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miwi13
Anmeldedatum: 23.06.2018
Beiträge: 323
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 Verfasst am: 23.11.2019, 11:26 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| TimMei90 hat Folgendes geschrieben: |
Which platforms are offering line of credit loans at the moment? |
Viainvest has credit lines for Latvian and Swedish borrowers.
_________________
Investiert: Bondora*, Esketit*, Iuvo*, Loanch, Stikcredit, Swaper
Auslaufend: Mintos*, Peerberry*, Twino
Abgeschrieben / IRR: Bondster* 2,8 %, Lenndy* -30,2 %
Beendet / IRR: Lendermarket* 23,3 %, Nexo 7,3 %, Robocash* 11,8 %, Viainvest* 11,6 %, Zlty Melon* 6,6 % |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 23.11.2019, 20:15 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| TimMei90 hat Folgendes geschrieben: | | Zitat: | I wouldn't be surprised, if Mintos* start selling Line of Credit loans (like in other P2P platforms) in future.
Mintos is applying to have an e-Money license and to have a payment card. The more probable evolution will be to provide credit to the Mintos* customers by a credit card, they have a lot of credit knowledge in the LO present in the 4 fathers group. |
Which platforms are offering line of credit loans at the moment? |
- Viventor
- Viainvest
- Bondster
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Asset Allocation - https://financialawarenessforall.wordpress.com/ |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 23.11.2019, 20:29 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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No. The Mintos' Schedule Extension Feature, is an extension to the loan, a way to protect the LO from the constant rebuy, just because the borrower had made a loan extension with LO. Even with the extensions of 31 days, they can't be more than 3 extensions. And late loans can’t be extended.
Line of Credit are loans given usually through credit cards to people. These loans are open-ended loans, meaning no closing date to pay the loan amount. (The "normal" loans are closed-ended loans, they have a closing date.)
There are also Line of Credit given to companies. But still not in P2P universe.
_________________
Asset Allocation - https://financialawarenessforall.wordpress.com/ |
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Werbeunterbrechung / Werbung
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| Verfasst am: 23.11.2019, 20:29 Titel: |
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carnold
Anmeldedatum: 20.05.2018
Beiträge: 998
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| Verfasst am: 28.11.2019, 01:42 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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Rick, I also found the connection of the Latvian SIA ExpressCredit brands Banknote and Vizia with Varks as you did (via the one board member), but why you assume that the Latvian ExpressCredit has anything to do with the African one that happens to have the same name? What is the source here?
The only hint I find is this: "The company is a subsidiary of a private holding company domiciled in Europe" , found here:
https://www.linkedin.com/mwlite/company/expresscredit-co-zm
Could this be the connection to Orange Sky Finance Group? But which proof is there? |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 02.12.2019, 02:15 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| carnold hat Folgendes geschrieben: | Rick, I also found the connection of the Latvian SIA ExpressCredit brands Banknote and Vizia with Varks as you did (via the one board member), but why you assume that the Latvian ExpressCredit has anything to do with the African one that happens to have the same name? What is the source here?
The only hint I find is this: "The company is a subsidiary of a private holding company domiciled in Europe" , found here:
https://www.linkedin.com/mwlite/company/expresscredit-co-zm
Could this be the connection to Orange Sky Finance Group? But which proof is there? |
In the page 3 of this thread; I mention the connections between ExpressCredit (Africa) and ExpressCredit (Europe) in 2 posts:
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036,start,30.html
But you could go further and help researching the missing links. 
The holding structures are dynamic, they change with time. Apparently, some reorganization is being done in some LO/Groups/Holding companies.
_________________
Asset Allocation - https://financialawarenessforall.wordpress.com/ |
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Pyro439
Anmeldedatum: 08.03.2019
Beiträge: 227
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j789
Anmeldedatum: 09.01.2019
Beiträge: 1373
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carnold
Anmeldedatum: 20.05.2018
Beiträge: 998
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| Verfasst am: 10.12.2019, 01:36 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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https://178.16.28.157/hub/2/2/ suggests that Finitera consists of two more companies not on Mintos*, namely Moneda.ba and mindi.ro.
Further, Finko lists the following companies: https://178.16.28.157/hub/1/: Varks, sebo, Dinero and Metrokredit.
In Hubs, there is also Orange Sky Finance, but it lists only the African ExpressCredit entities.
Not sure what this site is, any thoughts? I find the additional Finitera companies interesting as well as the Finko list... |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 13.12.2019, 00:31 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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Thanks. I had focused for now in the most probable companies related to Mintos. Only after I finish that research, I will research the other LO.
