Eduard Bordeinîi: „Să fii pomicultor e o mândrie”

The Taul village in Donduseni district is known for the largest park in Southeastern Europe, the famous Pommer mansion, but also for the imposing number of farmers specialized in different agricultural fields. Love for nature and rich fruits has been cultivated for years in the Center of Excellence in Horticulture and Agricultural Technologies. Here, the best farmers from Moldova are trained. The processed fields around the village firmly demonstrate that the lands in Taul have an imposing value, and agriculture is the first and most important occupation.

Eduard Bordeinii is one of the young people passionate about everything that means agriculture, who chose to continue the occupation that he inherited from his parents and grandfathers – fruit growing. When we got to Taul, agricultural works were in full swing. Farmers picked the last apples of the season, ready for export. With the help of investments and Microinvest financial support, today the “Eduard Bordeinii” peasant household incorporates over 24 hectares of orchards, processed according to European standards, and the fruit grower does not intend to stop here, the future plans are just as great.

“People have always dealt with orchards in Taul. We have it in our blood.”

The history of their family business began 20 years ago when Eduard’s parents decided to unite the farmland allotments inherited from their parents and try their luck in fruit growing. Each year, they invested profit received from the sale of the fruits in other lands and trees. Thus, they began to expand, with small but confident steps. While being a child Eduard loved orchards and spend almost all of his childhood in the fields. After graduating from the Chisinau Agrarian University, without hesitation, he returned to Taul to continue what his parents had begun.

“Within 20 years, our orchard has grown from 1 hectare to 20 hectares of apples, 3 hectares of plums, and 1 hectare of cherries. We cultivate more than 8 varieties of apples, which begin bearing fruit from summer and until late autumn. Among the most popular varieties are Prima Ruj, Discovery, Gala, Pinova, Champion, Jonagold, Idared, and Simirenco. Plum and cherry orchards are younger and we’ll be able to take in the full harvest only in a few years. We have all the necessary specialists. We advise and support each other. We love what we do; orchards are our source of inspiration and income. That’s why we tend to expand them every year,” told us Eduard, as he introduced us to one of his orchards, where workers carefully picked red and mouthwatering apples.

“Fruit growing without investment is impossible. If you don’t give the tree what it needs, it doesn’t bear fruits.”

To care for the orchards according to European standards, Eduard turned to a youth project, with the help of which he was able to buy all the necessary equipment and technique. Eight years ago, he decided to start working with Microinvest as well and became one of the loyal customers of the Company. In the field of fruit growing, investments are mainly made for the acquisition of new lands, trees, chemicals, fertilizers and machinery. Eduard Bordeinii said that he chose Microinvest for the advantageous loan payment schedule and operational efficiency. In agriculture, these criteria are paramount.

“Initially, we took credits in a bank, after which we learned about Microinvest. Its expert paid us a visit, saw what we did and soon came up with a solution suitable for our needs. To say that we are satisfied is an understatement. At the first credit, we were worried, but now we think that if someone had advised us to take out a loan earlier, it would be better. If you’re not responsible, it’s risky. Sometimes nature is playing tricks. There were years when hail destroyed all the fruit. Then, we asked for refinancing and closed the previous credit, and repayment of the new one we divided over a longer period. If everything goes well, this year we hope to close the last credit. However, we plan to take other credits, for other purposes,” says Eduard confidently.

Plans for the future: a refrigerator, a high-performance dropper, and new varieties of stone fruits.

The main problem of Moldovan farmers is the production and export of fruit at an advantageous price, which would allow them to redeem their investments. The Bordeinii family sells their apples through intermediaries, in Russia and Romania, and the price is not always the most advantageous. More recently, they have also started selling apples to refrigerator owners, who can store them and put them on sale in the spring, when the price is several times higher. From here came the idea of building their own refrigerator, to keep the fruit for a longer period.

“We have big expansion plans. The first of them is to build an artesian well and a performance dropper. With each year, the weather is more unpredictable, dry summers. Don’t mess with nature. We do not want to take risks and be left without fruit. We also plan to build a refrigerator for storing summer apples. In August and September export to Russia does not go at all, and the varieties that bear fruit then go only for juice, if they are not stored in refrigerators. We plan to store plums and cherries also in the refrigerators. Of course, we want to explore new varieties of stone orchards, like apricots. For the realization of these plans, we shall also apply to Microinvest, they understand us best,” told us Eduard Bordeinii.

Finally, we asked Eduard the same common question, which we give to all our clients: “What is the secret that helps to turn credit into an advantage?” The answer was simple: work. “We are not afraid of work or risk. Nature loves dedicated and hardworking people. If you know how to invest with your head and do everything for good fruit, you will certainly be successful. You just need to find a partner, who will help you realize your plans with confidence, such as Microinvest,” says hopefully the fruit grower.

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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)