Financial group "Yes": customer reviews

Due to the fact that the domestic financial services market is developed at a sufficiently high level, today not only large banks but also private companies can be found in this sphere, which, in effect, carry out activities of the same nature - issuing loans and accepting deposits.

The object of today's article will be just such a private company, which is known as the financial group "Yes." Reviews about what activities it performs and what it represents are collected from specialized Internet resources, so they will also be added here. We will carry out an original analysis of the group's activities.

general information

At first glance, the financial group "Yes", whose comments we are interested in writing this article, is an ordinary microfinance organization. There are a lot of such now - they are engaged in issuing small loans and attracting private funds for a short time. Due to the fact that the amount of loans is relatively small and they are issued for a short period, the profit of the company should be sufficient to cover interest on deposits. The high demand for borrowed funds, the ease of issuing loans and the availability of private capital in aggregate should ensure the profitable activity of the group and its further growth. At least, this is stated on the website, which contains information about what is the financial group Da-Invest. There are also user reviews, but their "continuous positive nature" indicates rather what their employees wrote.

Terms of cooperation

Nothing outstanding group would be characterized, if not for the interest that it promised its depositors. So those who made the deposit, guaranteed 8-10 percent of the profit per month. In turn, loans were issued at a rate of 2% per day for a sum of 1,000 to 1.5 million rubles.

At first glance, it seems that the financial group "Yes" (the reviews confirm this) are really working on conditions that are advantageous for themselves. It turns out that loans should bring the company about 60% per month, whereas on deposits it would be necessary to pay up to 10% of monthly turnover. That is, "dry" mathematics shows that, in fact, the company will receive profit as 50% of all received funds, which is not so little.

Suspicions

But let's look at the situation from the point of view of reality. Let's say that it's not so difficult to attract people who want to make a profit of 10% a month. In fact, it is enough to pay interest only to the first wave of "cautious" investors, after which they will bring their friends and acquaintances who believe that the company pays and work with it is really beneficial. With this, problems should arise.

There is another side - it's loans, due to their financial group "Yes", customer feedback about which we will prepare later, will have to receive the necessary profit. Where to find so many people who will agree to take out loans at 2% monthly? What if 100 investors come to the group, which, for example, will bring a million rubles? Where, then, to find borrowers who agree to take this money on credit, and even for a long period, paying interest at the same time?

This is the inconsistency - in the market of loans from the company "Yes" is much more competitors than in the field of investment. Therefore, to ensure the payment of such high interest, they simply can not.

Reviews

In principle, the same is true of people's recommendations. The financial group "Yes", the reviews we were looking for to write this article, did not enjoy a fairly good reputation among investors because they understood the impossibility of implementing the idea as a whole. Even while the company was working, many investors expressed doubts that it will last long in the market.

Still there is a category of reviews left by those who have already lost their money in this company. Obviously, such users were outraged: they claimed that in the group they simply stopped making payments, and all communication with the "Yes" was cut off.

Result

As you can pay attention, information about the company was published in the past. This is done deliberately, because at the moment, LLC financial group "Yes", whose comments, as you understand, mostly negative, ceased its activities. Even the company's website has stopped working, and now it simply displays an error.

As evidenced by the information on the forums that appeared after the termination of the group's work, most likely "Yes" was a classic pyramid. The offer on credits here operated exclusively for "diverting eyes," while the main rate was made for depositary activities (fundraising). After the first months of the company's work, the first percent of profits for depositors went, the working capital of the financial group "Yes" (feedback from customers who made deposits, this confirm) significantly increased. Apparently, its organizers were waiting for it, so that in the future it would be just "chasm" and leave investors with nothing.