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Nizomnomai Filial

  1. Qoidahoi umumi 

1.1.Filial hamchun vohidi Jamiyat shakhsi huquqi nabuda, berun az mahalli voqegardii Jamiyat qaror doshta, dar doirai vakolathoe, ki Jamiyat ba on dodaast, az nomi Jamiyat amal menamoyad.

1.2.Filial faoliyati khudro muvofiqi Qonunhoi Jumhurii Tojikiston «Dar borai tashkilothoi mablagguzorii khurd», «Dar borai Bonki millii Tojikiston», digar qonunhoi Jumhurii Tojikiston va sanadhoi meyorii Bonki millii Tojikiston, Oinnomai Jamiyat va Nizomnomai mazkur amali megardonad.

1.3.Filial az lahzai baqaydgirii davlati mutobiqi talabotu qoidahoi muqarrarnamudai Qonuni Jumhurii Tojikiston ««Dar borai tashkilothoi mablagguzorii khurd», va sanadhoi meyorii Bonki millii Tojikiston faoliyat mekunad.

1.4.Munosibati Filial bo mizojon dar asosi shartnoma, ki asosi huquqii amaliyoti tashkilot ast, amali shuda, dar on huququ ehdadori va masuliyatu javobgarii tarafayn nishon doda meshavad.

1.5. Filial bo ijozati Jamiyat dar asosi hisobi khojagii purrai dokhili jamiyat va khudmablagguzori amal mekunad.

1.6.Maqomothoi ijroiyai hokimiyati davlati va mahallii Jumhurii Tojikiston huquq nadorand, ki ba faoliyati Filial va ba jobajoguzorii kadrhoi on dakholat kunand.

1.7.Taftishi faoliyati Filial bo rozigii Jamiyat az tarafi auditorhoi baynalmilli va yo khud vatani, hamchunin Bonki millii Tojikiston dar doirai muayyani qonunguzori surat megirad.

1.8.Filial az rei ehdadorihoi davlat va maqomoti on niz javobgar nameboshad.

Davlat az rei ehdadorii Filial ba gayr az holathoe, ki e ba desh giriftaast, javobgar nest.

1.9.Filial hangomi qabuli qarorho az maqomoti ijroiya va idorai davlati vobasta nameboshad.

1.10.Zabonhoi rasmie, ki dar faoliyati Filial istifoda megardand, zaboni tojiki meboshad. hamai sabtho, paynavishtho va shaklhoi hisobotie, ki Filial istifoda menamoyad, hamchunin korguzori bo zaboni davlati – tojiki amali megardad.

1.11. Nomi purrai rasmii Filial:

– bo zaboni tojiki – Jamiyati doroi masuliyati mahdudi Tashkiloti amonatii qarzii khurdi «Investkom»;

– bo zaboni rusi –  Obshestvo  s  ogranichennoy   otvetstvennostyu  mikrokreditnaya depozitnaya  organizasiya «Investkom»;

– bo   zaboni  anglisi – Limited   Liaiility  Company   Micqocqedit  deposit  oqganization “Standaqt moliya” .

1.5.   Nomi ikhtisori  Jamiyat:

– bo  zaboni tojiki – JDMM TAQH «Investkom»;

– bo  zaboni   rusi – OOO MDO «Investkom»;

– bo  zaboni  anglisi-  LLC MDO «Standaqt moliya»

1.12.Filial doroi mehri mudavvar meboshad, ki dar on nomi firmaviash bo zabonhoi tojiki va khoriji, shakli tashkiliyu huquqi va mahalli voqegardii on sabt megardad. hamchunin Filial, tamgaho, varaqakhoi makhsus, nishoni khususi va vositahoi digari ayonii ba on monand va tavozuni notamom dorad.

1.13.Mahalli voqegardidai Filial: Jumhurii Tojikiston, shahri Hujand,                 kechai K.Hujandi -181.

  1. Amaliyot va muomilahoi Filial

2.1.Filial amaliyothoi bonkii dar poyon ovardashudaro ba amal mebarorad:

– jalbi amonat va pasandozhoi shakhsoni voqei va huquqi;

– dodani qarzi khurd  (bo  tamin  va  be  tamin);

– kushodanu peshburdi surathisobhoi bonki;

– intiqoli mablaghoi puli bo farmoishi mushtariyon;

– dodani kafolat;

– qarordodhoi forvardi va SVOP baroi khud;

– amaliyoti kassavi;

– amaliyoti hisobbarobarkuni va mubodilavi;

– barorishi korthoi pardokhtii bonki va amaliyoti onho.

