• 09:30

    Glazbeni program

    Petak, 23-04-2021.

  • 09:45

    TV prodaja

    Petak, 23-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 23-04-2021.

  • 10:20

    Glazbeni program

    Petak, 23-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

    Petak, 23-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 23-04-2021.

  • 12:30

    Glazbeni program

    Petak, 23-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 23-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 23-04-2021.

  • 14:30

    TV prodaja

    Petak, 23-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

    Petak, 23-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 23-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 23-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 23-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 23-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 23-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 23-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 23-04-2021.

  • 21:00

    Sučeljavanje kandidata za župana Osječko-baranjske županije, informativna emisija

    Petak, 23-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 23-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

    Petak, 23-04-2021.

  • 00:00

    Kraj programa

    Subota, 24-04-2021.

  • 09:45

    TV prodaja

    Subota, 24-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 24-04-2021.

  • 10:30

    TV prodaja

    Subota, 24-04-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 24-04-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 24-04-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 24-04-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

    Subota, 24-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 24-04-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 24-04-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 24-04-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 24-04-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 24-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 24-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 24-04-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 24-04-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 24-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 24-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Subota, 24-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Subota, 24-04-2021.

  • 00:00

    Kraj programa

    Nedjelja, 25-04-2021.

  • 09:15

    Mamre, vjerski program (R)

    Nedjelja, 25-04-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 25-04-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 25-04-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 25-04-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 25-04-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 25-04-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 25-04-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 25-04-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 25-04-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 25-04-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 25-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 25-04-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 25-04-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 25-04-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 25-04-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 25-04-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 25-04-2021.

  • 23:55

    Kraj programa

    Nedjelja, 25-04-2021.

  • 09:30

    TV prodaja

    Ponedjeljak, 26-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 26-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 26-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 26-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 26-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 26-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 26-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 26-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 26-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 26-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 26-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 26-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 26-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 26-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 26-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 26-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 26-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 26-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 26-04-2021.

  • 00:00

    Kraj programa

    Utorak, 27-04-2021.

  • 09:45

    TV prodaja

    Utorak, 27-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 27-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 27-04-2021.

  • 11:30

    TV prodaja

    Utorak, 27-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 27-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 27-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 27-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 27-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 27-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 27-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 27-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 27-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 27-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 27-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 27-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 27-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 27-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 27-04-2021.

  • 23:30

    Kraj programa

    Utorak, 27-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 28-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 28-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 28-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 28-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 28-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 28-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 28-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 28-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 28-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 28-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 28-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 28-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 28-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 28-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 28-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 28-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 28-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 28-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 28-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 28-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 28-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 29-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 29-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 29-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 29-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 29-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 29-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 29-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 29-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 29-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 29-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 29-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 29-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 29-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 29-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 29-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 29-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 29-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 29-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 29-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 29-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 29-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 29-04-2021.

  • 00:30

    Kraj programa

    Petak, 30-04-2021.

  • 09:30

    Glazbeni program

    Petak, 30-04-2021.

  • 09:45

    TV prodaja

    Petak, 30-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Petak, 30-04-2021.

  • 10:20

    Glazbeni program

    Petak, 30-04-2021.

  • 10:45

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 30-04-2021.

  • 11:30

    U dobroj formi, magazin (R)

    Petak, 30-04-2021.

  • 12:00

    Kultura 21, magazin (R)

    Petak, 30-04-2021.

  • 12:30

    Glazbeni program

    Petak, 30-04-2021.

  • 13:00

    Osijek info, mozaična emisija (R)

    Petak, 30-04-2021.

  • 13:30

    TV Koktel, mozaična emisija (R)

    Petak, 30-04-2021.

  • 14:30

    TV prodaja

    Petak, 30-04-2021.

  • 14:55

    Zdrava jabuka, sponzorirani program (R)

    Petak, 30-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Petak, 30-04-2021.

  • 16:00

    Produženi vikend, mozaična emisija (R)

    Petak, 30-04-2021.

  • 17:00

    Kratki rezovi, emisija o filmu

    Petak, 30-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Petak, 30-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu

    Petak, 30-04-2021.

  • 19:00

    City music, glazbena emisija

    Petak, 30-04-2021.

  • 20:00

    Zdrava jabuka, sponzorirani program

    Petak, 30-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Petak, 30-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 30-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena emisija

    Petak, 30-04-2021.

  • 22:30

    Dnevnik, informativna emisija (R)

    Petak, 30-04-2021.

  • 23:00

    Kratki rezovi, emisija o filmu (R)

    Petak, 30-04-2021.

  • 00:00

    Kraj programa

    Subota, 01-05-2021.

  • 09:45

    TV prodaja

    Subota, 01-05-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Subota, 01-05-2021.

  • 10:30

    TV prodaja

    Subota, 01-05-2021.

  • 10:45

    LifeStyle, magazin

    Subota, 01-05-2021.

  • 11:45

    TV Koktel, moziačna emisija (R)

    Subota, 01-05-2021.

  • 12:45

    Kako se snimao film, dokumentarna reportaža

    Subota, 01-05-2021.

  • 13:00

    Svirajte mi tamburaši. glazbena emisija (R)

    Subota, 01-05-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program (R)

    Subota, 01-05-2021.

  • 14:30

    Budnica, talk show (R)

    Subota, 01-05-2021.

  • 15:30

    KolibriS, emisija o kulturi

    Subota, 01-05-2021.

  • 16:30

    Odaberi zdravlje, sponzorirani program (R)

    Subota, 01-05-2021.

  • 17:30

    Kako se snimao film, dokumentarna reportaža

    Subota, 01-05-2021.

  • 18:00

    Dnevnik, informativna emisija

    Subota, 01-05-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Subota, 01-05-2021.

  • 19:00

    City music, glazbena emisija

    Subota, 01-05-2021.

  • 20:00

    Osijek info, mozaična emisija

    Subota, 01-05-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Subota, 01-05-2021.

  • 22:30

    Općina Bizovac, reportaža

    Subota, 01-05-2021.

  • 23:00

    Osijek pita, informativna emisija (R)

    Subota, 01-05-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Subota, 01-05-2021.

  • 00:00

    Kraj programa

    Nedjelja, 02-05-2021.

  • 09:15

    Mamre, vjerski program (R)

    Nedjelja, 02-05-2021.

  • 09:30

    Produženi vikend, mozaična emisija (R)

    Nedjelja, 02-05-2021.

  • 10:30

    Dnevnik, informativna emisija (R)

    Nedjelja, 02-05-2021.

  • 11:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 02-05-2021.

  • 12:00

    To smo mi, putopisna reportaža (R)

    Nedjelja, 02-05-2021.

  • 12:30

    Svirajte mi tamburaši, glazbena emisija

    Nedjelja, 02-05-2021.

  • 13:00

    Budnica, talk show (R)

    Nedjelja, 02-05-2021.

  • 14:00

    Kratki rezovi, emisija o filmu (R)

    Nedjelja, 02-05-2021.

  • 14:30

    Zlato ravnice, poljopriverdna emisija

    Nedjelja, 02-05-2021.

  • 15:00

    Zdrava jabuka, sponzorirani program

    Nedjelja, 02-05-2021.

  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

    Nedjelja, 02-05-2021.

  • 17:40

    Mamre, vjerski program (R)

    Nedjelja, 02-05-2021.

  • 18:00

    Dnevnik, informativna emisija

    Nedjelja, 02-05-2021.

  • 18:30

    Glazbeni program

    Nedjelja, 02-05-2021.

  • 19:00

    TV Koktel, moziačna emisija (R)

    Nedjelja, 02-05-2021.

  • 20:00

    Impuls razvoja, emisija o gospodarstvu

    Nedjelja, 02-05-2021.

  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

    Nedjelja, 02-05-2021.

  • 22:30

    Osijek pita, informativna emisija (R)

    Nedjelja, 02-05-2021.

