Dec 20, 2006 (CIDRAP News) – Vietnam’s first major outbreaks of H5N1 avian influenza since last year struck two poultry farms in the southern Mekong Delta recently, government officials reported yesterday.Vietnamese veterinary officers filed reports on the outbreaks yesterday with the World Organization for Animal Health (OIE). One in Ca Mau province began Dec 6, killing 2,523 unvaccinated chickens and duck chicks. Another in Bac Lieu province began Dec 7 and killed 3,550 unvaccinated 1-month-old ducks.The reports to the OIE said 2,400 poultry had been culled on the two farms and that the source of the infection was unknown.Hoang Van Nam, deputy director of the Department of Animal Health, told the Associated Press (AP) yesterday that the risk of the virus spreading in the area was high because farmers had dumped dead ducklings into canals.In a Bloomberg News report today, Nam faulted farmers for not reporting the poultry deaths sooner and said local animal health officials and farmers had neglected to maintain the poultry vaccination program in the area. “They thought the disease had gone away,” he said. Deutsche Presse-Argentur reported yesterday that the birds had not been vaccinated because they were hatched illegally.The country has been one of the hardest hit by avian flu; it has had the highest number of human cases, 93, and had the most human fatalities until August, when Indonesia took the lead. Widespread poultry outbreaks prompted the culling of 66 million birds to prevent the spread of the virus.However, in 2005 the country became the first to institute mandatory nationwide poultry vaccination. No new human cases have been reported since November 2005, and before the recent outbreaks, reports of infected poultry had slowed to a trickle.International experts have held Vietnam up as a model for its aggressive avian flu prevention efforts, which also include banning poultry rearing and live-market sales in urban areas, restricting commercially raised ducks and quail, strictly controlling poultry transport within the country, and compensating farmers for culled birds.Experts probe South Korea outbreaksElsewhere in Asia, a 9-member crisis management team from the OIE and the United Nations Food and Agriculture Organization (FAO) is on a 10-day mission to South Korea to investigate the H5N1 outbreaks in poultry that occurred south of Seoul in late November.The mission is the first full-scale deployment of the FAO-OIE crisis management team since it was launched in mid-October at FAO headquarters in Rome, according an FAO press release yesterday. The trip is scheduled to end tomorrow.The Korean government invited the team to evaluate the risk of further disease spread in South Korea, according to the FAO. The team includes international and Korean veterinary epidemiologists, wildlife veterinarians, biologists, and poultry specialists. They will be looking for any wild bird deaths on affected farms or adjacent wetlands and collecting environmental samples.The FAO said if time allows, the team will also investigate other disease angles, such as how dead birds, eggs, and manure are handled and the role that fencing, cages, vehicles, and water might have played as sources of infection.Bird deaths raise fearsIn other developments, recent bird deaths in Idaho, France, and Russia raised fears of avian flu, but media reports said the disease was ruled out in all three instances.In Idaho last week, 2,000 mallard ducks found dead along a creek in the southeastern part of the state died of an infection after they ate moldy grain, Reuters reported on Dec 15. Paul Slota, a wildlife expert at the US Geological Survey’s National Wildlife Health Center in Madison, Wis., told Reuters that the ducks probably died of the fungal infection aspergillosis and that further testing is planned.At a farm in eastern France, 4,000 chickens died suddenly on Dec 16, raising avian flu fears. However, the AP reported yesterday that the French agriculture ministry determined that the cause of death was asphyxiation due to a malfunctioning ventilator.In St Petersburg, Russia, the deaths of two geese prompted the closure of a zoo, according to a Reuters report yesterday. Russian sanitary expert Gennady Onishchenko told Interfax news agency that samples taken from the geese tested negative for avian flu. Reuters said the zoo would remain closed until the end of the year.See also:OIE notification reports on H5N1 poultry outbreaks in VietnamOct 25 CIDRAP News special report “Vietnam’s success against avian flu may offer blueprint for others”Dec 19 FAO press release on deployment of crisis management team
