Mintos Portfolio Performance - detailed statistics, InvestP2PLending

Created on: Sun Feb 17 16:02:15 CST 2019

Below are statistics for my personal portfolio on Mintos. If you would like to see different statistics let me know at mintos@investp2plending.com. Note that all numbers are in EUR as I am not investing in other currencies.

Mintos is offering additional 1% on your average daily investment if you register through this site! Follow this link to get additional 1% on your investment.

Contents

Monthly Transactions

Inc. Payment - amount of money sent to Mintos; Inv. PM - amount invested in primary market; Inv. SM - amount invested in secondary market; Bonus - bonus paid by Mintos to my account; Interest - interest earned; Rep./Rebuy - repayment/rebuy of principal; Profit - total revenue generated on Mintos; Other - non-classified transaction not accounted for elsewhere; Available - amount available for investment; Balance - balance on the account (only last (total) value makes sense; ADB - average daily balance (average from balances at the end of each day); ADB i% - yield (interest) measured on average daily balance; ADI - average daily investment (average from invested amount at the end of each day, note this is lower compared to ADB); ADI i% - yield (interest) on average daily investment, note that this will be typically slightly higher then ADB i%.

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Month Inc. Payment Inv. PM Inv. SM Bonus Interest Rep./Rebuy Profit Other Available Balance ADB ADB i% ADI ADI i%
  €125,722.00 -€297,006.00 -€13,411.00 €330.00 €2,274.00 €182,838.00 €2,604.00 €0.00 €747.00 €128,326.00        
2019-02-01 €0.00 -€37,009.00 €0.00 €0.00 €488.00 €36,234.00 €488.00 €0.00 -€287.00 €488.00 €128,116.00 8.57 -€127,507.00 8.61
2019-01-01 €38,828.00 -€108,592.00 €0.00 €94.00 €833.00 €69,807.00 €927.00 €0.00 €970.00 €39,755.00 €112,318.00 8.90 -€111,927.00 8.93
2018-12-01 €38,529.00 -€74,373.00 -€12,568.00 €207.00 €531.00 €47,683.00 €738.00 €0.00 €9.00 €39,266.00 €69,086.00 9.22 -€68,920.00 9.25
2018-11-01 €0.00 -€17,947.00 -€205.00 €29.00 €324.00 €17,814.00 €353.00 €0.00 €14.00 €353.00 €48,634.00 7.99 -€48,537.00 8.01
2018-10-01 €48,366.00 -€59,084.00 -€639.00 €0.00 €99.00 €11,300.00 €99.00 €0.00 €41.00 €48,464.00 €38,376.00 3.10 -€38,021.00 3.12

Last 12 Days

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 2111 €25,042.73 12.4 1.7 2350 €26,785.76 11.8 12.3 -44
2019-02-17 7 €70.00 12.0 1.0 65 €735.16 9.3 12.3 -299
2019-02-16 178 €2,028.82 12.0 1.0 127 €1,397.75 12.2 12.1 11
2019-02-15 133 €1,628.48 12.0 1.0 155 €1,706.99 12.1 12.1 0
2019-02-14 191 €1,910.00 13.0 1.0 157 €2,060.44 11.0 12.1 -106
2019-02-13 215 €2,693.29 12.9 1.0 204 €2,454.33 12.7 12.7 -2
2019-02-12 158 €2,498.00 12.0 1.4 222 €2,676.15 12.0 12.6 -68
2019-02-11 96 €960.00 13.0 0.3 135 €1,454.13 11.6 12.1 -52
2019-02-10 21 €490.00 12.0 1.0 102 €1,148.60 11.7 12.1 -40
2019-02-09 214 €2,241.53 12.0 1.2 229 €2,527.33 11.7 12.5 -76
2019-02-08 233 €2,380.00 12.4 1.0 234 €2,747.26 11.0 11.5 -55
2019-02-07 367 €5,162.61 12.5 1.4 267 €2,851.00 13.0 12.6 36
2019-02-06 36 €360.00 12.1 12.6 249 €2,710.00 11.9 12.5 -56
2019-02-05 262 €2,620.00 12.1 4.7 204 €2,316.62 12.4 12.4 -1

