Loan shark philippines
Loan shark philippines
Loan shark philippines. Feb 9, 2023 · A loan shark works by offering financing to people who need quick cash or capital. Nov 25, 2022 · MGA URI NG HARASSMENT AT PANININGIL NA PWEDENG MAPARUSAHANSecurities and Exchange Commission (SEC) has taken steps to address the widespread use of abusive, Jan 12, 2019 · DAVAO CITY, Philippines — If there are persons President Duterte wants to kill other than those engaged in the illegal drug trade, they are the unscrupulous loan sharks who run the 5-6 money Ireport ang Loan Shark: Huwag mag-atubiling ireport ang loan shark sa mga awtoridad. Dec 21, 2017 · their debt or loans exceed PhP 100,000, than those from NCR, to be victimized by loan sharks and nancial scams (World . rate In November 2017, Save the Sharks Network Philippines (SSNP), a collection of 25 NGO’s, dive operators & businesses launched the 2020 Conservation Roadmap for Sharks and Rays in the Philippines. The Philippine Association of Loan Shark Victims Inc. May kaibigan kaming may pautang services. The loan shark kasi has the right to get paid. It’s crucial to understand how to manage your finances and communicate effectively with lenders to avoid such situations. Summary of Moneycat Loan Philippines Moneycat Philippines is an online lending platform Flexible loan amounts. Feb 23, 2023 · "Matagal nang hinaharap ng mga guro natin ang banta ng mga loan shark, at panahon nang kumilos tayo laban rito. , a licensed financing company with SEC Registration No. Find out how to report a loan shark in the rest of the UK. Rest easy knowing you Dec 11, 2022 · Doria said they immediately launched the operation after securing a Warrant to Search, Seize, and Examine Computer Data (WSSECD) from a court to search and seize pieces of digital evidence that were allegedly used by the loan shark company in its lending scheme with usurious rates. 31% annual percentage yield (APY) is accurate as of 7/11/2024 and subject to change at the Bank’s discretion. Members of the Philippine National Police Anti-Cybercrime Group Loan sharks can be found anywhere — in your neighbourhood, on the internet, or even through your personal network. Oct 31, 2022 · Loan sharks also expect the loan repayment in a short period. Victims of loan sharks converged in the Nepali capital Kathmandu on February 23 to protest their exploitation by predatory lenders. #9. Online loans allow you to apply for a loan at any time of the day. Loan sharks often take other illegal action to collect the money they've lent you, such as threatening violence or taking away your credit cards or valuables. Karaniwan, ang mga loan shark ay hindi nagtatago ng kanilang tunay na intensyon at may mga Dec 25, 2019 · How to Avoid Loan Sharks in the Philippines. Zaimoo Loan PH: Borrow up to 25,000 pesos at 0. Aug 22, 2023 · Types of Loans in the Philippines. Report a loan shark in England. Here is a quick service description: The first loan can come with a zero-interest. Is there legislation in place to protect customers from loan sharks? They do exist. Dec 15, 2023 · According to news reports, loan scams are predominantly seen in Mexico, Thailand, Indonesia, India, Pakistan, Colombia, Kenya, Singapore, and the Philippines. It effectively restricts loan sharks who often impose excessively high […] Apr 22, 2024 · This form of lending is commonly associated with unlicensed lenders or loan sharks and often carries exorbitant interest rates. A loan shark is an unlicensed moneylender who often targets families on low incomes or those who find themselves in difficult times. Jun 12, 2024 · In the Philippines, the proliferation of unregistered lending apps and loan sharks poses significant risks to borrowers. 01%, if the loan is repaid on time. Jan 8, 2022 · 0% interest rate. Feb 28, 2017 · Over 200 informal lenders have applied for registration before the Securities and Exchange Commission (SEC) after the government initiated a crackdown against loan sharks engaged in “five-six” and other usurious practices. This act sets forth comprehensive guidelines and regulations for lending companies to ensure fair and transparent lending practices. Anti-Usury Law (Act No. Nov 5, 2021 2:56 PM PHT Nov 1, 2023 · PAMPANGA, Philippines – It was in the middle of 2022 when Jean, Kikay Bautista, a family breadwinner and call center agent, was also deep in debt from online loan sharks. They often target vulnerable people and groups such as the unemployed, small business owners, and those with poor credit ratings. Aug 21, 2024 · In This Article. Exorbitant loan fees that are inexplicable and unjust. Jul 16, 2024 · Loan sharks are prevalent in the Philippines and are a major source of financial distress for many