Hamai namudhoi faoliyati dar bolo nombarshuda dar asosi Ijozatnomai Bonki millii Tojikiston bo puli  milli  va asori khoriji anjom doda meshavand.

Nisbati kafolati amonathoi shakhsoni  voqeie, ki Jamiyat jalb menamoyad, talaboti Qonuni Jumhurii Tojikiston «Dar borai  sugurtai pasandozhoi  shakhsoni  voqei»  tatbiq   megardad.

            2.2.hamai amaliyotho va muomilahoi bonki bo asori milli va khoriji anjom doda meshavand.

  • Vositahoi qarzii Filial va tanzimi moliyavii on

 

      3.1.Vositahoi qarzii Filial dar asosi meyori az tarafi jamiyat muayyankardashuda az hisobi chunin vositahoi puli tashkil karda meshavad:

            a) vositahoi pulii khudi;

            b) vositahoi pulii mutamarkazonidashudani qarzi, ki az hisobi zakhirahoi Jamiyat girifta meshavand;

            v) vositahoi pulii mizojon, ki dar hisobhoi Filial meboshand;

            g) depozithoi shakhsoni huquqi va voqei;

            d) vositahoi pulii az hisobi digar bonkho jalbkardashuda;

            e) digar vositahoi pulii jalbkardashuda.

            3.2.Filial bo rozigii Jamiyat metavonad ba tavri shartnomavi az bonkhoi digar vositahoi puliro jalb namoyad va yo ba onho qarz dihad.

            3.3.Jamiyat huquq dorad, ki muvaqqatan vositahoi qarzii ozodi Filialro istifoda barad va dar holathoi zaruri ba Filial yorii moliyavi rasonad.

            3.4.Filial bo maqsadi sarivaqt bargardonidani qarzho garav, kafolat va digar namudhoi taminotkhoe, ki muvofiqi qonunguzorii amalkunandai Jumhurii Tojikiston peshbini shudaast, istifoda mebarad.

            3.5.Bo maqsadi tamini mustahkamii moliyavii Filial, Jamiyat ba e chunin meyorhoi maqbulro muayyan mekunad:

-haddi nihoii qarzho (kreditho);

-tasnif va bahoguzorii doroiho, tashkili zakhira va fondi talafoti imkonpaziri doroiho dar zaminai chunin tasnif va bahodihi, inchunin muqarrar kardani mehlate, ki bo mururi on daromad az foizi qarzhoi pardokhtnashavanda nametavonad hamchun daromad hisobida shavad, ba istisnoi daromad bo puli naqd;

-sharthoi qabuli amonat, pasandoz va dodani qarz (kredit), az jumla mehlat va foizi onho;

-mamnuiyatho, mahdudiyatho yo sharthoi digari vobasta ba:

a) navi qarzho (kreditho), sarmoyaguzoriho va ehdadoriho, mutobiqati doroiho va ehdadoriho az rei mehlat va foizi onho, inchunin doroiho va ehdadorihoi sharti;

b) mavqei kushoda:

-bo asori khoriji, metallu sanghoi qimatbaho;

-vositahoi qurbi va meyori foizi;

-sahmiyaho va digar qogazhoi qimatnoki intiqolshavanda;

-qarordodhoi forvardi, sozishnomai svop, fyuchers, opsion va digar hosilahoi ba asor, sahmiyaho, vombargho, metallu sanghoi qimatbaho yo qurbu meyorhoi foizi dakhldoshta, ki khavfi onho sugurta nashuda, az meyorhoi muqarrarshuda ziyod meboshad.

3.6.Baroi guzaronidani amaliyothoi bonki baroi Filial bo peshnihodoti Jamiyat dar Bonki millii Tojikiston zerhisobi murosiloti kushoda meshavad.

3.7.Filial zakhirahoi ozodi pulii shakhsoni huquqi va voqeiro dar asosi shartnomahoi pasandozi bonki va khisobi bonki bo onho dar hisobhoyashon va yo digar hisobho nigoh doshta, istifoda mebarad.

3.8.Filial faoliyatashro muvofiqi qonunhoi amalkunandai Jumhurii Tojikiston va Nizomnomai mazkur, dar hududi huquqhoi muvofiqi hamin Nizomnoma dodashuda, ba tavri shartnomavi bo shakhsoni huquqi va voqei amali megardonad.