Last 12 Weeks

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 7385 €116,371.86 12.7 4.3 8033 €149,103.60 11.9 11.7 21
2019-02-11 978 €11,788.59 12.5 1.0 1065 €12,484.95 11.7 12.3 -59
2019-02-04 1175 €13,674.14 12.3 2.3 1413 €15,667.80 11.9 12.3 -35
2019-01-28 844 €8,440.00 12.9 2.4 1173 €13,343.96 13.0 12.8 23
2019-01-21 2221 €22,210.00 12.6 5.4 951 €14,786.64 12.5 12.2 35
2019-01-14 977 €9,940.00 12.8 8.6 823 €14,738.92 11.9 11.7 21
2019-01-07 370 €3,750.00 12.9 3.9 606 €13,837.97 12.1 11.5 56
2018-12-31 343 €19,607.37 13.8 5.6 435 €15,332.61 12.5 12.0 48
2018-12-24 228 €14,610.88 12.7 1.2 313 €9,722.27 11.7 11.7 2
2018-12-17 2 €100.00 14.0 0.0 295 €8,590.42 11.6 11.2 39
2018-12-10 14 €583.86 12.9 0.2 284 €10,696.06 11.6 11.3 32
2018-12-03 218 €11,029.11 11.1 8.0 172 €6,883.32 11.1 11.2 -7
2018-11-26 15 €637.91 11.9 11.7 480 €12,353.59 10.8 10.2 64
2018-11-19         23 €665.09 11.7 11.4 31

Last 12 Months

New Inv - number of loans invested in given time; Inv Amt - invested amount; New wIR - weighted interest rate on new investments (weighted by remaining term; Fin Inv - number of finished investments in given time; Fin. Inv Amt - investment amount in loans that finished; wIR - weighted interest rate on finished investments, weighted by duration of investment and amount of investment; wXIRR - weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good).

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Date New Inv Inv Amt. New wIR Avg. Rem. Term Fin Inv Fin. Inv Amt wXIRR wIR TwD (bps)
Total 8547 €137,975.49 12.3 5.7 9663 €172,401.52 11.9 11.7 24
2019-02-01 2715 €31,082.73 12.5 1.7 3084 €34,803.18 12.1 12.5 -34
2019-01-01 4185 €57,783.28 13.0 5.9 3353 €64,253.86 12.3 11.9 38
2018-12-01 474 €27,073.15 12.0 4.3 1445 €46,013.90 11.3 10.9 38
2018-11-01 46 €1,823.24 11.2 14.5 953 €16,849.65 11.6 11.2 42
2018-10-01 1127 €20,213.09 10.5 14.4 828 €10,480.93 11.9 11.2 71

Concentration Report

Report showing the loan originators and countries with the highest exposure on current investment. Only exposures over 5% are shown. View - defines whether the exposure is on contry level or originator level; Entity - country or loan originator where I am exposed; Inv. Amt. - amount of current investments in '000 EUR; Share (%) - share of investment from all current investments; Detail - list of countries or originators that contribute to the exporure, with '000 EUR investment added.

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View Entity Inv. Amt. Share % Detail
Country Poland 35 25.7 Aasa (1),Kuki (17),Capital Service (16),Leaselink (0)
Originator IuteCredit 35 25.5 Moldova (25),Albania (9)
Country Moldova 26 19.1 IuteCredit (25),Sebo (0)
Country Russian Federation 19 14.0 Dozarplati (8),Lime Zaim (9),Metrokredit (0)
Originator Kuki 17 12.4 Poland (17)
Originator Capital Service 17 12.4 Poland (16)
Country Denmark 15 11.0 Simbo (14)
Originator Simbo 15 10.9 Denmark (14)
Country Latvia 12 8.8 Bino (0),Banknote (9),VIZIA (0),Mogo (1)
Country Armenia 10 7.4 Varks (10)
Originator Banknote 10 7.3 Latvia (9)
Originator Varks 10 7.3 Armenia (10)
Originator Lime Zaim 10 7.3 Russian Federation (9)
Country Albania 9 6.6 IuteCredit (9),Kredo (0)
Originator Dozarplati 9 6.6 Russian Federation (8)

