Financial group "Yes": customer reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The subject of today's article will be just such a private company, which is known as the financial group "Yes". Reviews about what activities it carries out and what it is were collected from specialized Internet resources, so they will also be added here. Let's conduct a kind of analysis of the group's activities.

General information

At first glance, the financial group “Yes”, reviews of which we are interested in writing this article, is an ordinary microfinance organization. There are quite a lot of them now - they are engaged in issuing small loans and attracting private funds for a short period. Due to the fact that the amounts of loans are relatively small and they are issued for a short period, the company's profit should be sufficient to cover the interest on deposits. High demand for borrowed funds, ease of obtaining a loan and the availability of a privatecapital in the aggregate should ensure the profitable operation of the group and its further growth. At least, this is stated on the website, which contains information about what the Da-Invest financial group is. There are also user reviews here, but their “solid positive nature” indicates more likely that their employees of the company wrote.

Terms of cooperation

The group would not have been anything outstanding if it weren't for the interest it promised to its contributors. So those who made a deposit were guaranteed 8-10 percent profit per month. In turn, loans here were issued at a rate of 2% per day in the amount of 1,000 to 1.5 million rubles.

At first glance, it seems that the financial group “Yes” (reviews confirm this) really works on quite favorable terms for itself. It turns out that loans should bring the company about 60% per month, while on deposits it would be necessary to pay up to 10% of the monthly turnover. That is, “dry” mathematics shows that in fact the company will receive a profit in the form of 50% of all funds received, which is not so little.

Suspicions

But let's look at the situation in terms of reality. Let's say attracting people who want to make a profit of 10% per month is not so difficult. 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 will believe that the company is paying, and it is really profitable to work with it. With this problemshould not occur.

There is another side - these are loans, due to their financial group “Yes”, about which we will prepare customer reviews later, will have to receive the necessary profit. Where to find so many people who will agree to take loans at 2% per month? What if 100 investors come to the group and bring, for example, a million rubles? Where, in this case, to find borrowers who will agree to take this money on credit, and even for a long time, while paying interest?

This is the discrepancy - in the credit market, the company "Yes" has much more competitors than in the field of investments. Therefore, they simply cannot ensure the payment of such high interest rates.

Reviews

In principle, the recommendations of people say the same. The “Yes” financial group, the reviews of which we were looking for to write this article, did not enjoy a fairly good reputation among investors for the reason that they understood the impossibility of implementing the idea as a whole. Even while the company was operating, many investors expressed doubts that it would last long on the market.

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

Result

As you can see, the company information has been published in the past tense. itdone intentionally, because at the moment the financial group “Yes”, the reviews of which, as you understand, are mostly negative, has ceased its activities. Even the company website stopped working and now it just displays an error.

According to the information on the forums, which appeared after the termination of the group, most likely “Yes” was a classic pyramid scheme. The loan offer here acted solely as a distraction, while the main stake was placed on depositary activities (raising funds). After the first percentage of profit for depositors went in the first months of the company's operation, the working capital of the financial group “Yes” (reviews of clients who made deposits confirm this) significantly increased. Apparently, its organizers were waiting for this, so that in the future they would simply “disappear” and leave investors with nothing.