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"Mili teks Sirdaryo" korxonasi: Xomashyodan tayyor mahsulotgacha

02.10.2024 467

To‘qimachilik, tikuvchilik va trikotaj sanoati milliy iqtisodiyotning strategik muhim tarmog‘i hisoblanadi. Ana shu sababli Sirdaryo viloyatida ham to‘qimachilik va tikuv-trikotaj sanoatini rivojlantirishga alohida ahamiyat qaratilyapti.


Bu, birinchidan, viloyatda yetishtirilayotgan paxta xomashyosini qayta ishlash orqali undan yarim tayyor va tayyor mahsulot ishlab chiqarish, ikkinchidan, viloyatning eksport salohiyatini oshirish, uchinchidan esa, aholining ishsiz qatlamini ish bilan ta'minlash imkonini beryapti.

Buni Guliston tumanidagi aralash kalava va trikotaj mahsulotlari ishlab chiqarishga ixtisoslashgan "Mili teks Sirdaryo" korxonasi misolida aytish mumkin. Ishlab chiqarish quvvati 10 ming tonna bo‘lgan mazkur korxonada o‘tgan yili 6,5 million dollarlik, joriy yilning o‘tgan davrida esa 5 million dollarlik yarim tayyor mahsulotlar ishlab chiqarildi. Ushbu mahsulotlarning asosiy xaridori Xitoy, Rossiya, Turkiya, Pokiston, Misr kabi davlatlar hisoblanadi.



Loyiha qiymati 100 million dollar bo‘lgan mazkur korxonaning birinchi bosqich ishlari yakuniga yetib, unda yarim tayyor ip-kalava mahsulotlari ishlab chiqarilayotgan bo‘lsa, ikkinchi bosqich ishlari nihoyasiga yetkazilgach korxonada ishlab chiqarilayotgan, eksportga yo‘naltirilayotgan yarim tayyor mahsulotlar shu yerning o‘zida qayta ishlanib, trikotaj mahsulotlariga aylantiriladi. Bu esa, o‘z o‘rnida valyuta tushumining ko‘payishiga, viloyatning eksport salohiyati ortishiga xizmat qiladi.

Aralash kalava va trikotaj ishlab chiqarish loyihasining birinchi bosqich ishlariga “O‘zmilliybank” AJning Sirdaryo viloyati Bosh boshqarmasi Guliston amaliyot bankining 40 million dollarga yaqin pul mablag‘i yo‘naltirilib, 500 ta ish o‘rni yaratilgan bo‘lsa, ikkinchi bosqich ishlariga mazkur bankning 35 million dollar miqdoridagi kredit mablag‘i yo‘naltirilib, qo‘shimcha 600 ta ish o‘rni yaratiladi.



Bu boradagi ishlar esa allaqachon boshlab yuborilgan. Ayni vaqtda ikkinchi bosqich jarayonida ishga tushishi kutilayotgan tayyor mahsulot ishlab chiqarish sexi binosida qurilish ishlari olib borilayotgan bo‘lsa, unga olib kelib o‘rnatilishi lozim bo‘lgan mato to‘qish, bo‘yash liniyalarini sotib olish uchun bank va korxona ta'sischilari o‘rtasida muzokara olib borilyapti.

– Yarim tayyor mahsulotdan tayyor mahsulot ishlab chiqarish nafaqat korxonada ishlayotgan ishchi-xizmatchilar, paxta xomashyosini yetkazib berayotgan fermer va agroklasterlar uchun ham katta yangilik bo‘ladi, – deydi "Mili teks Sirdaryo" mas'uliyati cheklangan jamiyat ishlab chiqarish bo‘limi boshlig‘i Alisher Toirov. – Sirdaryoda yetishtirilgan paxta xomashyosi yarim tayyor holda emas, tayyor holda xorijga yo‘l oladi. Bu esa, hozirgiga qaraganda korxona eksport salohiyatini bir- bir yarim barobar oshirish imkonini beradi. Eng asosiysi, valyuta tushumi ko‘payib, shunga yarasha ishchilarning ish haqi xam oshadi.



Mazkur korxonada ish uch smenada tashkil etilgan bo‘lib, ishchilarning ishga kelib-ketishi uchun maxsus avtobus qatnovi yo‘lga qo‘yilgan. Bepul issiq ovqat, ishchilarning dam olishi uchun shart-sharoit yaratilgan.

– Buning uchun, eng avvalo, Prezidentimizga rahmat, biz fuqarolarning hayotini har tomonlama o‘ylab shunday shart-sharoit yaratib bergani uchun, – deydi ip yigiruv sexi operatori Nargiza Mingboeva. – Ushbu korxona ochilmasdan oldin ro‘zg‘or tebratish, oilamizning byudjetiga qo‘shimcha daromad kiritish maqsadida paxta chopiq, chekanka, terim va boshqa mavsumiy ishlarni bajargan bo‘lsam, hozir toza va ozoda joyda to‘qimachilik dastgohini boshqaryapman. 


Manfaatdorlik bor joyda ish oldinga ketadi. Buni to‘g‘ri anglagan korxona rahbariyati ishchi -xizmatchilarni har bayramda qo‘shimcha rag‘batlantirib, yurtimizning go‘zal go‘shalariga sayohatlar ham tashkil etmoqda.

Shu boisdan ishchi-xizmatchilar ham ishlab chiqarilayotgan mahsulotlar sifatiga alohida ahamiyat bermoqda. Bu esa, ishlab chiqarilayotgan mahsulotlarning xaridorbopligini oshirishga, eksport salohiyatining kengayishiga zamin bo‘lyapti.

https://uza.uz/uz/posts/homashyodan-tayyor-mahsulotgacha_640543




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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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