“My mission is to make this world more beautiful and brighter” – Victoria Codreanu, woman entrepreneur, Microinvest client

Starting and developing your own business is always a challenge, especially when it comes to beauty business, where passion, dedication and innovation play an extremely important role. Victoria Codreanu, founder of “SHE” beauty salon, decided to take this challenge and turn her love for beauty and self-care into a successful business, getting financial support from Microinvest at the right moment.

Discover from this interview how the concept of the beauty business was born and what difficulties were encountered during its launch and development. What unique procedures and remarkable results “SHE” salon can offer its clients, as well as what role Microinvest has played in the realization of the most ambitious development plans.

How did you get the idea for a beauty salon and what inspired you?

My interest in the world of beauty began many years ago when I discovered for myself a variety of self-care secrets. For many years I watched the beauty industry develop and always dreamed of starting my own business. One day I decided to test out a new skin machine and the results were so impressive that it was a defining moment. I realized that I wanted to share this experience with others. Initially my plans were just to open a small salon, but the idea turned into something much bigger. Now it’s not just a small project, but a whole beauty salon where every client can find the right procedure for himself.

What makes your salon different from others? What unique services do you offer?

Our salon stands out thanks to the exclusive endosphere device, which was recognized as the best at the Dubai 2022 exhibition. This medical device is equipped with 55 spheres and after the first treatments it helps to relieve swelling, activate lymph flow, thanks to which clients start to lose weight. It is especially effective for those who have problems with varicose veins, as blood circulation is improved. As a result, the skin becomes firmer and smoother. Another plus for clients is that we provide four-handed manicure and pedicure services, laser depilation and others, all of which makes our service fast, comfortable and of high quality.

What methods do you use to keep up with the latest beauty trends?

In order to stay on trend in the beauty industry, I, together with my team, follow several approaches. The first and most important is constant training and development of professional skills. We regularly attend workshops, seminars and courses, which allows us not only to learn new techniques, but also to share experience with colleagues from different countries. We actively follow industry exhibitions and trade fairs that showcase the latest innovations in products and technologies. We also listen carefully to feedback from our customers. This allows us to adapt our service so that it meets not only current trends, but also the specific requests and needs of our customers.

How did you learn about Microinvest and what motivated you to start cooperation?

We found out about Microinvest on the recommendation of friends, and it immediately aroused confidence. The decision to cooperate came easily. The lack of bureaucracy and individual approach was really important for our business. In addition, the opportunity to work with a personalized loan expert was a nice addition for us, which significantly strengthened our trust. We also cooperate with Microinvest as a partner, we gave our clients the opportunity to pay for services on credit or installments. This was a significant step for the development of our business. The Microinvest team has been incredibly friendly and professional, always willing to help and repeat important information as many times as needed. Thanks to this approach, we not only achieved the desired results in our cooperation, but were genuinely satisfied with the process.

How do you see your salon developing in the coming years?

In our industry, keeping up-to-date with the equipment and treatments offered is key to success. To that end, I am considering introducing a new treatment machine that utilizes cutting edge technology and provides visible and long-lasting results. When I started my business, my mission was to make this world a more beautiful and vibrant place. With each new device, procedure, and personalized approach to clients, we come closer to fulfilling that mission. Importantly, we don’t just want to follow the trends, we want to be one step ahead by offering innovative and effective solutions for our clients’ beauty and health.

*Microinvest is the only financial organization in Moldova that has the 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
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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)