• 09:30

    TV prodaja

    Ponedjeljak, 19-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 10:30

    Produženi vikend, moziačna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Ponedjeljak, 19-04-2021.

  • 13:30

    Zdrava jabuka, sponzorirani program

    Ponedjeljak, 19-04-2021.

  • 14:30

    U dobroj formi, magazin

    Ponedjeljak, 19-04-2021.

  • 15:00

    Zlato ravnice, poljoprivredna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 15:40

    Akademska četvrt, mozaična emisija (R)

    Ponedjeljak, 19-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Ponedjeljak, 19-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Ponedjeljak, 19-04-2021.

  • 17:15

    Osijek info, mozaična emisija (R)

    Ponedjeljak, 19-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Ponedjeljak, 19-04-2021.

  • 18:30

    Sportikos, sportska emisija

    Ponedjeljak, 19-04-2021.

  • 19:30

    City music, glazbena emisija

    Ponedjeljak, 19-04-2021.

  • 20:00

    Budnica, talk show

    Ponedjeljak, 19-04-2021.

  • 21:00

    Impuls razvoja, emisija o gospodarstvu (R)

    Ponedjeljak, 19-04-2021.

  • 21:30

    Vukovarska kronika, mozaična emisija

    Ponedjeljak, 19-04-2021.

  • 22:00

    After, emisija o elektronskoj glazbi

    Ponedjeljak, 19-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Ponedjeljak, 19-04-2021.

  • 00:00

    Kraj programa

    Utorak, 20-04-2021.

  • 09:45

    TV prodaja

    Utorak, 20-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Utorak, 20-04-2021.

  • 10:30

    TV Koktel, mozaična emisija (R)

    Utorak, 20-04-2021.

  • 11:30

    TV prodaja

    Utorak, 20-04-2021.

  • 11:45

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

    Utorak, 20-04-2021.

  • 14:00

    Sportikos, sportska emisija (R)

    Utorak, 20-04-2021.

  • 15:00

    Budnica, talk show (R)

    Utorak, 20-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Utorak, 20-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Utorak, 20-04-2021.

  • 17:00

    Vukovarska kronika, mozaična emisija (R)

    Utorak, 20-04-2021.

  • 17:30

    Akademska četvrt, mozaični program (R)

    Utorak, 20-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Utorak, 20-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Utorak, 20-04-2021.

  • 19:00

    City music, glazbena emisija

    Utorak, 20-04-2021.

  • 20:00

    Odaberi zdravlje, sponzorirani program

    Utorak, 20-04-2021.

  • 21:00

    Naš (g)rad, informativna emisija

    Utorak, 20-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Utorak, 20-04-2021.

  • 22:30

    TV Replika, kontakt emisija (R)

    Utorak, 20-04-2021.

  • 23:30

    Kraj programa

    Utorak, 20-04-2021.

  • 09:45

    TV prodaja

    Srijeda, 21-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 10:30

    Zdrava jabuka, sponzorirani program

    Srijeda, 21-04-2021.

  • 11:45

    Sportikos, sportska emisija (R)

    Srijeda, 21-04-2021.

  • 12:45

    U dobroj formi, magazin

    Srijeda, 21-04-2021.

  • 13:15

    Kultura 21, magazin

    Srijeda, 21-04-2021.

  • 13:55

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 21-04-2021.

  • 14:25

    TV prodaja

    Srijeda, 21-04-2021.

  • 14:40

    Glazbeni program

    Srijeda, 21-04-2021.

  • 14:55

    Naš (g)rad, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Srijeda, 21-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Srijeda, 21-04-2021.

  • 16:55

    Odaberi zdravlje, sponzorirani program (R)

    Srijeda, 21-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Srijeda, 21-04-2021.

  • 18:30

    Auto moto nautic vision, emisija o automobilizmu (R)

    Srijeda, 21-04-2021.

  • 19:00

    City music, glazbena emisija

    Srijeda, 21-04-2021.

  • 20:00

    Karte na stol, talk show

    Srijeda, 21-04-2021.

  • 21:00

    Osijek pita, informativna emisija

    Srijeda, 21-04-2021.

  • 21:30

    Zvjezdani show, zabavno - glazbena emisija (R)

    Srijeda, 21-04-2021.

  • 23:00

    Osijek info, mozaična emisija (R)

    Srijeda, 21-04-2021.

  • 23:30

    Dnevnik, informativna emisija (R)

    Srijeda, 21-04-2021.

  • 00:00

    Kraj programa

    Četvrtak, 22-04-2021.

  • 09:45

    TV prodaja

    Četvrtak, 22-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 10:30

    Glazbeni program

    Četvrtak, 22-04-2021.

  • 11:30

    Kultura 21, magazin

    Četvrtak, 22-04-2021.

  • 12:00

    TV prodaja

    Četvrtak, 22-04-2021.

  • 12:20

    U dobroj formi, magazin

    Četvrtak, 22-04-2021.