Current Investments by Originator - Overview

SMI - secondary market indicator, indicates that investment was made on secondary market; Originator - loan originator of the loan; Loans - number of loans currently invested in; Inv. Amt. - invested amount; Inv. (%) - share of investments among the entire invested amount; Avg. IR - average interest rate (weighted by remaining term); Avg. Rem. Term - average remaining term; wXIRR - calculated for finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - calculated for finished loans from the same loan originator, difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good). Fin. Loans - number of finished investments for given loan originator

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SMI Originator Loans Inv. Amt. Inv. (%) Avg. IR Avg. Rem. Term wXIRR TwD (bps) Fin. Loans
  IuteCredit 2244 €30,505.00 24.1 12.2 10.9 11.8 75 137
  Kuki 1544 €17,056.00 13.5 12.8 0.7 13.8 92 117
  Simbo 1275 €14,957.00 11.8 12.5 0.8 13.6 58 1007
  Varks 944 €9,987.00 7.9 13.0 0.7 12.9 34 3450
  Dozarplati 682 €8,808.00 7.0 12.3 0.1 12.1 -18 1207
  Banknote 662 €7,870.00 6.2 10.5 12.7 11.1 67 884
  Capital Service 293 €16,104.00 12.7 13.6 21.8 12.2 9 5
  Aasa 203 €1,741.00 1.4 10.0 17.0 10.7 67 128
  Lime Zaim 182 €7,215.00 5.7 13.0 0.0 13.4 41 129
  Mogo 104 €3,900.00 3.1 10.0 15.1 10.9 64 104
  Dinero 66 €1,569.00 1.2 12.7 0.5 11.5 -160 616
  ID Finance 65 €2,869.00 2.3 10.9 12.6 11.6 62 13
  Bino 65 €646.00 0.5 13.4 0.6 14.3 33 396
  ExpressCredit Zambia 51 €856.00 0.7 13.7 2.6 12.7 -76 159
  Monego 48 €480.00 0.4 13.0 0.4 13.1 10 48
  Metrokredit 39 €444.00 0.4 12.6 0.6 14.2 39 35
  Tengo 32 €335.00 0.3 12.5 0.6 13.5 -23 61
  Tigo 13 €161.00 0.1 12.9 1.7 12.0 -23 2
  Kredo 12 €120.00 0.1 13.0 1.0 13.2 23 1
  Mozipo Group 4 €267.00 0.2 12.0 21.8 6.8 -532 1
  Sebo 4 €216.00 0.2 12.5 18.8 12.5 49 2
  VIZIA 3 €117.00 0.1 11.0 19.3 11.2 70 6
  Leaselink 2 €73.00 0.1 10.0 8.0      
  CashCredit 1 €19.00 0.0 11.0 9.0      
  ExpressCredit 1 €88.00 0.1 12.0 15.0      
(SM) ExpressCredit Zambia 2 €20.00 0.0 13.0 0.0 12.7 -76 159
(SM) Banknote 2 €20.00 0.0 12.0 9.0 11.1 67 884
(SM) Mogo 2 €19.00 0.0 12.0 17.5 10.9 64 104
(SM) Creditstar 1 €45.00 0.0 11.0 10.0      
(SM) Capital Service 1 €3.00 0.0 12.0 3.0 12.2 9 5

Finished Investments by Originator - Overview

SMI - secondary market indicator, indicates that investment was made on secondary market; Originator - loan originator of the loan; Loans - number of loans currently invested in; Inv. Amt. - invested amount; Avg Dur. - average (real) duration of investment; wXIRR - calculated for finished loans from the same loan originator, weighted adjusted internal rate of return, weighted by duration of investment and amount of investment; TwD (bps) - calculated for finished loans from the same loan originator, difference to expected rate of return in basis points, e.g. 50 represents 0.5% positive difference (good). C. Loans - number of current investments for given loan originator C. Investment - amount of current investments for given loan originator

