• 09:45

    TV prodaja

    Srijeda, 14-04-2021.

  • 10:00

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  • 10:30

    Zdrava jabuka, sponzorirani program

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  • 11:45

    Sportikos, sportska emisija (R)

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  • 12:45

    U dobroj formi, magazin

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  • 13:15

    Kultura 21, magazin

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  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 14:25

    TV prodaja

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  • 14:40

    Glazbeni program

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  • 14:55

    Naš (g)rad, informativna emisija (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Karte na stol, talk show

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  • 21:00

    Osijek pita, informativna emisija

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  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

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  • 23:00

    Osijek info, mozaična emisija (R)

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  • 23:30

    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

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  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    Glazbeni program

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  • 11:30

    Kultura 21, magazin

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  • 12:00

    TV prodaja

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  • 12:20

    U dobroj formi, magazin

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  • 13:00

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  • 14:00

    LifeStyle TV, magazin

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  • 14:55

    Karte na stol, talk show (R)

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  • 15:55

    Vijesti, informativna emisija

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

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  • 17:40

    Akademska četvrt, mozaična emisija (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    TV Koktel, mozaična emisija

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  • 19:30

    City music, glazbena emisija

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  • 20:00

    Budnica, talk show

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  • 21:00

    Osijek info, mozaična emisija (R)

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  • 21:30

    To smo mi , putopisna reportaža

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  • 22:00

    Dnevnik, informativna emisija (R)

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  • 22:30

    TV Replika, informativna emisija (R)

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  • 00:30

    Kraj programa

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  • 09:30

    Glazbeni program

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  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:20

    Glazbeni program

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  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

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  • 11:30

    U dobroj formi, magazin (R)

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  • 12:00

    Kultura 21, magazin (R)

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  • 12:30

    Glazbeni program

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  • 13:00

    Osijek info, mozaična emisija (R)

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  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 16-04-2021.

  • 14:30

    TV prodaja

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  • 14:55

    Zdrava jabuka, sponzorirani program (R)

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  • 15:55

    Vijesti, informativna emisija

    Petak, 16-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

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  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 16-04-2021.

  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

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  • 19:00

    City music, glazbena emisija

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  • 20:00

    Zdrava jabuka, sponzorirani program

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  • 21:00

    Osijek pita, informativna emisija

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  • 21:30

    To smo mi , putopisna reportaža

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  • 22:00

    Svirajte mi tamburaši, glazbena emisija

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  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 16-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

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  • 00:00

    Kraj programa

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  • 09:45

    TV prodaja

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  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    TV prodaja

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  • 10:45

    LifeStyle, magazin

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  • 11:45

    TV Koktel, moziačna emisija (R)

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  • 12:45

    Kako se snimao film, dokumentarna reportaža

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  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

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  • 13:30

    Zdrava jabuka, sponzorirani program (R)

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  • 14:30

    Budnica, talk show (R)

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  • 15:30

    KolibriS, emisija o kulturi

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  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

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  • 17:30

    Kako se snimao film, dokumentarna reportaža

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  • 18:00

    Dnevnik, informativna emisija

    Subota, 17-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

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  • 19:00

    City music, glazbena emisija

    Subota, 17-04-2021.

  • 20:00

    Osijek info, mozaična emisija

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Općina Bizovac, reportaža

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  • 23:00

    Osijek pita, informativna emisija (R)

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  • 23:30

    Dnevnik, informativna emisija (R)

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  • 00:00

    Kraj programa

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  • 09:15

    Mamre, vjerski program (R)

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  • 09:30

    Produženi vikend, mozaična emisija (R)

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  • 10:30

    Dnevnik, informativna emisija (R)

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  • 11:00

    Zdrava jabuka, sponzorirani program

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  • 12:00

    To smo mi, putopisna reportaža (R)

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  • 12:30

    Svirajte mi tamburaši, glazbena emisija

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  • 13:00

    Budnica, talk show (R)

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  • 14:00

    Kratki rezovi, emisija o filmu (R)

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  • 14:30

    Zlato ravnice, poljopriverdna emisija

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  • 15:00

    Zdrava jabuka, sponzorirani program

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  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

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  • 17:40

    Mamre, vjerski program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Glazbeni program

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  • 19:00

    TV Koktel, moziačna emisija (R)

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  • 20:00

    Impuls razvoja, emisija o gospodarstvu

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 23:55

    Kraj programa

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Mann’s principal research concern ended up being whether borrowers could accurately anticipate if they could be debt free for an pay period that is entire.

