Acbaș Valentina. It’s enough just to look at the fish and I can say immediately when it was caught…

05052020

Interview with Acbas Valentina, entrepreneur from Gagauzia. The material was prepared as a part of the business support project by the lending company Microinvest.

Hello, Valentina. The people from Microinvest told me that you sell fish. For a long time?

Pavel, I’ve been selling fish for 28 years. If you will be in Comrat, on Pobedî Street, don’t pass by my store…

Valentina, a question, it is awkward to ask a woman, but by phone it is difficult to establish the age, and it is already interesting to me…

63 years old, but no one thinks I am more than 50. Do you know how much sport I’ve done in my life?! I was always first. I still don’t bypass the stadium. The policemen and I are running at the same time…

I see. Let’s go back to the fish. Do you have your own ponds? Is there a lot of fish?

There is nothing left today. Tomorrow morning there will be about 500 kg. I had a pond, bought it, then sold it. I prefer to sell. Everyone knows me, so I’ll never be left without fish. For example, Eugen from Taraclia. He is a big owner, he sells a lot, has his own store in Chisinau, but he always delivers to me. So, if there’s nothing left in the store today, it’s because it’s already evening. Tomorrow I will have fish again.

But which fish is most in demand?

Zander, crucian carp, carp, very beautiful and tasty from Taraclia. But also bream taranka, only for its sake can you come especially.

And you, what fish do you prefer?

I have just fried a zander, I don’t eat meat at all. I’ll tell you that, Pavel. Not everyone is given this job – to know the fish. I just look at the fish and I can tell immediately when it was caught, an hour or three ago. And what about trade, I have this gift from God or from my father, he was also a trader. The main thing here is to always work, never stop.

But at least once a year do you allow yourself a week of vacation?

I’ve never been to the sea. I don’t even want to, I have a tanned skin by nature. I have daughters, whom I help, a niece, two brothers. I have someone to take care of besides me. I’m doing well without the sea, I’d rather work than go on vacation.

How did the quarantine affect you?

Not at all. People have to eat. So, I worked in sales every day. I took all the sanitary measures as needed and worked.

Good! So, even with the loan and interest repayment, you didn’t encounter any problems? Did you take a loan for your business , or maybe equipment?

I already had the equipment. I have four refrigerators and a special water boat at home. I put the compressor on, and the fish stays alive in it. No, I applied for a loan to buy an apartment. Let the property bring income, it is for rent. Then – everything will remain in the family.

Do you have much left to repay?

Initially I had 600,000, and now, until the new year, I have 200,000 left. Sometimes I even pay in advance, and Microinvest rewards me in its own way for this *. As soon as I pay the full amount, I will take another loan from Microinvest. I won’t say for what now, but I have an idea to expand the business. I think I’ll do it until the new year. I really appreciate Microinvest help in the business. I was called from the banks with loan offers proposals, but I prefer to work only with Microinvest and my Galina, with whom I collaborate from the very beginning.

*Company note: In case of early repayment, the repayment schedule is revised and the final price for the credit is reduced. The company does not charge an early closing fee for agricultural loans.

Does your family help you in your business?

My daughter is a police officer and I also plan to send my niece to work there. My brothers are living in Chisinau, so I manage the business on my own and help my family. I told you, no one thinks I’m over 50, I can still work and work.

Pavel Zingan

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Client's Name
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1. Name and Contact Information of the Creditor
Creditor
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3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR) This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers	%
In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the credit agreement	Fee for services rendered in relation to usage of credit, calculated and paid as follows: of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force. In case of negotiation / prolongation of the loan, the Borrower shall pay to the Creditor, at the date of the negotiation / prolongation a commission in the amount of 2% from the credit balance at the time of negotiation / prolongation.
Conditions under which the costs related to the credit agreement can be changed	The Sides can change the costs related to the credit by written agreement signed by both parties; For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery)	Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledge	Paid by the Client directly to the Evaluator
Costs in the case of late payments Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
The repayment of the loan is free of charge in the secondary offices of the Creditor, as well as at the discretion of the Debtor through the representatives authorized to collect loan payments. The list of which and their fees are published on the website of the Creditor (www.microinvest.md/cum-achiti-creditul/). In case the Debtor use payment methods with fee, the Debtor cover all the costs of repayment of the loan and undertake to make the payments in such a way that the Creditor receives the agreed repayment amount and without any deductions by third parties processing the refund payment.
In accordance with and arising from the provisions of art. 15, para. 7), lit. a) from Law no. 202/2013, any payments related to the granted credit (commissions, taxes, penalties, late interest and any other type of payment), except interest, will be applied and collected within the limit of the ceiling of 0.04% of the total value of the credit per credit day multiplied by the number of days of actual use of the credit (hereinafter 'Ceiling'). Therefore, the Lender will be entitled to apply and collect the costs, excluding interest, exactly in the fixed or percentage amount established in the contract if the said ceiling allows, and if the ceiling is lower than the value of at least one cost, excluding interest, then the Lender will be entitled to reduce the fixed/percentage amount and apply and collect any of the applicable costs only within the limit of the ceiling value. When calculating the ceiling, the costs already applied and collected will be taken into account, with the exception of interest, which reduces its value. (Representative example: if the amount of the penalty is 20 MDL per day, and the ceiling value at that time is 16 MDL, then a maximum of 16 MDL will be collected).

4. Other important legal aspects
Right of withdrawal You have the right to withdraw from the credit agreement within a period of 14 calendar days	Yes
Early repayment You have the right to repay the credit early at any time in full or partially	Yes
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:	% from early repaid amount, if the period of time between the date of early repayment and convened maturity exceeds one year; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract. % from early repaid amount, if the period of time between the date of early repayment and convened maturity does not exceed one year.
Database usage The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by law or is contrary to objectives of public policy or public security The parties may agree on additional terms and conditions, which will be included in the credit agreement.	Yes
Right to a draft credit agreement You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor, at the time of the request, is unwilling to proceed to the conclusion of the credit agreement with you	Yes
The period of time during which the creditor is bound by the pre-contractual obligations	This offer is valid for 15 calendar days after it is issued.
In this regard, I subsequently declare that: I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses; the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement; I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor; I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement. the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation; I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate; I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality; I have no ambiguities or misunderstandings regarding the terms of the contract; the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out. The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity. (Signature)