MyC4.com präsentiert sich heute in einem neuen, aufgeräumteren Design. MyC4.com ist eine Plattform auf der Anleger Mikrokredite an Kleinunternehmer in Afrika vergeben. Anders als bei Kiva* sind diese jedoch für den Anleger nicht zinslos; im Schnitt verdienten Anleger zuletzt 11,8% Zinsen auf ihren Invest. Bisher wurden Kredite im Volumen von 1,8 Millionen Euro finanziert und noch gibt es keine Ausfälle – lediglich einige Zahlungsverzüge.
Laut MyC4 wurde in dem Relase folgendes geändert:
- The look of MyC4.com has been updated
- Improved navigation making it easier to find your way around via a top menu and a left hand menu with sub-levels
- “Opportunity” changed to “Business” – to access the overview of Businesses, click on “INVEST” in the top menu
- MyCredits is now changed to EURO (€)
- The Investor now carries the Currency Risk
- Withholding tax
Die Verlagerung des Wechselkursrisikos auf den Anleger ist eine größere Veränderung. Dazu aus der Ankündigungsemail:
At MyC4 we want to offer a sustainable and easy to understand solution for the African Businesses. The currency Risk has until now been carried by the African Business, but this has uncertainty for their loan conditions.
To ensure that MyC4 and the African Businesses are sustainable in the long run a new model for the Currency Risk has been developed. We now transfer the Currency Risk to the Investor, which has to be covered by the size of the interest rate you demand.
As a consequence please be aware that going forward there is a Currency Risk on your new investment when investing in some African countries. MyC4 cannot advise on the daily currency development, but based on the last 3 years currency fluctuation we suggest as a guideline that your add the following percentages to your normal wanted interest rate to cover for the potential Currency Risk;
Uganda 6%
Kenya 2%
Côte d’Ivoire 0%This means that if you where planning to Bid on a Business in Kenya with an interest of 8% in mind you now add the 2% – so you Bid 10%, but will properly get 8% depending on the currency fluctuation over the period of the loan.
Abbildung der neuen MyC4 Startseite:
