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Funding Societies | Modalku is the largest SME digital financing platform in Southeast Asia. We are licensed in Singapore, Indonesia, Thailand, and registered in Malaysia. We are backed by Sequoia India and Softbank Ventures Asia Corp amongst many others and provides business financing to small and medium-sized enterprises (SMEs), which is crowdfunded by individual and institutional investors. And here at Funding Societies | Modalku we live by our core values:
<ul>
<li> Serve with Obsession: Build win-win relationships for the long-term by having a customer obsession.</li>
<li> Grow Relentlessly: Strive to become our best, most authentic selves.</li>
<li> Enable Teamwork, Disable Politics: Only by forging togetherness, we help each other succeed.</li>
<li> Test Measure Act: Stay curious and reinvent ourselves, through innovation and experimentation.</li>
<li> Focus on Impact: Create impact through bias for action and tangible results.</li>
</ul>
The Strategic Investor Senior Manager will be part of a dynamic team focusing on improving FSMK’s capital position by raising debt regionally across Accredited Investors (AIs), High Net Worth Individuals (HNWI), and Family Offices (FO) segments. The goal is to grow and strengthen the firm's stronghold in the private credit B2B space by contributing and leading in debt initiatives while taking pride in being part of a dynamic, ever-changing, and sophisticated environment.
What you will do:
<ul>
<li>Manage and act as the primary face to the market in the identification and approach to AI/HNW/FO; including identification of overseas funding sources and developing the materials</li>
<li>Providing a differentiated alternative suite of private investments and advice to potential/ existing clients</li>
<li>Servicing existing relationships/ stakeholders/ investors</li>
<li>Supporting front/ middle/ backend processing functions</li>
<li>Leading due diligence matters with various clientele</li>
<li>Collaborating within the team for the goal-oriented activities</li>
</ul>
Requirements
What we are looking for: 
<ul>
<li>Tertiary qualification in business administration, finance, economics, or related field</li>
<li>3-6 years’ exposure in the AI/HNWI space from financial institutions as a client advisor/ relationship manager</li>
<li>Demonstrated consistent sales performance with financial products</li>
<li>Experienced across all investment asset classes, capital and private</li>
<li>Relevant licenses for advancement of capital products</li>
</ul>
You will shine in this job if you are/have:
<ul>
<li>Up-to-date to date with current macro environment</li>
<li>Resourceful, out-of-the-box creativeness</li>
<li>Strong sense of ownership</li>
<li>Well versed in salesmanship</li>
<li>Well connected with potential clients</li>
</ul>
Benefits
<ul>
<li> Time off - We would love you to take time off to rest and rejuvenate. We offer flexible paid vacations as well as many other observed holidays by country. We also like to have our people take a day off for special days like birthdays and work anniversaries. </li>
<li> Flexible Working - We believe in giving back the control of work &amp; life to our people. We trust our people and love to provide the space to accommodate each and everyone's working style and personal life. </li>
<li> Medical Benefits - We offer health insurance coverage for our employees and dependents. Our people focus on our mission knowing we have their back for their loved ones too. </li>
<li> Mental Health and Wellness - We understand that our team productivity is directly linked to our mental and physical health. Hence we have Wellness Wednesdays and we engage partners to provide well-being coaching. And we have our Great FSMK Workout sessions too to keep everyone healthy and fit!</li>
<li> Learning &amp; Development - We believe learning should never end and we support everyone with self-learning L&amp;D allowances. </li>
<li> Tech Support - We provide a company laptop for our employees and the best possible support for the right equipment/tools to enable high productivity </li>
</ul>

Senior Manager, Strategic Investors

JD
Experience 1 to 9 years
Location KL, Malaysia
Well versed in Oracle OFSAA 8.0.7 /Hyperion Financial Management *Hyperion Planning/ Hyperion Essbase/ OBIEE *Working on AIX7.1/Oracle 11g and 12c/Oracle Essbase and Windows 2008 *Language: Experience in PL/SQL , Unix Shell Scripting, Essbase scripting, OBIEE RPD development *Environment: AIX7.1 , Windows 2008 for Hyperion Financial Management • Able to work independently with minimum guidance. • Have good communication skills (to work with various Teams including users). • Able to organize and prioritize assignments in a fast-paced and deadline-oriented environment. • Good Team Player. 
Requirements
Responsibilities:
• To enhance and develop projects/Change Requests related changes and to ensure deliverables are in good quality • To participate in user requirements gathering and able to provide impact analysis and efforts estimation • To develop functionalities to cater for business requirements using Windows Scripting, SQL • To design and build the Control-M jobs for batch processing • To carry out unit testing and SIT on the developed functions

Developer - Hyperion Essbase / OBIEE

We are looking for an outstanding Accountant, who is driven to consistently overachieve, to manage the financial and management account functions in an Oil and Gas Company. The successful candidate will analyze everyday financial activities, pass the entries, prepare the reports, and subsequently provide advice and guidance to management on future financial plans.
Job Description
<ul>
<li>Prepare and provide financial and management accounting reports and interpret financial information to management while recommending further courses of action.</li>
<li>Maintain and update accounting records and files</li>
<li>Analyse budgets and create expense reports</li>
<li>Examine tax policies and handle tax payments and returns</li>
<li>Post transactions and categorize records in the general ledger (e.g. by assets, liabilities, and expenses)</li>
<li>Reconcile bank statements</li>
<li>Analyse transactions with internal and external stakeholders</li>
<li>Conduct month-end and year-end closures</li>
<li>Prepare documents for audits</li>
<li>Apply new accounting policies and ensure compliance with rules and regulations</li>
<li>Ensure timely, accurate consistent recording of all activities of the company in the books of accounts.</li>
<li>Analyze revenues, costs, pricing, variable contributions, sales results, and the company’s actual performance compared to the plans.</li>
<li>Conduct reviews and evaluations for cost-reduction opportunities.</li>
<li>Liaise with external auditors and tax consultant and company secretary for prompt audit, resolution, and filing of annual returns.</li>
<li>Ensure all accounting activities and internal audits comply with financial regulations.</li>
</ul>
Requirements
Required Education/Qualification
<ul>
<li>BA/BSc in Economics, Finance Accounting, Engineering, and or Mathematics., MSc is a plus</li>
<li>Professional qualifications such as ACCA/ACA/CFA/CPA is a must.</li>
</ul>
Required Experience
<ul>
<li>Minimum of 5 years of relevant proven work experience in oil and gas industry.</li>
<li>Preference will be given to candidates currently in similar roles within the financial services sector. </li>
</ul>
Required Skills
<ul>
<li>In-depth understanding of cash flow management, bank reconciliation, and bookkeeping</li>
<li>Hands-on experience with budgeting and risk management</li>
<li>Excellent knowledge of data analysis and forecasting models</li>
<li>Proficiency in accounting software</li>
<li>Solid math, analytical, and decision-making skills</li>
<li>A solid understanding of financial statistics and accounting principles</li>
<li>Working knowledge of all statutory legislation and regulations</li>
<li>Excellent use of Microsoft Office Word and Excel; </li>
<li>Attention to detail, Confidentiality and integrity</li>
<li>Extensive understanding of financial trends both within the company and general market patterns</li>
<li>Strong interpersonal, communication, and presentation skills. Able to work with and support cross-functional teams</li>
</ul>

Company Accountant

Qiddiya Investment Company, a leader in shaping the future of entertainment and leisure in Saudi Arabia, is seeking a dedicated and experienced professional to join our team as Senior Manager - Fixed Assets. In this role, you will oversee the management of fixed assets throughout their lifecycle, ensuring that they are accurately accounted for and effectively utilized in line with project goals.
The Senior Manager - Fixed Assets will be responsible for developing policies and procedures for fixed asset management and ensuring compliance with relevant regulations and standards. Your expertise in asset management will play a crucial role in optimizing our resources and enhancing our operations.
 
<h3>Responsibilities</h3>
<ul>
<li>Develop and implement a comprehensive fixed asset management strategy, including acquisition, tracking, valuation, and disposal.</li>
<li>Maintain accurate and detailed records of fixed assets, ensuring compliance with accounting standards and regulatory requirements.</li>
<li>Coordinate with various departments to ensure timely and accurate reporting of fixed assets.</li>
<li>Monitor and analyze fixed asset performance and recommend improvements as necessary.</li>
<li>Conduct regular audits of fixed assets to ensure accuracy and compliance with company policies.</li>
<li>Provide guidance and training to staff on fixed asset management processes and best practices.</li>
<li>Prepare financial reports related to fixed assets for senior management review.</li>
</ul>
Requirements
<ul>
<li>Bachelor's degree in finance, accounting, asset management, or a related field (Master's degree preferred)</li>
<li>Minimum of 9-12 years of experience in fixed asset management, accounting, or finance</li>
<li>Strong understanding of fixed asset accounting principles and practices</li>
<li>Proven experience in implementing asset management systems and processes</li>
<li>Excellent analytical and organizational skills, with a keen attention to detail</li>
<li>Strong communication and interpersonal skills, with the ability to work collaboratively with cross-functional teams</li>
<li>Proficient in financial software and asset management systems</li>
</ul>

Senior Manager - Fixed Assets ( COR 301 )

Qiddiya Investment Company is a pioneer in the development of entertainment and cultural destinations in Saudi Arabia. We are currently looking for a dedicated and detail-oriented individual to join our team as a Manager - Inventory. In this role, you will be responsible for overseeing inventory management processes, ensuring optimal stock levels, and maintaining the integrity of inventory records across our operations.
Your expertise will be crucial in supporting our supply chain efforts and contributing to the overall efficiency and effectiveness of our projects.
<h3>Responsibilities</h3>
<ul>
<li>Develop and implement inventory management strategies that optimize stock levels and minimize waste.</li>
<li>Monitor and analyze inventory metrics and performance, making data-driven decisions to improve processes.</li>
<li>Coordinate with procurement and logistics teams to ensure accurate stock replenishment and timely delivery of goods.</li>
<li>Oversee daily inventory operations, including receiving, storing, and distributing materials and products.</li>
<li>Maintain accurate inventory records and conduct regular audits to ensure data integrity.</li>
<li>Implement and uphold inventory control policies, procedures, and best practices.</li>
<li>Identify areas of improvement within inventory processes and lead initiatives to enhance operational efficiency.</li>
<li>Develop and maintain strong relationships with suppliers and vendors to facilitate smooth inventory operations.</li>
<li>Provide training and support to team members on inventory management procedures and systems.</li>
<li>Prepare regular reports on inventory status and forecasts for management review.</li>
</ul>
Requirements
<ul>
<li>Bachelor's degree in Finance,Supply Chain Management, Logistics, Business Administration, or a related field.</li>
<li>At least 6-9 years of experience in inventory management or supply chain operations.</li>
<li>Proven experience in developing and implementing effective inventory management strategies.</li>
<li>Strong analytical skills with the ability to interpret inventory data and make informed decisions.</li>
<li>Proficient in inventory management software and tools.</li>
<li>Excellent organizational and multitasking abilities.</li>
<li>Strong communication and interpersonal skills, capable of collaborating across teams.</li>
<li>Detail-oriented with a commitment to accuracy and quality.</li>
<li>Ability to lead and motivate a team; leadership experience is preferred.</li>
<li>Knowledge of relevant regulations and industry best practices.</li>
</ul>

Manager - Inventory (COR 303)