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SMI Originator Loans Investment Avg Dur. wXIRR wIR TwD (bps) wXIRR200 wIR200 C. Loans C. Investment
  Bino 396 €4,000.00 18 14.3 14.0 33 14.3 14.0 65 €650.00
  Metrokredit 35 €388.00 17 14.2 13.8 39 14.2 13.8 39 €455.00
  Kuki 117 €1,292.00 19 13.8 12.9 92 13.8 12.9 1544 €17,120.00
  Simbo 1007 €11,038.00 12 13.6 13.0 58 10.9 12.1 1275 €14,957.00
  Tengo 61 €614.00 13 13.5 13.7 -23 13.5 13.7 32 €335.00
  Lime Zaim 129 €6,223.00 14 13.4 13.0 41 13.4 13.0 182 €9,680.00
  Kredo 1 €10.00 12 13.2 13.0 23 13.2 13.0 12 €120.00
  Monego 48 €480.00 13 13.1 13.0 10 13.1 13.0 48 €480.00
  Varks 3450 €59,104.00 16 12.9 12.5 34 12.4 13.0 944 €10,030.00
  ExpressCredit Zambia 159 €2,010.00 23 12.7 13.5 -76 12.7 13.5 51 €894.00
  Sebo 2 €187.00 30 12.5 12.0 49 12.5 12.0 4 €235.00
  Capital Service 5 €347.00 10 12.2 12.1 9 12.1 12.3 293 €16,679.00
  Dozarplati 1207 €16,778.00 13 12.1 12.3 -18 11.3 12.0 682 €8,822.00
  Tigo 2 €60.00 14 12.0 12.3 -23 13.5 13.0 13 €170.00
  IuteCredit 137 €2,498.00 42 11.8 11.1 75 11.8 11.1 2244 €35,029.00
  ID Finance 13 €638.00 46 11.6 11.0 62 11.6 11.0 65 €3,337.00
  Dinero 616 €23,026.00 17 11.5 13.1 -160 12.8 14.0 66 €1,571.00
  VIZIA 6 €122.00 73 11.2 10.5 70 11.2 10.5 3 €136.00
  Banknote 884 €14,801.00 47 11.1 10.4 67 11.0 10.5 662 €9,798.00
  Mogo 104 €2,962.00 33 10.9 10.2 64 10.8 10.3 104 €4,650.00
  Aasa 128 €1,420.00 67 10.7 10.0 67 10.7 10.0 203 €2,205.00
  EBV Finance 420 €11,009.00 50 10.7 10.0 69 10.7 10.0    
  Mozipo Group 1 €100.00 2 6.8 12.1 -532     4 €280.00
(SM) Aasa 3 €94.00 11 14.6 11.5 306 14.6 11.5    
(SM) Simbo 2 €20.00 38 13.7 12.0 172 13.7 12.0    
(SM) Lime Zaim 2 €40.00 36 13.3 13.0 30 13.3 13.0    
(SM) ExpressCredit Zambia 55 €907.00 16 13.1 12.4 69 13.1 12.4 2 €20.00
(SM) Sebo 35 €756.00 18 13.0 12.2 78 13.0 12.2    
(SM) Capital Service 1 €25.00 26 12.9 12.0 87 12.9 12.0 1 €4.00
(SM) Tigo 2 €45.00 29 12.8 12.0 81 12.8 12.0    
(SM) Lendo 6 €218.00 14 12.8 12.0 83 12.8 12.0    
(SM) ExpressCredit 1 €25.00 15 12.8 12.0 82 12.8 12.0    
(SM) Metrokredit 28 €285.00 21 12.7 12.0 67 12.7 12.0    
(SM) Varks 322 €6,073.00 20 12.6 11.7 96 12.2 11.5    
(SM) Tengo 2 €20.00 28 12.4 12.0 40 12.4 12.0    
(SM) Kuki 203 €3,512.00 21 12.4 11.5 91 12.4 11.5    
(SM) Banknote 5 €50.00 95 12.0 12.5 -52 12.0 12.5 2 €28.00
(SM) ID Finance 4 €54.00 16 11.9 11.0 88 11.9 11.0    
(SM) Aforti 1 €35.00 22 11.2 12.0 -79 11.2 12.0    
(SM) Creditstar 3 €155.00 63 11.2 10.5 70 11.2 10.5 1 €50.00
(SM) CashCredit 2 €14.00 31 10.8 12.0 -123 10.8 12.0    
(SM) Watu Credit 1 €10.00 24 10.7 12.0 -129 10.7 12.0    
(SM) Mogo 2 €13.00 43 9.7 12.0 -227 9.7 12.0 2 €22.00
(SM) GetBucks 3 €49.00 7 6.3 11.0 -471 6.3 11.0    
(SM) Dinero 52 €895.00 18 1.2 12.0 -1084 0.7 12.0    

