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Report on the results of the conference dedicated to

70th anniversary of the Victory in the Great Patriotic War of 1941-1945 “Patriotism is the source of the Great Victory. Little Heroes of the Great War" in the municipal educational institution "Akcheevskaya secondary school"

April 28, 2015 a conference dedicated to the 70th anniversary of the Victory in the Great Patriotic War of 1941-1945 was held in the municipal educational institution "Akcheevskaya secondary school"“Patriotism is the source of the Great Victory. Little Heroes of the Great War»

The purpose of the conference: preservation and maintenance of cultural and moral values, respect for the heroic past, the historical deeds of veterans of the Great Patriotic War, our countrymen, home front workers, children of war.
The conference was opened by listening to the anthem of the Russian Federation. Further, the teacher of history Alim Khasyanovich Meshcherov opened the first part of the conference, in which he noted that outstanding commanders, philosophers, writers and poets of our Fatherland devoted their thoughts and thoughts to the theme of courage and heroism, examples were given. Using the wall map "The Great Patriotic War", Alim Khasyanovich gave a brief historical background on the important sources of the Victory of the Russian people in the Second World War. This is Russian patriotism, the unity of all the peoples of the country, the spiritual unity and moral stamina of the Soviet people.
From the video materials prepared by the history teacher, the students learned about the beginning of the war, about the feat of M.P. Devyatayev. A in the presentation, which was dedicated to the natives of the villages of Akcheevo, Kabanovo, Churino, the guys recognized their grandfathers, great-grandfathers. Grade 9 students made a presentation dedicated to our fellow countryman, full cavalier of the orders of Glory - Meshcherov Zarif Ibragimovich.

The teacher of the Russian language and literature Shekhmametyeva Rumiya Kamilievna, during March-April, held a competition of creative works among students in grades 6-11, dedicated to the 70th anniversary of the Great Victory. At the conference students: Galdin Denis (grade 6), Kutueva Diana (grade 6), Utesheva Dinara (grade 9), Tangalycheva Galya (grade 11) presented their work. These were poems of his own composition, and essays on the theme of the Great Patriotic War, and stories about his great-grandfathers-veterans.

Students of grades 5-8, together with the senior counselor, took an active part in the work of the conference, preparing messages about the pioneers - heroes (who performed heroic deeds, received orders and medals, four pioneers were awarded the title of Hero of the Soviet Union.), Read poetry. Their performances were accompanied by the presentation "Little Heroes of the Great War". It was also noted that children of the war years completely replaced adults in the rear. They fought on an equal footing with adults both in the army and in partisan detachments. Childhood taken away by the war, suffering, hunger early made the children adults, nurturing in them fortitude, courage, ability to self-sacrifice. Students honored the memory of the fallen during the Second World War with a moment of silence. A video about the pioneer heroes “Dedicated to Young Heroes…” was shown to the attention of those present.

Summing up the results of the conference, the senior counselor drew the attention of the children to the fact that a sign of culture and education of a person is knowledge of the history of his Fatherland, its heroes, the desire to follow historical and military traditions, respect for state and social values. The conference ended with listening to the anthem of the Republic of Mordovia.

We hope that the goals of the conference were achieved, that each student could feel like an heir and continuer of the cultural, historical and military traditions of his Fatherland, his people.

The report was prepared by: director of the school for VR S.A. Galdina

Headmaster: S.V. Meshcherova

MATHEDU: a dialogue between mathematicians and educators

An open and constructive dialogue to discuss topical issues, achievements and research results in the field of mathematics education in secondary and higher schools took place at the VI International Scientific and Practical Conference "Mathematical Education at School and University: Theory and Practice" ( MATHEDU - 2016), held November 25-26, 2016 at the Institute of Mathematics and Mechanics named after N.I. Lobachevsky Kazan Federal University. The conference was organized by the International Scientific and Educational Mathematical Center, the Institute of Mathematics and Mechanics named after N.I. Lobachevsky Kazan Federal University.

The geography of participants is extensive - from Vladivostok to Simferopol. The conference was attended by more than 100 teachers and scientists from higher educational institutions, schools, the Republic of Tajikistan, Russian cities - Moscow, Kazan, Kirov, Omsk, Orenburg, Yelets, Simferopol, Vladivostok, Novosibirsk, Vladikavkaz, Saratov, Yaroslavl, Yekaterinburg, Rostov -on-Don, Nizhny Novgorod, Krasnoyarsk, Arzamas, Vologda, as well as cities and regions of the Republic of Tatarstan.

The conference was opened by Candidate of Pedagogical Sciences, Associate Professor of the Department of Theory and Technologies of Teaching Mathematics and Informatics Nailya Vakifovna Timerbayeva. She congratulated the participants on the opening, outlined the areas of work.

Director of the Institute of Mathematics and Mechanics named after N.I. Lobachevsky, Doctor of Physical and Mathematical Sciences, Professor Maxim Georgievich Khramchenkov addressed the conference participants with a welcoming speech. He emphasized the importance of mathematical education, wished fruitful work to the participants of the conference, and expressed gratitude to its organizers.

Head of the Department of Theory and Technologies of Teaching Mathematics and Informatics, Doctor of Pedagogical Sciences, Professor Liliana Rafikovna Shakirova, moderated the plenary session. She noted that on the eve of the celebration of the Day of Mathematics, the conference was of particular importance.

The plenary session was opened by Doctor of Pedagogical Sciences, Professor of the Vologda State University, Vladimir Afanasyevich Testov. In his report “Methodological Foundations of the Methodology of Teaching Mathematics in the Post-Non-Classical Period of the Development of Science”, he noted that a feature of post-non-classical science is the transition from clear, defined concepts to less clear ones. New sections appeared in mathematics, which served as the basis for the theory of soft models. The methodology of teaching mathematics has long operated with loosely defined, “blurred” concepts. The methodology of teaching mathematics is affected by both the change in the scientific picture of the world and the transition of society to a new network era. Vladimir Afanasyevich covered this topic in detail and answered the questions of the conference participants.