Filipinos. Discover strategies such as researching and comparing lending institutions, seeking advice from financial experts, building a strong credit history, exploring government programs and microfinance institutions, and creating a budget and emergency fund. Oct 28, 2023 · A loan shark is a person or company that offers loans at very high interest rates and uses blackmail and threats to collect debts. Aug 20, 2019 · A kidnapped mainland Chinese man has been rescued from a loan shark syndicate by Philippine police, in what they say is the 53rd case of casino-related abductions by fellow Chinese nationals since Jan 28, 2022 · Sangla ATM and 5-6 loan sharks are known as two shark loans in the Philippines. com Jan 24, 2024 · Dealing with loan sharks in the Philippines can lead to devastating consequences, including exorbitant interest rates, threats, and potential identity theft. To fit your budget, you can choose a loan term of 12, 18, 24, 30, or 36 months. Loan sharks, iba pang online lending scams paiimbestigahan ni Gatchalian Paiimbestigahan ni Senador Win Gatchalian sa Senado ang mga naglipanang loan sharks at online lending schemes ng mga kumpanyang hindi sakop ng regulasyon ng Bangko Sentral ng Pilipinas (BSP) at Securities and Exchange Commission (SEC). Finbro loans are a reputable and dependable choice for anyone in the Philippines in need of financial support. Kviku Loan PH: Fast loans all over the Philippines within 24 hours. Sep 15, 2022 · Digital loan sharks are preying on borrowers in this perfect storm of pandemic, social isolation, soaring inflation and unemployment, and light-touch government regulation on the fintech boom. 2031): This law sets the maximum interest rate that lenders can charge borrowers. ? Is it legally and culturally accepted that People from India, go to the Philippines to work as a loan shark and loan money to poor filipino people. Sketchy lenders, or loan sharks, usually have high interest rates. Loan sharks may target consumers who lack access to legitimate creditors. " The action is set to take place at the PNP Anti Cybercrime Building, Camp Crame, QC, at 11 am on Saturday, June 17, 2023. ” Because micro-credit financiers charge high interest rates, the term “5-6” can also invoke the image of a loan shark. I want to help her pero di ko rin alam paano sya tulongan. It means may kaso na against her by the loan shark. In this article, CashExpressPH will delve into Moneycat Philippines, evaluating its legitimacy, loan requirements, customer feedback, and potential concerns regarding harassment. pay the smallest loan first para hindi rin mabigla sa finances niyo you can use her uncle’s 5k pesos to pay for some of the loans din find another part-time job for the mean time sell things na kaya niyong i-benta ask for financial assistance sa friends niyo (you can tell them na babayaran niyo sila sa sahod niyo) Sep 22, 2021 · Payday loan companies such as Money Mart, Eazy Loans, and CashMax are examples of modern-day loan sharks. Year 2019, umutang ang friend (A) ko ng 30,000 sa friend (B) with a 10% interest, monthly. Mar 30, 2019 · Philippines: Indian people working as Loan Sharks. 2. 454 Series of 2004, prohibiting Apr 24, 2022 · Sharks In The Philippines. These unscrupulous lenders often resort to aggressive tactics to recover their funds, including harassment, threats, and, in extreme cases, violence. The Philippines has witnessed a concerning surge in online loan shark operations, leading to widespread harassment of borrowers. is a legitimate loan provider specializing in micro and consumer financing in the Philippines. M deals with "the rich" - people borrowing higher values to fund house renovations or to get a business out of difficulty. 1132, and a registered operator of payment system, with OPS Registration No. Philippine Alliance Against Loans Sharks inc. From PHP20,000 to PHP1,000,000. Since you realize how to find a loan shark, it's simpler to abstain from falling snare to any unlawful and damaging loaning plan. They then charge ridiculously high interest rates with unreasonable repayment terms. In 2018, the Republic Act No. Jul 17, 2024 · 5. Jan 10, 2019 · MANILA, Philippines — President Rodrigo Duterte on Thursday threatened to kill loan sharks engaged in the infamous “5-6” money lending scheme that was perceived to have roped many poor Jun 16, 2023 · The Philippine Association of Loan Shark Victims Inc. Apart from not paying taxes, they are also likely to be loan sharks—while they may not be violent, they charge interest rates that are not compliant with Philippine laws. Though microenterprises want to get out of loan sharks due to very high-interest imposition and adverse effects; financial literacy, savings mobilization, behavior We would like to show you a description here but the site won’t allow us. 2031) This pivotal law establishes a cap on the interest rates that lenders can charge, thus curbing the practice of usurious lending. Minimum deposit required to open an account is $500 and a minimum balance of $0. 