Microinvest – 18 years with hardworking people

It is said that every age has its charm. For a young man of 18 years old it’s just the beginning. If we are talking about a company of that age, we can firmly say that it already has enough experience behind it to confidently follow its path to success. 18 years Microinvest has been with hardworking people, supporting successful businesses across the country, supporting families who want a better life and contributing daily to the achievement of the most coveted goals. What the company is based on, what kind of people work at Microinvest, and how they have developed over the years, you can find out from this anniversary article.

We believe in satisfied customers, our team, and beautiful results

Microinvest is primarily about people and dreams. The main mission of the company is to support entrepreneurs and individuals, who want to improve the quality of their life, by offering them responsible loans and personalized solutions. This makes us different from other organizations and ranks us 6th in the banking sector, with a portfolio of over MDL 2.4 billion.

We are confident that the age of a company should not be measured only in years, but also in beautiful results, satisfied employees and customers. At the age of 18, we consider ourselves eminent in all areas and strive for even more promising achievements. Here are some data that will help you understand more deeply what we do and how “generous” our portfolio is when we talk about successes:

More than 35,000 business goals have been achieved, 50% of which were from the Agro sector
More than 11,000 customers have improved their living conditions and realized their plans
Over 8,000 drivers have fulfilled their dream of driving their own car
230 specialists from various fields work to achieve a common goal
14 branches in 11 cities of the country are arranged according to the latest trends

Five curiosities about Microinvest

You know us as the number one option when you need financial support to achieve your goals. However, Microinvest is much more than just a responsible lending institution that comes to break stereotypes about bureaucracy in financing. To convince you, we invite you to discover TOP 5 interesting and curious facts about us:

Since the year 2021, we have a new slogan, which perfectly highlights the purpose and mission of our company: Credits for hardworking people.
We are the only lending institution in Moldova which have been rewarded with SMART, the quality certificate in the financial field, since 2015. For customers, this means a high degree of service, transparency, and fair collaboration, according to globally recognized best practices.
90% of the investments have been attracted from abroad, from development funds with foreign capital. So far, Microinvest has attracted over 150 million euros, money that has been used for local business development, including agriculture and economic development.
The best ideas come to life in a team of young people with attitude. At Microinvest we focus on creating a young team, dedicated and always ready for challenges. The average age of our employees is 25 years old; we are an open-minded team, open to integration and inclusion, and free communication at all levels.
And one more thing, we always try to stay authentic in all aspects, especially in marketing. That is why, in all our business promotions we use only pictures with our clients, we share their success stories and we are proud of every achievement.

“18 years of Microinvest means thousands of fulfilled goals and loyal customers, but also dedication from a perfect team. Today we can look proudly into the past and confidently into the future. Because this period, as in any person’s life, is like spring, we go through many important trials and lessons to realize in a moment that there are so many beautiful things waiting for us, that we must live beautifully. We are proud to be the promoters of responsible lending and help hardworking people achieve their goals by offering them not only financial support but also personalized solutions. Our success is actually the success of people who trust us. That’s why we strive for every day,” says Dumitru Svinarenco, Microinvest Executive Director.

Happy Birthday, Microinvest.

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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)