The next speaker of the plenary session was the Doctor of Physical and Mathematical Sciences, Professor, Academician of the Academy of Social Sciences of the Russian Federation Komili Abdulkhay Sharifzoda, (KTGU named after Nosir Khusrav, Kurgan-Tyube, Tajikistan). In his report “On the issue of the problems of the history of science of the physical and mathematical cycle and their development in the context of the Muslim Middle Ages”, he presented the results of a study on the history of physical and mathematical science in the medieval Muslim East. In his opinion, the development of science is an integral part of the overall process of the intellectual development of the human mind and the formation of human civilization. Having singled out the periodization of science, from ancient times to the present day, he examined the features of each period, dwelling in detail on the period of the Muslim Middle Ages. In his report, Abdulkhay Sharifzoda emphasized that scientists of that period paid great attention to the issues of education and teaching methods.

The speech of Doctor of Pedagogical Sciences, Professor Liliana Rafikovna Shakirova aroused great interest. In her report “Historicization of Mathematical Education at School and University”, she revealed the possibilities of including historical and mathematical knowledge in the educational process at school and university, examined the experience of educational activities, and noted its role in the patriotic and moral education of the younger generation. The history of mathematics enables students to trace how the development of society affects the development of mathematics and to find out the dependence of the development of the social system on the level of development of mathematics. With the correct presentation of historical material by the teacher, it gradually turns from an optional, which is only an intellectual background of learning, into knowledge that determines the understanding of the mechanism of development of the entire civilization. This process, as noted by Liliana Rafikovna, is called historicization of school mathematics education, which is understood as the penetration of the principle of historicism into it, which involves the introduction of a system of historical-methodological and historical-mathematical knowledge that creates conditions for the development of students and has an emotional impact on the personality of the student.

In her report, she emphasized that special attention should be paid to the preparation of a future mathematics teacher for the use of historical and mathematical knowledge in teaching schoolchildren. In her speech, Liliana Rafikovna spoke in detail about her work with students of the Institute of Mathematics and Mechanics. N.I. Lobachevsky KFU. To prepare future teachers of mathematics for the organization of research and search work with schoolchildren, to familiarize them with the biography and contribution to science of the great geometer N.I. Lobachevsky and his followers, instilling in them the skills of public speaking, an annual competition for the best student work "Lobachevsky and the XXI century" is organized. Students develop draft scenarios for lessons, extra-curricular activities with historical excursions, educational conferences on the history of the mathematical school of Kazan University; prepare research papers on the role and influence of N.I. Lobachevsky on the development of the Kazan Mathematical School, about teachers, students and followers of the great geometer, etc. The results of the research help students in organizing and conducting design and research work with schoolchildren during their teaching practice and in their future professional activities.

IMM organizes the annual All-Russian Youth School-Conference “Lobachevsky Readings”, one of the sections of which is devoted to research in the history of mathematics. December 1, the birthday of N.I. Lobachevsky University celebrates the Day of Mathematics. On this day, the All-Russian Mathematical Olympiad for Students is organized annually, a student conference is held, where the winners of the competition for the best student work “Lobachevsky and the XXI century” speak with the results of search and research work. A collection of materials of the student conference, booklets “N.I. Lobachevsky and the Kazan School of Mathematics” or “N.I. Lobachevsky and Kazan University”, which are awarded to active participants of the conference. According to Liliana Rafikovna, the teacher's task is to help convey this knowledge to schoolchildren and students.

After the speech, the conference participants from various cities of Russia - Moscow, Vologda, Kirov and others, asked Liliana Rafikovna to create a resource where you can find the necessary information on the history of mathematics, in particular, about N.I. Lobachevsky and his followers.

The plenary session was completed by the methodologist, teacher of mathematics, Safonova Tatyana Anatolyevna (GBOU Lyceum No. 1158, Moscow). In her report “On some practical steps in the implementation of the “Concept for the Development of Mathematical Education in the Russian Federation” (on the example of the Resource Center on the basis of Lyceum No. 1158 in Moscow)”, she spoke about new forms of methodological work aimed at improving the quality of mathematical education of students and improving the professional skills of mathematics teachers. When considering the issues of the speech, Tatyana Anatolyevna dwelled in detail on the problem of improving the quality of the work of mathematics teachers and the application of modern technologies in the educational process. As part of solving this problem, she identified the areas in which the teaching staff works. In her speech, Tatyana Anatolyevna noted that the experience of the Department of Theory and Technologies of Teaching Mathematics and Informatics of the Institute of Mathematics and Mechanics named after N.I. Lobachevsky on the organization of the International Scientific and Practical Conference "Mathematical Education at School and University: Theory and Practice" (MATHEDU), which provides an opportunity for teachers and professors to exchange experiences, formed the basis for the work on holding similar events in Moscow. So, at the conferences "Mathematization as a form of interaction and integration of social, natural and technical sciences", "Formation of meta-subject competence of students and teachers in the context of the introduction of the Federal State Educational Standards", held on the basis of the Lyceum, the participants of the International Scientific and Practical Conference "Mathematical Education in school and university: theory and practice” (MATHEDU). She emphasized that thanks to the MATHEDU conference, an opportunity arose for cooperation and the creation of joint projects between teachers from the city of Kazan and teachers from the city of Moscow.

On the second day of the conference, work was carried out in sections: "Modern methods and technologies for teaching mathematics and computer science at school", "Modern methods and technologies for teaching mathematics and computer science at a university", "Multilevel training of teachers of mathematics and computer science (bachelor's degree, master's degree)", " Information technologies in teaching mathematics”, “Mathematical modeling and teaching systems”, “History and methodology of mathematics and mathematical education”, “FGOS implementation in mathematical education”. The moderators of the sections were Doctor of Pediatrics, Professor V.A. Testov, Ph.D., Professor L.R. Shakirova, Ph.D. Sc., Academician Komili A.Sh.

As a result of the conference, a resolution was adopted with recommendations for uniting all creative forces to implement the Concept for the Development of Russian Mathematical Education in Russia.

The participants of the conference noted the importance of the scientific forum held, which contributes to the establishment of a dialogue between mathematicians - scientists and practitioners, the unification of scientific potential for solving urgent problems of mathematical education, and expressed gratitude to the Organizing Committee of the conference.

Closing the conference, Deputy Director for social and educational work of the Institute of Mathematics and Mechanics named after N.I. Lobachevsky, Petr Gennadyevich Velikanov, noted that young teachers and undergraduates participating in the conference have the opportunity to learn from the experience of leading teachers and scientists, which contributes to their professional growth.

Participants received certificates and collections of conference materials.