000, if borrower pay back in due time. Bank 2015; stated the other argument that in the Philippines May 28, 2024 · Online Loans Pilipinas Financing Inc. May 4, 2021 · A Facebook group was formed by Perfecto Bordallo who has also previously been a victim of loan sharks. #11. In the Philippines, there are two Indian communities – Sikh and Sindhi. Jul 31, 2024 · Loan sharks are predatory lenders who offer small, short-term loans at exorbitant interest rates. Similar demonstrations were Money lenders who aren’t authorised by the Financial Conduct Authority (FCA) are breaking the law. Apr 12, 2021 · The increase in loan sharking has coincided with the withdrawal of traditional sub-prime lenders and local welfare assistance schemes, and the low penetration of Credit Unions in many areas. Jun 6, 2018 · Billionaire John Gokongwei, owner of the Philippines’ largest snack maker and budget airline, and a Skype Inc. For example, if you need a Loan sharks. Legal Framework and Penalties: The '5/6' lending practice is generally considered illegal under Philippine law because it violates regulations against usurious interest rates and unregistered lending activities. Here’s a structured approach to navigate it: Stop Making Payments: Don’t make any further payments to the loan shark, especially under duress. Dealing with this type of lender can land you May 7, 2024 · Loans Finbro loans. If you're 22 to 70 years old, employed, and have a valid e-wallet or bank account, you can apply for this loan online and receive the money instantly. National Bureau of Investigation (NBI): Maari mong ireport ang loan shark sa NBI para sa mas malalim na imbestigasyon. Apply loan online with Digido and solve your urgent financial issue right now. Formerly PALSV. Cash-based transactions; 2. In order to avoid being scammed by a loan shark, it is important to always read and understand the terms and conditions of any loan agreement before agreeing to it. Jul 24, 2023 · Binixo Loan PH: The first loan is possible from 1000 to 25000 with a commission fee of 0. For example, a loan shark might lend $10,000 to a person with the provision that $20,000 be repaid within 30 days. Feb 6, 2024 · Learn how loan sharks operate in the Philippines, what are the illegal lending practices, and how to fight loan shark harassment. Edit: About the loan shark "doing anything to her," it looks like dumaan siya sa korte and took a legal action against her. Aug 29, 2019 · MANILA, Philippines - The country’s gaming regulator has announced a plan to regulate casino financiers believed to be behind a spate of kidnappings of gamblers unable to pay the loan sharks on Aug 23, 2024 · Crezu is another reliable loan app in the Philippines that doesn’t care much about a borrower’s credit history and approves loans from Php 1,000 to 25,000. Remember these tips when acquiring cash to abstain from managing an advance shark: Quit executing with a lender that hints at being a loan shark. Kung gusto mo pang makautang sa rest ng buhay mo, makipagugnayan ka sa lenders mo at magkasundo sa isang payment plan na kaya mo. They provide fast cash, but in exchange, borrowers suffer from excessively high interest rates of up to 20% or more and in many cases would have to surrender their ATM card linked to their payroll account as collateral. CS201710582 and Certificate of Authority No. co/help or interact through the official Tala app. (PALSVI) has announced that it will file a mass complaint against what it deems as "abusive and illegal online lending predators. OPSCOR-2023-0010. Is a loan shark illegal in the Philippines? Loan sharks are illegal and unregulated lenders. A secured loan is a loan in which the borrower pledges some asset, or collateral, as a guarantee for the loan. Apr 15, 2024 · Binixo Loan PH: The first loan is possible from 1000 to 25000 with a commission fee of 0. Loan Shark Scams - Fraudsters who commit loan shark scams pose as legit lenders to inexperienced borrowers. It is specifically designed to combat loan sharks who often impose exorbitant and illegal interest rates on their borrowers. Main Laws. What is loan sharks? The government of the Philippines has taken steps to crack down on loan sharks. Proudly created with Wix. See full list on thepinoyofw. Jul 23, 2024 · Narito ang ilang mahahalagang hakbang na maaari mong sundin kapag ikaw ay nangungutang upang hindi ka maloko ng mga loan shark: Iwasan ang Pakikitungo sa mga Loan Shark: Iwasan ang pag-transact sa mga nagpapakita ng palatandaan ng pagiging loan shark. . It issued BSP Circular No. They are known as loan sharks. Most bank loans charge between 3% to 10% interest rates on typical loans. Report a loan shark. The interest rates rise with the risk attached and a guarantor is often When this happens, the victim becomes responsible for repaying that loan while the fraudster gets all the borrowed cash. 11469, or the Anti-Usury Law, was passed. Feb 4, 2024 · According to DSWD director and 4Ps program manager Gemma Gabuya, beneficiaries should avoid dealing with loan sharks or pawning their cash cards in exchange for loans. Sa mga bansang matino, bawal sila. Hence, dealing with a loan shark in Singapore is illegal. It is said that they have up to 20,000 members – all of them air the same complaint. They include: 1. You can’t simply lend money and impose any interest rate you choose. Apr 26, 2021 · MANILA, Philippines — The justice department has issued a public advisory for those at the end of harassment and unlawful debt collection practices from online lending companies. These “ah longs” are often members of organised crime syndicates and their funds usually come from unidentified sources. Keep yourself safe from loan sharks by only choosing registered, licensed, and legitimate lenders. Both are unlicensed companies or individuals lending shady short-term loans with very high-interest rates, which can be approximately 20% or over 20% depending on the borrowers’ amount of money. 3 3. Loan sharks have long operated on housing estates in poorer areas, but increasingly use social media to drum up business and threaten clients, says Ms Williams: "It means a loan shark based in Dec 12, 2022 · MANILA, Philippines — Police have arrested more than 80 people for allegedly operating an illegal online lending agency in Manila. Exorbitant interest rates; 2. 2 2. “We conduct spot checks We! fight As One, against OLA Lending Financing Syndicate Illegal Modus Fraud, Exorbitant,Coertion, Harassment, Threat,Debt shamming, humiliation, scamming, unfair debt collection act,data privacy Learn how to avoid loan sharks in the Philippines and find safer alternatives for your borrowing needs. Oct 15, 2021 · In the Philippines, the most common unauthorized lenders are loan sharks. There is legislation in the Philippines that prohibits loan sharks. Are Instant Loans in the Philippines Legal? You may be wondering, “Are fast cash loans legit?” This question can only be answered by looking at your lender. Mina borrowed from as many as 20 OLAs when her pockets went empty and she had no one to turn to. [1] Jun 17, 2023 · A group of victims who were harassed and intimidated by online lending platforms' collection agents filed various complaints before the Philippine National Police Anti-Cybercrime Group on Saturday. Ang sabi ni B pay whenever you can d ©2022 by Philippine Association of Loan Sharks Victims Inc. The raid was conducted in Barangay 497 in Sampaloc district. For any questions or concerns, please visit gotala. Aug 24, 2024 · A loan shark Philippines is an unauthorized and clandestine money lender. You can report a loan shark anonymously. The Aug 23, 2024 · Loan sharks Philippines, another form of illegal lending, provide loans with extraordinarily high interest rates and might resort to threats or violence for debt collection. Choice of loan terms. Loan sharks are not hard to spot since most of them operate under the same pattern. 01% today! #12. Tala is operated by Tala Financing Philippines Inc. Conventional perceptions of loan sharks and their relationships with victims are largely incorrect. The Lending Company Regulation Act of 2007 serves as one of the cornerstones in the fight against loan shark harassment in the Philippines. Their predatory practices often leave individuals feeling trapped and overwhelmed. Here’s a breakdown of the key legal framework: Main Laws: Anti-Usury Law (Act No. Encountering a loan shark in the Philippines can be a daunting and distressing experience. Protect yourself by knowing your rights, recording transactions, and reporting harassment to authorities. Nov 5, 2021 · SEE ALL PHILIPPINES; Philippine News; Metro Manila; Luzon; Visayas; Mindanao; Overseas Filipinos; SEC stops new online lending apps as loan sharks shame Filipinos. Gather Evidence: Document all instances of […] A loan shark is a person who offers loans at extremely high or illegal interest rates, has strict terms of collection, and generally operates outside the law, often using the threat of violence or other illegal, aggressive, and extortionate actions when seeking to enforce the satisfaction of the debt. Filipinos usually refer to people with South Asian