Jamiyat

 Siyosat va tartiboti taminot bo garav Dar nihoyati kor khavfi qarzi hamesha az qobiliyati qarzpardozi doshtani qarzgiranda vobastagi dorad. Qobiliyati qarzpardozi doshtan az jonibi eksperti qarzi ba tavri daqiq hangomi tahlili qarzi arzyobi megardad. Garav naboyad az qobiliyati qarzpardozi doshtani qarzgiranda bolotar guzoshta shavad. Dar doirai Nizomnomai mazkur, khavfi qarzi …

Marketingi mustaqim, in manoi onro dorad, ki eksperti qarzi robitai bevosita bayni  qarzgirandagoni potensiali va ekspertoni qarzi dar mintaqai sokhtori bonki doshta boshand. CHunin robitaro metavon dar holathoi zerin barqaror namud: a) Hangomi tashrif ovardan ba tashkilotho va korkhonahoi alohida,  dar mahalli tijorat, masalan, dar bozorho va markazhoi tijorati; b) …

Tashkilot/vohidi amaliyotii tashkilot, boyad jadvali mahsulotho va khizmatrasonihoi peshnihodshavandaro ba qarzgirandagon baroi shinosshavi tamin namoyand. Paydo shudani tasavvurot nisbat ba sohahoi faoliyati Tashkilot va jadvali mahsulothoi bonki, inchunin dastovardhoi on, ba tavri musbi ba natijahoi faoliyati vohidi amaliyotii bonk tasir merasonad. Tashkilothoi tavsiyashavandai zerinro dar bar megirand, vale bo on …

Dar rafti jarayoni qarzi eksperti qarzi (kormandi qarzi) baroi hamai davrai qarzi javobgarii purraro ba dush dorad. U purra baroi natijahoi kori khesh, baroi hajm, sifat va mazmuni sanduqi qarzii khud javobgar ast. Vazifa va uhdadorihoi asosii eksperti qarzi iborat ast az: a) guzaronidani marketingi faoli mahsulothoi qarzi va digar …

Marketing qismi muhimi kori ekspertoni qarzi muvofiq ba uhdadorihoi vazifaviashon meboshad. Eksperti qarzi baroi marketingi  mahsulothoi qarzi va digar mahsulothoi bakhshi bonkdorii qarzi javobgar ast. Marketingi mustaqim, chun namudi az hama muhimi faolnokii eksperti qarzi, qadami nakhustin dar ravandi intikhobi qarzgiranda meboshad. On boyad chunon ba naqsha girifta, guzaronida shavad, …

 Maqsadi qarz: Qarzro metavon ba ehtiyojoti istemoli, tijorat, sohai istehsolot, khizmatrasoni va savdo bo maqsadhoi zerin judo namud: kharid namudani mebel va jihozhoi khona; bahri  kharojothoi zaruri (pardokhti khizmathoi giriftashuda, guzaronidani chorabinii oilavi, tamiri khona va g.); kharojothoi rohkiro baroi berun az qalamravi jumhuri ba kor baromadan; baroi kharidani rohkhati …

Muvofiqi qonunguzorihoi Jumhurii Tojikiston, qarzgirandagon boyad shakhsoni voqei, sohibkoroni infirodi va yo shakhsoni huquqi boshand, ki ba talabothoi zerin javob dihand: a) SHakhsi voqei ba shahrvandi (-oni) Jumhurii Tojikiston mansub boshad va b) SHakhsi huquqi ba  shahrvandi (-oni) Jumhurii Tojikiston mansub boshad va az jonibi u (onho) idora karda meshavad. …

Qarzhoi kalonhajm in (az 50 001 to 100 000 dollari IMA yo mubodilai on bo digar asorho) metavonad az jonibi eksperti qarzie doda shavad, ki dar sohai judo namudani qarzhdihi tajribai korii na kamtar az bistu chor moha doshta, sohibi donishu malakai lozimi boshad, ba sharte, ki agar dar tuli bistu chor …

Qarzhoi khurdtarin dar doirai mahdudiyathoi zerin metavonand az jonibi ekspertoni qarzi barrasi shavand: a) Ekspertoni qarzie, ki dar sohai qarzdihii khurdtarin tajribai korii kamtar az shash moha dorand, metavonand ba mablagi to 5 000 (panj hazor) dollari IMA qarz peshnihod namoyand va dar muddati shash mohi kori boyad sanduqi qarzii …

Muqarraroti umumi Qarzgiranda metavonad baroi giriftani qarz ba filial, dar vaqti kori/hangomi soati qabuli qarzgirandagon, yo khud dar vaqti faoliyati marketingi yo dar rafti muloqothoi shakhsi ba ekspertoni qarzi murojiat namoyad. Darkhostdihandagoni bevosita ba vohidi amaliyotii Tashkilot murojiat namuda, ba bakhshi qarzi firistoda meshavand, ki dar on jo bo onho …