That includes credit history?

 

It contains information on how a borrower in default under the loan agreements, such as past and current loans, their amount, how is their repayment, information on debt and arrears. Also, it shall enter the information on creditors, and data on who and when asked for a credit history.

 

What you need to know your credit history?

 

Credit history - a borrower's financial reputation and that of her mainly depends credit approval. The borrower can find out your credit history before you apply for a loan as follows, to make sure that she made to the entries correspond to reality, and to examine the quality of their credit history. In addition, the borrowers become familiar with their credit history, if they have any doubt that it made the correct data, and to control their payment behavior.

 

For what reasons have to refuse customers in the loan?

 

The list of reasons is sufficiently large, there are minimum requirements, such as age, residence, region of residence, and so forth. But, unfortunately, only meet these requirements, the customer may decline. Service checks have worked very well and quickly, in six months we have increased processing speed, lowered the percentage of defaults. We tried to improve odobryaemost, while lowering customers' requirement.

 

What is the population group most appeals to you for obtaining the loan?

 

It is difficult to single out a specific group. That both men and women aged 20 to 50 years, it is students and mothers on maternity leave, and people with average or low income. However, there are exceptions entrepreneurs, businessmen also occur.

 

Is there some sort of seasonality in the microfinance sector? If so in what season there is the greatest demand for microloans?

 

Seasonality is weak. Of course, there are peaks of the New Year before the May holidays or September, but in general, the fluctuations are not as great as seasonal markets.

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