features, regardless of actual nationality or origin, as “Bombay. Moneycat is a financial app that has gained popularity for its quick and convenient online borrowing options in the Philippines. Additionally, loans extended with fraudulent intent, involving illegal contract clauses, or not adhering to lending regulations also qualify as illegal loans. While the details may vary, the general ploy is the same: A customer is coaxed into taking an instant loan which can be approved and deposited into the borrower’s account at great speed. Loan sharks are not licensed and operate outside the law. Umaasa akong mas marami pang mga abogado ang mag-aalay ng kanilang tulong sa kanila (The threat of loan sharks has been a persistent problem faced by teachers, and it is high time for us to fight this. There are a lot of Filipino people who have been victimized by online lending apps namely PondoPeso, UPESO, Crazy loan, Handyloan/Cashlending, Paghiram, Pera4u, PeraLending, Cashwagon, MFCash, One Cash, Super Cash, Fastcash Aug 16, 2024 · There is a problem with illegal loans because these operators are not registered. Help fellow countrymen who are victims of debt shaming and harassment of illegal and abusive lending. Mar 21, 2024 · Related article: Predatory Lending: What are Loan Sharks and How to Avoid Them? What are the regulatory agencies that determine unfair collection practices? The Bangko Sentral ng Pilipinas (BSP) regulates banks, credit card companies, and their collection agencies in the Philippines. Jun 14, 2018 · Right in front of the Department of Finance along Roxas Boulevard’s service road, there used to be a makeshift sari-sari store — made from a hodgepodge of plywood and recycled tarpaulin . Conclusion. com. Their interest rates are likely exorbitant, and paying only feeds the cycle. Why is Aug 11, 2019 · We, the citizens of the Philippines is signing this petition to appeal to your office to ask for immediate assistance. (PALSVI) led by its founder Vanessa Burdeos, trooped to Camp Crame to file cyberbullying, harassment, grave threat, and data privacy violations I have friend and ito yung story nya. Threats and violence Apr 11, 2024 · Fight Loan Sharks Harassment in the Philippines. 01 fight against unscrupulous online lending financing syndicate modus Petition To Stop Loan Shark. Narito ang ilang opsyon: Philippine National Police (PNP): Mag-file ng police report sa pinakamalapit na istasyon ng pulis. She has a legal obligation to pay the loan shark and that person brought that case to court, which is why she has a subpeona. 4Newspaper articles describing loan shark activities - their clientele, lending procedures and harassment strategies - in China, Malaysia and Vietnam are similar to those in Singapore. The Roadmap tackles the complex issues surrounding shark conservation through 4 conservation pillars: research, communication, community engagement Jun 11, 2024 · Related reading: How to Get an Emergency Loan in the Philippines ASAP. For one thing, the Philippines’ constitutional interests are controlled. Digido Philippines - 0% interest rate for the 1st time loan up to PHP 25. Worst, he added, lending firms were able to access and hack the personal data of borrowers and their contacts. The Department of Justice (DOJ) Cybercrime Office recently issued a public advisory against what it calls unfair debt collection practice and cyber harassment. The most common examples of a loan shark in the Philippines are 5-6 lenders, sangla ATM lenders and other informal lenders. Here’s a comprehensive guide to help you navigate this challenging situation and regain control: Aug 5, 2020 · Hong Kong police on Wednesday cracked down on a loan shark syndicate that had been preying on Filipino domestic workers headed to the city, lending them HK$23 million at interest rates as high as Binixo Loan PH: The first loan is possible from 1000 to 25000 with a commission fee of 0. In this way, a loan shark makes money by gaining high levels of interest in a short period. Aug 18, 2024 · The Philippines has several laws in place to combat loan sharking and protect borrowers from predatory lending practices. Are there alternatives to borrowing from a loan shark? There are safer ways to access money or cover expenses even if you are on a low income or have a poor credit rating. For Filipinos interested in stocks, bonds, mutual funds, ETFs, forex, crypto, banking, business, insurance, and any other topic related to investing money, making money, or growing money in the Philippines. She started Jun 25, 2023 · Senator Sherwin Gatchalian, in an interview with radio station DZBB, said he has been receiving complaints from borrowers who experienced harassment from loan sharks on top of high-interest rates that range from 10 up to 40 percent. 