Binobar in dar nazdi Filial chunin vazifaho guzoshta shudaast:

  • mutobiqat va tanzimi hisobi murosiloti;
  • burdani hisobho va khizmatrasonii amaliyoti-khazinavii mizojon;
  • ijroi amaliyot bo asori khoriji badi giriftani rozigii khatti az Bonk;
  • tashkil va burdani nazorat az boloi khizmatrasonii qarzi-hisobii mizojon;
  • tanzimi zakhirahoi umumii qarzi, ki bo on Filial amaliyot meguzaronad;
  • sanjishi qaror oidi dodani qarzho dar hajmi barobari meyori havf ba sarmoyai umumii Filial;
  • tartibdihii hisoboti purrai jambasti dar Filial;
  • himoyai manfiathoi Filial;
  • tasdiqi naqshai daromad va kharojoti Filial bo rozigii Bonk va rioyai meyorhoi iqtisodi;
  • qabuli qaror oidi dodani mukofot ba korgaroni Filial bo ijozati Bonk;
  • qabul va jobajoguzorii kadrhoi shakhsoni masul bo rozigii Bonk;
  • masalahoi digare, ki ba vakolati Filial dokhil meshavand.
  1. IV. Tamini manfiathoi mizojon

            4.1.Filial beoseb nigoh doshtani mablaghoi puli va doroihoi digarero, ki mizojon – murosilon ba ikhtiyori vay suporidaand, tamin menamoyad.

            4.2.Filial sari vaqt va purra ehdadorihoyashro dar nazdi mizojon ijro menamoyad.

            4.3.Filial az rei ehdadorihoyash bo tamomi molumulkash javobgar meboshad.

            4.4.Filial makhfi nigoh doshtani sirri amaliyot, hisobho va pasandozhoi mizojonu murosiloni khudro kafolat medihad. hamai korkunoni Filial vazifadorand, ki sirri amaliyot, hisobho, amonathoi mizojonu murosiloni onro makhfi nigoh dorand.

            4.5.Malumot oid ba hisobho va pasandozhoi shakhsoni huquqiyu voqei az tarafi Filial ba shakhsoni manfiatdor bo rioyai qonunguzorii faoliyati bonki doda meshavad.

            4.6.Habsi vositahoi puli va digar amvoli qimatnoki shakhsoni huquqi va voqei, ki dar hisob va pasandozho mavjudand yo dar Filial nigoh doshta meshavand, dar asosi talaboti qonunguzorii amalkunandai Jumhurii Tojikiston ba tanzim darovarda meshavad.

            4.7.Filial baroi zarari ba mizojon rasonidaash, ki dar natichai ba khatogiho roh dodani Filial, ba vujud omadaast, agar in zararho bo gunohi mizojon rasonida nashuda boshand. muvofiqi qonunguzorii Jumhurii Tojikiston javobgar meboshad.

  1. Huquqhoi Filial 

5.1.Filial baroi tamini vazifaho, amaliyotho oid ba mablagguzori, qarzdihi va hisobbarobarkuni, ki ba zimmai Filial guzoshta shudand, huquq dorad:

a) dar asosi shartnomaho bo mizojon mikdor va arzishi amaliyothoi guzaronidashudaro muayyan kunad;

b) az tashkilotho va korkhonahoi qarzgir hisobot, tavozun va digar hujjathoe, ki qobiliyati pardokhtpazirii onhoro ifoda mekunand, inchunin tamini bargardonidani qarzhoi dodashavandaro talab kunad;

v) dar holati vayron kardani ehdadorihoi dar shartnomai qarzi muqarrarshuda dodani qarzro man karda, pesh az mehlat bargardonidani qarzi dodashudaro tibki shartkhoi shartnoma talab kunad;

g) dar vaqti muayyan namudani holathoi peshnihodi hisoboti nodurust oidi istehsoli mahsulot, khizmatrasoni, daromad yo in, ki dar holati be nazorat mondani hisoboti korkhona, dodani qarz va guzaronidani amaliyoti khazinaviyu hisobbarobarkuniro bozdorad;

d) bo ijozati Bonk vositahoi asosi kharad, vositahoi pulii khudro baroi bino va inshootho mablagguzori kunad va onhoro fureshad;

e) faoliyati Filialro targibu tashviq namoyad.

  1. Idorakunii Filial 

6.1.Idorakunii Filial ba zimmai Roњbari Filial guzoshta shudaast.

Roњbar, sarmukhosibro Direktori Jamiyat tain menamoyad va nomzadii onhoro bo Bonki millii Tojikiston muvofiqat mekunad.