Jun 8, 2007 (CIDRAP News) – Health ministers from Asia-Pacific Economic Cooperation (APEC) nations, wrapping up a 2-day meeting in Sydney today, promised to share H5N1 avian influenza samples.In other developments, English officials yesterday reported another outbreak of the low pathogenic H7N2 avian flu at a small farm not far from the site of a recent outbreak in Wales. Elsewhere, Malaysian officials announced an H5N1 outbreak near Kuala Lumpur, and Vietnam said recent outbreaks of the virus have spread to 16 provinces.APEC health ministers discuss H5N1In a statement released at the end of the 2-day APEC health ministers’ conference today, the ministers pledged to continue supporting WHO influenza surveillance with the timely sharing of virus samples. APEC’s 21 members include many of the countries that have been hardest hit by avian flu, including Indonesia, China, and Vietnam.Their statement acknowledges the concerns that Indonesia and other developing countries have about equitable access to pandemic vaccines. “We aim to ensure and promote the transparent, fair, and equitable sharing of benefits arising from the generation of information, diagnostics, medicines, vaccines, and other technologies associated with the sharing of virus samples,” the ministers said.The concerns came to a head this year when Indonesia withheld its H5N1 samples for about 5 months. In mid May, Indonesia said it had resumed sending sample to the WHO. At the World Health Assembly in late May, the WHO adopted a resolution calling for an international H5N1 vaccine stockpile, a system for fairly distributing the vaccines, and a group to draw up “terms of reference” for virus sharing.Tony Abbott, Australia’s health minister and chair of the APEC conference, said he was pleased that Indonesia was part of the latest agreement, according to an Associated Press (AP) report. “We need to see exactly what is happening to this virus, because if we’re unable to continually track it, we’ll be unable to monitor the possibility of rapid mutation to something that could be effectively transmissible human-to-human,” he told the AP and other reporters.Also at the APEC meeting, a senior WHO official warned that the H5N1 virus is mutating rapidly and unpredictably, the Australian Associated Press (AAP) reported today.Shigeru Omi, WHO regional director for the Western Pacific, told AAP, “The virus is already entrenched, embedded in this part of the world, and it has been very, very unstable and changeable.”Omi said the virus has evolved from two distinct groups into four subgroups, adding, “And I would not be surprised to if we end up with more subclasses in the years to come,” he said.Though the current mutations have not clearly increased the likelihood of human-to-human transmission, they do show that the virus is “risky”, Omi told the AAP. “The longer the virus lasts, the more chance such a mutation will occur. It’s simple mathematics,” he said.Countries report more poultry outbreaksThe Department of Environment, Food and Rural Affairs (DEFRA) in Britain announced in a statement yesterday that surveillance testing on a small farm in St. Helens in northwestern England, in the wake of a recent low pathogenic H7N2 avian flu outbreak in Wales, showed that poultry there were infected with the same subtype.DEFRA said the birds at the farm were purchased at a market in Chelford that was linked to the earlier Welsh outbreak. According to a recent British Health Protection Agency (HPA) statement, the Welsh outbreak was linked to four confirmed human cases—two from Wales and two from England, all mild. The two English patients had purchased poultry from a source associated with the Welsh cases, the HPA statement said.Fred Landeg, DEFRA’s chief veterinary officer, said in the statement that surveillance of farms around the area was extensive, and the St. Helens farm is the only place where poultry have shown evidence of H7N2 infection. Animal-health officials placed a 1-km restriction zone around the farm, are tracing bird movements and contacts, and are making plans to cull the birds. Media reports say the farm has a small number of chickens, ducks, and peacocks.Meanwhile, veterinary officials in Malaysia confirmed an H5N1 avian flu outbreak 3 days ago near Kuala Lumpur, Agence-France Presse (AFP) reported yesterday. Authorities culled 1,359 birds around the affected village, the AFP report said. The outbreak is Malaysia’s first since February 2006, according to reports from the World Animal Health Organization (OIE).Kamarudin Mohammad Isa, a disease control specialist at Malaysia’s department of veterinary services, told AFP the affected birds included chickens and quail and that authorities had not yet determined the source of the virus.There were no confirmed reports of human H5N1 cases, Health Minister Chua Soi Lek told AFP. However, another AFP report today said five Malaysians from the outbreak village have been hospitalized with influenza symptoms. Malaysia has never had a confirmed human H5N1 case.In Vietnam, the number of provinces reporting recent H5N1 outbreaks in poultry rose to 16, Reuters reported yesterday. The country’s animal health department said 240 ducks died in Phu Tho province in northern Vietnam.Three Vietnamese patients were hospitalized with suspected avian flu, Xinhua, China’s state news agency, reported yesterday. They were admitted to the Tropical Disease Hospital in Hanoi, and their test results were expected in 2 or 3 days, the report said.After a nearly 19-month hiatus in human H5N1 infections, Vietnam recently reported cases in a slaughterhouse worker and a 30-year-old farmer. Both are said to be recovering, and their cases are awaiting WHO confirmation.Few Indonesians see avian flu as threatA survey of Indonesians’ attitudes about avian flu revealed that 97% were aware of the virus, but only 15% saw it as a direct threat to them or their families, the Jakarta Post reported yesterday.”Many people still say ‘I know the that the disease is dangerous, but it’s other people’s problem, not