  • 13:00

    Naš (g)rad, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 14:00

    LifeStyle TV, magazin

    Četvrtak, 22-04-2021.

  • 14:55

    Karte na stol, talk show (R)

    Četvrtak, 22-04-2021.

  • 15:55

    Vijesti, informativna emisija

    Četvrtak, 22-04-2021.

  • 16:00

    TV Replika, kontakt emisija

    Četvrtak, 22-04-2021.

  • 17:00

    Zlato ravnice, poljoprivredna emisija (R)

    Četvrtak, 22-04-2021.

  • 17:40

    Akademska četvrt, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 18:00

    Dnevnik, informativna emisija

    Četvrtak, 22-04-2021.

  • 18:30

    TV Koktel, mozaična emisija

    Četvrtak, 22-04-2021.

  • 19:30

    City music, glazbena emisija

    Četvrtak, 22-04-2021.

  • 20:00

    Budnica, talk show

    Četvrtak, 22-04-2021.

  • 21:00

    Osijek info, mozaična emisija (R)

    Četvrtak, 22-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Četvrtak, 22-04-2021.

  • 22:00

    Dnevnik, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 22:30

    TV Replika, informativna emisija (R)

    Četvrtak, 22-04-2021.

  • 00:30

    Kraj programa

    Petak, 23-04-2021.

  • 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

    Osijek pita, informativna emisija

    Petak, 23-04-2021.

  • 21:30

    To smo mi , putopisna reportaža

    Petak, 23-04-2021.

  • 22:00

    Svirajte mi tamburaši, glazbena 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.

“We were out a pile of cash on that certain,” Flores claims. “That ended up being my breaking point. We told my boss, we should do this anymore‘ I don’t think. It’s a losing company.’”

As the self-storage facility part of Samca LLC is popular, Flores claims the organization asked for and ended up being awarded authorization through the state to get rid of accepting customers that are new continuing to loan to existing customers—a total of 10 to 15 borrowers.

In accordance with the DFI report, there are two main other payday loan providers in the Spokane area, although the report does not determine those businesses. Flores says the sole two other payday loan providers within the Spokane area she understands of are Spartanburg, Southern Carolina-based Advance America, that has a spot in Spokane Valley, and Moneytree that is seattle-based has one location in Spokane Valley and something in north Spokane.

“Other than that, we don’t understand anyone else would you them anymore,” Flores says. “A great deal of the companies have actually power down. I would personally assume they most likely turn off when it comes to reason that is same we’re maybe perhaps not (accepting brand brand brand new pay day loan customers) here — individuals aren’t trying to repay, plus it’s difficult to gather.”

Fazio claims fewer pay day loan clothes in Washington could lead some borrowers to check to banking institutions and credit unions for short-term loans.

In the last few years, federal agencies have already been motivating banks and credit unions to go to the loan space that is short-term. In mid-2018, the U.S. Department regarding the Treasury’s workplace associated with the comptroller of this currency issued a bulletin that encouraged banking institutions to supply “responsible short-term, small-dollar installment loans, typically two to one year in timeframe” to simply help satisfy customer need. The bulletin replaced a 2013 notice which encouraged banking institutions against small-dollar financing.

In October 2019, the nationwide Credit Union Association published a rule that expanded its initial Payday Alternative Loan program by having a program that is new PALs II. The expansion, which went into effect in December 2019, authorizes federal credit unions to supply small-dollar loans in bigger quantities as well as for longer terms, eliminates membership tenure demands, and restrictions credit unions to a single sort of a PAL loan at the same time.

There are several indications that the support could possibly be working. In 2018, U.S. Bank started providing small-dollar loans called Simple Loan, aided by the express reason for contending with payday lenders. Final thirty days, Bank of America announced Balance Assist, a short-term, small-dollar loan system planned to introduce starting in January 2021.

More recently, there’s been some turbulence in federal rulemaking regarding loans that are payday some customer teams state sets borrowers at an increased risk. On July 7, the customer Financial Protection Bureau revoked the online payday loans Georgia direct lenders underwriting that is mandatory associated with the bureau’s 2017 guideline governing payday, automobile name, and particular high-cost installment loans.

The first guideline, which had a conformity date of Aug. 19, 2019, determined that payday loan providers had to ascertain up-front whether a debtor could manage to repay that loan before issuing the mortgage via an underwriting process just like the procedure banking institutions used in determining whether a debtor are able home financing or any other loan that is long-term. In place, the rule banned loan providers from issuing a loan that is payday couldn’t be paid down completely by the debtor within a fortnight.

Revoking the guideline received the ire of a few lending and consumer groups, like the nationwide customer Law Center, which alleges that the revocation regarding the rule implies that CFPB is failing woefully to work with the very best passions of borrowers.

“At this minute of health insurance and overall economy, the CFPB has callously embraced a market that charges up to 400% yearly interest and makes loans once you understand they’ll put individuals in a financial obligation trap,” said Lauren Saunders, connect manager for the nationwide customer Law Center.

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