6.2.Roњbar huquq dorad az nomi Filial amaliyothoi zerinro ijro namoyad:

a) rohbarii bevositai faoliyati khojagidorii Filial;

b) bo tarzi muqarrarshuda korgaroni Filialro ba kor qabul va ozod namoyad, korgaroni behtarinro havasmand namoyad, vayronkunandagoni tartibu intizomro ba jazoi intizomi kashad.

  • Hisobdori va hisobotdihii Filial 

7.1.Tarzi hisobot va hisobdihii Filial dar asosi sanadhoi meyorii Bonki millii Toikiston oidi masalahoi tashkili hisobot va hisobdihii bonkho, nizomnomahoi dokhilii Jamiyat amali megardad.

7.2.Filial pardokhti andozhoro ba bujet muvofiqi Kodeksi andozi Jumhurii Tojikiston ijro mekunad.

7.3.Badi pardokhtani andozho ba bujet va guzaronidani mablagho ba fondho foidai Filial muvofiqi meyori muqarrarkardai Bonk istifoda burda meshavad.

7.4.Hulosai faoliyati Filial dar tavozunhoi harmoha va solona, dar hisobotho oid ba daromad va hamchunin dar hisoboti solonae, ki ba Bonki millii Tojikiston va Bonk peshnihod karda meshavand, nishon doda meshavad.

7.5.Soli moliyavii Filial 1 yanvar ogoz shuda, 31 dekabr anjom meyobad.

  • Daromad, kharojot va foidai Filial

8.1.Namudhoi asosi daromadi Filial inhoyand:

  • daromad az ishtiroki yakjoyai chorabinihoi investitsioni va innovatsioni;
  • daromad az amaliyoti mubodilai asori khoriji;
  • foizho az qarzhoi ba mizojon dodashuda;
  • khizmatrasonii muzdnok, dodani maslihat;
  • daromad az amaliyot bo qogazhoi qimatnok;
  • foiz az zakhirahoi qarzhoi ba bonkhoi digar dodashuda;
  • daromadhoi digar.

8.2.Namudhoi asosi kharojoti Filial muvofiqi smetai tasdiqkardai Jamiyat inhoyand:

  • kharojothoi mamuri-khojagidori;
  • kharojotho az qarzhoi muttamarkaz va az bonkhoi digar giriftashuda;
  • pardokhtani foizho ba mablaghoi boqimondai mizojon, ki dar hisobho va pasandozhoyashon nigoh doshta shudaand;
  • kharojothoi digare, ki ba faoliyati Filial vobasta ast.

8.3. Fondi muzdi mehnatro dar asosi kharojoti meyori iqtisodii Filial, Direktori Jamiyat muqarrar mekunad va onro SHeroi Nozironi Jamiyat tasdiq mekunad.

8.4.Harojoti nigoh doshtani Filial dar hajmi smetai kharojotho, ki meyori iqtisodi peshbini kardaast, muayyan karda meshavad.

8.5.Foidai Filial ba tarzi muayyankardai qonunguzori, Oinnomai Jamiyat, hamin Nizomnoma va meyori tasdiqshuda baroi Filial, tashkil va istifoda meshavad.

8.6.Filial baroi faoliyati khud ba miqdori muayyankardai Jamiyat ba fondi zakhiravi mablag judo mekunad.

8.7.Fondi asorii Filial az hisobi daromadi Filial, ki dar natijai guzaronidani amaliyothoi bonki bo asori khoriji vorid shudaast, tashkil karda meshavad.

IH. Nazorati faoliyati moliyaviyu khojagidorii Filial 

            9.1.Faoliyati Filial az jonibi Jamiyat, Bonki millii Tojikiston va bo suporishi digar muassisahoi auditorii betaraf va khadamoti nazorati dokhili va auditi Bonk taftish karda meshavad.

            9.2.Hulosai taftishot, ki hamchun hujjat tayyor karda shudaast, ba Jamiyat baroi chorahoi zaruri didan, peshnihod karda meshavad.

H. Darovardani tagyirotu ilovaho ba Nizomnoma 

            10.1. Hamai tagyirotu ilovahoi ba Nizomnoma dokhil shuda az lahzai tasdiq shudani in tagyirotu ilovaho quvvai qonuni paydo menamoyand.

HI. Bastashavii Filial 

            11.1.Filial bo qarori SHeroi Nozironi Jamiyat, inchunin dar holathoi digari dar qonunguzori peshbinishuda, basta meshavad.

            11.2.Bonk tarzi bastashavii Filial va mehlati onro dar asosi qonunguzorii bonki va sanadhoi meyorii Bonki millii Tojikiston muayyan mekunad.

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