Microinvest – 20 years with hardworking people!

What is the most reliable proof of a company’s success? We believe that loyal and satisfied customers. After 20 years, Microinvest can be proud of the result we have worked for all these years – more than 14 billion MDL invested in the development of the Moldovan economy and more than 180 000 clients who have achieved their goals together with us. People with ideas, with dreams, with hopes. Families who have fulfilled their most coveted wishes and entrepreneurs who have succeeded in developing their best business ideas.

On our day, we want to tell you once again about Microinvest’s evolution, culture and people through the eyes of our loyal customers, the ones who know us best. Learn the success stories of 3 entrepreneurs who grew their businesses with us. But also, what are the main qualities that make us special on the financial market in Moldova.

Microinvest supports hardworking people in their best development plans

Hardworking people are those who do their work sincerely and with dignity, to create value and achieve their most beautiful goals. They believe, they have dreams, they manage to overcome any challenge, having reliable partners by their side and support at the right time. Bakers, tailors, farmers, doctors, woodworkers, photographers, cooks, builders – all of them and many more are our clients, the people who have managed to grow and develop together with Microinvest.

“Microinvest believed in the idea of our business and helped us to grow quickly and steadily”

Young entrepreneur Valeria Bacos, a Microinvest client, was inspired after a visit to Europe by the varied assortment of dried fruit sold in shops there. This is how she got the idea to open her own business in Moldova, specialising in the marketing of high-quality nuts, seeds and dried fruit in a diverse assortment, rich in nutrients and vitamins.

“We are a young company, but we believe that we have already managed to stand out nicely in our market, both Retail and B2B with a wide assortment of over 29 positions of nuts, dried fruits and seeds. Our business was born from the idea of promoting the consumption of vitamins and nutrients from natural, tasty and healthy products, which we consume with pleasure and confidence primarily ourselves. Microinvest has been our partner from the beginning and has helped us at every stage of development. The expert and the whole team saw potential in us and helped us exactly when we needed it, for investments in merchandise, machinery, service car and other important elements for a business to run well. We are very grateful and we will definitely call on them for further investments. We wish them many more years of fruitful activity, satisfied customers and responsible investments”, Valeria Bacoș, entrepreneur, Microinvest client.

“In financing it’s important to have responsible partners on your side who believe in you and your business. That’s what our collaboration with Microinvest is all about.”

Another business that has benefited from Microinvest’s financial support is that of young entrepreneur Ion Anghel. He started from a small shop in the market, where he sold laminate flooring in a small assortment. Today, he collaborates with manufacturers from several countries in the world, such as Turkey, China, Poland and others, offering customers the most modern and qualitative laminate models for any type of room.

“It is possible to launch successful businesses in the Republic of Moldova as well, but it takes a lot of hard work, self-confidence in the idea you want to promote and of course responsible investment. We import and distribute laminate in different price categories, both wholesale and retail. We stand out first of all by our advantageous offers and the best price-quality ratio. That matters a lot, especially in these times when everyone needs support. I have been working with Microinvest since before I founded the business. I accessed a personal loan. Then when we launched and needed capital, we turned to them without hesitation. I confidently recommend them to everyone I know, especially entrepreneurs. Their support has been very important in the development of our business. They are a team of professionals, and it shows both in the responsible financial services they offer and their evolution all these years. They have grown nicely and every day they support other businesses to grow”, Ion Anghel, entrepreneur, Microinvest client

“It’s nice when the success of your business is the primary goal of your partners. We appreciate Microinvest for being open, operational and constructive”

After working for a long time in marketing, Eugen decided to start a business on his own in custom furniture production. In a relatively short period of time, together with responsible partners such as Microinvest, the young entrepreneur has managed to implement inspiring interior design ideas with customized and quality furniture and to gather a large number of loyal customers who confidently use the services of his company.

“Behind the Nomia custom-made furniture brand stands a small but professional team. At the moment there are 11 of us, including production, and we can provide up to 18 furniture projects of varying complexity per month, with spare capacity and workspace. We have looked in great detail at every stage of development, including investment. The first 3 years are crucial to get off to a successful start. I have been Microinvest clients for a year, previously I also turned to this company for consumer loans and had a nice collaboration. As an entrepreneur, I appreciate in working with Microinvest the efficiency and constructiveness. So far, we feel the positive effect from the collaboration with Microinvest and we will definitely call for other loans. It is easy and safe to collaborate with them, and that really matters”, Eugen Șveț, entrepreneur, Microinvest client.

We know that many opportunities and obstacles await us and our clients, but we are sure that we will overcome them together. Together, we have managed to develop a successful financial company, a business model through which we responsibly and confidently achieve the most wonderful results and a unique culture of Microinvest people, who can bring positive changes to the financial, economic and social market in Moldova, despite the challenges. Because identifying opportunities in every challenge is in our DNA and we will continue to support hardworking people for at least another 20 years.

Happy birthday, Microinvest! 20 years together with hardworking people.

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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)