Job Summary
The role provides strategic leadership to the Company to establish and strengthen effective Internal Control frameworks and governance procedures that create a sustainable environment while addressing risks to the Organization’s mandate and objectives.
Key Responsibilities
<ul>
<li>Establish and ensure the&nbsp;effectiveness of the internal control framework for the company (includes all entities within the group). This should be based on the definition provided by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) Internal Control-Integrated Framework, May 2013 and Internal Control over Financial Reporting (ICFR). It should also meet the requirements of relevant government regulatory agencies (e.g. Securities and Exchange Commission and Federal Inland Revenue Service) </li>
<li>Ensure, Standard Operating Procedures (SOPs) are adequately designed, and&nbsp;tested in keeping with professional guidelines. Identified weaknesses are remediated on time and embedded through training and communication.</li>
<li>Ensure that all key controls over financial transactions and reporting are operating effectively. </li>
<li>Ensure full compliance with the ERP system (and other ancillary finance systems e.g. OMNI, SEC Portal, etc.) process and controls.</li>
<li>Design and embed effective dashboards and other management reporting mechanisms that report and track the strength of the&nbsp;internal control framework to the management and the Board (i.e. through the Board Risk and Control Committee and the Statutory Audit Committee).</li>
<li>&nbsp;Ensure an effective pre-payment audit process is in place.</li>
</ul>
Requirements
Qualifications:
<ul>
<li>Bachelor’s degree in Accounting, Finance, or related field.</li>
<li>Master’s degree or relevant professional certification e.g. (Associate member of the Institute of Chartered Accountants of Nigeria (ICAN). Certified Internal Auditor (CIA), Certified Public Accountant (CPA), or Certified Information Systems Auditor (CISA) certification will be added advantage.</li>
<li>A minimum of 10 - 15 years of experience in internal control, audit, or compliance roles, preferably in a manufacturing environment.</li>
<li>Proven experience in developing and implementing effective internal control systems.</li>
<li>Strong analytical and problem-solving skills.</li>
<li>Excellent communication and interpersonal skills.</li>
<li>Experience with ERP systems, particularly SAP, is highly desirable.</li>
<li>Working experience with the professional principles of Risk Management, Internal Audit and Internal Control.</li>
<li>Good grasp of management principles</li>
<li>Hand-on experience in the use of ERP (SAP)</li>
<li>MS Office skills</li>
<li>Change management skills</li>
<li>Excellent Interpersonal skills</li>
<li>Good written and oral abilities</li>
<li>Motivational, Creative, innovative</li>
<li>Team working ability</li>
</ul>
Benefits
<ul>
<li>Private Health Insurance</li>
<li>Paid Time Off</li>
<li>Training &amp; Development</li>
</ul>

HEAD, INTERNAL CONTROL (Dangote Sugar Refinery Plc.)

<ul>
<li>Handle full spectrum of financial operations for KSA legal entity: accounts receivable &amp; credit control (primary responsibility) with multi-skill support as and when required to accounts payable, expenses, treasury/bank operations, VAT reporting. To ensure timely collections, closing of accounts and related reconciliations, following proper internal controls and adherence to statutory and legal requirements and to internal policies &amp; procedures. Readiness to specialize in AR / Credit Control as required. </li>
<li>
<ul>
<li>Maintaining Customer Account/Accounts receivable and related records: customer ledger management and SOA reconciliation (incl. Intercompany), regular booking of customer collections, customer master data management, supporting analysis.</li>
<li>Credit Control and Ageing analysis in line with Credit Policy and in close partnership with the sales &amp; CS team (maintaining group credit policy, assessing/addressing customer credit risks)</li>
<li>Maintaining Supplier Accounts /Accounts Payable and related records: vendor ledger management and SOA reconciliation (incl. Intercompany), booking of supplier invoices &amp; payments, supporting analysis as required.</li>
<li>Operational Treasury support including preparation and execution of all payments from bank and bank reconciliations (incl. petty cash), servicing bank funding/debt, maintaining loan documentation and adherence to bank covenants. </li>
<li>Trade Treasury support including preparation of Letters of Credit (In-/Out-bound), CAD, Avalized Bills &amp; other guarantees and documentary credit, maintaining of financial records for these transactions.</li>
<li>Supporting Group Finance Manager in Internal &amp; External Audit Activities.</li>
<li>Internal Service Provider to dependent departments (Sales, CS, supply chain, admin functions, production) providing data and analytical support where required.</li>
<li>&nbsp;Invoicing, collections, controlling and reconciliation of accounts receivable; weekly &amp; monthly reporting, VAT, WHT, CT accounting for KSA, employee expenses administration.</li>
<li>Comply with all HR &amp; Electra Group policies and procedures</li>
</ul>
</li>
</ul>
Requirements
<ul>
<li>Bachelor Degree in Finance &amp; Accounting </li>
<li>Part- /fully- qualified Chartered Accounting or Management accounting certifications. (CA, ACCA, ACMA, CMA or equivalent) - Advantageous</li>
<li>3+ years of accounting operations experience in the AP, AR or Treasury function of a small to mid-size organization. </li>
<li>Excellent Accounting &amp; internal control awareness and data processing skills.</li>
<li>ERP functional experience (Navision, MS Dynamics, SAP, etc.)</li>
<li>Proficiency in English is required, while knowledge of Arabic is considered advantageous</li>
</ul>
General Obligations towards Health, Safety and Environment:
<ul>
<li>You will correctly use machinery, appliances, tools, transport, and all equipment issued by the company.&nbsp;&nbsp;</li>
<li>You will correctly use personal protective equipment supplied by the company.&nbsp;&nbsp;</li>
<li>You will not remove any safety devices for any machinery or installations.&nbsp;&nbsp;</li>
<li>You will perform all tasks set forth by safety and environmental regulations and thus cooperate with Electra to ensure a working environment and condition that do not pose any risks in terms of health, safety and environment to others</li>
</ul>
Benefits
<ul>
<li>Electra is an equal opportunity company who thrive on its diversity.</li>
<li>Competitive Salary</li>
<li>Medical Insurance</li>
<li>Merit Bonus</li>
<li>Learning &amp; Development Opportunities</li>
</ul>

