Anton yari afite ibyago - igiti cyaguye ku modoka ye. Isosiyete yubwishingizi yanze kwishyura ibyangiritse, ikabitera iki kubwukuri igiti cyagaragaye nkihutirwa, kandi Anton yashyize nkana imodoka muri iki gihe. Inkunga - bisobanura gutakaza amezi make, kandi uracyakeneye kubona amafaranga kumunyamategeko, no kugurisha uburenganzira bwo gusaba kwa nyerest - gutakaza amafaranga wenyine. Ariko kuva ku ya 1 Kamena 2019, urashobora gukomeza byoroshye - gushaka ubufasha kumuvugizi wubukungu, uzasuzuma uru rubanza kandi uzahitamo muminsi 15. Kuva 2021, ibishoboka byo kurengera uburenganzira bwabo abifashijwemo n'Umuvunyi babaye mugari cyane.
Umuvurungano w'imari, cyangwa Umuvunyi Mukuru, akora ibikorwa mbere yo gukemura amakimbirane y'abantu bafite imiryango imari. Kugira ngo adufashe, abaturage bagonganaga ku burenganzira bwabo mu rubavu rwamafaranga, kimwe n'abahagarariye abayobozi kurengera inyungu zabo mu makimbirane n'inzego z'imari barashobora gukoreshwa kuri yo. Ihuze ako kanya ko Umuvunyi Mukuru atemera ikirego cya ba rwiyemezamirimo bato cyangwa abahagarariye ubundi bucuruzi.
Dukurikije Amategeko, icyemezo cya FinnoBudman gifite imbaraga zemewe n'amategeko kandi ko agomba kwicwaga cyane, ndetse n'icyemezo cy'urukiko.
Ni ngombwa ko Umuyoboro wa Finnebudsman utekereza ko umutungo n'amafaranga. Birashobora kuba ihohoterwa mugihe umuturage atishyuye amafaranga yose cyangwa adahembwa. Kimwe nikihe kibazo mugihe isosiyete yajyanye amafaranga yabakiriya kuruta uko yagombaga. Kurugero, uwagurijwe yahinduye imiterere kandi azura igipimo cyinyungu nta guhuza umushahara. Kubera iyo mpamvu, uwagurijwe yashyizeho umubare w'amafaranga arenze amategeko. Cyangwa MFIs yaba yarabonye igiteranyo cy'amarushanwa n'indishyi zirenze amategeko y'Uburusiya ateganya (urugero, muri microloans yabonetse muri 2020, ingano ya byose n'ibihano ntibishobora kurenza umwenda w'imyenda irenga 1.5). Ikigega cya pansiyo kidaharanira inyungu kibarwa nabi Komisiyo ku mubare wakozwe. Cyangwa umwishingizi yanze kwishyura amafaranga yubwishingizi cyangwa yashyizeho umubare windishyi, utubahiriza amasezerano yamasezerano yubwishingizi. Ibihe mugihe bidashoboka kwemeranya no kuvuguruza inzira y'amahoro, set. Ibi biraze gusa mubufasha bwemewe.
Ariko, hari ibihe nkibi bya Finnubudsman bizanga gufasha: Mugihe bigeze kubw'indishyi zangiza umuco cyangwa ngo babuze inyungu, umubare w'amafaranga arenga ibihumbi 500 kandi ikibazo ntabwo gikoreshwa kuri CTP. Cyangwa urubanza rufatwa n'Urukiko cyangwa icyemezo cy'urukiko rumaze gutangwa.
Komiseri w'imari azareka gusaba, niba umuturage atitaye kuri sosiyete ko serivise y'imari yakiriwe kandi idafite icyemezo cyo kujurira. Umuvunyi Mukuru ntazahita asuzuma uru rubanza, rumaze gufata icyemezo. Iherezo rimwe rizasobanukirwa imvugo imwe mubaburanyi iri murwego rwo kumenya guhomba cyangwa yamaze guhomba, cyangwa isosiyete yimari yakuweho nuruhushya rwibikorwa.