Every year, within the framework of the conference, a cultural program is organized: visits to theaters, museums of KFU (history of KFU, ethnography, geology). It has become a tradition to visit an excursion to memorable places related to the history of Kazan University, the Kazan Kremlin, which is conducted at a high level by the Deputy Director for Social and Educational Work of the Institute of Mathematics and Mechanics named after N.I. Lobachevsky, P. G. Velikanov.

The Organizing Committee of the Conference expresses its deep gratitude to all participants and invites you to further cooperation!

April 14, 2016 at Moscow hosted the annual conference "Actual Issues of Microfinance: Summing Up - Planning the Future"- the first public event of the year in the field of microfinance, which presented the most up-to-date consolidated information about the state of the market and its further development trends!

The Conference was traditionally organized by the National Partnership of Microfinance Market Stakeholders (NAMMS) and the Russian Microfinance Center (RMC). The event was held with the support of NAMMS members.

The Conference was attended by over 150 representatives of all segments of the non-credit financial sector: commercial and non-commercial microfinance organizations, credit consumer cooperatives, agricultural credit cooperatives, pawnshops, their professional associations and self-regulatory organizations, the media.

In the first part of the Plenary session, the speakers were:

• Mamuta Mikhail Valerievich, Head of the Main Department of the Microfinance Market and Financial Inclusion Methodology of the Bank of Russia Presentation >>>
• Kochetkov Ilya Alexandrovich, Head of the Bank of Russia Service for the Protection of the Rights of Consumers of Financial Services and Minority Shareholders Presentation >>>
• Mankevich Ruslan Ivanovich, Head of the Department for Monitoring Inspections of Non-Credit Financial Institutions of the Main Inspectorate of the Bank of Russia Presentation >>>
• Paranich Andrei Vladimirovich, Director of SRO "MiR" Presentation >>>
• Solomkin Alexander Alekseevich, Director of SRO CPC "Cooperative Finance" Presentation >>>
• Stepanenko Victoria Yurievna , Deputy Director of the Financial Markets Development Department of the Bank of Russia
• Fedorov Svyatoslav Leonidovich, Economic Advisor, Main Directorate of the Microfinance Market and Financial Inclusion Methodology of the Bank of Russia
• Chirkov Alexey Vladimirovich , Head of the Sector of the Main Directorate of the Microfinance Market and Financial Inclusion Methodology of the Bank of Russia

The plenary session was moderated by Anton Arnautov, editor-in-chief of the Bankir.ru portal

Participants of the first block of the Plenary session "Results of the year. Regulatory Innovations» discussed how the microfinance market developed in 2015, how its participants are adapting to changing conditions; shared the interim results of the first quarter of 2016; reviewed the current legislative changes in the activities of non-bank financial institutions, and also discussed further steps for the regulator and microfinance market participants to maintain stability and develop the sector.

In his speech Mikhail Mamuta announced the latest statistics of the microfinance market. As of April 1, 2016, the number of active MFIs in the state register is 3852 , PDA - 3430 , including members of SRO KPK - 1590, SKPK - 1687, pawnshops - 8290 . As of December 31, 2015, the share of MFIs in the total loan portfolio is 70.3 billion rubles, CCCs - 54.8 billion rubles, pawnshops - 29.4 billion rubles. There is an increase in the portfolio of loans in all sectors of the market. The MFO market in 2015 grew by 13 billion rubles. (+22.7%), the PDA market - by 5.2 billion rubles. (+10.5%), the pawnshop market - by 8.4 billion rubles (+40%). Commenting on the dynamics of the loan portfolio, Mr. Mamuta noted the rapid growth of the pawnshop market. With regard to the number of customers, the market dynamics was multidirectional. In particular, the MFO market grew by 800,000 borrowers, with the main increase occurring at the turn of Q1 and Q2. 2015. “To a large extent, this is due to the fact that during this period there was a significant tightening of requirements for unregulated creditors, many companies entered the state register and brought clients with them”, - explained Mikhail Mamuta. “We are quite satisfied with a moderate growth rate, since the market is a complex and fast growth, from our point of view, I would rather speak of its poor quality. Restrained growth suggests that companies do not seek to issue loans at any cost, but also think about their repayment”,- noted Mr. Mamuta.

In terms of the structure of attracting funds from MFIs in 2015, funds from credit institutions and founders dominated. 72% of the funds are attracted from legal entities, where more than 65% are the resources of credit institutions, and 28% - from individuals, where 56% are the funds of the founders.

Commenting on the dynamics of the average market values ​​of TIC, Mikhail Mamuta noted a reduction in rates in almost all segments of the microfinance market.

Based on the results of reporting by MFIs for 2015, Mikhail Mamuta noted the rapid and steady increase in the number of companies submitting a report on their activities . “We expect that by the end of 2015, the number of MFIs that submitted their reports on time will approach 90%. CCPs submit reports through SROs, where reporting is close to 100%,”- explained Mr. Mamuta. As for pawnshops, the market is divided 50/50. “This suggests that the existing pawnshops submit reports, and those who do not want to do so will no longer submit reports.. Therefore, we pay great attention to the removal of unscrupulous players from the market,” emphasized Mr Mamuta.

For 2015 excluded from the state register 1703 MFIs, including - in connection with violations of the law - 948, on the basis of statements 660, in connection with the liquidation, reorganization - 95. For the first quarter of 2016, 208 MFIs were excluded from the state register, including due to violation of the law - 84 , based on statements - 124 . As of April 6, 2016 are under consideration 120 draft orders on the exclusion of information from the state register. The most common violations of the law are non-submission or non-compliance with the terms and procedure for reporting to the Bank of Russia, non-posting on the Internet of the rules for submitting microloans, the absence in the charter of the organization of the procedure for disclosing information about persons influencing the decision-making of the organization. According to the law "On microfinance activities and microfinance organizations", which entered into force on March 29, a new basis for excluding a company from the state register has appeared - this is not conducting microfinance activities. “A new wave of exclusion of unscrupulous participants is expected on new grounds”, - noted Mikhail Mamuta.

As of January 11, 2016 are considered valid 3498 credit consumer cooperatives. Of these, SROs consist of about 1,600 cooperatives. More 1727 CCPs that have not been members of the SRO for more than 3 months are subject to liquidation. To date 715 The CCPs are at different stages of considering the application for liquidation in the courts. 613 CCPs are in the process of liquidation, bankruptcy, reorganization, 244 CPC - in respect of which appeals were sent to the Federal Tax Service of Russia, 128 CPC - the adoption of measures for which it was planned in 1 quarter. 2016.

As of 01/11/2016 are considered valid 8 343 pawnshop. 4 604 pawnshop expertly subject to liquidation. Accepted 4 237 measures against pawnshops.

During his speech Mr. Mamuta also spoke about the prospects for the development of self-regulation of non-banking microfinance institutions; shared the changes introduced by Federal Law No. 407-FZ dated December 29, 2015, which came into force on March 29, 2016; spoke about the planned measures to improve the regulation and legal support of the activities of MFIs, CCCs and pawnshops.

“We certainly believe in the expediency and necessity of further development and support of the microfinance market. It should be a transparent, understandable and safe market for the consumer. Therefore, work to further improve its regulation will be carried out on an ongoing basis,”- summarized Michael Mamuta.

Ilya Kochetkov spoke on the topic "Actual issues of protecting the rights of consumers of financial services." Mr. Kochetkov spoke about the main tasks of the Bank of Russia Service for the Protection of the Rights of Consumers of Financial Services and Minority Shareholders, shared the latest statistics on the consideration of applications. “The key goal of the Service is to help citizens”, - noted Ilya Kochetkov.

According to the Bank of Russia, the total number of applications in 2014 amounted to 33.3 thousand, in 2015 - 68.3 thousand, in 1 sq. 2016 - 20.2 thousand Commenting on the distribution of received applications from citizens between the subjects of the insurance business, issuers, professional participants and participants in the MFO market, Mr. Kochetkov noted the negative trend emerging in the microfinance sector: “If in 2014 MFIs, CPCs and pawnshops occupied the third position, then in 2015 their percentage, having remained the same in relation to the increased number of applications, nevertheless, moved to the second position, in Q1. 2016, the percentage of complaints addressed to these market entities continues to grow,” explained Ilya Kochetkov.

The number of complaints regarding the activities of microfinance organizations (MFIs) in 2014 amounted to 3 thousand., in 2015 - 6.3 thousand., in 1 sq. 2016 - 2.4 thousand Basically, complaints are received about illegal methods of debt collection, the impossibility of servicing the debt and "black" borrowers. The number of complaints regarding the activities of credit consumer cooperatives (CCC) in 2014 amounted to 568 , in 2015 - 940 , in 1 sq. 2016 - 160. The main share of received appeals from citizens is occupied by complaints about the non-return of personal savings, the impossibility of servicing a loan (debt) and methods of collecting debt from the shareholder. The number of complaints regarding the activities of pawnshops in 2014 amounted to 68 , in 2015 - 183 , in 1 sq. 2016 - 48.

“The Central Bank of the Russian Federation and the Service of the Bank of Russia for the Protection of the Rights of Consumers of Financial Services and Minority Shareholders will continue further work to promote the idea of ​​further reducing the debt burden on the borrower,” - emphasized Mr Kochetkov, commenting on further proposals of the Bank of Russia to change the legislation. The Central Bank of the Russian Federation also advocates changing the order of repayment of the borrower's debt under a consumer loan agreement and limiting the amount of other payments established by IFIs in the event of overdue debts.

Ilya Kochetkov also noted that in order to ensure an adequate level of financial services and quality customer service for financial organizations, the Bank of Russia developed the Draft Recommendations on the preparation by a self-regulatory organization of internal standards for protecting the rights and interests of clients of financial organizations that are members of SROs, which includes:

• informing clients about the bodies exercising the authority to control and supervise the activities of financial organizations;
• work with appeals;
• informing about the appointment of an official responsible for organizing and considering citizens' appeals;
• information disclosure;
• risk communication;
• participating in financial literacy programs.

Increasing the level of financial literacy of the population is one of the key tasks of the Bank of Russia. As part of the program to improve financial literacy, the Central Bank of the Russian Federation publishes thematic brochures, holds days of financial literacy in educational institutions, and plans to introduce a mandatory lesson in financial literacy as part of the subject of social science in 2016-2017. “We all need a financially literate consumer, we will achieve this only by joint efforts,” - summed up Mr. Kochetkov.

“The MFO market during 2015 showed active growth, the volume of the portfolio of microfinance organizations increased by more than 20%. However, over the past year, the structure of the portfolio has changed quite noticeably: the largest growth was observed in the segment of consumer loans, and the segment of online loans clearly stood out in it. But, unfortunately, there is a steady downward trend in the volume of the portfolio of MFIs operating in the segment of small and medium-sized businesses- noted in his speech the director of SRO "MiR" Andrei Paranich. ‑ Throughout 2015, the average total cost of borrowings (TFR) has been declining quite noticeably in almost all segments. This leads to a drop in profitability, and under these conditions, the issue of controlling risks associated with the choice of a borrower, as well as regulatory and image risks, becomes especially significant..

In the work of the second part of the Plenary session “Development of digital financial services. State support for microfinancing of small businesses: new opportunities! The following speakers took part:

In the block "Development of digital financial services":

• Bozhor Yury Anatolievich, Head of the Division for Risk Analysis and Advanced Financial Inclusion Technologies of the Main Directorate of the Microfinance Market and Financial Inclusion Methodology of the Bank of Russia Presentation >>>
• Dostov Victor Leonidovich, Chairman of the Board of the Association of Participants in the Market of Electronic Money and Money Transfers "AED"
• Nazarov Levan Davidovich , CEO of MILI
• Prokhorov Roman Anatolievich, Chairman of the Board of the Association "Financial Innovations" Presentation >>>
• Pukhov Anton Vladimirovich, Member of the Board of Directors of BEST Payment System Presentation >>>
• Samiev Pavel Alexandrovich, managing partner of the National Agency for Financial Research (NAFI) Presentation >>>

The moderator was Viktor Dostov.

The popularity of the online loans segment and its role in increasing financial inclusion is actively growing. Amendments to Law No. 407-FZ “On Amendments to Certain Legislative Acts of the Russian Federation and Recognition of Certain Provisions of Legislative Acts of the Russian Federation as Invalid” entered into force on March 29, 2016, impose new requirements on the conditions for simplified identification, including requirements for direct participants in the process - credit and microfinance organizations. The meeting participants considered how the new norms will be applied in practice and how the transition period will be organized for existing models. Representatives of the regulator, IFIs and payment system specialists discussed the role and opportunities of each in the development of digital financial services.

Yuri Bozhor spoke about increasing the level of financial inclusion through the development of digital financial services. “We are experiencing the greatest information and communication revolution in the history of mankind. More than 40 percent of the world's population has access to the Internet, and new users come online every day. Among the poorest 20 percent of households, almost 7 out of 10 have a mobile phone. The number of the poorest households with a mobile phone is higher than those with access to a toilet or clean drinking water. We must take advantage of these rapid technological changes to raise prosperity and strengthen social inclusion in the world.”, - noted Mr. Beaujor.

The results of the NAFI study, which characterizes the level of accessibility of financial services in Russia, were announced in his speech Pavel Samiev. An express survey of Russians was conducted from May to December 2015, in 150 settlements, in 85 constituent entities of the Russian Federation. The survey covered all federal districts, including the Crimean Federal District. According to the results of the study, only 13% of Russians surveyed believe that all financial services are quite understandable. The most difficult products to perceive are investment products (45%) and loans (33%). Every fifth respondent with a loan (22%) indicated that repayments account for more than 30% of income. A high proportion of complex loans (repayments occupy more than 30% of income) is observed among those who indicated the presence of a repayable mortgage loan (50%). The overall level of satisfaction with financial services is quite high. The number of people who know what microfinance organizations are has increased. The share of informal loans increased. The popularity of the segment of online loans is growing. At the end of 2015, the microloan portfolio grew, in contrast to most segments of the banking lending market. The share of the segment of other microloans FL is actively growing, while the share of the segment of legal entities and individual entrepreneurs is declining, and PDL is stagnating. Mr. Samiev noted that the market growth factors are: lower interest rates; growth potential in the regions; expansion of state support to MFIs for microcrediting legal entities and individual entrepreneurs; development of the segment of online microloans. At the same time, market deceleration factors include deterioration in the quality of the portfolio, tightening of reserve requirements and capital requirements (151-FZ), a limited list of funding sources, and a decrease in consumer activity of the population. According to NAFI forecasts, the growth rate of the microloan portfolio of MFIs is expected to slow down, the share of other microloans to individuals will increase, and the share of payday microloans (PDL) will decrease.

Roman Prokhorov spoke about aggregators of payment services and identification of IFC clients.

In the block “Government Support for Microfinance for Small Businesses: New Opportunities!” were:

• Bauer Tatiana Andreevna, Deputy Head of the Division for Lending to Small and Medium Businesses of the Department for the Development of Small and Medium Enterprises and Competition of the Ministry of Economic Development of Russia
• Vasilevsky Alexey Vyacheslavovich, General Director of JSC "Centurion Capital"
• Mishin Vladislav Yurievich , General Director of Brio Finance LLC Presentation >>>
• Suchkov Sergey Valerievich , Member of the Management Board, Head of the Risk Management Directorate of SME Corporation JSC Presentation >>>
• Yudaeva Daria , Head of the "Ratings of MFIs" NRA

The moderator was Elena Stratieva, Vice-President of NAMMS, Director of the RMC.

In 2015, SME Corporation JSC began its activities - a new structure for the development of small business. The Ministry of Economic Development, the Bank of Russia, together with the SME Corporation and SME Bank, are launching a program to support MFIs in entrepreneurial financing. How we will be included in the new SME support architecture, what are the results of these reforms, how the SME support program is being implemented, including through microfinance institutions, what are the further mechanisms for developing SME support - these and many other topical issues were discussed by the meeting participants at the Conference.

In a discussion session We report in a new way and prepare for the transition to new industry accounting standards” took part:

• Zolotykh Ekaterina Olegovna , Head of the Department for the Development of Supervisory and Statistical Reporting of the Division for Reporting Methodology for Non-Credit Financial Institutions of the Department for Collection and Processing of Reports of Non-Credit Financial Institutions of the Bank of Russia Presentation >>>
• Ivashkina Tatyana Borisovna, Director General of the National Union of Credit Cooperatives and their associations "League of Credit Unions"
• Potapova Valentina Valerievna, Consultant of the Department of Methodology for Supervision of Professional Lenders of the Main Directorate of the Microfinance Market and the Methodology of Financial Inclusion of the Bank of Russia
• Sannikov Grigory Andreevich, Head of the Department for the Development of Industry Standards for the Preparation of Accounting (Financial) Statements in Credit Institutions and Non-Bank Financial Institutions of the Department for the Development of Industry Standards for Accounting and the Preparation of Accounting (Financial) Statements in Credit Institutions and Non-Bank Financial Institutions of the Bank of Russia Presentation >>>

The moderator was Khalida Khusainova, Executive Director of the RMC.

Since 2018, the majority of microfinance market participants are switching to a new chart of accounts and industry accounting standards. Since last year, the Bank of Russia has been actively working to prepare this transition. Each MFI must draw up a transition plan and report quarterly on it either to the SRO or to the Bank of Russia. The plan includes activities on methodology, software and staff training.

During the session Valentina Potapova spoke in detail about the current state of work on the implementation of this transition plan.

Grigory Sannikov spoke about the unified chart of accounts and the procedure for switching to it.

Ekaterina Zolotykh presented changes in current reporting forms and spoke about plans to change reporting in the current year.

Tatyana Ivashkina shared the opinion of the market, outlined the problems and difficulties faced by consumer credit cooperatives in the implementation of the transition plan, highlighting the high cost of software developers and staff training as a significant problem in the new economic conditions.

During the discussion session "Legislative initiatives in the field of debt collection" took part:

• Savatyugin Alexey Lvovich, President NAMMS
• Shpeter Sergey Eduardovich, Member of the Board of the National Association of Professional Collection Agencies (NAPCA)
• Reshetnikova Alexandra, Director of the Department for Corporate Affairs of the company "Bystrodengi" Presentation >>>

The discussion was moderated Alexey Savatyugin.

The State Duma of the Russian Federation considered a package of bills on the activities of collection agencies - from the government-approved proposal by the Chairman of the State Duma Sergey Naryshkin and the Chairman of the Federation Council Valentina Matvienko to the version introduced by the leader of the Liberal Democratic Party Vladimir Zhirinovsky, deputy Mikhail Degtyarev and other deputies, which proposes to generally ban activities of collection agencies. The proposed bills on the activities of collection agencies caused an active controversy among experts. At the plenary session on April 12, deputies of the State Duma adopted in the first reading the draft law “On the protection of the rights and legitimate interests of individuals in the implementation of debt recovery activities”, submitted to the lower house of parliament Valentina Matvienko and Sergei Naryshkin.