  • 23:00

    Dnevnik, informativna emisija (R)

    Nedjelja, 02-05-2021.

  • 23:55

    Kraj programa

    Nedjelja, 02-05-2021.

That is utilizing pay day loans?

The Ministry wished to discuss techniques to control alternate loan providers for folks who are “perceived” become at-risk; typically low earnings demographics. Ted makes use of the expressed word“perceived” to show the misinformation that exists concerning the heaviest users of payday advances. He points down that

We have all inside their mind that the inventors making use of loan that is payday are somebody in the absolute minimum wage task or they’re on social solutions plus they just – they’re really tight with regards to cash. The stark reality is, it is the middle-income group and they’re utilizing it to bridge shortfalls inside their income.

Every couple of years we compile data that identifies teams “at-risk” of filing insolvency.

The increase of quick cash installment loans allows you for folks to look online, borrow funds and repay it over a considerably longer time period. How many individuals making use of these kinds of loans spiked: that

everyone which had that variety of loan currently has loans that extralend loans online are payday well. Therefore, it is perhaps perhaps not that they’re deploying it as a substitute, it is along with existing payday loans.

Up-date : our latest research of pay day loan use among insolvent borrowers showed that usage of greater dollar AFS loans from payday loan providers (thought as loans $2,500 or maybe more) among our clients risen to 15per cent of most lender that is payday in 2018 from simply 1% last year. The increased use of the high price lines of credit and installment loans among individuals with low credit is of significant concern to us.

Exactly what are feasible solutions for regulating lending that is alternative?

Hoyes Michalos recently presented a directory of our issues and suggestions about Alternative Financial Services items and financing services and just how simpler to protect consumers into the Ministry. We addresses topics that are specific by the Ministry.

1. Micro-lending: The financing of smaller amounts of income.

  • Advantages: it gives borrowers the relief that they must pay bills without having to be rejected by conventional solutions. Also, the danger for spending interest that is high bigger loans decreases.
  • Cons: Funding this kind of financing is hard. The total amount of revenue that lenders would get will not get this to types of solution worth the price.

2. Peer-to-Peer Lending: a person with cash financing to an individual who requires that loan (in other words. through a web site).

  • Professionals: available loans which can be negotiated between people.
  • Cons: loan providers have to be in a position to afford to simply take the loss.These loans include high rates of interest as a result of the dangers connected with this type of financing. For borrowers, the possibility of a loan provider becoming aggressive increases due to the fact cash is being loaned by someone, not just a company that is regulated.

3. Cap on costs charged by loan providers: In Ontario, loan providers may charge $15 per $100 lent.

  • Pros: The limit decreases the total amount that loan providers can charge but at $15, it might maybe maybe perhaps not reduce the option of payday advances.
  • Cons: If capped too low, it might back push lenders underground so they is not controlled. Whether or not the limit had been set at $12 for every single $100 lent, the attention price would nevertheless be since high as 275% over per year. This solution alleviates an indication rather than the problem that is overall.

4. Lending Database: everybody whom gets a loan that is payday entered as a database and cannot take out an additional loan within thirty days for the first (for instance).

  • Advantages: Borrowers are logged and a limit is put in the level of loans that any particular one usually takes down in the past.
  • Cons: Does not deal with the first have to take out the loan and employ the solution. This sort of legislation might lead to loan providers to get underground where as we’ve stated it will be unregulated.

5. Requirement to spell out the price of that loan in real bucks (as opposed to percentages).

  • Advantages: customers become educated in regards to the level of financial obligation that they’re incurring. It could frighten some borrowers into making use of better economic supports.
  • Cons: individuals might not comprehend the implications of $15 per $100 lent and may even believe that they are able to anyway service the loan.

Impressum

DIREKTORICA I GLAVNA UREDNICA

Ružica Smolčić

031 400 000

urednik@ostv.hr

VODITELJ TEHNIKE

Dario Čakmak

rezija@ostv.hr

VODITELJICA MARKETINGA

Mirjana Mlinarević

031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development