mine,'” said Bayu Krisnamurthi, head of the Indonesian National Commission for Avian Influenza and Pandemic Preparedness, the group that released the data.Indonesians should learn from the Egyptians, who have a lower human death toll because they seek immediate medical care, he told reporters, according to the Post report.Commission data show that the human death rate in Indonesia from June 2006 to May 2007 rose to 86.4%, from 74.5% the previous year, the Post reported.About 57% of Indonesia’s avian flu patients had contact with dead or infected poultry, 29% lived near poultry farms where sick or dead poultry were reported, and 1% had contact with poultry feces, the commission said. For 13% of patients the source was not known.Only two of Indonesia’s 33 provinces—North Maluku and Gorontalo—remain free of the disease, the report said.See also:APEC health ministers’ statement
This year, the Croatian Chamber of Commerce is once again organizing a specialized project Let’s buy a Croatian-Croatian product for Croatian tourism, which will take place on November 22nd and 23rd at the Plaza Event Center (formerly HYPO Center) in Zagreb.The Chamber will ensure the response of the largest hotel chains, independent hotels, small and family hotels, caterers and other providers of tourism services from the territory of the Republic of Croatia as partners in this action.. The action will be joined by key representatives from the field of trade as potential distribution channels and companies from the financial sector and other key participants.As part of the first day of this event, an expert panel discussion of all key departments (competent state administration bodies and the economic sector) will be held, which contribute to the development of Croatian tourism, with leading businessmen from the world of tourism, trade and food industry. The name of the panel is Domestic Product – the key to recognizability of Croatian tourism, and the goal is to educate and raise awareness of the general public about the importance of buying Croatian products and sewerage and products and services in this case to the tourism sector, thus preserving existing and creating new jobs. and Croatian tourism acquires the characteristics of recognizability of Croatian quality.The key part of the action are B2B meetings of exhibitors, representatives of the trade sector as distribution channels and representatives of the tourism sector planned for the first day, 22.11.2017. in the early afternoon. The action will open its doors to citizens and group visits to schools and colleges so that representatives of the youngest school and student population can see, touch, taste, but also buy Croatian products, they point out from the Croatian Chamber of Commerce and invite all Croatian producers, tourism service providers and citizens to their participation supports this initiative. For participation in the exhibitor status as well as more information see here
It is a well-known fact that the labor market of the Republic of Croatia lacks manpower for work in the tourism and catering sector. Therefore, a month ago, the Government of the Republic of Croatia amended the Decision on determining the annual quota of permits for the employment of foreigners for the calendar year 2018, which increased the number of permits in the tourism and catering sector. Thus, the number of licenses in the tourism and catering industry increased from 4660 licenses to 8660 licenses, and the increase of 4000 licenses relates to the profession of “assistant worker in tourism”, 3000 for new employment and 1000 for seasonal work for up to six months.But there are still problems, and so on The Association of Caterers Zagreb (UUZ) wants to point out another in a series of problems that plague caterers at the level of the city of Zagreb, but also the entire country. As they point out from UUZ, the mentioned mechanism is mostly aimed at countries whose standard is significantly lower than the living standard of the Republic of Croatia, mainly Serbia, Montenegro, Bosnia and Herzegovina, Albania, Ukraine and they add that although it seems like an ideal solution for employers who chronically lack manpower, the system in this case does not function fast enough. Hiring foreigners is easier if you already have a worker you want to hire before the season. In that case, at least 20 days, and in some cases up to 3 and a half months, will pass from the submission of documentation to the Ministry of the Interior to obtaining a permit. Of course, that time period is too long if the season has already begun and you urgently need someone to work with. “I submitted the documentation for obtaining a residence and work permit at the beginning of February 2018 for two workers from Bosnia and Herzegovina. Permits were issued only in mid-May 2018. The period of almost three and a half months is alarmingly long. The procedure needs to be speeded up“States long-time caterer Dražan Marjan Ivančić.”We like to say that Croatia is a tourist country, which means quality catering service. Without an adequate number of workers, as a fundamental prerequisite for maintaining service quality, the growth rates we see in recent years will be impossible to maintain. Although the season is already in full swing, caterers in the area of Zagreb, but also the entire country, are struggling with absurdly long waits for permits for foreign workers. We appeal to the competent institutions to speed up the bureaucratic process so that the quality of service remains at the level we are happy to emphasize.