The participants in the discussion discussed the pros and cons of the draft law adopted by the State Duma in the first reading on limiting the activities of collectors.

Summing up the event, Vice-President of NAMMS, Director of the RMC, Elena Stratieva thanked all speakers, participants and partners of the conference for fruitful joint work and constructive dialogue.

Online text broadcast Conferences can be viewed at the link

Photo report of the event posted on the RMC page on

Report on the III All-Russian Conference on Legal Psychology
Kochenov Readings "Psychology and Law in Modern Russia"

On October 18-20, 2012, the next All-Russian Conference on Legal Psychology with international participation was held at the Moscow City Psychological and Pedagogical University. The Kochenov Readings “Psychology and Law in Modern Russia”, dedicated to the memory of M.M. Kochenov - an outstanding scientist, psychologist, expert, who made a great contribution to the development of legal psychology in Russia. During the conference, topical problems of legal psychology in Russia and abroad were considered in order to unite specialists working in various fields of legal psychology and generalize the experience of their theoretical and practical developments.

The conference was organized by the Faculty of Legal Psychology of the Moscow City Psychological and Pedagogical University in cooperation with the State Scientific Center for Social and Forensic Psychiatry named after I.I. V.P. Serbian. The organizing committee of the conference included outstanding scientists - theoreticians and practitioners, candidates and doctors of psychological, legal, medical sciences, employees of leading universities and research centers of the country, such as Moscow State University. Lomonosov, Institute of Psychology of the Russian Academy of Sciences, SSC SSP, VNTSPZ, Academy of Management of the Ministry of Internal Affairs of the Russian Federation, Russian Law Academy of the Ministry of Justice of the Russian Federation, Academy of the Prosecutor General's Office of the Russian Federation, Center for Mediation and Law. The conference was attended by representatives of the Ministry of Education and Science of the Russian Federation, the Department of Education of Moscow, specialists and heads of psychological services of the Federal Penitentiary Service of Russia, the Ministry of Internal Affairs of Russia, the Ministry of Justice of Russia, the Ministry of Emergency Situations and educational institutions of the constituent entities of the Russian Federation, members of the Federation of Educational Psychologists of Russia, psychologists of neighboring countries (Lithuania , Ukraine, Belarus, Moldova) and distant (Germany) abroad, representatives of specialized universities, institutions of additional education. The program committee of the conference "Psychology and Law in Modern Russia" was presented by Doctor of Psychology, Professor, Academician of the Russian Academy of Education Rubtsov V.V. psychologists of education in Russia Zabrodin Yu.M., Ph.D., Laureate of the Prize of the President of the Russian Federation in the field of education Zadorina E.N., Ph.D., Professor, Laureate of the Prize of the President of the Russian Federation in the field of education Margolis A.A. , Doctor of Medical Sciences, Professor Kekelidze Z.I.

At the opening of the conference, a welcoming speech was made by: Zabrodin Yuri Mikhailovich, Doctor of Psychology, Professor, Vice-Rector for Research at the Moscow State University of Psychology and Education, Hessmann Hans-Werner, Doctor of the University of California, Director of the Center for Advanced Studies, Diagnostics and Therapy, Bergerhausen Psychotherapeutic Institute, Mikhail Ivanovich Maryin, Doctor of Psychology, Professor of the Department of Psychology, Pedagogy and Organization of Work with Personnel of the Academy of Management of the Ministry of Internal Affairs of Russia.

Pavel Alekseevich Astakhov, Commissioner for Children’s Rights under the President of the Russian Federation, sent a welcome letter to the participants of the conference, in which he stressed the need to consider at the conference the results of special studies on issues of family and sexual violence, the development of the legal awareness of children and adolescents, the psychological aspects of the concept of “the interests of the child , psychological problems of adolescents with deviant behavior. In his opinion, it is necessary to urgently solve the problem of the shortage of child psychiatrists, clinical psychologists, including forensic ones. He also focused on the fact that without the participation of child psychologists, the practical implementation of the Federal Law No. 436-FZ "On the Protection of Children from Information Harmful to Their Health and Development", which entered into force on September 1 this year, is impossible. He drew attention to another urgent problem that requires qualified intervention of specialists - the problem of the psychological safety of the children's play environment. And in conclusion, he wished further success and achievements in scientific and professional activities, which are so necessary for the harmonious development and full life of the younger generation.

The work of the 3rd All-Russian Conference on Legal Psychology was carried out in the following areas: the psychology of deviant and criminal behavior; clinical psychology in a legal context; juvenile legal psychology; penitentiary psychology and practice of execution of criminal penalties; personality-oriented psychotechnologies in law enforcement; problems of training specialists in legal psychology; extreme psychology; mediation and mediation approach in the education system and in the social sphere. Within the framework of the conference, the final event of the project "Childhood under protection: German-Russian exchange of experience in the field of juvenile technologies" was held - a round table in the form of a Moscow-Dusseldorf teleconference and a press conference on the results of the project.

The conference program was notable for its breadth and content diversity, as well as the high relevance of the reports presented. The work of the sections was rich and dynamic, there was a genuine interest in the developments of the participants. More than 10 reports were presented at the section "Clinical Psychology in a Legal Context", each of which caused a heated discussion, the only disappointment was the fact that the section's working time was limited and not all participants were able to discuss issues of concern to them. Among the reports presented, I would especially like to note the speeches of Dr. Safuanova F.S. on the ethical problems of using psychological knowledge in legal proceedings in non-procedural forms, Ph.D. Leontieva D.A. on the problem of establishing the motive of action in forensic psychological examination, Ph.D. Ratinova N.A. about typical mistakes in the production of forensic psychological examinations of extremist materials. A lively discussion was caused by the reports of Rusakovskaya OA, Ph.D. Petrova L.G., Ph.D. Zharkova G.V.

The section also featured interesting reports by Lithuanian colleagues - Dr. Valickas Gintautas and doctoral student of Vilnius University Voropai K., devoted to psychological studies of various aspects of the behavior of participants in legal proceedings.

The work of the section "Extreme Psychology" was held in an informal manner, the reports of the participants, as it were, were built into a permanent discussion caused by the speech of Ph.D. Miller L.V. about the problem of suicidal behavior of adolescents and youth for educational institutions, introducing more and more questions and opening up new aspects of the problem of suicide at a young age.

