Mintos Detailed Statistics (February 15, 2018)

We’ve got another update as we were notified by Mintos that there was an error in the statistics related to the payment of loans in Botswana. Due to the demand, we’ve decided to analyze the Mintos loan book two times per month.

Do note that we primarily analyze the ratio of current vs late loans. This does not mean that late loans will necessarily default or not recover.

Current Loans By Country

The issue date for these loans is one month or older. This would indicate a payment has already been made or they are late. This is exactly when the differences start to show. You won’t know a bad loan when it’s new.

The table below shows the difference of loans being paid on-time related to the term of a loan. Last time I pointed out that there was no improvement with terms longer than 6 months.

It appears that Denmark, Finland, Romania and Spain have a lot of late loans with a term of 6 months or longer. Botswana appears to have a lot of late short-term loans. It appears that only 154 short-term loans are being paid on-time. However, if you filter out terms shorter than 6 months we’re suddenly seeing 83% of all loans being paid on-time.

Country Current

Term = All

Current

Term > 6m

Albania 5802 83% 5457 83%
Botswana 2190 54% 2036 83%
Bulgaria 7593 86% 4899 89%
China 2 20%
Czech Republic 348 22% 23 96%
Denmark 670 47% 264 64%
Estonia 3923 90% 3915 90%
Finland 73 49% 72 50%
Georgia 72602 77% 63760 83%
Kazakhstan 14 100%
Kenya 397 97% 392 97%
Latvia 23911 71% 17608 84%
Lithuania 10171 85% 9627 85%
Moldova 7679 90% 1960 87%
Poland 12654 71% 10896 84%
Romania 1125 70% 1075 70%
Russian Federation 102 27%
Spain 1466 20% 113 46%
Sweden 2391 100% 1959 100%

Interest Rate By Current Loan Status

Again, quality of the loans is optimal looking past 6 months. With interest rates up to 8%, nearly all loans are current.

Rate Current Current

Term > 6m

6 7 88% 5 100%
7 205 96% 204 100%
8 3661 97% 3154 97%
9 4570 52% 1012 77%
10 6705 54% 5118 87%
11 18123 61% 12188 84%
12 42403 77% 32054 82%
13 28919 78% 25606 84%
14 36764 82% 35169 84%
15 764 90% 764 90%
16 55 86% 55 86%
17 6706 85% 6474 86%
18 4224 78% 2248 88%
19 4 100% 4 100%
20 3 100% 1 100%

Current Loan Status By Loan Originator

Below you’ll get statistics of each loan originator. As their performance depends on currency, term, country and buyback guarantee. The loans have been issued at least 1 month ago to give a more accurate representation of on-time payments. This should greatly help setting your diversity filters.

Loan Orig. Curr Country BB Curr

All

Curr

T > 6m

Aasa EUR Poland Yes 5076 100% 5075 100%
Aasa EUR Sweden Yes 2134 100% 1702 100%
Aasa PLN Poland Yes 1165 100% 1165 100%
Aasa SEK Sweden Yes 257 98% 257 98%
ACEMA CZK Czech Republic No 5 100% 5 100%
ACEMA CZK Czech Republic Yes 1 100% 1 100%
ACEMA EUR Czech Republic No 12 92% 12 92%
ACEMA EUR Czech Republic Yes 5 100% 5 100%
Aforti EUR Poland Yes 193 74% 192 74%
Aforti PLN Poland Yes 38 83% 38 83%
AgroCredit EUR Latvia Yes 1 50%
Banknote EUR Latvia Yes 13495 69% 8233 81%
BIG GEL Georgia Yes 674 100% 523 100%
Bino EUR Latvia Yes 844 27%
Capital Service EUR Poland Yes 2935 79% 2935 79%
Capital Service PLN Poland Yes 68 74% 68 74%
Capitalia EUR Estonia No 38 68% 37 67%
Capitalia EUR Latvia No 54 86% 46 87%
Capitalia EUR Latvia Yes 5 100% 5 100%
Capitalia EUR Lithuania No 77 59% 62 63%
Capitalia EUR Lithuania Yes 4 80% 4 80%
CashCredit EUR Bulgaria Yes 5099 83% 2848 87%
Creamfinance CZK Czech Republic Yes 174 16%
Creamfinance DKK Denmark Yes 17 8%
Creamfinance EUR Denmark Yes 338 49%
Creamfinance EUR Georgia Yes 762 24% 117 27%
Creamfinance GEL Georgia Yes 218 34%
Creditstar CZK Czech Republic Yes 151 37%
Creditstar EUR Finland Yes 73 49% 72 50%
Creditstar EUR Poland Yes 815 37%
Creditstar EUR Spain Yes 112 15%
Creditstar PLN Poland Yes 468 34%
Debifo EUR Lithuania No 73 75%
Dindin EUR Spain Yes 235 22% 113 46%
EcoFinance EUR Russian Federation Yes 102 27%
EuroOne EUR Spain Yes 255 16%
Extra Finance EUR Romania No 20 57% 17 55%
Extra Finance EUR Romania Yes 9 69% 9 69%
Extra Finance RON Romania No 2 33% 2 33%
Getbucks EUR Botswana Yes 2190 54% 2036 83%
GetBucks EUR Poland Yes 68 8%
Hipocredit EUR Latvia No 359 84% 359 84%
Hipocredit EUR Latvia Yes 64 91% 64 91%
Hipocredit EUR Lithuania No 67 81% 67 81%
Hipocredit EUR Lithuania Yes 2 100% 2 100%
ID Finance EUR Georgia Yes 1347 88% 1206 88%
ID Finance EUR Spain Yes 864 23%
ID Finance GEL Georgia Yes 4456 86% 4216 87%
Invipay EUR Poland Yes 229 100%
Invipay PLN Poland Yes 176 100%
ITF Group EUR Bulgaria Yes 1900 100% 1457 100%
IuteCredit EUR Albania Yes 5802 83% 5457 83%
Kredit24 EUR Kazakhstan Yes 12 100%
Kredit24 KZT Kazakhstan Yes 2 100%
Lendo EUR Georgia Yes 59244 78% 53396 83%
Lendo GEL Georgia Yes 5901 83% 4302 85%
Mogo EUR Bulgaria Yes 594 74% 594 74%
Mogo EUR Estonia No 147 85% 147 85%
Mogo EUR Estonia Yes 3738 91% 3731 91%
Mogo EUR Latvia No 392 89% 392 89%
Mogo EUR Latvia Yes 7707 86% 7650 87%
Mogo EUR Lithuania No 232 83% 232 84%
Mogo EUR Lithuania Yes 5164 81% 5150 81%
Mogo EUR Poland Yes 925 76% 925 76%
Mogo EUR Romania Yes 646 69% 646 69%
Mogo GBP Poland Yes 267 79% 267 79%
Mogo PLN Poland Yes 231 79% 231 79%
MoneyMetro EUR Latvia Yes 990 80% 859 81%
Mozipo Group EUR Denmark Yes 315 62% 264 64%
Mozipo Group EUR Lithuania Yes 4552 90% 4110 91%
Mozipo Group EUR Romania Yes 448 73% 401 74%
PangMaoBao EUR China Yes 2 20%
Sebo EUR Moldova Yes 7679 90% 1960 87%
Watu Credit EUR Kenya Yes 397 97% 392 97%

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