Due to the fact that the domestic financial services market is developed at a fairly high level, today in this area you can meet not only large banks, but also private companies, which, in fact, conduct activities of the same nature - granting loans and accepting deposits.
The object of today's article will be just such a private company, which is known as the financial group “Yes”. Feedback on what activities it carries out and what it is, were collected from specialized Internet resources, so they will also be added here. We will carry out a peculiar analysis of the group.
general information
At first glance, the financial group “Yes”, reviews of which we are interested in writing this article, is a regular microfinance organization. There are a lot of these now - they are engaged in issuing small loans and attracting private funds for a short period. Due to the fact that the amount of loans is relatively small and they are issued for a short period, the profit of the company should be sufficient to cover interest on deposits. The high demand for borrowed funds, the simplicity of obtaining a loan and the availability of private capital in the aggregate should ensure profitable activity of the group and its further growth. At least this is said on the site, which contains information about what the financial group “Da-Invest” is. User reviews are also here, but their “solid positive nature” is more likely to indicate what their employees wrote.
Terms of cooperation
The group would not have been distinguished by anything except for the interest that it had promised to its investors. So those who made a deposit were guaranteed 8-10 percent profit per month. In turn, loans were issued here at a rate of 2% per day in the amount of 1,000 to 1.5 million rubles.
At first glance, it seems that the financial group “Yes” (reviews confirm this) does work on conditions that are quite favorable to itself. It turns out that loans should bring the company about 60% per month, while deposits would have to pay up to 10% of the monthly turnover. That is, “dry” mathematics shows that in fact the company will receive a profit in the form of 50% of all funds received, which is not so small.
Suspicions
But let's look at the situation in terms of reality. Let's say attracting people who want to make a profit of 10% per month is not so difficult. In fact, it’s enough to pay interest only to the first wave of “cautious” investors, after which they will bring their friends and acquaintances who will believe that the company pays and working with it is really profitable. There should not be any problems with this.
There is another side - these are loans, due to their financial group “Yes”, which we will prepare customer reviews about later, will have to receive the necessary profit. Where to find so many people who will be willing to take loans at 2% of the monthly? What if 100 investors come to the group and bring, for example, a million rubles? Where in this case to find borrowers who agree to take this money on credit, and even for a long period, paying interest at the same time?
This is the inconsistency - in the loan market, the company “Yes” has many more competitors than in the investment sphere. Therefore, they simply will not be able to ensure the payment of such high interest.
Reviews
In principle, the same is true of people’s recommendations. The financial group “Yes”, the reviews about which we were looking for this article, did not enjoy a good enough reputation among investors for the reason that they understood the impossibility of realizing the idea as a whole. While the company was still operating, many investors expressed doubts about how long it would last in the market.
There is still a category of reviews left by those who have already lost their funds in this company. Obviously, such users were outraged: they claimed that the group simply stopped making payments, and all communication with “Yes” was cut off.
Result
As you can see, company information has been published in the past. This was done on purpose, because at the moment LLC “Yes” financial group, reviews of which, as you know, are mostly negative, has ceased to operate. Even the company’s website has stopped working, and now it just displays an error.
As evidenced by the information on the forums that appeared after the group stopped working, most likely “Yes” was a classic pyramid. The loan offer here acted solely for “eye-opening”, while the main stake was placed on depository activities (raising funds). After the first percent of profit for depositors went in the first months of the company’s work, the working capital of the Yes financial group (customer reviews of the depositors confirm this) significantly increased. Apparently, its organizers were waiting for this to simply “disappear” in the future and leave investors with nothing.