“Microinvest saved me at the last minute to finish the works and launch the business in the season” – Dicusar Mihail, Microinvest client

Who doesn’t want a holiday cottage close to the city, where you can take a break from the hustle and bustle and the urban heatwave and make the most of summer evenings and weekends? Entrepreneur Dicusar Mihail, Microinvest client, decided to turn this dream into a business idea, launching the “Bruce Home” – a guesthouse in Cojusna, just a few kilometres from Chisinau, with a swimming pool, accommodation and event rooms. The idea came spontaneously, after seeing an advert for the sale of land. He took his time with the launch, enjoying every stage of the design and construction. The whole family got involved in the business, and today they welcome visitors delighted with the new location at Cojusna.

In order to develop his business, Mihail turned to Microinvest for financial support and they are working together effectively to this day. How difficult it is to launch a tourism business in Moldova, what design trends he was inspired by, and what recreational areas can be found at “Bruce Home”, find out from the interview.

Why “Bruce Home”? Where did the business idea come from and how did you take your first steps in entrepreneurship?

Many people know me as Bruce Willis from Moldova. I’m not an actor, I work in the commercial field, but I have been involved in a number of films and commercials. Honestly, I’m proud to have similar features to the American star and I’ve always wanted to meet him. That’s where the name of the guesthouse came from – “Bruce Home”. The tourism business idea came when we had already started construction. Originally, I was planning to build a holiday home for the family, to have a place to stay outside the city. That one evening, walking around the yard, the thought came to me to turn this space into an entrepreneurial business. We built everything in stages, the pool, then the event rooms, the saunas, so we could be active all year round. And here we are this summer, we’ve officially opened the doors of our guesthouse.

What can we find in the guesthouse at Cojusna?

First of all, at “Bruce Home” we have a very spacious swimming pool, following a unique design in Moldova, in Egyptian style. After a holiday in Egypt, I was inspired by the grandeur of the pools there and tried to make a similar project in our country. At the pool we have a mini restaurant for guests. We haven’t managed to launch our own kitchen yet, but we are using catering services with very delicious dishes. We also have a couple of event rooms with various capacities. And of course, – the private area with accommodation and terraces. In winter, we plan to open the sauna and hammam. The hotel complex offers cottages for several families, with separate parking and rest area, where you can forget about the city crowds. The sunshine at Cojusna is our best friend, and the fresh air and green area gives added value to the location, where everyone will feel great.

How difficult is it to launch a tourism business in Moldova? How is “Bruce Home” different from other pool hostels in the country?

Of course, it’s not easy, but it’s not impossible. Our country has wonderful places with clean air and beautiful nature. At “Bruce Home” I wanted to bring a new concept of a guesthouse, in a picturesque place, not far from the city, using eco-friendly materials in construction and furnishing. Starting from the travertine paving, a natural stone that does not release harmful substances when interacting with the sun. We built the fence out of gabion with natural stone extracted from the mountains, and a portion of it is made of bamboo, an exotic and unusual design element. Even the mosaic of the pool is in a light shade, to create a pleasant atmosphere, so that clients can enjoy the sun and fresh air of Cojusna to the fullest.

What does an entrepreneur need to grow? Tell us about your collaboration with Microinvest?

First of all, an entrepreneur needs support and trust. Microinvest was the company that understood me and helped me when I needed it mostly, without asking for too much time and paperwork. I particularly appreciate their efficiency. And now I’m not just speaking on my own behalf, but also on behalf of other entrepreneurs. I have recommended Microinvest to many people and they are all satisfied. The loan approval time was very fast, giving me the time, I needed to fit in all the work, open the guesthouse on time and not miss the season. This timing was paramount for me and my business. Microinvest really came to my rescue when I was on my last legs, for that I am extremely grateful.

What else are you planning to launch at “Bruce Home”?

Plans for the next few years are to finish all the levels and strengthen the business. At the moment, in the private area a room with saunas, equipment, pool and everything needed for water sports is in the works. On the top level we want to open a spa area with terrace and jacuzzi systems and improve all the recreational areas on the territory. This guesthouse is a family business, in which I wanted to involve my children, so that they can help me and understand for themselves how a business works from the inside, and then continue and develop it and not go abroad. We have successfully opened, now we are going to move forward. For other investments I will definitely turn to Microinvest again, it’s easy and convenient to work with them. Besides, it is a leading company with professional and responsible people.

*Microinvest is the only non-bank credit institution in Moldova which adheres to international customer protection principles. They involve a responsible and transparent lending process, based on a fair, respectful and equitable approach to customer service.

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1. Name and Contact Information of the Creditor
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3. Costs of the credit
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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.
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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.
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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
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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).

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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.
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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)