Mikro Kapital now offers investments in business and agricultural loans from Romania

20.12.2019

mintosblog

Mikro Kapital, a part of a global holding company Mikro Kapital Group, has expanded its presence on Mintos by adding business and agricultural loans from Romania. Mikro Kapital now offers investment opportunities in 3 countries on Mintos. 

Mikro Kapital IFN SA Romania is mainly financing small and medium-sized companies, including agricultural businesses, and private individuals from Romania. Since its launch in 2016 Mikro Kapital Romania has issued more than 2 000 loans. 

Mikro Kapital Romania is the first microfinance organisation from Romania which has developed an online tool for their clients that allows them to track their active loans, rates, and schedules. The organisation has also applied for an EaSI Guarantee that will help to increase the future loan portfolio while avoiding risks.

Mikro Kapital Romania is a part of Mikro Kapital Group, a global holding company, uniting financial institutions in Italy, Switzerland, Luxemburg, Armenia, Russia, Belarus, Romania, Moldova, Tajikistan and other countries. The group was founded in 2008, and as of second quarter 2019, the Group had over € 500 million total assets under management.

Mikro Kapital Romania on Mintos

Mikro Kapital Romania offers its Romania-issued business and agricultural loans listed in € for investment on the marketplace. The loans range from € 420 to € 147 000 with an average maturity of 40 months. Investors can expect net annual returns of up to 10%.

All loans issued by Mikro Kapital Romania come with a buyback guarantee. This means, should a loan become delinquent for 60 days or more, the company will repurchase the loan. In addition, the loan originator will retain a stake of 10% in each loan, to keep its skin in the game.

On Mintos, Mikro Kapital Romania has a Mintos Rating of B+. This is primarily due to the solid financial performance of the company, the management’s track record, and stable portfolio quality metrics for an extended period of time. As of the end of October this year, the company had a net loan portfolio of € 17.5 million.

For a more in-depth explanation of the company’s financial performance, management structure, and operations in Romania, you can take a look at the company’s presentation here.

To obtain exposure to Mikro Kapital Romania loans, investors will be able to invest in loans issued by Mintos Finance to Mikro Kapital Romania, where repayments depend on the borrower’s payments. Each loan issued by Mintos Finance to Mikro Kapital Romania will be pegged to a respective loan issued by Mikro Kapital Romania to the final borrower.

Don’t miss out on this great opportunity to invest in Romania-issued business and agricultural loans from Mikro Kapital Romania. If you use Auto Invest, be sure to update your settings accordingly.