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Company Presentation

Company Presentation. Qredits Non-profit organisation founded in 2009. Statutory goal : provide financing and coaching for starting / existing small business entrepreneurs that have a viable business plan yet are unable to obtain financing through regular channels .

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Company Presentation

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  1. Company Presentation

  2. Qredits • Non-profit organisationfounded in 2009. • Statutory goal: • providefinancingand coaching forstarting / existing small business entrepreneurs that have a viable business plan yet are unabletoobtainfinancingthroughregularchannels. • Operational goal: • professional organisationwithtraditional lendingfacility in combinationwithsophisticated IT support • sustainableorganisation • fundedby

  3. Organisation

  4. Organisation as of October 1, 2013 46 employees assignedto: Credit facility & Support staff(25) Coaching department (5) RegionalLoanofficers (16) Qredits-coach Volunteerorganisation with500 coaches Qredits was awarded the Microfinance Good Practices Europe Award 2010

  5. Online tools for entrepreneurs • Entrepreneurial competency test • Business Plan template (150 downloads a day) • e-learning modules (average of 30 sold per week) € 79,95 € 49,95 e-learning How to write a sales plan e-learning How to write a business plan e-learning Credit management Distributed to 20 vocational and bachelor-level schools.

  6. Qredits-coach set-up • Business Development Services • Coaching programs with/ without microcredit loan (€200) • Qreditsworkswith over 500 volunteer business coaches: • Experienced entrepreneurs / Young professionals • Company pool: 190 business coaches from 10 affiliated business partners

  7. Credit facilities characteristics Microcredit loans SME loans (available Nov 1, 2013) Businessloans € 50,000 - € 150,000 Interest rates: 8.75% - 10.75% Averageloan term: TBD • Onsite screening at entrepreneur’s home or place of business • Personallytailored service • Short processing times • Monthly automatic withdrawal of interest andprincipalpayments • Flexibility in loanpay-off • Coaching available • Businessloans up to € 50,000 • Interest rates: 9.75% - 10.75% • Averageloan term: 4.5 years

  8. Procedure Loan Assessment • Web-based loan application in Micronet • 5 step process • ‘4-eyes principle’ Application 100% Credit offer Intake 22% 69% Screening Assessment 30%

  9. Loan portfolioJan 2009 – Sept 2013

  10. Clients by sector

  11. Client characteristics Bachelor level Masters level Bachelor level

  12. Microfinancing Effects Social Economic Performance • 4 indicators • 21 sub-indicators • Annual questionnaire • Income • Increase in income • Decrease of poverty level of customers • Increase in economicindependence of customers • Scope • The number of people Qredits is reaching • Servicing target groups Social Economic Performance Indicator • Socio-economicResults • Job creation • Increase in number of SMEs • SocialYield • Increasesocialnetwork • Decreaseexclusion in job market • Educationalenrichment

  13. Microfinancing Effects Income Income from paid employment Income from own enterprise Social benefits income Other income No income

  14. Microfinancing Effects Number of employees • On average customers with personnel employ between 2 – 2.5 FTE. • 15% - 20% of our customers work with volunteers. • 5% - 10% of our customers employ previous welfare recipients or people with minor disabilities.

  15. Microfinancing Effectssurvival rate

  16. Financials – Loan Division

  17. Financial Indicators

  18. KeySuccess Factors LoanDivision • Increase volumes • Target group reached • Number of loans provided • Provisions • Risk Policy • Provision calculation (payment delays, other risk factors) • Guarantee-instruments (EIF / national government) • Cost of Funding • Senior debt & equity capital • Fluctuating rates (Euribor) / Fixed rates / Interest SWAP

  19. Financials – Coaching Division

  20. KeySuccess Factors Coaching • Development & distribution online tools • Distribution via internet & schools • Cross-sell existing customers • Volunteer coaching • Develop different coaching programs • Large coachpool • Quality criteria (intervision / e-learning coaching) • Distribution tools and coaching programs via commercial banks and business partners

  21. For more information visit www.qredits.com

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