_________________
Asset Allocation - https://financialawarenessforall.wordpress.com/ |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 13.12.2019, 01:25 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| carnold hat Folgendes geschrieben: | https://178.16.28.157/hub/2/2/ suggests that Finitera consists of two more companies not on Mintos*, namely Moneda.ba and mindi.ro.
Further, Finko lists the following companies: https://178.16.28.157/hub/1/: Varks, sebo, Dinero and Metrokredit.
In Hubs, there is also Orange Sky Finance, but it lists only the African ExpressCredit entities.
Not sure what this site is, any thoughts? I find the additional Finitera companies interesting as well as the Finko list... |
@Pyro439, thanks. With your suggestion, I found more information about EC and other groups and LO.
@carnold, thanks. You just helped me confirm some of my suspicious thoughts, I had some fragmented information and cross connections between the LO and Groups, and you helped connect the some pieces together. There are other puzzle pieces besides that information.
Moneda from Bosnia, I already revealed several weeks ago, the romanian LO, I didn't know.
That site seems that it's showing the domains and to what hubs they belong. Seems like an IT thing (sorry I'm not IT person).
@Pyro439 & @carnold, I will update here with more information next week.
Today Mintos* finally recognized the Finitera Group and Monego.
It says that Finitera is in 4 markets, but still fails to recognize the other 3 LO, Kredo, Tigo and Moneda, (Moneda from Bosnia is not present in Mintos).
Mintos also confirms the reorganization of the owners structure of the LO (only changes the Holding companies, the rest stays the same), but it don't say, that the final beneficiaries/owners are still the same, the four founding fathers.
| Mintos hat Folgendes geschrieben: | | Finitera, an international fintech group operating in four markets with 122 branches employing 718 employees and with a share capital of 8 million EUR, was in the final stage of changing Monego shareholding structure and adding it under Finitera direct ownership. Although the work on reorganization was not finalized and as such Monego is not part of Finitera, Finitera has decided to grant a guarantee for certain obligations that Monego holds towards investors on Mintos. |
https://blog.mintos.com/monego-no-longer-issues-new-loans-finitera-group-to-cover-investors-repayments/
Curious the Mintos* communication:
- Monego don't belongs to the group, but Finitera will give a group guarantee, but to "certain obligations that Monego holds towards investors on Mintos"!!!? => @carnold just confirmed that Monego domain belongs to Finitera Hub.
- According to Mintos*, did you see that Finitera has a share capital of 8 million EUR, but Monego has 11.5 million EUR in loans at Mintos?
- Now the Group will pay some "obligations" of Monego, how? With the money of the Group and the other 3 unknown LO to Mintos* (but known by us )? Will Kredo or Tigo or Moneda or all, lend money to the Holding company, Finitera, or even other LO from other Groups (like @Pyro439 discovered in ExpressCredit Africa)?
- Or Monego will be brought by other LO from the same Holding Group, like Varks saved Lendo, by buying it?
Mintos don't officially recognize as sisters LO to Monego and from the same group, Kredo and Tigo. But by now, I suspect that Mintos* saw that we already know.
If we don't know the connections of that LO, we still have them in our portfolios. Because some of us know that connections, some investors put numerous loans from that LO for sale. Perhaps pressuring AK and 3 musketeers to save Monego, to try to restore the trust in the Group and to continue selling us the other LO. The opacity and the shareholders anonymity will continue in Mintos*, so the lack of trust from the investors don't spread to the other supposedly independent LO and Groups?
As we see today, Mintos* indirectly confirmed the occult connections between the apparently independent LO. And the systemic risk behind this opacity.
The "independent" LO and "independent" Groups will help each other. Spreading the risk, and the diversification in Mintos* is just an illusion.
For example, some LO or Groups lending money to the Finitera and indirectly to Monego or directly to Monego.
_________________
Asset Allocation - https://financialawarenessforall.wordpress.com/ |
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carnold
Anmeldedatum: 20.05.2018
Beiträge: 998
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| Verfasst am: 14.12.2019, 20:59 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| FYI: Mindi.ro, the Romanian LO that may belong to Finitera, was actually shutdown last year due to increased regulatory controls. |
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carnold
Anmeldedatum: 20.05.2018
Beiträge: 998
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| Verfasst am: 17.12.2019, 15:10 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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Just as outlined in one of my last posts, here we go :
| Zitat: | | Starting from November, Varks, Sebo, Dinero, Metrokredit, and Lendo are merged into the Finko group brand |
The DNS server predicted this correctly it seems!
