“The Induction program is first and foremost about EXPERIENCE, which some ask for, but we offer,” said Olesea Cobzari, Head of the HR Department, Microinvest

Surely everyone knows the rather absurd situation when employers are looking for young employees with years of experience under their belt. Young professionals often encounter it when applying for jobs, whether they have already graduated or are still studying and want to combine study and work. How would you react if you met an employer who would not ask you for experience but is ready to offer it through a program that perfectly combines practice and theoretical knowledge?

Olesea Cobzari, head of the HR department at Microinvest, says confidently that the Induction program for credit officers is first and foremost about the experience that every young professional seeks when making his or her first steps in a career. It is not an ordinary program with seminars, lecturers, textbooks, classes, and endless tests. It is an ideal environment for integration into the best team. Let’s find out about it in detail.

Olesea, how did the idea of the Induction program come about, and what does it mean for Microinvest?

The idea for the Induction program came about during major structural changes at Microinvest in 2015. We understood that to create a team of professionals, we had to invest in its training. But not in simple training, but a comprehensive program, with a dedicated mentor, a team ready to help with integration, and courses designed to teach from the ground up everything you need to be a credit officer. World practice shows that if you want to get a good professional, you have to train him/her and invest time and knowledge in him/her. Only after that, he/she will begin to show results, manifested in success and determination.

What does a young professional who decides to participate in the Induction program for credit officers get?

The perfect combination of practice and theory. After graduating from college or university, each of us felt uncertain about our knowledge and abilities. The Induction program helps to strengthen and develop them. The program participants study and communicate with people with extensive experience in lending. Without lecturers. Without classes. Without grades. Without textbooks. Only teamwork, presentations, meetings with real businessmen. 8 hours a day, 5 days a week learning from scratch all the secrets of the credit industry with a professional mentor with the support of leading professionals and executives.

Does education matter? Who can apply to participate in the Induction program from Microinvest?

Education matters, but it is not the main criterion. Our program was attended by graduates of law, chemistry, IT, and even literature faculties. Some of them realized they did not see their future in chosen college fields, others simply wanted to retrain, and still, others were lucky enough to combine other fields of study with economics and finance. Any young person who wants to master a new field or combine work with study can apply for participation in the Induction program. We are also open to students who are looking for a place for an internship. They can ride three horses at the same time: intern with us, take part in the Induction program and start working for a leading company.

The Induction program has already had seven graduating classes. Many of the graduates are now managers and team leaders at Microinvest. What other benefits await those who successfully complete the program?

Frankly speaking, the Induction program is like a permanent job with a salary and good working conditions, but at the same time, it allows you to learn new skills and apply them in practice, to gain experience from a team of professionals. It was with Induction that a considerable part of our Company’s managers and top specialists started their way. During the program and after it, young people have the opportunity to develop personally and professionally in a leading non-banking lending institution. Moreover, if during the program participants realize that the position of a credit officer is not suitable for them, we are ready to consider them for other positions in our Company, provided that they have the necessary skills. So, the participants do not lose anything at all but only win. First of all, they get valuable experience.

If you are also looking for a job that can inspire you or you feel that you want to change something in your life, then applying for participation in the Induction program from Microinvest is your chance. All you have to do is send your resume to cariera@microinvest.md and we will tell you about the next steps.

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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)