XIRR Difference Structure (%) on finished loans (>10 loans)

SMI Originator < -300 <-100 <-50 <-15 -15,15 >15 >50 >100 >300 > -15 WIR wXIRR TwD cnt
  Bino 10 9 4 7 5 7 19 38 1 71 14.0 14.3 33 396
  Metrokredit 11 9 6 6 3 0 49 17 0 69 13.8 14.2 39 35
  Kuki 3 1 1 3 2 3 17 67 3 91 12.9 13.8 92 117
  Simbo 8 11 5 3 7 5 12 42 5 72 13.0 13.6 58 1007
  Tengo 8 13 18 11 5 16 2 21 3 49 13.7 13.5 -23 61
  Lime Zaim 8 2 9 2 8 22 20 26 2 79 13.0 13.4 41 129
  Monego 6 15 6 8 2 15 44 0 0 65 13.0 13.1 10 48
  Varks 3 12 10 6 20 11 28 10 1 69 12.5 12.9 34 3450
  ExpressCredit Zambia 10 53 3 1 7 9 16 1 0 33 13.5 12.7 -76 159
  Dozarplati 12 13 4 8 6 7 23 24 1 62 12.3 12.1 -18 1207
  IuteCredit 1 0 0 1 1 2 72 20 1 99 11.1 11.8 75 137
  ID Finance 0 8 0 8 0 8 77 0 0 85 11.0 11.6 62 13
  Dinero 16 11 6 3 8 6 27 19 1 63 13.1 11.5 -160 616
  Banknote 0 1 0 0 1 17 60 15 3 98 10.4 11.1 67 884
  Mogo 0 0 0 0 0 7 82 12 0 100 10.2 10.9 64 104
  Aasa 0 0 0 0 0 1 91 7 1 100 10.0 10.7 67 128
  EBV Finance 0 0 0 0 0 2 98 0 0 100 10.0 10.7 69 420
(SM) ExpressCredit Zambia 0 13 4 0 4 5 62 13 0 84 12.4 13.1 69 55
(SM) Sebo 0 0 0 0 11 0 86 3 0 100 12.2 13.0 78 35
(SM) Metrokredit 0 0 0 0 0 39 57 4 0 100 12.0 12.7 67 28
(SM) Varks 1 0 0 1 1 23 43 20 8 98 11.7 12.6 96 322
(SM) Kuki 0 0 1 2 0 38 27 24 8 97 11.5 12.4 91 203
(SM) Dinero 94 0 0 0 2 0 4 0 0 6 12.0 1.2 -1084 52

XIRR Difference on finished loans for top 5 current lenders based on invested amount by lender, term, and IR

