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By Simone Janson (More) • Last updated on October 22.04.2009, XNUMX • First published on 22.04.2009/XNUMX/XNUMX • So far 4926 readers, 1161 social media shares Likes & Reviews (5 / 5) • Read & write comments
Alexander Artopé founded smava GmbH at the end of 2005, the Smava portal was launched in March 2007. Objective of the portal is a simple and cheap credit exchange for private individuals and the self-employed Alternatives offer to banks.
As Managing Director of smava, Alexander Artopé is responsible for the areas Marketing, Finance and Strategy responsible. Already during his studies of economics and journalism at the Ludwig-Maximilians-University Munich and the Free University of Berlin, Artopé was active in the field of corporate finance for Time Warner International in the USA. After his studies, the business graduate worked as Managing Editor at the European Communication Council (ECC). From 1999 to mid-2005 he was co-founder and CEO of the Berlin softwareCompany datango.
In general, it is attractive for many private investors to generate a “social return” in addition to the financial return, as is the case with microloans.
That means investors can Money right into the projects investthat interest you.
Of course, the sinking plays Trust a role in banks. Traditional banks and their standard products have become less attractive.
Investors often earn a higher return on smava than with comparable fixed-income offers from banks. As a result, the banking crisis means that we at smava have a strong increase in investors.
The donors can rely on a high security framework at smava. First, borrowers are checked for their identity, the SCHUFA score and their income.
Second, investors can view this anonymized data as a decision-making criterion before investing money. Third, there is the collective protection of the “investor pools”.
Exactly, our security mechanisms ensure that the risk is shared among several people. If a borrower can no longer pay, this repayment default is borne jointly by all investors in a pool or a risk class.
The risk is thus transparent from the outset and calculable for the investor. In addition, investors can specifically invest their money in different credit rating groups and thus actively build up a portfolio.
Investors are informed in advance on the website and in the framework receivables purchase agreement about the possible risks of a credit default cleared up. If a borrower does not pay, smava takes over the dunning process on behalf of the investors.
After setting a specific deadline without payment, this claim is sold to the debt collection company Intrum Iustitita. The resulting incoming payments will be paid out to the investors concerned. smava itself acts as an intermediary marketplace and profits neither from the income (interest) nor is it liable for the possible risks (credit default).
So far we only have around 5% of cases where borrowers have not paid at all. However, it is important to keep in mind that this risk is acceptable for investors as long as they include it in their expected net return and money as a result to earn:
The updated yield expectation of all smava investors amounted to an average of 2008% per year until the end of 9,4. 2008 have lost only 1% of investors at smava money. In total, the loss of these investors is only 60,46 EUR.
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Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
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