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Presentation of the new credit system

On February 11 of this year, at the initiative of the Department of Banking of the Faculty of Finance and Credit at TSUFE, was held a meeting between representatives of the State Savings Bank of Tajikistan "Amonatbank" with heads of departments and teachers of the university. The meeting was attended by the economist of the overdraft department of the credit department of “Amonatbank” Umeda Kholmatova and the head of the credit department of the bank Mastura Yokubova.
The Dean of the Faculty of Finance and Credit A. Nuralizoda opened the ceremony and explained the purpose of this event. He mentioned that this meeting was organized as part of the implementation of the university's action plans aimed at strengthening cooperation between the university and banks and credit institutions. Most of the graduates of TSUFE are sent to work in this banking institution, students undergo practical training within the walls of this bank. The bank's management and its employees are in constant contact with our university. Bilateral cooperation has especially strengthened over the past three years. This year, more than twenty of the most active students of TSFEU were sent for internship at the State Savings Bank of Tajikistan "Amonatbank".
Amonatbank is a national bank with a huge potential to attract customers. When passing state accreditation by our university, the bank highly appreciated the management of TSUFE, - stressed A. Nuralizoda.
The event was also attended by the head of the credit department of the State Savings Bank of Tajikistan "Amonatbank" M.Yokubov. He mentioned that the overdraft is defined in the amount of up to 80 percent of salaries and pensions, this form of credit is considered new in the credit system of Tajikistan. This type of loan is issued for a period of 1 to 12 months. It was noted that the overdraft is different from other types of bank loans. For instance, when an overdraft is used, money is borrowed instantly, as soon as it is required, and returned just as quickly - as soon as it is credited to the account. Overdraft is a loan issued without collateral. Also, to obtain this type of loan, there is no need to define a mandatory purpose. The overdraft project is a salary and pension project that accounts for 1.8 percent of the monthly. The overdraft agreement is signed between the bank and the client, the organization where the client works acts as an intermediary.
In the final part of the meeting, the teachers received answers to their many questions. It was interesting and vital topic.

Bibinoz Murodalieva