Comment le risque lié aux prêts P2P se compare-t-il à celui des investissements traditionnels et alternatifs ?

RapiCredit is the biggest micro-lending fintech in Colombia. RapiCredit started its operations in Colombia in 2014 and finances consumer loans to individuals from COP $200.000 to COP $1.000.000, with interest rates at Lendermarket up to 18% for their mid-term loans up to 180 days.

They offer a buyback guarantee after 60 overdue days. NPL(non-performing loans) is stabilised at 6.5% for 360 dpd. Their purpose is to integrate and bring to the millions of Colombians who do not have access to traditional banking, and who in many cases are served by informal credit, credit solutions that allow them to improve their lives.

The company supports financial inclusion, fighting informal loans in Colombia and opening the door to the traditional banking system to almost 36% of its clients. They believe that the best effect is produced when the players in the ecosystem are integrated to provide solutions to Colombians or complement them, bringing about the financial inclusion required for social development, and that Colombia is the platform to make the leap to the Latin American region.

RapiCredit, which to date has granted more than 2.8 million loans, has recently obtained, from strategic funders, quotas for more than US$15 million to be used as working capital, and has forged alliances with important entities in the country. It also expects to expand its operations in Central America and the region in the coming years.

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