Accounting Officer - KSA

Η&nbsp;Αctionline, σου δίνει την ευκαιρία να εργαστείς, για μια από τις μεγαλύτερες τράπεζες, στην περιοχή του Γέρακα ως Υπεύθυνος Συναλλαγών &amp; Εγγυητικών Επιστολών.
Καθήκοντα και Ευθύνες:
<ul>
<li>Διαχείριση αιτημάτων εταιρικών πελατών μέσω της πλατφόρμας της τράπεζας.</li>
<li>Έλεγχος της πιστοληπτικής ικανότητας και της οικονομικής κατάστασης των πελατών.</li>
<li>Συνεχής παρακολούθηση και ενημέρωση του status των πελατών.</li>
<li>Επικοινωνία με τα υποκαταστήματα όπου υπάγονται οι πελάτες για τη διευκρίνιση και την επίλυση θεμάτων.</li>
<li>Συμμετοχή στη βελτίωση των διαδικασιών και την αναβάθμιση των υπηρεσιών.</li>
</ul>
Απαιτούμενα Προσόντα:
<ul>
<li>Πτυχίο σε Οικονομικά, Διοίκηση Επιχειρήσεων ή συναφές αντικείμενο.</li>
<li>Προϋπηρεσία σε ανάλογη θέση ή σε τμήμα συναλλακτικής/εγγυητικών επιστολών θα θεωρηθεί πλεονέκτημα.</li>
<li>Γνώση των τραπεζικών διαδικασιών και προϊόντων.</li>
<li>Άριστη γνώση της ελληνικής και αγγλικής γλώσσας.</li>
<li>Δεξιότητες επικοινωνίας και ικανότητα εργασίας σε ομαδικό περιβάλλον.</li>
<li>Ικανότητα ανάλυσης και επίλυσης προβλημάτων.</li>
</ul>
Προσφέρουμε:
<ul>
<li>Ανταγωνιστικό πακέτο αποδοχών.</li>
<li>Μετακίνηση από τη Στάση του Μετρό Δουκίσσης Πλακεντίας</li>
<li>Συνεχή εκπαίδευση και ευκαιρίες επαγγελματικής ανάπτυξης.</li>
<li>Φιλικό και δυναμικό εργασιακό περιβάλλον.</li>
</ul>

