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

Dineo was founded in Spain in 2014 as a Social Limited Company. Allocated in Cash Converters stores, Dineo provides offline financial solutions for non-digital users through 75 selling points across Spain and they also cover the digital market needs through its online platform, allowing users to request, extend or pay back their loans.

Dineo finances consumer loans to individuals from 50 to 600 euros, with interest rates at Lendermarket from 10% to 15% for their short-term loans of up to 90 days. Since its inception, Dineo has helped more than 195,000 clients and has issued more than 1,4 million loans valued at 335 million EUR. They finished 2022 with an income of €15.9M, and its default ratio stayed under 11% while its NPL ratio was at 12.1% decreasing 3.6% from the previous year. They offer a buyback guarantee after 60 overdue days, which is also covered by a group buyback guarantee. The maximum extensions for their loans will be of 30 days up to two times.

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