Phnom Penh: You always borrow money from friends or family to tide short-term immediate problems because it is small and no money but this time to borrow money, a new online can be set up so that you can borrow money immediately.
I see on Facebook to get a quick loan by phone to colleagues, they will contact us. I phoned later called money. This is the assertion of a 33-year-old man get a loan for the tide of mortgage service providers online at city Hall.
Because of the smaller loan from $ 30 to $ 100 staff worked in an organization, who requested anonymity understand that it is a shame. However, the brightness of his nickname.
Darkened, an employee with a monthly salary of about 350 dollars a month. Because of the increased spending has made rays can not afford the cost of the blackout that darkened said: 'I rotate the money has not been paid yet. We make no income other than salaries.
Service-called loans to borrow money before the payroll has been operating the company's Web site www.inteangroup.com InteanGroup The couple formed by Russians living in the country. Light borrowed from the 6 times.
Dzyatkovskiy Anton Intean Group CEO, said the new services such loans have started working since December 2015 to serve as marketing loans online connection between the lenders and you want to borrow (P2P).
He said: 'As financial officer career, and we thought that a service can be useful for people simple. We decided to create this site, similar to the US LendingClub www.zopa. Com English www.andvdolg.ru in Russia too.
Services online mortgage lenders quickly without requiring collateral or a guarantee compensation need some details such as the place to address salary family relations and the borrower must be 22 years old .
Anton said that P2P is a service in the country, he sees an opportunity to invest in marketing the service. He added: 'In the country, it's a new business. Cambodia is a small market, but we see a lot of good and loyal customers and we are proud that we have help our valuable customers.
Its mission focuses on short-term lending to middle-income salary from 200 to 300 dollars per month for use in case of emergency needs, such as attending school fees, medical expenses and so on. According to Anton.
He added that the maximum loan term is a period of 1 month from operating an average of between 44 borrowers dollars and repaid within 12 to 14 days before they pay.
Customers simply fill out name, phone number identification on www.inteangroup.com or go to the Facebook page named 'money payroll, right? and later, the agent will contact customers. Borrowers will receive the money within 30 minutes later through agents Mann and Smart Money.
Anton said the company is negotiating with Wing more to facilitate the transfer process too.
Currently employs 8 people working for this website. According to Anton website will also act as intermediaries between lenders and borrowers, as well as current investors 10 foreigners are using your website to offer. he said that any people that have the money and want investment through this website can work with.
He added that during his service in the past two months, there are 5 million people visit this borrowing, with 4 thousand or registered company to borrow credit decision 400 but only because the others do not have enough properties.
When asked about the risk of not pay back, he said: 'If the borrower $ 30 is not good sham or not pay us back for a little money. [Them] and a damaged reputation.
However, he said that to avoid this problem, register as a member of the Credit Bureau Cambodia (CBC) necessary because he would get enough information about the customer's credit history from CBC before deciding to borrow.
According www.inteangroup.com short-term loans online, the interest rate of 2 percent per day, which is equivalent to 732 percent per year which is higher than loans from other financial institutions.
Rays, said that due to the high interest loan usually within 2 to 5 days only. Radiant said: 'I know that borrow money from the company all day long. When I got my money from other sources to pay immediately.
Um Navuth, Professor of Economics at the University of PUC, said high interest rates is due to the limited risk for high-risk companies will not compensate the customer loans quickly and lending conditions are not similar to other institutions .
He said customers also face legal problems when he does not pay that would be a problem to social and economic. He added that the opening of a business should serve the interests of both parties and third parties which may be a social market and economy.
He said: 'I think I should not do this because you lend to borrowers also have also had problems. In economy mode, they do not want to have fooled such as interest or tie tune.
He added: 'In a free market regime they want to have a stable economy. You lend a safe and secure borrowers.
Although the website as a financial intermediary, has been operating for more than two months and has no license, Anton said that this type of operation is not the subject of the license request.
She glory as technical director of the National Bank of Cambodia, declined to comment specifically address the issue because she did not know exactly this type of loan.
She said: 'We did not know about this service, and we will investigate. We do not know the exact business model of this site, so I do not want to make any specific comments about it ' .
However, she said that under the regulations of the National Bank of Cambodia financial services intermediary must register or licensed by the National Bank of Cambodia. She also called on the public to be vigilant in dealing with institutional provisions and seek appropriate information will contact those institutions.
Last year, the National Bank of Cambodia and the Ministry of Economy and Finance issued a joint statement condemning the institution without license or other provisions that are not professional and financial services to exploit people who do not know.
Despite all this, the light: It's a good thing when we're at a blinking time is money tied hand them money so we can seize. Quick access it faster by just a few words, they will transfer us immediately.
Meas soksophea song collection 2014 | khmer new song | cambodia music
Meas soksophea song collection 2014 | khmer new song | cambodia music