“Lending opens doors to new opportunities and business development” – Aliona Tiskovskii, founder of Azalia flower store in Balti, Microinvest client.

Dreams become reality when you truly love your business and work hard. Alena Tiskcovskii, the founder of Azalia flower store, shared her story of success, which began 25 years ago. Her story is an inspiring example for those who are ready to succeed, persistently strive for their goals, and invest wisely in them.

Since childhood, Alena dreamed of having her own flower business. Starting from a modest flower stand, she eventually opened her own store in Balti, thus turning her dream into reality. In our interview, she spoke about the secrets of successful business, progress in this sector, emphasized the importance of family support, and highlighted the long-term cooperation with Microinvest, which was the key to the expansion of her business.

The flower business is a beautiful and risky activity at the same time. How did it all begin?

To be honest, the dream of owning a flower business has lived within me since my earliest years. My passion for everything beautiful and my desire to evoke emotions led me to the idea of opening my own flower store. I will tell you honestly, 25 years ago, it was challenging to start with selling flowers in stalls. As we grew and developed, we transitioned to a kiosk, and then, in 2011, my long-held dream of owning my own store, Azalia, finally came true. For many years now, we have been delighting customers in our store, continuing to be inspired and inspiring others with our love of flowers.

What countries do you bring flowers from for your store?

At Azalia, we take pride in our diverse selection of flowers: roses in various shades, stunning hydrangeas, an abundance of chrysanthemums, fragrant lilies, delicate matthiolas, elegant eustomas, spring tulips, and other beautiful plants. Many of these flowers, such as tulips, peonies, and other bulbous plants, are grown by us, a process that brings us great pleasure. While we do import numerous flowers from different countries, such as Holland, Ecuador, Colombia, we also actively collaborate with local producers. Flowers cultivated in Moldova are in no way inferior to those grown abroad, and we are proud to support local production, as we are an integral part of it.

How did your collaboration with Microinvest begin, and what are your impressions of it?

Throughout our eight years of fruitful collaboration, I can only express positive impressions. Over this time, our confidence in the company’s professionalism and reliability has continued to strengthen. Microinvest has always been responsive to our needs, offering qualified advice and unwavering support. It feels as though we’ve been evolving in tandem. With the financing we’ve received, we’ve significantly expanded our assortment, procured bulbs for flower cultivation, and brought numerous other projects to fruition. Essentially, lending has been a supportive tool that opens doors to new opportunities and growth. We’re grateful that Microinvest has consistently stood by us, and we look forward to continued fruitful cooperation.

Since developing a business in this field, many changes have certainly taken place. How much has this niche developed recently?

Indeed, the flower market has undergone significant changes. In the past, our assortment was quite limited, with only carnations and roses available. However, nowadays, the variety of exotic flowers available is simply astounding. Additionally, modern floral art enables us to create genuine masterpieces using just a few sprigs of different plants, allowing us to express feelings and evoke unique emotions through compositions.

How challenging is it to be a female entrepreneur in Moldova, and what secrets of running a business could you share?

You know, it may sound cliché, but the first and most crucial thing is to love what you do. Without genuine passion for your work, it’s challenging to overcome the inevitable obstacles that arise along the way. Additionally, you need to possess tremendous patience, continuously learn from your mistakes, engage in trial and error, and have the ability to spot opportunities where they may not seem apparent at first glance. Yes, running your own business involves numerous challenges, but it also offers incredible opportunities for growth and success. Family support also plays a vital and invaluable role in achieving success. Our business has long been a family affair, with my son and his wife actively contributing to its development, bringing fresh ideas and energy.

*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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1. Name and Contact Information of the Creditor
Creditor
Address
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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)