Hebrew Free Loan Association of Northeast sahifasining manbasini koʻrish

'''Shimoli-sharqiy Ohayodagi yahudiy bepul kredit uyushmasi''' ({{lang-en|Hebrew Free Loan Association of Northeast Ohio}} qisqacha '''HFLA''') — Amerika notijorat tashkiloti boʻlib, boshqa turdagi kreditlardan foydalanish imkoni boʻlmagan odamlarga foizsiz qarz berish bilan shugʻullanadi. Tashkilot [[Ogayo|Ohayoning]] shimoli-sharqida 25 000 dan ortiq qarz bergan<ref name="kjn">{{veb manbasi|url=http://www.clevelandjewishnews.com/article_629d46fa-4ee9-11e4-a46d-33c54f5d28a9.html|sarlavha=Hebrew Free Loan Association to mark 110 years Nov. 15|muallif=Mott, Kristen|sana=8 октября 2014|nashriyot=[[Cleveland Jewish News]]|til=en|kirish sanasi=2015-05-28|arxiv-sana=2015-01-26|arxiv-url=https://web.archive.org/web/20150126040838/http://www.clevelandjewishnews.com/article_629d46fa-4ee9-11e4-a46d-33c54f5d28a9.html|deadlink=no}}</ref>. Qarzlarni qaytarish darajasi oʻrtacha 97-99 foizni tashkil qiladi<ref name="ech">{{veb manbasi|url=http://ech.case.edu/cgi/article.pl?id=HFLA|sarlavha=HEBREW FREE LOAN ASSN|nashriyot=The Encyclopedia of Cleveland History|til=en|kirish sanasi=2015-05-28|arxiv-sana=2014-12-04|arxiv-url=https://web.archive.org/web/20141204080223/http://ech.case.edu/cgi/article.pl?id=HFLA|deadlink=no}}</ref>.

== Tarixi ==
HFLA faoliyati 1904-yilda Morris A.Bleyk, Charlz Ettinger va Herman Stern tomonidan toʻplangan 501 dollardan boshlangan. Tashkilot oʻzining birinchi yilida 10 dan 37 dollargacha boʻlgan qarzlar bergan va ularning barchasi toʻliq qaytarilgan. 1909-yilda HFLA 700 ta qarz berishga ulgurgan edi<ref>{{veb manbasi|url=http://www.hflaclev.org/2013/11/06/HFLA%20100%20Years.pdf|sarlavha=100 Yers Helping People to Help Themselves|muallif=Stanley Lasky|sana=2003|til=en|kirish sanasi=2015-05-28|arxiv-url=https://web.archive.org/web/20150123181037/http://www.hflaclev.org/2013/11/06/HFLA%20100%20Years.pdf|arxiv-sana=2015-01-23|arxivsana=2015-01-23|arxivurl=https://web.archive.org/web/20150123181037/http://www.hflaclev.org/2013/11/06/HFLA%20100%20Years.pdf}}</ref>.

Barcha kreditlar yahudiylarning Injil anʼanalariga muvofiq foizsiz stavkada beriladi. „Agar siz [[Tavrot|Tavrotga]] murojaat qilsangiz, tsedakaning eng yuqori shakli shunchaki kimgadir pul berish emas, balki kimgadir oʻziga yordam berish imkoniyatini berishdir“, dedi Devid Edelman, tashkilot prezidenti. „Birovga foizsiz qarz berish muhabbatning eng oliy koʻrinishlaridan biridir“<ref name="kjn"/> deb qoʻshimcha qildi.

1982-yilda Shimoli-Sharqiy Ohayo shtatidagi ibroniy bepul qarz uyushmasi [[:ru:International_Association_of_Hebrew_Free_Loan|International Association of Hebrew Free Loan]] (Yahudiy bepul qarz xalqaro assotsiatsiyasi)ning mustaqil aʼzosi boʻldi<ref name="ech"/>.
== Qarzlar dasturi ==
HFLA 12 000 [[AQSh dollari|dollargacha]] kredit taklif qiladi. Qarz oluvchilar va hammualliflar uchun shart shundaki, ular Ohayo shtatining shimoli-sharqida yashashi kerak. HFLA qarzlarini turli maqsadlarda olish mumkin: tibbiy va stomatologik toʻlovlar, uylarni taʼmirlash, kreditlarni soʻndirish<ref>{{veb manbasi|url=http://www.cleveland.com/consumeraffairs/index.ssf/2014/09/group_offers_free_loans_to_sen.html|sarlavha=Group offers interest-free loans to senior citizens struggling with payday debts: Plain Dealing|muallif=Sheryl Harris|sana=9 сентября 2014|nashriyot=[[The Plain Dealer]]|til=en|kirish sanasi=2015-05-28|arxiv-sana=2015-09-24|arxiv-url=https://web.archive.org/web/20150924004000/http://www.cleveland.com/consumeraffairs/index.ssf/2014/09/group_offers_free_loans_to_sen.html|deadlink=no}}</ref>, uy ijarasi, immigratsiya, taʼlim va boshqalar<ref>{{veb manbasi|url=http://www.hflaclev.org/loan-requirements/|sarlavha=Loan Requirements|nashriyot=Hebrew Free Loan Association of Northeast Ohio|til=en|kirish sanasi=2015-05-28|arxiv-url=https://web.archive.org/web/20150123215752/http://www.hflaclev.org/loan-requirements/|arxiv-sana=2015-01-23|arxivsana=2015-01-23|arxivurl=https://web.archive.org/web/20150123215752/http://www.hflaclev.org/loan-requirements/}}</ref>.

== Mukofotlari ==
1984-yilda HFLA insoniy munosabatlar boʻyicha Ishayo mukofotiga sazovor boʻldi ({{lang-en|Isaiah Award for Human Relations}}<span lang="en" style="font-style:italic;">tomonidan insoniy munosabatlar boʻyicha Isaiah mukofoti</span> <span class="noprint" style="font-style:normal; font-weight:normal;"><span style="display:inline-block; font-size:80%; position:relative;"><span style="font-size:117.6%; margin-left:-0.43em; position:relative; top:0.28em;"><small class="ref-info" style="cursor:help;" title="на английском языке">)</small></span></span></span><ref name="ech"/>.

== Manbalar ==
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{{Orphan}}
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