Its founded on how much stock we have to sell, and we never have a challenge selling because its advantageous to the consumer to buy something thats six months guaranteed and half the price theyd pay for it new.
The economics of the time also cbi personal loan requirements people to look for better quality and South Africans know value when they see it. Similarly, PDAs are up 30 because people need cash. How do you turn ordinary Joe into a money lending franchisee. Weve spent a lot of money upping our operational staff, which has doubled in 18 months, to support the franchise network. You also want to lend relative to the value of the asset, so weve also got sophisticated IT that shows a franchisee what price to pitch for products, as cbi personal loan requirements sell thousands of items across the network weekly.
Similarly, with unsecured micro-lending, our IT platform uses affordability assessments to determine how much an individual can afford to borrow. If you dont provide the platform with the right information, you wont make the loan. Australia ran this product for seven years before we launched it here, so it works incredibly well and we only have a bad debt ratio of 6.
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