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Pera Agad Customer

Jul 20, 2017, 20:10 PM by Maria Stamenova
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Pera Agad is brought you by Cash Credit

Pera Agad is brought you by Cash Credit, an international tech-based financial services company that has partnered with SMART to bring a fast unsecured credit provided exclusively to SMART Prepaid and TnT subscribers in the SMART Padala and Pera Hub centers.

About Cash Credit:

Cash Credit is a Fintech company currently operating in Bulgaria, South Africa, and the Philippines. Cash Credit partners with various data providers such as telcos, utility companies, banks and other financial institutions to offer 1) micro credit products to end users and 2) lending scoring technology to financial institutions. CC uses analytics-based credit scoring methodology from non-traditional data sources and enhances where applicable with other available data. The partnership model allows CC to achieve low customer acquisition cost, low servicing cost and rapid scalability of the service in the market in exchange of revenue sharing for using the partners’ customer data, distribution & communication channels. 

Mission:

Cash Credit’s mission is to provide convenient instant loans to consumers who need money in time without intervention to their private space as it is in working with the model of agent network. This structure is fully replaced by an automated process of approval and granting, whereby the subjective moment and the risks existing upon contact with agents are completely eliminated. The main difference in Cash Credit’s service is its innovative scoring, which allows more precise customer evaluation while remaining a completely automated process.

Vision:

Cash Credit’s vision strictly follows these main values:

  • Sustainability – In building partnerships and in building customer relations. We always attempt to maintain the highest quality of service, to be consistent in every action, and to build our clients’ trust that we will always maintain the same standards of service.
  • Trustworthiness and Transparency – We are honest and trustworthy both with our partners and our clients. We treat them equally and with transparency, to create assurance that we deliver all the information necessary to build mutual trust.
  • Social Responsibility – In keeping with our corporate values and professional beliefs, we work with a range of long-term and ongoing social projects, because we know that every business is responsible to continually improve the environment in which it operates. We translate these values in our everyday work, reflected in the special attention we pay to the conditions upon which we grant loans.
  • Social Responsibility – In keeping with our corporate values and professional beliefs, we work with a range of long-term and ongoing social projects, because we know that every business is responsible to continually improve the environment in which it operates. We translate these values in our everyday work, reflected in the special attention we pay to the conditions upon which we grant loans.
  • Deliverability – We are purposeful in completing our promises, arrangements and goals. Accomplishing and delivering our targets, and creating the highest benefit for our clients, partners and investors is our priority.

Corporate Social Responsibility:

Cash Credit is a microcredit company with strict policies on corporate social responsibility regarding its employees, partners, and its clients. That’s why Cash Credit strictly observes the conditions under which it provides loans:

  • The company does not provide loans to individuals under 21 years old, since we believe a good financial culture and life experience are required in order to be able to manage your personal finances
  • The company provides all applicants with full and transparent information about the conditions and parameters of loans prior to the actual contract. The company treats its clients equally and provides equal opportunity to all to apply and receive the desired amount in a timely manner
  • The company performs all required checks to prove the accuracy of data received
  • The company undertakes the necessary actions to confirm the identity of credit applicants
  • The Company handles all personal data of its customers responsibly
  • The Company provides all customers with the legal right to repay their loans partially or fully without additional financial burdens
  • The company requires no fees for the application and utilization of the credit
  • The company charges interest rates on the amount only for the period during which the customer has actually used the loan
  • The company notifies its clients in a timely manner through SMS about upcoming and or delayed installments on all credits, or in the case of any legal changes in the general terms and conditions.
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