“Points out Franz Letica, president of the Zagreb Association of Caterers. One is the form and the other is the content or implementation. Also, if the civil servants who pass and implement the Laws spent just one day bursting in the real sector, a lot of things would be clearer and more efficient. This is how everything falls on the first step, responsibility is shifted, papers travel from office to office, from drawer to drawer, while the whole market economy suffers chronically due to the inefficiency and slowness of the whole system. The system ie the state that should be supporting the market, not the other way around.RELATED NEWS:INCREASED NUMBER OF PERMITS FOR EMPLOYMENT OF FOREIGNERS IN TOURISM AND HOSPITALITY
The Minister of Regional Development and European Union Funds, Gabrijela Žalac, signed contracts in Rijeka on Monday for the projects of the Interpretation Center for Natural Heritage of the Primorje-Gorski Kotar County and the Visitor Center on Large Carnivores in Stara Sušica. The contracts have a total value of over HRK 24 million, of which HRK 16 million has been secured by grants from EU funds, reports the Primorje-Gorski Kotar County.The signing at the Natural History Museum was attended by the County Prefect of Primorje-Gorski Kotar Zlatko Komadina, the Mayor of Rijeka Vojko Obersnel, the Rector Snježana Prijić-Samaržija, the Director of the Public Institution Nature Sonja Šišić, representatives of CFCA and others.Primorje-Gorski Kotar County is one of the most diverse in the Republic of Croatia in terms of natural heritage and biodiversity, and it is extremely important that the County recognized the urgency of developing its institutions that care for protected parts of natural heritage. These projects strive to present the immense wealth of flora and fauna to citizens and tourists. Also, the establishment of large Agricultural Centers and a future Interpretation Center directly encourages the scientific, economic and tourist development of rural areas, as is the case with Stara Sušica. The story of the Interpretation Center for wolves, lynxes and bears in the near future is intended to expand with a mountain house, a real eco-ethno treat and a small zoo park where these predators would live.The project will regulate access to the protected geomorphological monument of nature, Zametska Cave, open it to the public and enrich Rijeka’s tourist story with new content. Also, speaking about green tourism, the arrangement of three Rijeka parks is planned below: Nikola Hosta Park, Mlaka and Trsat.The project of building the Interpretation Center for Natural Heritage of the Primorje-Gorski Kotar County was created in partnership with the City of Rijeka with the Primorje-Gorski Kotar County, the Public Institution Priroda and the Tourist Board of the City of Rijeka. The University of Rijeka also provided support by providing the field within the University campus on which the mentioned Center will be established. The Interpretation Center is worth HRK 16.17 million, of which the share of grants is HRK 11.29 million. The County of Primorje-Gorski Kotar, together with the Public Institution Priroda, is co-financing the project with almost HRK 3.5 million.The efforts of the County to strengthen and create preconditions for sustainable valorization of natural heritage throughout its territory should be commended. valorization of the entire Primorje-Gorski Kotar County. In addition to the mentioned Zametska cave in the City of Rijeka, this project also valorizes the areas of the strict reserve Bijele and Samarske stijene and Lopar on the island of Rab, while NATURA 11 includes Zebar, Lič polje, Obruč, Platak, Kupska dolina, Osor, the surroundings of Baška and the aforementioned parks of Rijeka.The Municipality of Ravna Gora and the Tourist Board of the Municipality of Ravna Gora are participating in the project of building a Visitor Center on large carnivores in Stara Sušica, while the holder of the project is the Public Institution Nature. The project is worth HRK 8.18 million, of which HRK 5.006.600,96 are grants from EU funds. With this Center, the mountain area wants to be presented and promoted as a place of coexistence of people and beasts, as well as preserved landscapes and natural resources; all with the aim of encouraging the sustainable development of Gorski Kotar, preserving the natural heritage and sustainable valorization of the same, then creating green jobs, training locals and visitors, improving tourist attractiveness and attracting visitors.The completion of the project is scheduled for September 1, 2020, while the construction of the Center is planned to begin in 2019. This is a step closer to the promotion and development of sustainable tourism and branding of Gorski Kotar as a destination of preserved natural heritage, for which the involvement of local self-government and community was extremely important.”I would like to take this opportunity to praise the hosts, Primorje-Gorski Kotar County and the city of Rijeka, where as much as HRK 2.8 billion was contracted through 3.318 contracts and grants, of which a total of HRK 2.4 billion in grants was contracted during the mandate of this Government.”, Said the Minister of Regional Development and EU Funds, Gabrijela Žalac, and pointed out that the signing of the contract is actually the result of dedicated work and partnership of all users and institutions.On the eve of the signing, the Ministry reports that Žalac held a meeting with Komadin and Obersnel in which they discussed the use of the domestic component fund in projects related to the European Capital of Culture.PHOTO: A native of Rijeka