loan_originator term stated_ir count avg_t_inv_diff wxirr twd
Banknote 0 10.0 1 91.0 10.4 43
Banknote 180 10.0 106 192.3 10.6 57
Banknote 180 10.2 1 258.0 10.6 38
Banknote 180 10.5 4 261.8 11.0 47
Banknote 360 10.0 93 326.6 10.7 73
Banknote 360 10.2 25 315.3 10.6 37
Banknote 360 10.5 315 340.5 11.2 73
Banknote 360 11.0 1 339.0 11.5 47
Banknote 540 10.0 38 622.6 10.9 86
Banknote 540 10.5 51 592.0 11.2 70
Banknote 540 11.0 3 649.0 11.3 33
Banknote 720 10.0 90 666.6 10.7 70
Banknote 720 10.5 104 665.5 11.3 75
Banknote 720 11.0 49 685.6 11.5 48
Banknote 720 11.5 1 689.0 11.9 35
Banknote 1080 10.5 2 1049.5 11.3 83
Capital Service 540 12.0 4 682.3 12.0 1
Capital Service 540 13.5 1 669.0 14.6 108
Dozarplati 0 12.0 158 1.2 10.6 -138
Dozarplati 0 12.5 7 -1.7 13.3 82
Dozarplati 0 13.0 1 1.0 10.8 -224
Dozarplati 7 12.0 270 0.4 11.0 -104
Dozarplati 7 12.5 51 3.7 12.9 44
Dozarplati 7 13.0 1 10.0 0.0 -1300
Dozarplati 14 12.0 329 3.5 11.1 -88
Dozarplati 14 12.5 108 4.1 12.8 31
Dozarplati 14 13.0 9 8.8 11.4 -159
Dozarplati 21 12.0 44 2.5 11.5 -47
Dozarplati 21 12.5 20 4.4 13.2 70
Dozarplati 21 13.0 1 2.0 13.1 13
Dozarplati 28 12.0 92 8.2 12.4 41
Dozarplati 28 12.5 114 10.2 12.8 33
Dozarplati 28 13.0 2 16.0 12.9 -7
ID Finance 360 11.0 10 312.8 11.6 61
ID Finance 720 11.0 3 676.7 11.6 61
IuteCredit 0 11.0 2 101.0 11.7 69
IuteCredit 0 12.0 1 143.0 12.5 51
IuteCredit 180 11.0 1 302.0 11.9 90
IuteCredit 180 12.0 30 319.3 12.9 94
IuteCredit 180 12.5 22 335.2 13.4 85
IuteCredit 360 10.5 4 412.5 11.2 71
IuteCredit 360 11.0 11 425.3 11.8 77
IuteCredit 360 12.0 14 346.1 13.0 102
IuteCredit 360 12.5 11 343.5 13.4 94
IuteCredit 540 10.5 3 464.7 11.2 69
IuteCredit 540 11.0 18 581.9 11.7 71
IuteCredit 720 11.0 20 638.1 11.7 70
Kuki 0 12.5 1 59.0 0.0 -1250
Kuki 0 13.0 2 20.5 13.9 94
Kuki 7 12.5 1 6.0 0.0 -1250
Kuki 21 13.0 3 5.7 13.5 49
Kuki 21 14.0 1 -10.0 14.9 86
Kuki 28 12.0 2 3.5 11.9 -10
Kuki 28 12.5 2 22.0 11.7 -77
Kuki 28 13.0 96 10.1 14.2 122
Kuki 28 14.0 9 12.7 14.2 20
Lime Zaim 7 13.0 22 1.2 12.9 -8
Lime Zaim 14 13.0 53 4.0 13.4 41
Lime Zaim 21 13.0 7 4.7 13.3 34
Lime Zaim 28 13.0 47 14.1 13.6 56
Mogo 540 10.0 9 554.3 10.6 58
Mogo 720 10.0 31 700.6 10.6 64
Mogo 900 10.0 3 898.0 10.8 77
Mogo 1080 10.0 3 1022.0 10.6 63
Mogo 1080 12.0 57 1093.9 12.7 69
Mogo 1440 10.0 1 1380.0 10.6 64
Simbo 28 12.0 226 24.7 10.8 -124
Simbo 28 13.0 733 14.6 13.8 82
Simbo 28 14.0 48 9.5 14.3 31
Varks 7 11.0 22 -2.1 10.1 -86
Varks 7 11.5 6 -0.2 10.1 -137
Varks 7 12.0 465 -1.5 11.6 -35
Varks 7 13.0 636 -0.1 12.0 -95
Varks 7 14.0 41 0.0 13.0 -99
Varks 14 11.0 24 2.4 11.6 56
Varks 14 11.5 14 -0.4 11.6 5
Varks 14 12.0 170 -1.5 12.0 4
Varks 14 13.0 527 1.0 12.9 -9
Varks 14 13.5 2 1.0 13.5 4
Varks 14 14.0 71 4.2 13.9 -12
Varks 28 11.0 68 9.2 11.8 84
Varks 28 11.5 11 5.9 12.1 55
Varks 28 12.0 632 2.1 12.6 56
Varks 28 13.0 204 14.8 13.5 46
Varks 28 13.5 1 20.0 14.7 118
Varks 28 14.0 556 5.0 14.7 66

Primary market - loan availability (EUR, BBG), Mintos Rating

Amount available for investment in 1,000 EUR.

