“amiGO Carsharing offers access to comfortable transport and an eco-friendly future” – Stanislav Grișkin, entrepreneur, Microinvest client

Have you ever thought how convenient it is to be able to rent a car wherever you are in the city and at the same time be responsible for nature? The amiGO carsharing business model opens a new page in the niche of modern and ecological transport solutions in Moldova.

3 years ago, the entrepreneur Stanislav Grișkin brought the first carsharing service to our country, with the support of Microinvest, offering customers the opportunity to rent an eco-car at a good price, safe, comfortable and fast. In this interview, the entrepreneur told us about his first steps in entrepreneurship, how he managed to integrate the carsharing service with electric cars on the Moldovan market from scratch, but also what are the key aspects of managing a successful business oriented towards a ecological future for our country.

Carsharing – an innovative service on the Moldavan market. Where and how did the idea to bring this type of service to our country come from?

The idea to create a carsharing business came from personal experience. While traveling in several countries I used this service often and realized how convenient and useful it is. Today, people opt for services that offer them comfort and accessibility, and carsharing fits perfectly into this trend. It offers a quick and convenient solution to get around, even if you don’t have your own car, through the rational use of resources. Carsharing offers access to a high level of comfort, minimizing traffic jams and overconsumption. Precisely because of these qualities, we saw the potential of this service and decided to launch it in Moldova. We have been actively developing in this direction for over 4 years. This is not just a business – it is an effort to improve people’s everyday life by making it easier and more comfortable.

How exactly does a carsharing service work? What steps should a client take to use a car through this system?

Our carsharing service is organized for quick and convenient use. Customers first log in to our mobile app, passing the verification process. After verification and approval, which usually takes a few hours, customers get access to our car fleet. The necessary condition for customers is that they have at least two years of driving experience and are 21 years of age or older. We have a variety of rates, ranging from a minute to a day, and allow customers to rent a car for a maximum period of up to a month. The customer selects the right fare and car in the app and is ready to go. If necessary, the cars can be charged at any charging station for electric cars in the country, the basic rule is that at the end of the trip they have energy for at least 25 kilometers of travel. The whole process is geared towards maximizing comfort, saving time and money.

Why did you choose electric vehicles for your fleet? What factors influenced this decision?

The decision to use only electric vehicles in the amiGO carsharing fleet was dictated by personal experience and a vision for the future. Since 2018, I have been using an electric car and deeply appreciated all its advantages in daily use. At the stage of amiGO project development, I already clearly saw that the future lies in the development of both carsharing and electric cars. Electric cars are not just an ecological alternative, they are a symbol of innovation. By giving our customers the opportunity to experience this innovative and highly efficient form of transportation, we contribute to its popularity and, in turn, promote environmentally friendly transportation and environmental responsibility. Our goal is not only to provide comfortable transport, but also to contribute to a green future.

How did you find out about Microinvest and how can you describe the cooperation?

I found out about Microinvest while searching for reliable sources of financing to expand our fleet. After a number of negotiations with various companies, Microinvest stood out for its ability to make quick decisions and its ability to take certain risks. Thanks to Microinvest’s financing, we were able to purchase new vehicles, which significantly strengthened our business. The hallmark of working with Microinvest is their transparency and speed in processing applications, which allows us to effectively plan and expand our business. I was lucky to work with competent and attentive professionals, which made the whole process comfortable and productive.

What advice can you give to young entrepreneurs who want to start a business and succeed in their activities?

It is difficult to talk about a single success secret. Today the internet is full of advice from experienced and intelligent people. However, for me the key point has always been the same – to do what I really love. When you do something that inspires you and brings you pleasure, work ceases to be an obligation and becomes a pleasure. This is the philosophy I try to pass on to my children: to do what brings pleasure and joy to their eyes. Money, in this case, becomes secondary, it will come when you are ready for it. The main thing is the satisfaction that your daily activity gives you and the realization of your ideas.

*Microinvest is the only financial organization in Moldova that has the international GOLD certificate in the client protection category. It means a responsible and transparent lending process, fair financing and a constructive approach to any request.

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Client's Name
Client's Surname
Personal Identity Number
Currency
Term
Rate
Amount
Monthly payment
Amount to receive
Purpose
Comments

1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page

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)