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

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

Today lending to the population with the help of microloans is a very profitable business. You can be convinced of this, at least by looking at the market in which activities related to microloans are carried out. There are dozens of different companies here that are doing well.

This could be due to several factors. Firstly, about the high demand for "quick" money, and secondly, that people are increasingly forced to borrow money (that they do not have enough of how much the salary gives), and thirdly, that companies that issue loans receive on this good profit.

In the context of this article, we will consider, firstly, the thesis that microcredit is another form of slavery or a really profitable financial instrument with which you can solve your problems; secondly, we will characterize one of the largest microloan companies called RosDengi. Feedback from the debtors of this institution, as well as information from open sources, will help us better understand this issue.

Microcredits. Example

We start, of course, with the general question of what microcredit is. Surely, many of us already understand how the so-called "quick loan" differs from a simple consumer loan. But we'd better give an example to 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 pay off gradually, giving away some part of our earnings, say, during the year. This is a classic consumer loan, which is usually issued for some significant, large expenses.

Another example looks like this: we spent our money, although there are still 5 days left before the salary. Money is needed to go to the store and buy food for the arrival of guests. Of course, there is nothing left but to apply for a small loan. With a paycheck in less than a week, we'll pay off that debt. This is how a microloan works, or, as it is commonly called, a quick loan.

Speed processing and low requirements

"Fast" it is called because of how simple the registration procedure precedes it. Instead of collecting various certificates from the place of work and indicating specific data about their property (as in the case of consumer property), in the case of microcredit, it is enough for the user to providethe passport. In some situations, only general information is required that you are working and thus have a regular source of income. Microloan organizations don't dig as deep as banks.

The reason for such "promiscuity" 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 percentage 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, he will be dragged through the courts and major financial losses. The conditions for granting microloans are such that the client will return many times more than he originally took. This is how such offices earn.

Financial instrument or slavery?

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

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

So when a company asks such a person to pay 10% more, it is already worsening his (already difficult) financial situation in order to get hisprofit. Understanding this, many clients are outraged by leaving negative comments about such offices.

Another question is the profitability of the company that organizes the issuance of microloans. Its profitability is to receive from each borrower the money that was provided to him at the beginning, increased by interest. And then, no one forces a person to apply for a loan on initially unfavorable conditions; and already signed the contract - if you please, pay! Therefore, if you look from a practical point of view, borrowers themselves are to blame for how they are treated (in case of non-payment) by companies like RosDengi. Reviews of debtors about her are sometimes also brightly negative, but "business is business" …

How to manage microcredit?

Depending on what to do with the borrowed money, they can make you both a slave and their master. If you regularly live on such loans, then most likely you simply do not know how to organize your expenses. On the other hand, applying for a microcredit only in special, emergency cases, you can save the situation. After that, of course, you need to pay off the debt as soon as possible so as not to incur even more problems.

Not everyone knows how to manage borrowed money. Reviews of debtors describing the RosDengi company confirm this. For example, there are negative comments from those who overdue the payment due to the weekend or simply forgot that the "day of reckoning" has come. Obviously, such borrowers themselvesguilty of their problems, and for them such a loan can really become slavery. The same cannot be said for more punctual and prudent clients who carefully follow the debt repayment schedule.

Therefore, as a small summary for the first part of our article, we can say that you are not afraid of debt slavery if you know how to properly monitor your money, manage it and dispose of it.

Company "RosDengi"

In the second part, I would like to introduce you to one of the largest organizations in the microcredit market, which is called "RosDengi". A loan here can be obtained by almost anyone who falls under the requirements specified on their website. It should be said that they are quite loyal (we will write more about this a little later).

Given the rich experience of this structure (it has been on the market since 2010), as well as an extensive network of offices (the company conducts its activities in more than a hundred cities across the country), it can be noted that the organization has developed its own approach to business and individual interaction with clients that the latter like. This can be judged at least by the fact that over the entire period of operation the company has accepted applications from more than a million Russians.

Mission & Values

However, we are not just talking about some commercial "assembly line" that gives loans to everyone. In fact, we have before us a company with its own values and mission, which is described in more detail on the official website of RosDengi (reviewsdebtors, of course, may not share these principles). Thus, the main task of the group is to provide customers with the opportunity to solve their financial problems as efficiently and quickly as possible, receiving a short-term loan from this structure. The motto of the company: "We are there if you need money." So far, as we can see, these words correspond to the real state of affairs in a company that is launching new offices and only expanding its market share.

Feedback

The main branch of the company is located in St. Petersburg: the group is managed there; applications with resumes of potential employees of the company are also sent there. However, as mentioned above, you can most likely find the group's office in your city. For more information on where to apply for cash, please call 8-800-200-50-51. This is a hotline serving the RosDengi company, calls to which are free. Please note that, in addition to the phone, the company's website also has an online contact form. So, each visitor can send a message to the company's consultant on a topic of interest to him and get an instant response.

A branch of the company "RosDengi. Moscow" operates in the capital. Addresses of representative offices must be found out separately (they are not on the site): three main branches at 14A Moskovskaya St., st. Kalinina, 2 and Vokzalnaya street, 18B. Opening hours - until 20:00, telephone numbers can be obtained from the hotline.

Information about how the group is represented in other cities can be found in thisthe same way. This is important, since RosDengi's offices are centers where loans are processed.

Conditions

According to the official website, getting a loan for your purposes is not difficult here. RosDengi (the microfinance company we characterize) offers loans ranging from 1,000 to 30,000 rubles to anyone over 18 and under 70 with a regular income. At the same time, the maximum receipt period is 17 days, the minimum is 7. The organization makes it possible to extend the payment period if the user cannot pay on time.

Reviews of debtors

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

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

Employee reviews

People who work here also massively leave comments about the RosDengi company. Of course, they did not open a loan here, but they also write both positive andnegative feedback. Someone is glad that he is given the opportunity to learn something new and earn more if he works harder. Others complain that the labor control system is too strict, 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. Some kind of whole picture cannot be added - the rating of the company on the site with reviews is about 3.5 points out of 5.

Conclusions

What can you say about RosDengi? The organization operates 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" operates, as we have already mentioned above. The fact that the company has been active since 2010 and has only grown over all this time is an indicator of the correct approach of its management. As for tough pen alties both in relation to borrowers and employees - of course, humanly such people can be understood and pitied, but both of them knew what they were doing.

Interacting with the company is quite convenient - this is evidence of a high level of service. There is high-quality support (we already specified the phone number served by RosDengi above - this is a round-the-clock call center where you can contact with any question). But to become a slave to your loan or use it as an effective tool to solve your problems is already a decision made by the borrower.