Russian microfinance market, whose volume is estimated at 30 billion rubles. Is becoming more organized. For extensive work with arrears of microfinance institutions (MFIs) have started a collection agency.
The fact that microfinance institutions increase the amount of debt transferred to the work of collectors, "Kommersant" said the head of the collection agency FASP Alexander Morozov. According to him, the company now employs about a dozen organizations to outsource several hundred debts.
Previously, micro-finance institutions to cooperate with collectors in pilot projects. In addition, collectors are actively working to take bad debts affiliated with MFI. For example, the FASP and debt platform "Vdolg.ru" which, in essence, a microfinance institution, the general shareholders. The agency "Sequoia Credit Consolidation" is Adela Holdings with MFI "Household Money" and the company on financing small and micro business "Finotdel." However, after the entry into force of the law "On Microfinance and Microcredit Organizations" and the emergence of the registry of such organizations, collectors have shown interest to delay the MFI, "the market". "MFIs have become tougher approach to the reservation, which, in turn, affect the allowable level of arrears" - indicates general director of "Sequoia Credit Consolidation" Elena Dokuchaev.
The greatest experience with debt collectors in the platform "Vdolg.ru" which actually is not microfinance, but the specifics of the subject of foreclosure there are similar - are loans issued to individuals for emergency needs under high percentage (up to 200% per annum). Unlike conventional MFI only that the lender is a natural person, and the platform is a "meeting place" of lenders and borrowers. According to the director "Vdolg.ru" Anton Tarasov, the work of collectors of debts transferred after the first day of delay. "In an earlier delay can recover about 70% of the debt, but debt whose age exceeds five or six months, are virtually unrecoverable, can return lish1 2%," - he points out. According to him, work in high-risk segment of the credit makes it necessary to cooperate with collectors.
Need to work with collectors to MFI confirms CEO "Financial Technologies" Andrei panel. "About a month ago we passed on the outsourcing agency" bailiff "portfolio of bad debts worth about 11 million rubles., About 20% of them have already returned - he says .- Given that the outstanding debt is about 40% of our portfolio, the transfer of bad debts collectors is more expedient than trying to self-punishment. "
However, not all market participants believe microfinance cooperation with collectors profitable. "Our experience working with collectors showed that the cost of their services and the effectiveness of sanctions can not be compared - says the president of the Criminal Code" Center microfinance "Paul Segal .- In our service recovery 30 people, and even considering the costs of organizing its work, work independently with poor debt is cheaper. " Agrees with him CEO of the agency "Microfinance" Andrew Marula, noting that security staff have worked in the company's collection agency, which allows them to use the experience and methods of the collectors.
Yet with the development of the MFI market transfer of their bad debts on outsourcing will become widespread, experts said. "Given the high rate of market development of MFIs in the future it will be a tangible source of income for collectors," - indicates Mr. Morozov. "Clearly, the prospect of collectors in the segment of micro-credit will rise, but their success will depend on whether they can develop special techniques for dealing with such debts" - believes the president of the National Partnership of Microfinance Market Michael Mamut.
The fact that microfinance institutions increase the amount of debt transferred to the work of collectors, "Kommersant" said the head of the collection agency FASP Alexander Morozov. According to him, the company now employs about a dozen organizations to outsource several hundred debts.
Previously, micro-finance institutions to cooperate with collectors in pilot projects. In addition, collectors are actively working to take bad debts affiliated with MFI. For example, the FASP and debt platform "Vdolg.ru" which, in essence, a microfinance institution, the general shareholders. The agency "Sequoia Credit Consolidation" is Adela Holdings with MFI "Household Money" and the company on financing small and micro business "Finotdel." However, after the entry into force of the law "On Microfinance and Microcredit Organizations" and the emergence of the registry of such organizations, collectors have shown interest to delay the MFI, "the market". "MFIs have become tougher approach to the reservation, which, in turn, affect the allowable level of arrears" - indicates general director of "Sequoia Credit Consolidation" Elena Dokuchaev.
The greatest experience with debt collectors in the platform "Vdolg.ru" which actually is not microfinance, but the specifics of the subject of foreclosure there are similar - are loans issued to individuals for emergency needs under high percentage (up to 200% per annum). Unlike conventional MFI only that the lender is a natural person, and the platform is a "meeting place" of lenders and borrowers. According to the director "Vdolg.ru" Anton Tarasov, the work of collectors of debts transferred after the first day of delay. "In an earlier delay can recover about 70% of the debt, but debt whose age exceeds five or six months, are virtually unrecoverable, can return lish1 2%," - he points out. According to him, work in high-risk segment of the credit makes it necessary to cooperate with collectors.
Need to work with collectors to MFI confirms CEO "Financial Technologies" Andrei panel. "About a month ago we passed on the outsourcing agency" bailiff "portfolio of bad debts worth about 11 million rubles., About 20% of them have already returned - he says .- Given that the outstanding debt is about 40% of our portfolio, the transfer of bad debts collectors is more expedient than trying to self-punishment. "
However, not all market participants believe microfinance cooperation with collectors profitable. "Our experience working with collectors showed that the cost of their services and the effectiveness of sanctions can not be compared - says the president of the Criminal Code" Center microfinance "Paul Segal .- In our service recovery 30 people, and even considering the costs of organizing its work, work independently with poor debt is cheaper. " Agrees with him CEO of the agency "Microfinance" Andrew Marula, noting that security staff have worked in the company's collection agency, which allows them to use the experience and methods of the collectors.
Yet with the development of the MFI market transfer of their bad debts on outsourcing will become widespread, experts said. "Given the high rate of market development of MFIs in the future it will be a tangible source of income for collectors," - indicates Mr. Morozov. "Clearly, the prospect of collectors in the segment of micro-credit will rise, but their success will depend on whether they can develop special techniques for dealing with such debts" - believes the president of the National Partnership of Microfinance Market Michael Mamut.
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