Ivan Botnar: “With Microinvest we managed to transfer more easily to ONLINE and remain optimistic even in the pandemic”

If a few years ago, Online marketing was a less known tool for small businesses in Moldova, the challenges of 2020 have clearly and bluntly demonstrated to us: the Internet is a vital platform to survive in the market, regardless of the field of activity, time or space. Ivan Botnar, one of our loyal customers, who participated in the Online Sales Promotion Techniques informative webinar organized by Microinvest, was convinced of that and won a SPECIAL BONUS –1 month of consulting in creating a Facebook Content Plan.

The Botnar family business, Vanar-Commerce SRL started in 2004, specializing in organizing training courses in various areas: PC usage, information technology, programming, design, accounting, 1C, taxation, and other business areas. His collaboration with Microinvest began in 2015 when he first applied for a loan and managed to radically change his mind about lending.

“I found out about Microinvest also on the Internet, and it seemed to me a reliable organization from the beginning. I say this because my family had an unpleasant experience with credit due to currency devaluation and misunderstanding with the bank it applied to. With Microinvest it’s a different story, based on responsiveness and understanding. After short 15 minutes discussion with the expert, we were able to find the best solution and a credit for my business. I also greatly appreciate the care and positive attitude towards customers. The August webinar was like a vector for businesses that just started promoting themselves online,” says Ivan Botnar.

“Before the webinar, I didn’t fully understand how to find customers on social media”.

The webinar was organized for business owners, who had business or agro credits at the Microinvest, and was aimed at training them in two relevant topics: “Techniques of sales promotion on Facebook and Instagram,” with Vadim Cusnir, and the “Ad placement on Google Ads and its analysis with Google Analytics,” with Ion Comendant as webinar facilitators. More than 60 entrepreneurs from Moldova working in various fields participated in that training which allowed them to gain practical knowledge on how to promote their businesses using digital promotion channels.

Ivan Botnar was one of the lucky participants who passed the quiz at the end of the webinar and won a bonus – one-month free consultancy with Vadim Cushnir, founder of the Social Media in Culise community. Due to the pandemic, the Vanar courses went entirely online and the search for customers on social networks was one of the main objectives that the Company set out to achieve. With Microinvest, this goal has become easier to achieve.

“I rarely meet companies that are willing to invest in customer relations, especially in these difficult times. Microinvest’s gesture is exemplary and long-term. It’s an investment in a lifestyle, in an ecosystem that unites customers in a community and keeps them together. Regarding the post-webinar collaboration with Ivan Botnar, I can firmly say that it was productive and engaging. We found many common points, gave him answers to all his questions, and a more explicit rendering of what works and what doesn’t on social media. Our consultancy is not over yet, we prefer to consume it gradually, as the Vanar team manages to implement all the details discussed, so that we can directly analyze the results”, says Vadim Cusnir.

“Customers need not only services but tools to achieve their goals”

Philip Kotler said that marketing is“the art of convincing customers.” Business owners will certainly agree, especially since they know better than anyone how important it is to address your customer in the most accessible way. Social Media and online advertising in general, allow us not only to address our audiences in person but also to identify them according to several criteria: interests, behavior, the social aspect. Now more than ever, entrepreneurs need to understand that the essence of a promotion strategy must be tailored specifically to these criteria. The pandemic is a context that has once again convinced us of this.

“Before the webinar, we had several attempts to make targeted ads on Facebook, but that did not always end successfully, because we did not understand how everything actually works. Some of the information we knew from our own work and the practical knowledge of the speakers was useful for a deeper understanding of how to interact with customers on Social Media, how to find them and how to address them to give them exactly what they need. Since August and so far we have already managed to implement directly in our promotion strategy some of the knowledge gained from the training and consultations with Vadim Cusnir. We understood how to make an effective advertisement on Facebook and how to target the right audience. To our delight, we already have results, small but promising. Our success is directly related to the success of our customers, and we want to offer them only the best”, says the owner of Vanar-Comert SRL, a Microinvest client.

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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)