Ububasha bw'Umuvunyi burimo amakimbirane n'amasosiyete y'ubwishingizi (ibibazo by'ubwishingizi bwose, usibye ubwishingizi bw'ubuzima bw'ubuzima bwemewe), kuva ku ya 1 Mutarama), kuva ku ya 1 Mutarama, Kuva ku ya 1 Mutarama, Urutonde rwatanzwe na pansiyo (NPF) , pawnshops na koperative y'abaguzi b'inguzanyo (PDA).
Nigute Umuvunyi Mukuru? Mbere na mbere, azohereza kopi y'urubuga rw'umukiriya mu ishyirahamwe ry'imari afite icyifuzo cyo kwigenga gukemura amakimbirane hagati y'ababuranyi. Iyo yanze ishyirahamwe ry'imari, gushyikirana, kumvikana, Komiseri atekereza ku rubanza akafata icyemezo.
Niba Umuvunyi Mukuru abaye igice cyumuryango wimari, noneho hamwe no kwanga biganisha umukiriya ibisobanuro byemezo bye. Niba urubanza rwakemutse mu nyungu z'umukiriya, Umuvunyi Mukuru ashyiraho igihe ishyirahamwe ry'imari riteganijwe gusohoza icyemezo cyarwo. Iki gihe gishobora gutandukana kubakozi 10 kugeza ku minsi 30 yingengabihe kuva mugihe icyemezo cyatangiye gukurikizwa.
Niba umuryango w'imari wirengagije icyemezo cy'Umuvunyi ukaba utarabimenye igihe gikwiye, umuturage ashobora kongera kujuririra Komiseri ku cyemezo kidasanzwe, ako kanya ahabwa abahesha b'inkiko. Hashingiwe ku cyemezo, umukanizi azategeka isosiyete isohoza icyemezo cy'Umuvunyi n'uwahohotewe azakira amafaranga ye.
Niba hari ugushidikanya niba amakimbirane yawe ari mubushobozi bwamafaranga yemerewe, birasabwa kuzuza urupapuro rwihariye kurubuga rwemewe rwa www.finombebudsman yemerewe.ru kugirango ukemure ikibazo cyo gukemura amakimbirane.
Ubujurire burashobora kuyoborwa na Mail isanzwe na interineti. Byihuta kandi byoroshye kohereza ukoresheje konte yawe kurubuga rwa www.finombebudman.ru. Mu minsi itatu nyuma y'iminsi itatu ishyirwa mu bikorwa ku biro by'umuvunyi by'Umuvunyi, Umuvunyi Mukuru azasubiza aramutse yemeye ikirego cyawe cyo kubitekerezaho cyangwa atari byo.
Benshi birashoboka ko bashishikajwe nibibazo byukuntu ubufasha bwumuvunyi. Rero, kubakiriya b'imiryango y'imari, serivisi z'umuvunyi ni ubuntu. Ariko, umukiriya arashobora kandi kwitabaza serivisi zumuhuza (kurugero, autortist). Muri uru rubanza, bizaba ngombwa kwishyura amafaranga ibihumbi 15 kugirango tubisuzume.
Komiseri yahisemo vuba - nk'itegeko, mu minsi 15 y'akazi. Atekereza guhamagara kuva abahuza kabiri cyane - muminsi 30 yakazi.
Muri ibi bihe, nibyiza rwose guhangana nuburyo bwo no kohereza ikibazo. Byongeye kandi, niyo waba ukora amakosa, ubuyobozi butanga imbonerahamwe yimari buzerekana kandi butanga ibyifuzo, uburyo bwo kuzana ibyangombwa bijyanye nibisabwa byose.
Kandi twongeye kukwibutsa ko ushobora kuyobora ibibazo byawe kuri [email protected], kimwe no gutanga ingingo nshya zo gucana mumutwe.
Niba kandi uburenganzira bwawe bwabakiriya bwahuye na serivisi zimari bwaho bwarahungabanye ubungubu, urashobora kuvugana na banki yu Burusiya kuri CBR.ru/reception, kimwe na terefone 8 800 300 300 guhamagara hamwe na terefone zigendanwa).