Within the framework of the section "Juvenile Legal Psychology", topical issues related to the protection of the rights and interests of children and the psychological problems of adolescents with deviant behavior were discussed. The discussion was attended by researchers and teachers of the Moscow City Psychological and Pedagogical University, Nizhnevartovsk State University for the Humanities, Irkutsk State University, the Southern Regional Forensic Center of the Ministry of Justice of the Russian Federation, the branch of the State Budgetary Institution "City Center "Street Children" in the SEAD of the city Moscow, State Scientific Center for Social and Forensic Psychiatry. V.P. Serbian. The speeches were accompanied by presentations that reflected the main essence of the report and contributed to a better understanding of the problem raised. Considerable interest and further active discussion were caused by the developments of Fedonkina A.A. (State Scientific Center for Social and Forensic Psychiatry named after V.P. Serbsky), Dozortseva E.G. (Moscow City Psychological and Pedagogical University), Shipshina O.S. (Southern Regional Center for Forensic Expertise of the Ministry of Justice of the Russian Federation).

At the Section "Person-Oriented Psychotechnologies in Law Enforcement", researchers and teachers of the Moscow City Psychological and Pedagogical University, Moscow University of the Ministry of Internal Affairs of Russia, the Federal Customs Service, St. Petersburg Law Institute of the Academy of the Prosecutor General's Office of the Russian Federation presented presentations and video materials of their scientific developments. A lively discussion was caused by the speeches of Bazylevich T.F., Sokolova O.A., Burtseva E.V. Outside the program, Uryvaev V.A. was asked to speak. and Balykov P.N.

The topics of the section "Psychology of deviant and criminal behavior" covered various aspects of the psychology of criminal and deviant behavior. In their speeches, the conference participants touched upon such topics as the psychological mechanisms of offenses and the psychology of offenders, the psychology of the victim, deviant behavior, delinquent, addictive behavior. The section was attended by researchers, teachers and students of the Nizhnevartovsk State Humanitarian University, Southern Federal University, Penza State Pedagogical University. V.G. Belinsky, Omsk State University. F.M. Dostoevsky, Saratov State University, Moscow City Psychological and Pedagogical University. Gorfan Ya.Yu., Konstantinov V.V., Tselikovskiy S.B., Mikhailova O.Yu.

The section "Penitentiary psychology and the practice of executing criminal penalties" examined the history of the formation of domestic penitentiary psychology and the experience of resocialization of juvenile offenders. The speakers examined the regularities and mechanisms of manifestations of the psyche in individual convicts, socio-psychological phenomena in their environment, as well as the effectiveness of the means of influence used by correctional officers in the process of executing various types of punishment. The discussion was attended by researchers, teachers and students of the Moscow City Psychological and Pedagogical University, Moscow State University for the Humanities. M.A. Sholokhov, VIPE FPS of Russia, Vologda Institute of Law and Economics of the Federal Penitentiary Service of Russia, UFSIN of Russia in the Ulyanovsk Region, Personnel Department of the Federal Penitentiary Service of Russia. Debolsky M.G., Zelenina M.M., Ilyin A.V., Pozdnyakov V.M.

The section "Problems of training specialists in legal psychology" considered issues of training in the field of legal psychology, multi-level training programs in the face of changing educational standards, a new state standard for training specialists, organizing practice in training legal psychologists. Of particular interest were the speeches of Egorov I.A., Chernushevich V.A.

This year's conference was greatly enhanced by three Round Tables.

On the first day of the conference, a round table "Actual problems and ways to improve the prevention of deviant behavior among students of state educational institutions subordinate to the Department of Education of the City of Moscow" was held, which brought together a significant number of participants and was very lively and efficient.

On the second day of the conference, a round table "Mediation and the mediation approach in the education system and in the social sphere" was held, which discussed the role and possibilities of mediation in resolving and preventing conflicts in the social sphere and education, the advantages and prospects for the development of mediation and the mediation approach in these directions.

We should also mention the final event of the project "Childhood under protection: German-Russian exchange of experience in the field of juvenile technologies", which included a round table in the form of a teleconference Moscow-Dusseldorf and a press conference following the results of the project "Childhood under protection: German-Russian exchange of experience in the field of juvenile technologies.

The conference "Kochenovsky Readings" - 2012 was held at a high scientific, methodological, content and organizational level, for which the participants expressed their deep gratitude to the organizers of the conference.

Zeiger M.V.,
Nazarova N.G.

Conference report
“The effect of professional development of teachers when using
Internet resources, including:

· conference program;

· list of conference participants (registration lists);

The report on the conference "The effect of professional development of teachers when using Internet resources" includes:

1. Conference program (full program - in the booklet):

9.00-10.00 - Registration

10.00-10.30 - Greeting of the participants

PhD, Deputy Minister of Education of the Orenburg Region

, Ph.D., director of the State Institution "RCRO"

, head of the structural subdivision of the State Institution "RCRO", regional coordinator of the "ISO" project

10.30-12.30 - Plenary reports

1. The results of the implementation of the program "Internet support for the professional development of teachers" of the Orenburg region within the framework of the "ISO" project - I., Ph.D., deputy. Director of State Institution "RCRO", Regional Project Manager "ISO"

2. The role of the regional system for advanced training of educators in the implementation of the program "Internet support for the professional development of teachers" - , senior lecturer of the IPKiPPRO OGPU, regional coordinator of the Co-executor of the "ISO" project

12.30-14.00 - Lunch break (room 5). Relocation of the project team to the Ministry of Education ()

14.00-17.00 - Teleconference "Internet support for the professional development of teachers in the Orenburg region: regional aspect" (4 points of communication; during the break-coffee-break).

10.00-11.30 - Round table "The effect of professional development of teachers when using Internet resources"

11.30-12.00 - Coffee break

12.00-13.00 - Decision making. Summing up the results of the conference.

2. List of conference participants (registration sheets);

3. Conference materials:

3.1. Analytical report

The conference was attended by 70 people. However, during the teleconference (report - appendix 2.3.), the number of participants increased to 123 people.

The demonstration presentation for the conference participants (viewing) allowed to see all the planned events and involved sites before the conference.

The greeting of the conference participants was started by the Deputy Minister of Education, who outlined the importance of the ISO project in the development of the regional education system and wished fruitful work during the two days of the conference to all its participants.