Maistra has announced a competition in which it offers conditions for work of the highest category and constant progress, and people with and without experience have the opportunity to work.Maistra has announced a job vacancy that includes year-round work, and people with and without experience have the opportunity to apply. It is about working in hotels of the highest category Maistra Collection brand – Monte Mulini, Lone, Eden and Adriatic, which will be joined by the new Grand Park Hotel Rovinj in the spring.Only the new hotel will open a hundred new jobs, the company announced, and with such a developed offer, their goal is to form a team with which they will develop new and different contents and a highly personalized service. “We want to provide each guest with a unique experience and that is why such an early selection of a team that will help us in this is very important. In addition to existing employees, we are looking for new, ambitious people ready to work in a dynamic environment and focused on achieving the best results. This is an opportunity for all people who want new knowledge to become experts in their business and to ensure the development of a great career. “, Explains Tina Turk Lupieri, Director of Human Resources at Maistra.The company offers conditions for work of the highest category and constant progress in professional knowledge. Although most of their employees come from Istria, Maistra organizes and pays for accommodation for all employees who need it. Equally, employees are entitled to two hot meals and transportation to work. Salary supplements are paid, ie holiday pay, Christmas bonus, jubilee award and solidarity aid. These entitlements are in addition to salary.“After the application, the candidates will go through the selection procedure of Mastra’s experts. If they become part of the team, they are given the opportunity to work throughout the year and irreplaceable experience of working in a professional, stimulating and professional environment as well as the possibility of further advancement. The best ones will also get the opportunity to work in the new Grand Park Hotel Rovinj. ” conclude from Maistra.By the way, at the company level, this year there were about 2.700 employees in Maistra. All those interested in working and professional development in Maistra can apply until October 21 via online registration at posao.maistra.com.
And employees are people, right? In addition, the company provides all its employees who come to work in Valamar destinations from other parts of Croatia and the region with quality accommodation and hot meals, and from this year seasonal workers who will come to work in Rabac will be accommodated in a hotel with pool. This and similar articles on raising working conditions for employees should have been published 5-10 years ago, and today they would certainly not have such problems with emigration and the workforce in tourism. But better than ever, this year the largest hotel companies have significantly raised and improved the conditions for their employees, including Valamar, which was and is one of the leaders. Well done to Valamar. “Valamar has so far invested more than 60 million kuna in quality accommodation for employees, so, in addition to Rabac, seasonal workers already have secured accommodation in hotels for employees of Kuća Valamar at two locations in Poreč and Krk. The construction of the fifth Valamar House in Dubrovnik is also underway, which the first seasonal workers will enter next year “, said Ines Damjanić Šturman, Director of the Human Resources Department at Valamar Riviera. Newly opened hotel for employees Valamar House in Rabac has three buildings with accommodation units. In the main building there is a reception for check-in and a boarding house restaurant where breakfast is served, and the other two buildings are equipped with a shared kitchen with all the equipment and utensils needed for self-preparation of meals. For socializing and relaxing after work, employees have at their disposal a space for video and social games equipped with a game console, table football, table hockey, darts and board games, a living room with shared TV and outdoor areas for socializing with barbecue. Also, within the hotel for seasonal guests, there is a space provided for storing bicycles, as well as laundry and drying rooms. Valamar house in Rabac Minimum net income from HRK 5000 to 7500 for employees who work a full monthly fund of hours, 13. salary in the amount of HRK 5000 net to all permanent employees and those who will work for at least ten months in 2019, special bonuses in the amount of 1200 to 2000 HRK for seasonal workers and a Christmas bonus of HRK 2000 for all full-time employees are just some of the benefits that Valamar Riviera offers to its employees.
