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small loans may lift المكبلين unemployment, there are some institutions that grant loans simple may not exceed (1000) dollars, and the borrower does not need to sponsor a government, all you need is to sign a small promissory note certified by a notary to prove receipt of payment. With these words began to Mohammed al-Moussawi talking, explaining, that most of these institutions has been to encourage borrowers to invest their money properly protect them certain conditions are prohibitive imposed by government financial institutions, but, unfortunately, has allowed such activity opportunity for the faint of the souls of المتصيدين in troubled waters to exploit such projects Under the slogan "the poor pay loan scourge" and therefore was prohibitive conditions governmental greatest credit for the spread of such institutions that stands between مصراعي the truth and suspicion for clients with them. small loan ... Generates a lot
has emerged in Iraq during the past eight years, institutions and organizations, microfinance, and includes Iraq 12 Foundation funding in the form of non-governmental organizations working in all governorates of Iraq, has made these institutions a large volume of lending and deeper in the geographic reach to deliver services to the poor and women to achieve liquidity financial, economic and job creation for which borrowers can not overlook the some delusional institutions that collected amounts people سحتا the haram and crooked ways, then absent from grabbing attention and travel to neighboring countries without anyone asking: Where did you get this? And how Jmotaih? And in any way deflated profiteers of the Iraqi people? And yet is still a lot of questions being raised about the fact that the projects that Salt has the same exploit people's need ways known and commonly disguised under the banner of human Nabil is: lending to the poor!
investments erroneous
says Mohammed Murtaza, the owner of shops Ndavh saying: There are several reasons were behind the temerity lot of people invest their money the wrong way: the first is ignorance almost complete laws and procedures, the second destitution and humiliation which leads many borrowers into the abyss, the import rushed Bandthar some professions as a result of the cheap prices of imported products and fits with the needs and per capita income simple, in addition to maximum speed in industry, was the ideal solution for many of us is to take all avenues to promote local products, who hails days after the last to fall as a result, it was for Ndavh best chance to do so, has prompted me to borrow, and that's what knocked me to the ground and sat me on the rug Ahmadi, as they say, and ended me up to be owed amounts huge financial result of the benefits that it has imposed on those institutions for not Tsudaida premiums on time, have compelled me of this fact to the sale of shops and pay the amounts accrued, and thus were those loans curse pushed many of us to the edge of the abyss as a result misuse.
institutions phantom
The 'Alaa al-Bayati, who groan pain he talks about Gore those institutions, saying: There are new victims of phantom companies that Salt itself to exploit people's need. Most of these institutions are still reviewing its services untapped Oz citizens and their need because there is no radical solutions to the dominance and widespread poverty in Iraq, and this has created many opportunities for weak people to broadcast their venom into the body of the poor creaking originally, and easy to command اصطيادهم easily and conveniently, and among these one of my friends who still mourn his luck a thousand times a day, he gave an amount for a working in those institutions against facilitating affairs, and it turns out to him afterwards that that person was involved in the plot of the caliber and his real lies in the theft of money of the poor using مستمسكاتهم official that they offer to take over the loan, explains al-Bayati not for complacency regulators and the lack of role of government in ensuring the health and the fact that the work of these institutions and their representatives When he arrived as to what it is bad.
sponsor the first affected
Fear evil than did well to him, "With these words began to Iyad a staff of government departments speech, blaming himself First, and regret a thousand times for his work good under the circumstances intractable that drained the private sectors at the hands of scammers saying: intentions bad must be present in a society flipped the scales, and multiplied the devious methods and rampant where gimmicks and tricks and greed, and thus the opportunities opportunity very weak souls to burn Green باليابس, which led to a decline in confidence in the hearts of a lot of people to do good. that what motivates me to say it is that I was surprised by the book warning prompt me of the legal department require me to pay the amount borrowed a contact because I've Pkvalth, and I ended up with a salary cut by 50 percent in pleased with the borrower himself to enjoy the money, has fallen prey to circumvent and ingratitude, and the champion of all tales circumvent overconfidence people and Taibtna known to us as Iraqis, as well as the nature of the lending procedures that need to sponsor the guarantor and the borrower may be Taala the law.