Two plenary reports were made at the conference:

1. The results of the implementation of the program "Internet support for the professional development of teachers" of the Orenburg region within the framework of the "ISO" project - I., Ph.D., deputy. Director of the State Institution "RCRO", Regional Project Manager "ISO" (viewing the report). The speaker made a presentation of the resources developed during the implementation of the program "Internet support for the professional development of teachers", indicating the level of adaptation of each of the resources and discussing with the participants the prospect of using existing resources in pedagogical practice, as well as plans for the future, both in development and in use of resources and training on ICT use and contemporary pedagogical initiatives. The report focused on the importance of Internet support for the professional development of a teacher.

2. The role of the regional system of advanced training of educators in the implementation of the program "Internet support for the professional development of teachers" - Senior Lecturer IPKiPPRO OGPU, regional coordinator of the Co-executor of the project "ISO" (report view). The speaker devoted his speech to the presentation of the developed resources, which are important and necessary for the development of the professional level of teachers in the field of formation and development of specialized education.

3.2. Round table "Effect of professional development of teachers when using Internet resources"

The following questions were brought to the Round Table for discussion:

1. What are the means of network professional interaction of teachers?

· , Orenburg, RCRO. Subject: Portal "Network of Creative Teachers" as a means of network professional and on-line interaction of teachers

· , Buguruslansky district, MOU Mikhailovskaya secondary school. Message subject: Formation of ideas about the structure and methods of creating and using Internet resources on the example of courses in the Microsoft "Academy of Teachers" program

2. Textbook or Internet?

, OGPU, Orenburg. Message subject: Educational course "Planet of Delphi" (object-oriented programming in Delphi language) - view the message, Maryevskaya secondary school, Oktyabrsky district. Message subject: Textbook or Internet? (view presentation)

3. How does the use of Internet resources affect the professional growth of teachers?

3.3. A video that was broadcast in the media (viewing: regional television "Planet").

3.4.Sample certificate of a conference participant (view)

3.5.Decision of the conference.

Solution

conference "The effect of professional development of teachers when using Internet resources"

The conference was supported by the National Personnel Training Staff, the Ministry of Education of the Orenburg Region, high activity and great interest of participants working in various types of educational institutions and various municipalities of the Orenburg Region. There was an intensive exchange of views and information between the participants. Conference materials are available on the website of the State Institution "Regional Center for the Development of Education" www. ***** .

The conference noted the following:

1. The term "Internet resources" has recently firmly entered the lexicon of pedagogical and administrative workers of educational institutions, despite the lack of an unambiguous definition of this term. Each user of the Internet, based on the experience gained, puts a certain meaning, his own interpretation into the concept of Internet resources. We can say that this concept has a collective image, which includes several aspects of the presentation and use of information. Internet resources include: e-mail; Usenet telecommunication system; file archive system; WWW databases; databases (Gopher); databases (WAIS); information resources (LISTSERV); help desk; search engines, etc.

2. Internet resources are understood as textual, graphic, factual and multimedia information posted on Internet sites (servers), which can be accessed by the user upon his request in the form of files or sets of files (including archives) of various formats (HTML, DOC, PDF, TXT, etc.). The use (reading, copying, viewing) of this information requires the availability of appropriate software tools (browsers) on the user's computer. On the server of an educational institution (training center), information can be stored statically (in files) or generated dynamically depending on the user's request (from the database). Internet resources also include executable programs (distributions) hosted on servers that can be transferred to the user's computer for further use at the user's request.

3. Internet resources for the educational process are information carriers that represent a significant amount of educational resources that are constantly updated and are available at any time to a remote user. Educational Internet resources should be understood as resources created specifically for use in the learning process of certain categories of students: schoolchildren, students, teachers, school leaders, etc. Educational Internet resources will include educational, methodological, scientific, methodological and additional textual and illustrative materials, control and self-control systems and other resources focused on specific subject areas and available to Internet users.

4. Internet resources can be intended both for a single user (for example, a teacher or a student), and for information support of an education system of a certain level (school, municipal, regional, federal, international). Legal, regulatory, statistical, reference information also refers to Internet resources, without which the activities of educational institutions or educational authorities cannot be effective.

Operative part

The participants of the conference decided:

1. The project group of the State Institution "Regional Center for the Development of Teachers" to continue to work in all areas of the program "Internet support for the professional development of teachers", involving advanced pedagogical initiatives.

2. Continue work on the content and modernization of www. ***** and www. *****

3. Continue work to activate students of advanced training courses and participants in zonal and regional training seminars at the Orenburg Pedagogical Forum.

4. Come up with a proposal to the Ministry of Education of the Orenburg Region with a proposal to improve existing curricula related to the use of ICT in the professional activities of teachers, in particular, to prepare for the use of modern Internet resources and Internet technologies.

5. To initiate the leadership of schools and teachers of educational institutions to the effective use of Internet resources in the study of various subject areas and their own professional development, focusing on the creation of the following conditions:

integration of modern Internet resources with traditional educational and methodological aids; motivation of the creative and intellectual potential of the subjects of education through self-organization, the ability to use ICT in professional and everyday activities; modeling of individual learning routes and communicative situations, taking into account the individual characteristics of the subjects of learning.

6. Continue the work of the pedagogical lounge, within which teachers will communicate, seeking to use Internet resources in educational activities. They should act as specialists in the field of information and communication technologies and have a desire for continuous professional growth in the use of modern pedagogical, information and communication technologies. They must understand the principles:

purpose, features of the device and functioning of the telecommunications network;

storage and transmission of information within the network;

building the main network information resources and features of working with them;

· organizing and conducting telecommunication projects, thematic teleconferences;

· methodological features of the organization of the educational process in the network, the basic rules of user behavior in the network, the basics of telecommunications etiquette.

7. Taking into account the growing interest of modern school teachers in the problem of using Internet resources and Internet technologies in school practice, to initiate at the level of the Ministry of Education of the Orenburg Region the importance of the problem of continuously raising the level of information culture of teachers of the highest, first and second qualification category. For them, the skills of working in e-mail, forums, CHATs, Internet seminars, teleconferences, network information services should be mandatory. The main skills of the activities of teachers striving for the status of a network teacher should be acquired skills that allow them to:

· high-quality and prompt selection and processing of information available in the network;

search for vital information on the World Wide Web;

preparation of information for transmission over the network;

· organization of development and implementation of a network educational process using modern ICT.

The report was prepared by:

Ph.D., Deputy Director of the State Institution "RCRO"

Methodist-tutor, organizer of courses on ICT issues at the State Institution "RCRO"