The aim of this cooperation is to bring students concrete examples from practice that will enrich and supplement their theoretical education in the field of communication management and tourism and that will help them prepare for the dynamic work environment that awaits them after graduation. On the occasion of marking the World Tourism Day, a partnership agreement was signed yesterday in the premises of IRTA between IRTA doo – Istrian Development Tourism Agency and the College of Communication Management – Edward Bernays. “In addition to the mentioned cooperation, IRTA already has many years of successful cooperation with the University of Juraj Dobrila in Pula, whose students had the opportunity to get acquainted with the work of the agency through various projects and specific tasks that await them after graduation., said Slavica Tobok Kandić, director of IRTA doo Such collaborations also aim to contribute to better and better networking of the academic and public-private sectors and the transfer of experiences, the ultimate goal of which is even better detection of quality and professional staff and directing them towards specific tasks and challenges of an exciting tourist environment.. As part of the said agreement, guidelines for cooperation have been agreed, which will include the internship of Bernays students in the form of fieldwork within the business system and activities that the Istrian Development Tourist Agency deals with. Bernays will also have the opportunity to engage IRTA experts as mentors and guest lecturers in individual courses conducted as part of study programs, with the aim of presenting concrete experiences from practice within IRTA, which are experiences in the field of development and promotion. cultural and adventure tourism (Istra Inspirit), development of cyclotourism and outdoor tourism (Istra Outdoor) and management of the destination web portal and accompanying social networks under the brand Visit Istria. Photo: Istra Inspirit
Zadar County, as the implementer of the Welcome Awards program for the best renters in Zadar County, invites all renters of rooms, apartments / studio apartments and holiday homes in the Zadar County who have the quality label “WELCOME” to apply for the Welcome Awards for the best renters in Zadar County in 2019. Welcome awards for the best renters in Zadar County is a project of Zadar County which aims to encourage and emphasize the importance of a quality approach in managing family accommodation. The public call is open until November 21. 2019, and you can apply HERE The aim of the project is to raise the quality and enrich the offer of family accommodation in the Zadar County. Prizes will be awarded for three main categories of accommodation: rooms, apartments / studio apartments and holiday homes.
To its clients, including natural persons engaged in tourism, who have so far duly settled their obligations, but whose income and business are affected by the current circumstances related to the coronavirus epidemic or the aftermath of the Zagreb earthquake, Erste Bank allows deferred repayment of credit obligations in lasting from three to a maximum of six months, with an expiration date of no later than 1.10.2020. During the period of delay, clients do not pay their annuities, and only regular interest is charged, which is due together with the last annuity and can be paid once or in agreement with the bank, using some other options. There is no charge for the change per loan, and taking into account the fact that the notarial fee in these circumstances is a significant item for citizens, the cost of solemnization for loans where this is required is fully borne by Erste Bank. However, the situation with the Covid19 epidemic has hit the tourism sector the hardest, and what was unthinkable until recently happened – that tourism has literally stopped globally. And thus logically stopped, both current and future income of entrepreneurs in tourism. For business entities, assistance measures relate to vulnerable activities affected by the COVID-19 pandemic, and clients whose business relies on these activities. To apply for any assistance measure, the client should document the effects of the COVID-19 pandemic on business. Business entities in PBZ can apply for three Measures: The demands and expectations of the entire tourism sector, which is currently without income, are an understanding of the current situation, and they expect the same from their partners. Of course, even banks cannot forgive debts and operate without income, and mutual understanding is certainly needed for this extraordinary situation, which no one could have foreseen. Erste Bank bears the cost of solemnization Zagrebačka banka Measure 2. liquidity preservation loans (new funds for working capital with a maturity of up to 6 years) And OTP banka without additional costs of verification of the annex to the Loan Agreement Of the nearly 9000 loans for which a deferral request has been filed so far, less than 100 relate to tourism loans. Reasons for requesting a deferral of repayment may be: temporarily reduced or suspended salary by the employer, loss of employment, decline in income with craftsmen, decrease in other income (eg from renting, etc.). When it comes to clients who belong to business entities by segmentation, OTP banka started receiving applications for assistance measures through the FINA application at the beginning of April, and in direct contact with its business advisors, clients started plans for the best business solution for the current situation. regardless of whether they are from the tourism or some other economic sector. In order to maintain business continuity and preserve jobs in the Republic of Croatia, including the tourism sector, Hrvatska poštanska banka enables the contracting of assistance measures to its clients whose business is affected by the coronavirus pandemic, including clients dealing with tourism. All clients whose financial situation has been seriously damaged or who have been left without a regular income, they personally or a member of their household can apply for a moratorium. As of April 1, OTP banka dd used an online application on its website to enable the registration of its clients without the need to come to the branch and without the additional costs of verifying the annex to the Loan Agreement. The only obligation of the clients is to sign the annex to the Loan Agreement after the settlement of the current situation, when the conditions for that are met. To use the loan repayment deferral, citizens need to sign up at the