Υπεύθυνος Συναλλαγών & Εγγυητικών Επιστολών

JOB SUMMARY
Lead the treasury function for Dangote Sugar Refinery Plc., ensuring effective cash management, risk management, and achieving the financial objectives of the organization while maintaining strong relationships with banks and financial institutions.
KEY DUTIES AND RESPONSIBILITIES
<ul>
<li>Develop and implement treasury policies, processes, and strategies that support the organization's overall financial objectives.</li>
<li>Manage day-to-day cash management activities including monitoring cash positions, cash flow forecasting, and liquidity management.</li>
<li>Ensure compliance with relevant regulations and best practices in treasury management.</li>
<li>Oversee financing strategies, including the management of investments and borrowings, to optimize the cost of capital.</li>
<li>Establish and manage relationships with banks and financial institutions, negotiating terms and ensuring favorable agreements.</li>
<li>Lead foreign exchange risk management activities to minimize currency exposure and enhance profitability.</li>
<li>Prepare and present treasury reports to the senior management and board of directors, providing insights on cash flow, funding requirements, and financial risk assessments.</li>
<li>Implement best practices in treasury operations, ensuring efficient processing of payments, collections, and reconciliations.</li>
<li>Work closely with external auditors and internal stakeholders to ensure compliance and provide advisory on treasury-related matters.</li>
<li>Motivate, develop, and manage the treasury team to achieve departmental and organizational goals.</li>
<li>Perform any other duties as assigned by the Chief Financial Officer.</li>
</ul>
Requirements
Education &amp; Experience 
<ul>
<li>Bachelor's degree in Finance, Accounting, Economics, or a related field.</li>
<li>Relevant professional certification (e.g., ACA, ACCA, CIMA, CFA).</li>
<li>Minimum of fifteen 10 - 15 years of experience in treasury management, with at least five (5) years in a leadership role within a corporate treasury function.</li>
</ul>
Skills &amp; Competence
<ul>
<li>Strong knowledge of treasury operations, cash flow forecasting, and financial risk management.</li>
<li>Excellent analytical and data analysis skills, with the ability to make sound financial decisions.</li>
<li>Proficient understanding of regulatory frameworks related to treasury and finance.</li>
<li>Exceptional communication and interpersonal skills for effective engagement with stakeholders.</li>
<li>Strong negotiation skills and capability to establish relationships with financial institutions.</li>
<li>High ethical standards and integrity in all financial dealings.</li>
</ul>
Key Attributes
<ul>
<li>Ability to lead and inspire a team while managing multiple priorities in a fast-paced environment.</li>
<li>Strategic mindset with a proactive approach to problem-solving and decision-making.</li>
</ul>
Benefits
<ul>
<li>Private Health Insurance</li>
<li>Competitive salary and benefits package</li>
<li>Opportunity to work with a dynamic team</li>
<li>Professional development and growth opportunities</li>
</ul>

HEAD,TREASURY (Dangote Sugar Refinery Plc.)

KPMG – міжнародна мережа незалежних фірм, що надають аудиторські, податкові та консультаційні послуги. KPMG — це бренд, під яким працюють і надають професійні послуги фірми-члени KPMG International Limited («KPMG International»). «KPMG» використовується для позначення окремих фірм-членів мережі KPMG або однієї чи кількох фірм-членів разом.
В офісах фірм-членів KPMG у 143 країнах світу працює понад 273 000 партнерів і співробітників. Кожна фірма є незалежною юридичною особою. Кожна фірма-член KPMG несе відповідальність за своїми зобов'язаннями.
У чому ви будете брати участь?&nbsp;
<ul>
<li>Виконання первинних аудиторських процедур;</li>
<li>Підготовка робочих документів для аудиторського проєкту;</li>
<li>Комунікація зі старшими колегами щодо роботи на проєкті;</li>
<li>Надання допомоги для податкових та консультаційних відділів за запитом.</li>
</ul>
Кого ми шукаємо?&nbsp;
<ul>
<li>Студент 3-6 курсів або випускник спеціальностей бухгалтерський облік/аудит/економіка або &nbsp;фінанси;</li>
<li>Аналітичні здібності;</li>
<li>Рівень володіння англійською мовою від&nbsp;Intermediate;</li>
<li>Вміння працювати в команді;</li>
<li>Бажання навчатися та розвиватися.&nbsp;</li>
</ul>
Що ми пропонуємо?
<ul>
<li>Робота в&nbsp;команді професіоналів та лідерів у&nbsp;сфері аудиту;</li>
<li>Цікаві завдання та&nbsp;прозорий шлях кар'єрного та&nbsp;професійного зростання;</li>
<li>Можливості отримання міжнародного досвіду;</li>
<li>Конкурентну заробітну плату та&nbsp;соціальний пакет;</li>
<li>Участь у&nbsp;КСВ проектах;</li>
<li>Можливість працювати віддалено або у&nbsp;комфортному офісі у&nbsp;центрі міста;</li>
<li>Велика кількість тренінгів для розвитку професійних навичок.</li>
</ul>
KPMG в Україні створює робоче середовище, де кожен має можливості для розвитку та побудови кар’єри: компанія дотримується принципу нульової толерантності до будь-яких проявів дискримінації за ознаками віку, статі, сексуальної орієнтації чи інвалідності. Ми поважаємо різноманіття думок і досвіду, адже &nbsp;переконані - працюючи разом, люди з різними знаннями та поглядами генерують більше креативних ідей, знаходять кращі рішення та розробляють інноваційні продукти.
Приєднуйтесь до розмаїтої команди KPMG в Україні, проявляйте свою індивідуальність і реалізуйте свій потенціал.&nbsp;

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