Term Group Mintos Rating <10% 10% 10.5% 11% 11.5% 12% 12.5% 13% 13.5% 14%
3 A- €1,427.00                  
6 A- €123.00                  
12 A- €2.00                  
24 A- €86.00                  
48 A- €146.00                  
99 A- €44.00                  
3 A/B €7.00                  
6 A/B €77.00                  
12 A/B €184.00                  
24 A/B €631.00 €369.00 €355.00 €8.00 €4.00          
48 A/B €141.00 €835.00 €340.00 €115.00 €62.00          
99 A/B €114.00 €226.00 €2.00 €0.00            
3 B+ €2.00                  
6 B+ €35.00 €2.00 €0.00              
12 B+ €257.00 €1,626.00 €1,344.00 €649.00 €49.00          
24 B+ €80.00 €1,090.00 €981.00 €671.00 €152.00          
48 B+   €96.00 €96.00 €86.00 €27.00          
3 B €676.00 €353.00 €269.00 €237.00 €170.00 €106.00        
6 B €81.00 €45.00 €45.00 €45.00            
12 B €245.00 €968.00 €629.00 €566.00            
24 B €749.00 €982.00 €624.00 €495.00 €93.00 €93.00        
48 B €687.00 €1,882.00 €1,050.00 €1,004.00 €0.00 €0.00        
99 B €29.00 €258.00 €136.00 €136.00            
3 B-   €891.00 €891.00 €877.00 €760.00 €411.00        
6 B-   €4.00 €4.00 €4.00 €4.00 €0.00        
12 B-   €5.00 €5.00 €5.00 €5.00 €5.00        
24 B-   €23.00 €23.00 €23.00 €23.00 €23.00 €8.00      
48 B-   €46.00 €46.00 €46.00 €46.00 €46.00 €25.00      
99 B-   €29.00 €29.00 €29.00 €29.00 €28.00        
3 C+ €4.00 €1,267.00 €1,195.00 €1,125.00 €1,053.00 €1,040.00        
6 C+   €9.00 €9.00 €9.00 €5.00          
12 C+   €5.00 €5.00 €5.00 €5.00          
24 C+ €47.00 €12.00 €12.00 €12.00 €10.00 €10.00 €10.00      
48 C+ €914.00 €40.00 €40.00 €40.00 €40.00 €40.00 €39.00      
99 C+ €1,025.00 €2.00 €2.00 €2.00 €2.00 €2.00 €2.00      
12   €128.00                  
24   €106.00                  
99   €23.00                  

Primary market - loan availability (EUR, BBG), Mintos Rating

Amount available for investment in 1,000 EUR.

Term Group eP2P Score 10.5% 11% 11.5% 12% 12.5% 13% 13.5% 14%
3 80                
3 70                
3 60                
3 50 €31.00 €28.00            
3 40 €242.00 €242.00 €192.00 €192.00        
3 30 €306.00 €270.00 €265.00 €263.00        
3 20 €243.00 €197.00 €92.00 €28.00        
3 10 €1,534.00 €1,502.00 €1,435.00 €1,075.00        
6 80                
6 70                
6 60 €0.00              
6 30                
6 20 €13.00 €13.00 €9.00 €0.00        
6 10 €45.00 €45.00            
12                  
12 80 €345.00 €345.00            
12 70 €1.00              
12 60 €1,344.00 €649.00 €49.00          
12 40                
12 30 €62.00              
12 20 €11.00 €11.00 €10.00 €5.00        
12 10 €221.00 €221.00            
24                  
24 80 €243.00 €189.00            
24 70 €545.00 €125.00 €4.00          
24 60 €992.00 €683.00 €162.00 €10.00 €10.00      
24 50 €8.00 €8.00 €8.00 €8.00        
24 40 €108.00 €106.00 €93.00 €93.00        
24 30 €83.00 €83.00            
24 20 €16.00 €16.00 €16.00 €16.00 €8.00      
48 80 €1,021.00 €996.00            
48 70 €343.00 €117.00 €62.00 €0.00        
48 60 €137.00 €127.00 €67.00 €40.00 €39.00      
48 50 €22.00 €22.00 €22.00 €22.00        
48 40 €26.00 €5.00 €0.00 €0.00        
48 30                
48 20 €25.00 €25.00 €25.00 €25.00 €25.00      
99                  
99 70 €8.00 €6.00            
99 60 €2.00 €2.00 €2.00 €2.00 €2.00      
99 50 €29.00 €29.00 €29.00 €28.00        
99 40 €131.00 €131.00            
99 30                

Primary market - availability by term and highest interest

Amount available for investment in 1,000 EUR.

