comfortable provider and buy a much larger proportion of the value of the goods in cash dividends.
Eid Gifts installments
Eid concerns are many and varied for the poor, especially children, clothes and some of what is associated with the holiday. Citizen (Abbas Khudair) father of four children spotted (range) pregnant Eid clothes for his family. He explained that the feast has become livery sold in installments because of the difficult financial situation, which passes on the country. Afterthought: he bought clothes for his children in the amount of 125 000 dinars to pay 25 thousand of them and the rest is paid off monthly. He pointed out that it is normal for many families.
State sells in installments
For its part, the General Company for Electrical Industries / Waziriya announced one of the Ministry of Industry and Minerals for the start of a new evolution in their work through the implementation of all its contracts and obligations with the Ministry of Electricity and its quest for new contracts. The general director of the company Engineer Mohammed Mossadegh Jaafar in a press statement: that the contracts mentioned included the Ministry of processing power product strategy for the company Kalkiuskat and transformers all kinds of Siemens and Astor (Waziriya) and Albolrat at a time when the company suffered from a lack of appetite for other products from Alheitrut and refrigerators, water filtration and devices air conditioning and Sblt kinds due to prevent their purchase under a single federal budget for 2013, the terms of what necessitated that the company is heading to Circular on the ministry's public companies the possibility of employees of the ministry companies these products processing according to the principle of selling in installments over 12 months and without downloads administrative explaining that the company afford to rate (50) percent of the total amount of the salaries of its staff's (4000) member of Marketing requires large amounts of the company can not be achieved unless it is to provide the necessary support to them and give them wider powers.
Pros and cons
Mohammed Jassim (Lord of the family) in order to market to buy some of the needs of the feast shows that the joy of the feast is no longer as it was in ancient times, everything has changed and as you can see we buy holiday supplies in installments because a large burden, especially after sapped the month of Ramadan every family's budget. Following up: that the idea of installment sale an old idea, but it has expanded in the present time and in a very large, a phenomenon that has its negatives and positives affecting the citizens and the economy deteriorating and the different offers and sales operations, which has become known as the language of trade and made the winning installment sales. Stressing that traders invented to make flattering deals and installment sales, which impressed a lot of people.
The advance and the government
Economic expert Abdul Aziz Hassoun explained that most state employees in the seventies and eighties was their marriage through government and installment advance through cooperative associations known mostly government. But now this trade activity difficult economic circumstances experienced by citizens has increased, pointing to the absence of legal business at the present time create many problems that are reflected on the citizen.
Marriages in installments!
Baghdad and the rest of the provinces saw sales centers in installments spread among a large turnout by the population, especially government officials. And some citizens from low-income owners.
Ahmed Fahmy (Director of the Consumer Association) sells installments says: We started to work for almost four years. Stressing that most of the customers who buy or grooms installments are due to the nature of the requests and change the living conditions of life. Adding that most of the customers of the Assembly staff layer for easy availability of financial security.
Young and Sam Abdul Aziz that the draft marriage between Pat difficulties of life in the face of rising everything, adding: But the associations and installment sales may give us a step towards the possibility of the completion of the marriage ceremony and the requirements of the bride's family. Which are sometimes exaggerated.
The school (and harmony Jaafar) has talked about among its previously described: that the presence of these associations in the past, the subsidy to the employee because it is backed by the state. And it was working under the supervision of the Federation of cooperation. But, unfortunately, that many of them now working on the exploitation of the employee and the need for some people widgets. Asserting that some of the private associations put impossible conditions on the part of very high interest rate.
He also gold
Abu Ziad (good jewelry shop owner) says, in the fourth installment sales recently arrived to replace gold jewelry because of the recession that we experience from time to time. Noting: the sale is only for friends and customers sponsored by Agherabaihm or their relatives.
Full Rim (an employee on the verge of marriage) with her older sister escorted the customer when the permanent jewelry goodness, where to buy guaranteed by the border of gold price, which reached nearly 4 million dinars, of which 500 000 dinars each month after paying million dinars in advance. Where it says: it forced us to this because of the current situation My husband is also an employee, so we decided to have the salary of one of us to live and the other for the payment of premiums marriage requirements. Msttrdp: that housing will be in his parents' house on the second floor of the house and independently until completion of payment of installments and the search for housing, wishing that there will be a private association in this regard.
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