Mann reports: nearly 60 per cent of participants was able to be free from financial obligation either before or within a fortnight of the predicted date of approval. To place it conversely, just 43 per cent neglected to clear by themselves from financial obligation within fourteen days of these date that is predicted and than half were belated by significantly more than per week. That is, needless to say, perhaps maybe not a share that is insignificant however it does declare that a stronger greater part of those utilising the item have actually a simple comprehension of just what will happen once they borrow.

This highlight obscures another interesting reality in Mann’s work: borrowers’ average prediction mistake had been near to zero. Or in other words, pay day loan users had been just like prone to overestimate enough time it might simply simply take them become financial obligation free it would take as they were to underestimate how long.

Also, demographic faculties did little to describe borrowers’ prediction error.

Combined, this proof indicates there isn’t any systematic issue with alleged lending that is predatory.

The data undoubtedly does not justify a nationwide regulatory framework that goes further compared to the state laws currently in position. Especially when we think about that the newest rules that are federal prone to shut many people removed from use of credit.

Nevertheless, the CFPB seems poised to crush the cash advance industry by imposing capacity to repay rules on payday lenders. These guidelines aren’t yet complete, but then payday lenders should start looking for new work if they’re anything like the ability-to-repay rules imposed on mortgage lenders.

These guidelines need loan providers to “make a fair and faith that is good predicated on confirmed and documented information that the buyer has a fair capacity to repay the mortgage in accordance with its terms.”

Yes, it is real: the basic idea behind making financing gets paid back. Therefore as the ability-to-repay rules may there’s seem superfluous a drawback: they offer the debtor the ability to sue the lending company for misjudging the borrower’s ability to settle the mortgage.

This particular fact alone has got the possible to destroy the industry, given that it will no more be worth making these tiny (typically $200 to $500) loans. One lawsuit would easily get rid of the expected profit on a small buck loan, even the one that’s rolled over several times.

The CFPB would save yourself a huge amount of time if it just directed payday loan providers to provide away $100 bills, then ask the Federal Reserve to help make crisis loans open to the firms.

By imposing these strict guidelines, however, the us government should be able to aim to alleged market failure then more easily produce government-backed organizations to help make loans that are payday.

In 2014 Senator Elizabeth Warren (D-Mass.) – a part of this Senate Banking Committee – tossed her help behind the U.S. Postal provider supplying these loans. Warren composed:

In the event that Postal provider offered fundamental banking services—nothing fancy, simply fundamental bill having to pay, always check cashing and small dollar loans—then it could offer affordable monetary solutions for underserved families, and, in addition, shore up a unique monetary footing.

There’s also a supply in area 1205 of this 2010 Dodd-Frank Act. This supply switched a nearby bay area system (Bank On USA) right into a nationwide system by making Community developing Financial Institutions (CDFIs) entitled to contend with payday loan providers.

CDFIs get almost $300 million in taxpayer subsidies every year, all within the title of marketing financial development in low-income areas.

Therefore, federal government claims companies that are private be trusted to produce loans to low-income people, but taxpayer-backed agencies can. That’s nonsense on stilts.

The only distinction is, whenever personal businesses make way too many bad loans, each goes away from company. Whenever agencies that are federally-backed it, they stick taxpayers because of the bill and continue lending irresponsibly.

And, somehow, we’re supposed to think it is completely appropriate for the government that is federal borrow at the very least $8 trillion within the next ten years big picture loans payday loans, while simultaneously advertising 30-year fixed price mortgagesto “low income” people.

But those consumers that are silly over $200 loans, those will be the people that require to be second-guessed, restricted, and safeguarded from by themselves.

A far greater solution will be for Congress to go out of cash advance businesses, and their clients, alone.

Norbert J. Michel is research fellow focusing on economic legislation when it comes to Heritage Foundation’s Thomas A. Roe Institute for Economic Policy Studies. He’s additionally a co-author of Heritage’s chance of All; Favoritism to None.”

I’m the Director for the Center for Data review in the Heritage Foundation. We also study issues with respect to economic areas and policy that is monetary.

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