Internship: wasted time or the beginning of a career? Find out the stories of four Microinvest employees

During their studies, for some students, the internship is a real challenge, and for others, it is the best start in their career. Interesting, but it is very important, and also quite difficult to choose a company that can offer everything that a young professional needs: experience, a dynamic vibe and a friendly team ready to support you at the beginning of your career.

At Microinvest, in addition to all this, you get another pleasant BONUS – the opportunity to get a job right during the internship. In precisely this way Grigore, Adriana, Catalina, and Veronica started their careers in our team. Today they are part of the Microinvest team, and they say that they made the best choice by coming to us.

Grigore, our colleague from IT, learned about Microinvest from Google.

When we have problems with laptops or other office devices, we call Grigore first. He joined our team during his internship, becoming an IT administrator. He was attracted by the fact that he can learn from colleagues with international experience while working in a Moldovan company.

“As a graduate of the Center of Excellence, I was looking for a company for internship. Microinvest was on top of Google search results. I filled out the form and soon had an interview — the first interview in my life. I was a little worried about how it would go, but everything was fine. Here I met my mentor Nika from Georgia, with a wealth of experience in everything related to IT, from whom I continue to learn now. I like the very friendly atmosphere at Microinvest, even for beginners. I’m one of the youngest employees but that didn’t stop me from quickly joining such a cool team.

Veronica has seen herself as a part of the Microinvest team since the Open Day event

Do you know what a credit analyst does? Veronica was very curious to find out about this during her first visit to Microinvest. Typically, an analyst position, especially in the area of credit risks, requires experience. At Microinvest, we demonstrated that talented young people can become analysts even as students. The same thing happened with Veronica. Today she works in the Credit Risk Department, combines her studies with her work, and simultaneously undergoes practical training.

“They say that nothing is accidental. As a third-year student of the Faculty of Finance and Banking, I took part in the Open Day event organized by Microinvest. It was a unique experience. I was able to talk openly with experts from different departments, learned how Microinvest differed from other companies, as well as how they managed to lead the market. Then everything was exactly as I had planned. I came for an interview and my background and eagerness to develop helped me get my first job offer. Thanks to a flexible schedule, I easily combine work with study and realize my wildest dreams.”

Adriana wanted to work at Microinvest since her first year in university. So said so done!

Adriana’s success story is different from the previous ones. She was in her final year when the pandemic began but nobody cancelled university internships. She had dreamed of being part of the Microinvest team since her first year, and in her third year she didn’t hesitate to send in her resume and was invited to intern despite the unstable situation surrounding the pandemic. To her great surprise and joy, on the second day of her internship, she received a job offer as a loan officer. And also, in Microinvest Adriana met her soulmate.

“Personally, the pandemic brought me pleasant and unexpected changes, I got my first job, became part of an amazing team that became my second family in two years. Here I can communicate openly on any topic with colleagues from different departments who work with passion and enthusiasm, from whom I am always learning new things and constantly developing. I advise all students to take their internships seriously and to have no doubt that working while studying is a valuable experience. For me, this decision was one of the best in recent times.”

Catalina returned to Moldova to work at Microinvest

We conclude with an equally motivating story about the success of Catalina, the retail credit counselor of the Chisinau-Botanica retail office, who daily offers the most favorable financial solutions to our clients. When she came for her internship, she didn’t think that in a short time she would become part of Moldova’s largest non-banking credit organization and discover a new, interesting job.

“For me, becoming part of the Microinvest team was not just a line in my list of accomplishments, but a new stage in my professional development. I did my internship here, and then, like many young people, I wanted to try my luck in another country and went to Romania. However, I soon decided to return to Moldova and my first important decision was to come to Microinvest. I integrated very quickly, and I was accepted from the first day as a valuable expert of the team. I feel the importance of the work I do at Microinvest, and I’m glad that every day I help people achieve their goals, at the right time.”

Grigore, Veronica, Adriana and Catalina are just some of the #MicroinvestTeam colleagues who started at Microinvest after or during their internship and took their first steps in their careers as students. If you are looking for an internship with a job opportunity, hurry up and send your resume to Microinvest. You’re guaranteed the perfect place where you can discover yourself, and be part of a young and experienced team, and build the career you’ve always dreamed of.

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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)