Finanțarea responsabilă - EventBank › resources › protected › ... · 2020-02-19 ·...
Transcript of Finanțarea responsabilă - EventBank › resources › protected › ... · 2020-02-19 ·...
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Chișinău, 11 februarie 2020
Finanțarea responsabilă - perspectiva finanțării participative -
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Studiu de caz: Fagura.com
Obiective 2019:
1. Testarea platformei IT 2. Validarea modelului de business
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Tracțiune 2019
Accounts created on Fagura
*Information available at February 10, 2020
January ‘19 March ‘19 June ‘19 November ‘19
0 778
3843
6631
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February ‘20
8203
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Tracțiune 2019
* Information available at February 10, 2020
1 702 Loans requests
177 10% Approval rate Approved loans
NPL 2.46% PAR>30 4.42%
Conturi de împrumutați din Moldova
3 373
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1511 cereri respinse. Principalele motive:
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Gestiunea riscurilor: supra-îndatorare
Exemplu: salariu de 20 mii lei Debt to income = max. 50% Credite noi, plata lunară max. 3 mii lei
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Decizia de finanțare <1 secundă
Demographic data
Validation: Yes/No
Most important:
Net income Credit History
Interest rate: 12.9% - 40%
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Premii în 2019
• Top 3 best fintech in Romania
• Brandul Anului, categoria FinTech, Vip Magazin
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Lecții învățate: E necesară reglementarea
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Lecții învățate: bonitatea împrumutaților
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Lecții învățate: Secondary market
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Lecții învățate: Diversificarea investițiilor
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Lecții învățate: Cerințe față de platforme
1. Experiență financiară 2. Cunoștințe profunde IT
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Ce așteptăm de la autorități?
• O deschidere mai mare din partea CNPF, BNM și MEI;
• O lege a crowdfundingului (donation, rewards, equity, lending);
• Proiect de lege pentru KYC, consimțământ și mecanism pentru utilizarea largă a semnăturii electronice.
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Planuri pentru 2020
• Program de refinanțare pentru reducerea supra-îndatorării;
• Program pilot pentru finanțarea startup-urilor și IMM-urilor; (mulțumim EFSE & ATIC)
• Pregătirea și extinderea în România.