@Rick: You can add Finko to the list and remove "Group 1"  . So it seems clear that Orange Sky Finance consists of the various African ExpressCredit companies (interestingly, 5 countries, only 3 of which are on Mintos* as of now)), and Rick found a link via Dindin holdings that connects Metrokredit to Orange Sky Finance, thereby potentially forming a supergroup consisting of Orange Sky Finance + Finko. I still dont see how Banknote/Vizia are conencted to this. Thoughts? This is somewhat exciting to figure this out, like a P2P puzzle |
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 17.12.2019, 18:57 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| carnold hat Folgendes geschrieben: | Just as outlined in one of my last posts, here we go :
| Zitat: | | Starting from November, Varks, Sebo, Dinero, Metrokredit, and Lendo are merged into the Finko group brand |
The DNS server predicted this correctly it seems!
@Rick: You can add Finko to the list and remove "Group 1" . So it seems clear that Orange Sky Finance consists of the various African ExpressCredit companies (interestingly, 5 countries, only 3 of which are on Mintos* as of now)), and Rick found a link via Dindin holdings that connects Metrokredit to Orange Sky Finance, thereby potentially forming a supergroup consisting of Orange Sky Finance + Finko. I still dont see how Banknote/Vizia are conencted to this. Thoughts? This is somewhat exciting to figure this out, like a P2P puzzle |
Carnold, Mintos* just confirmed your discover from the last week.
And Mintos* just save me some work posting here some information with the "news" given today:
https://blog.mintos.com/finko-unifies-its-loan-originators-into-one-group/
We already know that Varks and Lendo belonged to the Finko Group, and that Varks had bought Lendo (perhaps to save Lendo). And Mintos* reconized that Dinero, Metrokredit and Sebo belonged to the same group, an unknown group that Mintos* didn't revealed before. Sebo was a former Dindin Holdings ltd subsidiary, the same Holding company that owned Lendo before Varks bought Lendo, meaning a previous connection between Lendo and Sebo:
| Rick Lusitano hat Folgendes geschrieben: | | carnold hat Folgendes geschrieben: | | Check the Lendo 2018 report, it is clearly stated that Varks and Lendo belong now have tight links, Varks bought them this year a couple of months ago. Just search the PDF for Varks or see the Lendo thread. What does this mean for the group Lendo used to belong in, still active? Getting nested! |
Thanks. I searched in the the 2018 Lendo's Consolidated Financial Statements (page 35):
| Zitat: | | According to agreement terms signed 3 May 2019 Dindin Holdings ltd, sole shareholder of the Parent, sold 100% of the equity interest to Varks Auxmoney* Universal Credit Organization CJSC |
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/076F1184-1FB8-A22F-7638-B6E0A9BC1645.pdf
Apparently the Dindin Holdings ltd, the same group that owned Lendo, also was the parent of Dindin (already out of Mintos) and Sebo.
Sebo went to the same group with Metrokredit and Dinero, unknown group so far.
Lendo was sold to Varks. Varks have a participation from ExpressCredit. Expresscredit was also the owner of Lendo indirectly by the SIA EC Investments (later renamed to SIA Finko Invest).
This same Finko Invest is the owner of Varks (Varks Financial Statements, page 9):
| Zitat: | | The Organization is wholly-owned by Finco Invest SIA. |
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/B59FF51F-F634-1ACD-3B9A-5CCBD2646ED8.pdf
It seems a reorganization of the structures. Lendo and Varks were controlled by SIA Finko Invest (a ExpressCredit company), and now Lendo went from the Finko Invest to Varks. ExpressCredit continue to control this way Varks and Lendo. Probably the Dindin Holdings was also controlled by ExpressCredit, and now Dindin Holdings breaks apart.
About Sebo, it was owned by the Dindin Holdings ltd, (Maltese group) at least until 31.12.2017, at 31.12.2018, Sebo was 97% owned by SIA Tig Invest (see page 30), a company with links to ExpressCredit Group:
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/A5F3D64C-425A-8CCD-220E-C9EFA612FF49.pdf |
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036.html
Also in my previous post, I revealed that Metrokredit had Dindin Holdings ltd as a controlling Holding company, one of several in the shareholders structure:
| Rick Lusitano hat Folgendes geschrieben: | As I was accused of seeing conspiracies everywhere in the Metrokredit thread, I bring some evidences and spoil part of the storytelling I was to do.
It's the structure of Metrokredit, in the last page of this report from Metrokredit website. It's in Russian language, but everyone can see the names of the shareholders and the Maltese and Latvian holding companies used to hide the true shareholders/Beneficiary owners.
