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Prinsiphoi qarzdihi

 Hangomi judo namudani qarz, rioya namudani prinsiphoi zerin zarur meboshad:

a) Masalai judo namudani qarz, boyad dar zaminai malumotho doir ba sohai faoliyat va maqsadi qarz surat girifta, hamai mekhanizmi minbadai barrasii darkhost ba on takya namoyad. Binobar in dar doirai tartiboti judo namudani qarz, ki dar Nizomnomai mazkur ovarda shudaast, khudi Tashkilot (eksperti qarzi) malumothoro doir ba qarzgiranda va manbai daromadi u jamovari namuda, durustii onro taftish menamoyad. In tartib mushkiloti mavjud nabudani malumoti rasmiro doir ba manbai daromad va sohai faoliyati qarzgiranda bartaraf menamoyad (malumot oidi muzdi mehnat, hajm va foidaovarii tijorat, sarchashmahoi doroihoi qarzgiranda va ba in monand). Dar barobari  in Tashkilot mustaqilona malumothoro jamovari namuda, sath va durustii in malumothoro sanjida, sathi khavfhoi minbadaro baroi qarzguzori namudan, ba andozae past menamoyad.

Prinsipi karz

b) Boyad qarori judo namudani qarz dar zaminai purra va be chunu charoi qobiliyati pardokhtpaziri doshtan va dar asosi malumothoi jamovari shuda, tahlil namudani khavfhoi qarzgir va manbai daromadi u, qabul karda shavad. Tahlili qobiliyati qarzpardozi doshtani qarzgirandaro dar qismati mablag va pardokhtpaziri guzaronidan zarur ast.

v) Hej goh garav naboyad az qobiliyati qarzpardozi doshtan bolotar guzoshta shavad. Vale zarur ast, ki hangomi intikhob va narkhguzori namudani taminot bo garav diqqati jiddi doda shavad.

g) Boyad ba sifati sanduqi qarzi beshtar tavajjuh zohir namud. Ba in metavon tanho dar holati qabul kardani qarorhoi durusti qarzi, monitoringi doimii qarzhoi jori va sari vaqt nishon dodani aksulamal ba bad shudani holati ijroi uhdadorihoi vobasta ba bozpasgardonii qarz az jonibi shakhsi qarzgir, noil gasht.

d) Sari vaqt bozpas gardonidani vositahoi qarzi, metavonad sababi ba qarzgirandagoni takrori ba sifati mukofot peshnihod shudani sharthoi nisbatan mufidi qarzdihi shavad.

e) Muvofiqi Nizomnomai mazkur, har yak eksperti qarzi baroi sanduqi qarzii khesh va ba hamai davrai asosii qarzi, javobgar meboshad. Tanho taqsimoti durusti vazifaho imkoniyat medihand, ki sifat va kori bomuvaffaqiyati har yak eksperti qarzi nazorat karda shuda, az rui natijahoi faoliyatashon, muzdi mehnat va mukofotpuli muayyan gardad.

j) Az jonibi yak eksperti qarzi ijro gardidani yak qator davrai qarzi, nisbat ba nazorati muqarrari, nazorati beshtari dokhili va berunaro talab mekunad. Dar chorchubai Nizomnoma,  in ba vositai az nazarguzaronii intikhobii bastahoi hujjathoi qarzi, hujjathoi ibtidoi, taftishhoi nizomi va monitoringi sanduqi qarzi, amali karda meshavad.

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