1 1. Online Loan Advantages 👍 24/7 Online Application. Mar 28, 2022 · MANILA, Philippines — The Securities and Exchange Commission (SEC) will form a unit focused on lending companies, including loan sharks, amid the increasing number of consumer complaints against Nov 2, 2023 · MANILA, Philippines– Online loan sharks have trapped thousands of Filipinos into a vicious debt cycle with their high interest rates and short payment terms. The rise of informal borrowing and illegal lending practices in the Philippines highlights the need for consumer protection measures and safer financing options. Are legit online loan apps in the Philippines a good option for those with financial emergencies? Keep reading to better understand the benefits and risks of online loans. Defaulting on loans can have severe consequences, from impacting your credit score to legal action. While, not surprisingly, newspaper reports focus on one end of the distribution of loan shark behavior, the similarity in the reports Apr 1, 2024 · Subscribe for ads-free reading. There are thousands of them in Singapore alone. Apr 11, 2024 · Loan sharks in the Philippines pose a significant threat to vulnerable individuals seeking financial assistance. bottom of page May 14, 2024 · Pros and Cons of Online Loans in the Philippines. Sa mga bansang mas matino, may public education and support programs sa mga baon sa utang. Loan sharks are different, as most of these are run by organized crime syndicates. 4,476 likes · 9 talking about this. Licensed moneylenders are regulated by the Financial Conduct Authority (FCA) and must follow the FCA's codes of practice. Aug 18, 2015 · Philippine Loan Sharks Tested by New Rivals Financial services fueled by soaring smartphone use are starting to challenge the dominance of illegal lenders and pawnshops as the country’s dominant Jan 14, 2017 · Instead, they borrowed more from informal sources: 62% borrowed from family members, relatives, and friends, while 10% borrowed from informal lenders like loan sharks and 5-6 lenders. There are many types of loans in the Philippines, but before you know the most common ones, you first need to understand the difference between secured and unsecured loans. I hope someone can tell us what to do. A range o … Loan shark apps exist because the community through its elected leaders let them exist. Some of the most frequent attributes of five-six lenders are the following: High-interest rates as compared to legitimate financial institutions. The loan shark may offer financing at unlawfully high rates of interest and may threaten violence to coerce borrowers into accepting and complying with illegal terms and conditions. 1 Borrowing from Loan Sharks with Bad Credit; 2 Identifying and Avoiding Loan Sharks. Though microenterprises want to get out of loan sharks due to very high-interest imposition and adverse effects; financial literacy, savings mobilization, behavior towards business development, and access to proper capital borrowing schemes geared toward higher business performance, long-term sustainability, and profitability are essential. Finbro Loan PH: Instant Online Loans up to 50 000 in Philippines #10. They offer loans with exceptionally high interest rates, typically providing borrowers with 5 pesos for every 6 pesos borrowed. These entities often operate outside the bounds of legal regulations, leading to exploitative practices and severe consequences for those in financial distress. Finbro accommodates a variety of financial demands and circumstances with a range of loan amounts accessible, from PHP 1,000 to PHP 50,00 0, and flexible repayment terms of up to 12 months. It is also common for a loan shark to call for the debt to be repaid before the scheduled repayment period has ended. How to Avoid Defaulting on loans in the Philippines. founder will invest as much as $200 million over three years to lend to millions of Aug 18, 2024 · Dealing with a loan shark in the Philippines can be a stressful and frightening situation. To ensure secure loan transactions, opt for reputable lenders such as banks and the legit online loan apps listed below. I am hoping that more lawyers Oct 8, 2014 · Common qualities of loan sharks. 00, you can borrow up to three times your monthly income. The SEC said this was among the initial results of the investigations conducted by the teams it had dispatched in October last year in […] Nov 7, 2023 · Loans from loan sharks charge interest rates far above any regulated rate. Credit card interest rates generally range between 12% and 28%. Find out where to report loan sharks and what are your rights as a borrower. jouc fvgsgf iwsa yzzs ltcsw wodu zway xec qamdebf woik