| ALDA microcredit realization in 2009. |
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LDA office in Subotica started to implement a “Micro credit scheme for Young entrepreneurs” in December 2008. as a field type of work. Through cooperation and consultation with Banca Intesa branches over Vojvodina, we succeeded to approve EUR 100.500,00 to our clients. Reasons for this results we gained trough improved “field work” of our consultant and improved loan conditions. Just for revision, basis of our “field work” was good communication with clients, improved contact and consultations with Bank’s branch offices, reduced response to clients by LDA Subotica office. LDA Subotica office has been dealing with more than 80 loan requests, five requests were approved, more over 40 rejected by the Bank, and 40 or more of clients did not manage to fulfill needed collaterals. In past nine months, we have also established very good cooperation with Bank’s officers in branch offices over the Vojvodina province. Constant communication and working atmosphere we have with regional offices in Novi Sad, Pančevo, Bačka Palanka and Zrenjanin. Moreover, regarding clients, most of the borrowers are not clients of the Bank, precisely 24 of 42. Fourteen of all of them are start-up clients – rookies. Almost every sector of economy is interested in this type of loan, but greater number of our clients comes from services – transport services, advisory, craftsmanship; and some of them are in production, especially – wood production, bakery, recycling firms. “Micro credit scheme for start-up activities For Young entrepreneurs In South East Europe”, or so-called ALDA credit (as bank officers preferred to call it that way) has been potentially best way for SME to gain a serious investment projects. This fact approves the complete loan amount paid-off by two LDA Serbia offices together, which is EUR 1.085.344, 00. During past months, the conclusions are that the ALDA credit is attractive for potential borrowers. As for matters, due to great efforts of consultants and LDA teams, we managed to disburse a credit that helped SMP’s in Serbia to feel the consequences of this World economic crisis little bit easier. Download Report on ALDA credit realization here:
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