bank’s website, on which it was developed online form which needs to be filled out. The form will need to be accompanied by appropriate evidence showing that the epidemic and / or earthquake has worsened their financial situation, in the form of a reduction in income, job loss or, for example, damage caused by the earthquake. Documentation which can be attached as evidence is shown along with an online form, along with a list of frequently asked questions and answers. Upon receipt of the request, the bank will review the submitted documentation and contact customers with instructions on further steps. Regular interest is charged but not charged. Upon the expiration of the deferral, the interest repayment is not attributed to the principal but is allocated to the remaining loan term, and the corresponding part of the interest matures together with the regular annuity / installment after the expiration of the deferral. No regular interest is charged on the allocated interest in the remaining repayment period. In addition to the stated deferral of repayment on loans, the Bank provided to the users current account overdrafts, maintaining the existing overdraft amount regardless of the change in income for the next 6 months. It should be added that the loan repayment is delayed in PBZ free of charge and at no cost of solemnizing the addendum to the contract. The process of approving the loan repayment deferral to all eligible clients, as they point out from PBZ, is simple and automated, and the online form of the Request for deferral of loan repayment to citizens is available on the Bank’s website. In addition to the online request for deferral of repayment, the request can also be submitted at the Bank’s branches. This refers to annuities maturing in the period from April 1 to June 30, 2020. Clients can submit a moratorium request online or by mail by June 30, 2020. During the moratorium period, clients pay neither principal nor interest on the loan. 1. Deferred repayment (moratorium) and possible debt rescheduling for eligible clients. The duration of the moratorium depends on the client’s activity, ie the degree of influence of the circumstances related to the COVID-19 epidemic on the client’s overall business and on his expected ability to recover. The possibility of debt rescheduling may be subject to the provisions of the credit / guarantee program on the basis of which the loan was initially approved and the approvals of third parties (eg HBOR, etc.). During the moratorium, the Bank will not charge or charge default interest rates or fees of any kind on loans for which a moratorium has been approved. Sberbank provided for all types of loans, including tourism, a three-month deferral of repayment or a moratorium on loans to clients who were in good repayment, with an extension of the loan repayment period by three months. All received customer requests are processed as soon as possible, and for more detailed information, customers can directly contact their business relationship manager at HPB or visit the website www.hpb.hr Raiffeisen Bank creates a program and special measures for the tourism industry Also, according to pre-agreed eligibility conditions and insurance costs, the Bank will independently decide on loans that will be included in the loan portfolio provided by HBOR up to 50 percent of the principal amount, regular contractual interest, intercalary and pending interest. The secured portfolio under this program may include new liquidity loans with a grace period of up to one year and a repayment period of up to five years. Upon expiration of the three-month moratorium, the Bank will allocate the unpaid accrued interest during the moratorium to the remaining annuities until the end of the loan repayment. The final loan repayment date will be extended by a three-month moratorium. If the deferral of repayment refers to annuities maturing after June 30, 2020, it is necessary to follow the news on the Bank’s official website www.sberbank.hr which also contains all the necessary information on the deferral of payment of financial obligations, as well as the Request for a three-month moratorium. Zagrebačka banka will assess the individual situation of each of our clients, always act in the best interest of all and act correctly in relation to all our stakeholders. Zagrebačka banka points out that the health and well-being of their employees and clients are their main priorities and adds that the Bank has prepared a comprehensive package of measures to support consumers and businesses affected by the COVID-19 epidemic in order to continue helping and supporting their clients during this period of instability. 2. Liquidity credit lines in cooperation with competent state agencies and development banks accompanied by guarantee schemes and other risk coverage. HPB will limit the limits on tacit overdrafts of current accounts of clients keep at the same amounts So let’s go in order: OTP banka accepts applications for moratoriums on all types of loans for citizens, which include our tourist loans. At this point, citizens can opt for a moratorium lasting 3 or 6 months. During the moratorium, regular interest is calculated, which is paid after the expiration of the moratorium, evenly distributed over the remaining annuities. If the client does not like the future monthly annuity to be increased, he can keep it at the level of the previous one, by agreeing to extend the loan payment for the duration of the moratorium or up to a maximum of 12 months. To all credit users (citizens / consumers), whose loans are in regular repayment and whose financial situation has deteriorated due to reduction or complete loss of income due to the consequences of the COVID-19 pandemic, PBZ Bank will allow deferral of payment of loan principal and related interest and overdue loan obligations not paid until approval requests for deferral of repayment of loan obligations. Deferment of repayment will be allowed for a period of three months, with the automatic possibility of extension for an additional three months. Measure 1. deferral of loan payment (or moratorium), deferral of payment of loan installments and interest for 6 months, in the period of deferred repayment of interest is calculated but not charged, the agreed interest rate does not change, there is no fee for processing the request. In addition to the above, PBZ also allows for the extension of overdrafts and revolving for 3 months. The Bank will suspend all forced collection measures (for citizens and businesses) in the forthcoming period and will instruct