"RosDenghi": reviews of debtors. Microloans - financial assistance or slavery?

Today, lending to the population through micro loans is a very profitable business. You can verify this by looking at the market where the activities related to microloans are conducted. Here there are dozens of different companies that are doing well.

This may indicate several factors. First, the high demand for "fast" money, and secondly, that people are increasingly forced to borrow (that they lack what they give a salary), and thirdly, that companies that issue loans receive On this good profit.

In the context of this article, we will consider, first, the thesis that such microcredit is another form of slavery or a really profitable financial tool with which you can solve your problems; Secondly, we will characterize one of the largest companies that issue microloans, which is called "RosDenegi." Reviews of debtors of this institution, as well as information from open sources will help us better understand this issue.

Microcredits. Example

We will, of course, begin with a general question of what microcredit is. Surely, many of us already understand what the so-called "quick loan" differs from a simple consumer loan. But it is better to give an example that will illustrate this category.

So, suppose we take out a loan to buy a refrigerator. This is an amount equal to three of our salaries, which we repay gradually, giving away some of our earnings, say, within a year. This is a classic consumer loan, which, as a rule, is formalized for some significant, large expenses.

Another example is as follows: we spent our money, although there still remains 5 days to pay. Money is needed to go to the store and buy food for the arrival of guests. Of course, nothing remains, except how to apply for a small loan. Having received a salary in less than a week, we will repay this debt. This is how the micro loan works, or, as it is still called, a quick loan.

Speed of registration and low requirements

"Fast" is called because of how simple the procedure of registration precedes it. Instead of collecting various certificates from the workplace and specifying specific data about your property (as in the case of consumer goods), in the case of microcrediting, it is sufficient for the user to provide a passport. In some situations, only general information is required that you work and, thus, have a permanent source of income. As deep as banks, organizations that issue microloans do not dig.

The reason for such "illegibility" of companies is that it is profitable for them to give such loans. If the client returns the money on time, he is already overpaying a fairly high interest for using the funds (for example, 10% for 10 days is the normal rate). In another case, if the debtor does not return the money on time, it will be dragged by the courts and large financial losses. Terms of granting microloans are such that the client will return at times more than he took initially. On this and earn such offices.

A financial instrument or slavery?

Actually, in our article devoted to microloans, this question is asked about what can be considered the activity of offices, which initially set a very high percentage for their services.

On the one hand, one can understand debtors who are faced with the problem of money. People who take a quick loan, and without that, as a rule, do not have significant monetary opportunities. They are rather poor representatives of the people, usually living on the same salary (with rare exceptions). The very function of microloans is to help "hold out" until the next payment.

Therefore, when a company asks such a person to pay 10% more, it already worsens its (already difficult) financial position in order to get its profit. Realizing this, many customers are indignant, leaving negative comments about such offices.

Another issue is the profitability of the company that organizes the issuance of micro loans. Its profitability is to get from each borrower the money that was given to him at the beginning, increased at the expense of interest. And then, no one forces a person to make out a loan on initially unfavorable conditions; And already signed under the contract - if you please, pay! Therefore, if viewed from a practical point of view, borrowers themselves are to blame for how they are treated (in case of non-payment) by companies like the same "RosDengi". Reviews of debtors about it sometimes also have a clearly negative nature, but "business is business" ...

How to dispose of microcredit?

Depending on what to do with the money borrowed, they can make you both a slave and your master. If you regularly live on such loans, then, most likely, just do not know how to organize your expenses. On the other hand, when processing microcredit only in specific, emergency cases, you can save the situation. After that, of course, you need to repay the debt in the shortest time, so as not to incur even greater problems.

Managing the borrowed money can not all. Describing the company "RosDenghi" reviews debtors this is confirmed. For example, there are negative comments from those who have delayed payment because of the weekend or just forgot that the "day of reckoning" has come. Obviously, such borrowers are themselves guilty of their problems, and for them such a loan can really become a slavery. What can not be said about more punctual and prudent clients, who carefully follow the schedule of debt repayment.

Therefore, as a small summary for the first part of this article, you can say that debt slavery is not intolerable to you if you are able to properly monitor your money, manage and dispose of it.