fraud sweep institutions profitability
selfish interests on What seems to drive many towards fraud even if the consequences and consequences, that's what he talked about one loan officers in non-governmental institutions, Haider Ali, saying: if non-governmental institutions are not much different from the government institutions that are exposed to fraud and in every possible way, and despite the precautionary measures taken by all institutions, but the complacency in the selection of the borrower toppled many loan officers falling into Alastgval, and asserts that there are some borrowers who Tlkúa the payment process, and it turned out afterwards that the sponsor is involved in the cooperation with them when they take legal action, then it lapses inflict losses organizers of those projects, and can not overlook the presence of many thousands of transactions that have been promoted, carrying seals of government departments, mostly may be forged, and the cases brought upon it the other is not sufficient because the law is inherently does not protect dupes nor restores the right of the oppressed easily, and this is the slogan most common In most institutions, governmental and non-governmental organizations.
corruption in the corruption
says one loan officers, and they slice of civilian staff oversees the completion of loans, on condition of anonymity, said: that corruption can have a foothold in any spot and an inch in Iraq, ranging from government institutions and down Non-governmental organizations. Although activity relentless institutions integrity and oversight in those institutions, but the failure is often is the result of the presence of some loan officers who are trying to blackmail the borrowers to pay additional amounts by taking advantage of this need citizen urgent for money, and is responsible role loan fraud in delay pay premiums imposed on the borrower according to the limitations and conditions, and stresses .. began this role is unclear features more after receiving complaints from many people who are exposed to such things by some loan officers, have taken a lot of precautionary measures, including that are delivered amounts borrowed directly to the banks that deal with those institutions, in order to avoid such problems, not to mention the deterrent measures taken by the management of those institutions against violators of its employees.
loan poor
says Jassim Mohammed, one of the officials of those institutions, that this slogan carries a lot of meanings, these institutions aim is basically helping the poor by giving them small loans to sustain their own new, or for the development of previous projects in order to expand and benefit from better, and the objectives of the basic institutions is to create job opportunities for citizens to provide small loans to categories of low-income, to provide sustained support for these projects versus simplified procedures Instead of government action complex, some complicated procedures pay most of the citizens to resort to those institutions to the ease and simplicity of procedures that may sometimes up to pledge only, and may be the sole guarantor government employee who admits to bear all the legal consequences in case of violation of the borrower, making it the guarantor binding in payment under the terms of the loan as is the "guarantor of the payment." confirms Mohammed lack of governmental role in the establishment of such institutions, but the role of the basis for the adoption of such projects are donor countries, as well as the prominent role of municipal councils and actress Brasaúha for the success of such
projects.
problem of usury
reference Religious Sheikh Adi الاعسم said "morning": that of the condition to pay the increase in kind without participating lender the borrower in the loss and profit are exotic and included in usury, but if you dropped this increase in kind imposed by some institutions ended the problem, and confirms الاعسم that usury is usually arises in two cases the first treatment and the second loan فمحل witness here is a loan, where he became the loan from the necessities of life, because the man in Oz continues, was narrated from the Messenger of Allah (r) "from lent insured loan is expected by the affordable was his money in Zakat and he was in prayer Angels even play him, "Believe the Messenger of Allah (r)
and adds الاعسم that justifications usurious old and new is not convincing at all, the problem is not here, what would happen if they with to bear the loss and profit together? And if this condition is calculated to him was the fittest of the company and the lender and the borrower, but invoked in this matter is the same usurious who says I اقرضه so benefited and use financial elsewhere, these are just excuses and that Muharram is the weakening of the worker and exponentially to the dealer, as well as those who want to deepen this usury outright, and the sanctity of usury fixed in explicit verses of the Quran and agree Sunnah He said the faithful (p) "The Messenger of Allah usury and eat and client and vendor and buyer and writer and he saw" explains الاعسم shall be Othot here and taken action precautionary not I can Abt and say it's analyst, believes that there are other companies contribute in the areas through which you can rationalize borrowers, and therefore most in need of this country to such
things.
questions final
what reasons lie behind the spread of such projects, which allowed for many المتصيدين in troubled waters chance lure a lot of people and get them to pay bribes are soft and do not know the sources whether it is halal or haram? Is it not feasible that there will be regulators take on the task of clarification of the distinction between legal institutions and institutions with titles unknown, which is not established according to official controls and legal, but in ways that crooked, that the proliferation of such institutions illegal harm and affect the reputation of other institutions, does not guarantee the implementation of the any future projects accurately and efficiently, but growing prominent role and oversight of government activity and its continuous support to reduce the phenomenon of legal failures that afflict those institutions and their clients.
morning
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