clients with repayment difficulties to use the offered deferred payment measures. Currently, it is small and medium-sized enterprises in tourism that are most affected. The pre-season has failed, and the question is when and how many tourist activities will be in the main tourist “peak”, and these same entrepreneurs do not have large or any financial reserves to survive until next year. Measure 3. reprogram credit (additional facilitation of repayment of existing long-term loans). Sberbank – the final loan repayment date will be extended for a three-month moratorium As every year, various micro, small and medium-sized entrepreneurs in tourism are financially committed to investing in raising quality (arranging accommodation, catering facilities, building swimming pools, new tourist facilities) in order to have new added value in the new tourist season. Our inquiry was answered by six banks that offer or are preparing to offer a loan repayment deferral. Although the conditions in all banks are very similar, there are certain differences that should help borrowers. More information on these measures can be found at: https://www.zaba.hr/home/posebne-mjere-potpore-za-klijente-potrosace-i-poslovne-subjekte In order to further meet its customers, HPB will keep the limits on tacit overdrafts of current accounts of customers at the same amounts and those customers whose overdrafts would expire or be terminated in the next three months, stopped sending reminders in the next three months and stopped charging default. interest to all clients on loans from April 1 to June 30, 2020. HPB provides its clients – business entities, including those engaged in tourism, with a moratorium on the repayment of total credit indebtedness without payment of principal and interest, as well as the rescheduling of credit indebtedness. These measures are approved for a minimum period of three months from the contracting, and the right to implementation can be exercised by business entities that were in order to settle obligations to the Bank on 31.12.2019. and those whose operations have already been affected (realized decline in revenues in March 2020 compared to March 2019) or will be affected by the coronavirus pandemic (expected revenues for 2020, including emerging circumstances, are lower than planned revenues for 2020).Additionally, in order to facilitate the repayment of financial liabilities of business clients, the Bank in the period from 1.04. to 30.06.2020. does not calculate default interest on credit-guarantee and payment-turnover products of all clients. PBZ banka retains the existing overdraft amounts regardless of the change in income Submission of Requests for business entities is enabled through internet banking through an automated processing process, in which case the processing can be completed within 24 hours. Requests submitted via email are processed within 2-3 days if the client has completed all the information required in the Request. The application is made on the FINA on-line portal for all three Measures, and for the Measure of deferral of loan payment, the Application must be submitted directly to the Bank. The process of submitting a Payment Deferral Request is fully supported by our online communication channels. From Raiffeisen Bank, whose pandemic mitigation measures you can read more about at this connectors, addressed us with a short statement which we transmit in full: The moratorium on loans is a current topic and is still the subject of numerous inquiries. It is necessary to submit documentation that can support the reason for requesting a postponement: employer’s confirmation or a copy of the salary statement or review of account turnover or JOPPD form showing visible reduction of income, termination of employment contract or confirmation from the stock exchange, decision on temporary closure, a document by which the employer announces a reduction in income due to the current situation, etc. And that is exactly why we decided to investigate how much banks in Croatia are ready to meet the needs of their loan users. More details on PBZ assistance measures for citizens are on the links. Private landlords, as well as all other clients of Zagrebačka banka, can exercise the right to a moratorium under Covid19 conditions. Of course, no one could have expected such a situation, so everyone made plans and financial projections, based on the security and growth of tourism in Croatia, where we have a record tourist season from year to year. Small businesses can apply for one of the two measures offered: Measures to help facilitate the repayment of financial obligations are intended for clients – individuals, users of tourist loans and subsidized loans by the Ministry of Tourism in cooperation with HBOR. The Bank enables the extension of the loan repayment period with a reduction of monthly annuities, a moratorium on repayment of the loan principal with monthly interest payment, whereby clients are granted an adequate extension of the agreed repayment period and a moratorium on repayment of total debt with interest expiration. At the moment of the beginning of the implementation of the measure, we will timely inform our clients of the tourist business through our official channels. More detailed information is available at websites Additionally, Zagrebačka banka and HBOR concluded yesterday, April 28 Export Liquidity Loan Portfolio Insurance Agreement – COVID – 19. This agreement is made possible faster and easier approval of new loans to preserve the liquidity of exporters.Using HBOR’s insurance, the Bank will, based on its own criteria and business policies, approve new liquidity loans to clients in various industries, including the tourism sector, which generate at least 20 percent of export revenues. At Raiffeisen Bank, we are aware that the COVID-19 pandemic has had significant consequences for the tourism sector as well. That is why we are currently working intensively on creating programs and special measures that will be aimed precisely and exclusively at the tourism industry with the aim of facilitating business and providing support to all clients operating in the tourism sector. Conclusion Finally, it is important to point out that for new loans to the tourism sector, it should certainly be taken into account that it would be ideal for loans with a grace period of at least 12 months, ie until the spring of 2021 when the tourism market is expected to reactivate. realistically, the tourism sector will only then receive a certain cash flow, so that they can repay their financial obligations.