Company "RosDenghi"

In the second part I would like to introduce you to one of the largest microcrediting organizations on the market, called "RosDenghi." A loan here can get almost everyone who falls under the requirements indicated on their website. It should be said that they are quite loyal (we will write more about this later).

Taking into account the rich experience of this structure (it has been represented on the market since 2010), as well as an extensive network of offices (the company conducts its business more than in hundreds of cities across the country), the organization has developed its own approach to business and individual interaction with customers , Which is liked by the latter. This can be judged at least by the fact that for the entire period of work the company has accepted applications from more than a million Russians.

Mission and values

However, we are now talking not just about some kind of commercial "conveyor", which gives loans to all comers. In fact, we have a company with its values and mission, which is described in more detail on the official website of "RosDenegy" (reviews of debtors, of course, these principles can not be divided). So, the main task of the group is to provide customers with the opportunity to solve their financial problems as efficiently and quickly as possible by getting a short-term loan from this structure. The motto of the company: "We are close, if you need money." So far, as we see, these words correspond to the real state of affairs in the company, which launches new offices and only expands its market share.

Feedback

The main branch of the company is in St. Petersburg: there the group is headed; Also applications for resumes of potential employees of the company are sent to the same place. However, as already reported above, you can find the office of the group, most likely, in your city. To find out more about where to apply for cash, you can call 8-800-200-50-51. This is a hot line for RosDengi, whose calls are free of charge. Please note that in addition to the phone, the company's website also has a form for online communication. So, each visitor can send a message to a company consultant on a subject of interest to him and receive an instant response.

In the capital operates a branch of the company "RosDenghi.Moscow." Addresses of representative offices need to be recognized separately (on the site there are none): three main offices on Moskovsky str., 14A, ul. Kalinin, 2 and Vokzalnaya Street, 18B. The working time is until 20:00, the phones can be found on the hotline.

Information on how the group is represented in other cities can be learned in the same way. This is important, since the company "RosDenghi" offices are the centers where the loan is processed.

Conditions

If you believe the official website, to get a loan for their own purposes is not difficult. "RosDengi" (a microfinance company that we characterize) offers loans in the amount of from thousands to 30 thousand rubles to all those who are 18 years old and who are not older than 70 and have a constant income. At the same time, the maximum period of receipt is 17 days, the minimum - 7. The organization makes it possible to extend the period of payment in the event that the user can not pay off on time.

Reviews of debtors

As we have already noted, most of the negative comments about the service are made by those who once took a loan here and could not return it on time. People write that the company "RosDengi" requires the impossible: it raises interest, makes you pay off on new debts, constantly increases the obligations of the debtor. On the other hand, this procedure is natural, because the loan was issued, and the person knew what he was on.

As for the quality of service in general - no complaints were found. The fact that the company requires payment of debts is also clear, because it is a matter of their activity and ability to work in the market in the future.

Employee feedback

People who work here also massively leave comments about the company "RosDenghi." They did not open the loan here, of course, but they also write both positive and negative feedback. Someone is glad that they give him the opportunity to learn something new and earn more if he is working harder. Others complain that there is too rigid a system of labor control, that the authorities do not give the opportunity to develop and so on. There are a lot of comments, but they all relate to individual cases. You can not put down a whole picture - the company's rating on the site with reviews is about 3.5 points out of 5.

conclusions

What about RosDenghi? The organization conducts its activities in a rather tough, competitive and complex (from the point of view of psychology) sphere. This is a financial environment where the principle "business is business", as we have already mentioned above, operates. The fact that the company is active since 2010 and has only grown over the whole time is an indicator of the correct approach of its management. As for the severe penalties for both borrowers and employees, it is certainly humanly to understand and regret such people, but both of them knew what was going on.

Interact with the company quite conveniently - this is evidence of a high level of service. There is high-quality support (we have already specified the phone number serviced by "RosDengi", we already specified it above. This is a round-the-clock call center where you can contact any question). But to become a slave of your credit or use it as an effective tool for solving your problems is already a decision made by the borrower.