You can compare some names, holding companies, the way the LO are hidden, in some posts I already made here.
https://tinyurl.com/tg4lbcp |
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036,start,45.html
By now, 3 LO with a past Dindin Holdings ltd connection as subsidiaries, Sebo, Lendo and Metrokredit. (Also the Spainish LO Dindin were included, Dindin is out of Mintos* nowadays).
So the Varks-Lendo connection via Finko Group and Lendo-Sebo-Metrokredit via Dindin Holdings (and the Mintos* previous information that Dinero, Metrokredit and Sebo belonged to the same group), contributed to a great probability of being in the same "family". The website that @carnold revealed last week was the final confirmation to put all 5 LO in the same group, the Finko Group.
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Rick Lusitano
Anmeldedatum: 19.03.2019
Beiträge: 85
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| Verfasst am: 17.12.2019, 19:21 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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| carnold hat Folgendes geschrieben: | | I still dont see how Banknote/Vizia are conencted to this. Thoughts? This is somewhat exciting to figure this out, like a P2P puzzle |
In a post in the page 1 of this thread:
| Rick Lusitano hat Folgendes geschrieben: | It seems that Varks belongs to ExpressCredit Group (at least some %), also the owner of Lendo and other LO.
From the website of Varks:
| Zitat: | Board member
Agris Evertovskis
Agris Jintz Evertowski (born 08․10.1984) has held the position of Board Member of "VARCS AM" CJSC since 2016. Since 2009 up to present he is a Founder and Board Member of Express Credit CIA Company (Latvia, Riga). |
https://www.varks.am/ejer/kazmakerputyan-masin |
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036.html
Evidence 1:
So we see that a Varks Board Director is a Founder and Board Member of Express Credit (Latvia). So a connection between the ExpressCredit and Finko Group. (And Lendo, a LO that belongs to Varks/Finko Group, but was previous owned by SIA EC Investments.)
Evidence 2:
The Finko Group legal name is SIA Finko Invest, but it's previous name was SIA EC Investments.
SIA EC Investments, was a subsidiary company of ExpressCredit, 100% controlled by ExpressCredit (Latvia) till 01.02.2016 (Source: ExpressCredit Financial Statements 2017 Q3).
The EC Investments shared the same address of ExpressCredit (Latvia).
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036.html
| Rick Lusitano hat Folgendes geschrieben: | Lendo was sold to Varks. Varks have a participation from ExpressCredit. Expresscredit was also the owner of Lendo indirectly by the SIA EC Investments (later renamed to SIA Finko Invest).
This same Finko Invest is the owner of Varks (Varks Financial Statements, page 9):
| Zitat: | | The Organization is wholly-owned by Finco Invest SIA. |
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/B59FF51F-F634-1ACD-3B9A-5CCBD2646ED8.pdf
It seems a reorganization of the structures. Lendo and Varks were controlled by SIA Finko Invest (a ExpressCredit company), and now Lendo went from the Finko Invest to Varks. ExpressCredit continue to control this way Varks and Lendo. Probably the Dindin Holdings was also controlled by ExpressCredit, and now Dindin Holdings breaks apart.
About Sebo, it was owned by the Dindin Holdings ltd, (Maltese group) at least until 31.12.2017, at 31.12.2018, Sebo was 97% owned by SIA Tig Invest (see page 30), a company with links to ExpressCredit Group:
https://s3.eu-central-1.amazonaws.com/mintos-prod-public-files/A5F3D64C-425A-8CCD-220E-C9EFA612FF49.pdf |
https://www.p2p-kredite.com/diskussion/mintos-related-loan-originatorsverbind-zwischen-anbahnern-t7036.html
So it's an another connection.
Evidence 3:
The third connection, Aigars Kesenfelds is a shareholder and founder of both LO in the Finko Group and in LO of ExpressCredit (Latvia). And also there are other common shareholders:
http://mintos-independent-review.blogspot.com/2016/10/peer-to-peer-lending-platform-mintos.html
_________________
Asset Allocation - https://financialawarenessforall.wordpress.com/
Zuletzt bearbeitet von Rick Lusitano am 17.12.2019, 19:36, insgesamt einmal bearbeitet |
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j789
Anmeldedatum: 09.01.2019
Beiträge: 1373
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| Verfasst am: 17.12.2019, 19:26 Titel: Re: Mintos related Loan Originators(Verbind. zwischen Anbahn |
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Da kann einem ja Angst und Bange werden wenn man das liest...
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Investiert in: Mintos* und Iuvo
auslaufend: Bondora*, Bondster*, Reinvest24* und Linked Finance |
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