Term Group Rating Interest Rate Available Loan Originators
3 B 12.0 €106.00 Varks(Av:106€,Sco:18)
3 B- 12.0 €410.00 Kuki(Av:69€,Sco:13),Simbo(Av:27€,Sco:24),Tengo(Av:314€,Sco:13)
3 C+ 12.0 €1,040.00 Cashwagon(Av:263€,Sco:37),Dinero(Av:192€,Sco:41),Metrokredit(Av:585€,Sco:13)
3 B 11.5 €64.00 Varks(Av:64€,Sco:18)
3 B- 11.5 €349.00 Bino(Av:251€,Sco:15),EuroOne(Av:13€,Sco:16),Kuki(Av:32€,Sco:13),Sebo(Av:7€,Sco:21),Simbo(Av:45€,Sco:24)
3 C+ 11.5 €12.00 Kredo(Av:1€,Sco:26),Monego(Av:1€,Sco:39),Tigo(Av:10€,Sco:26)
3 B 11.0 €66.00 Peachy(Av:4€,Sco:17),Varks(Av:61€,Sco:18)
3 B- 11.0 €116.00 Dozarplati(Av:25€,Sco:56),ExpressCredit Zambia(Av:2€,Sco:53),Rapicredit(Av:49€,Sco:40),Sebo(Av:38€,Sco:21)
6 B- 11.5 €3.00 Sebo(Av:3€,Sco:21)
6 C+ 11.5 €5.00 Tigo(Av:5€,Sco:26)
6 B 11.0 €44.00 Peachy(Av:44€,Sco:17)
6 C+ 11.0 €3.00 Tigo(Av:3€,Sco:26)
6 B+ 10.0 €2.00 IuteCredit(Av:2€,Sco:69)
6 B+ 9.5 €13.00 IuteCredit(Av:13€,Sco:69)
6 B+ 9.0 €17.00 IuteCredit(Av:17€,Sco:69)
6 B 9.0 €81.00 CashCredit(Av:14€,Sco:35),ID Finance(Av:66€,Sco:82)
12 B- 12.0 €5.00 Sebo(Av:5€,Sco:21)
12 B+ 11.5 €48.00 IuteCredit(Av:48€,Sco:69)
12 C+ 11.5 €5.00 Tigo(Av:5€,Sco:26)
12 B+ 11.0 €600.00 IuteCredit(Av:600€,Sco:69)
12 B 11.0 €566.00 ID Finance(Av:345€,Sco:82),Peachy(Av:220€,Sco:17)
12 B+ 10.5 €694.00 IuteCredit(Av:694€,Sco:69)
12 B 10.5 €63.00 Creditstar(Av:0€,Sco:74),Watu Credit(Av:62€,Sco:35)
12 B+ 10.3 €35.00 IuteCredit(Av:35€,Sco:69)
24 B- 12.5 €8.00 Sebo(Av:8€,Sco:21)
24 C+ 12.5 €10.00 Capital Service(Av:10€,Sco:65)
24 B 12.0 €93.00 Getbucks(Av:93€,Sco:46)
24 B- 12.0 €15.00 ExpressCredit(Av:7€,Sco:53),Sebo(Av:7€,Sco:21)
24 A/B 11.5 €3.00 Mogo(Av:3€,Sco:73)
24 B+ 11.5 €152.00 IuteCredit(Av:152€,Sco:69)
24 B 11.1 €5.00 CashCredit(Av:5€,Sco:35)
24 A/B 11.0 €4.00 Mogo(Av:4€,Sco:73)
48 B- 12.5 €24.00 Sebo(Av:24€,Sco:21)
48 C+ 12.5 €39.00 Capital Service(Av:39€,Sco:65)
48 B- 12.0 €21.00 ExpressCredit(Av:5€,Sco:53),ExpressCredit Zambia(Av:15€,Sco:53)
48 A/B 11.5 €61.00 Mogo(Av:61€,Sco:73)
48 B+ 11.5 €27.00 IuteCredit(Av:27€,Sco:69)
48 A/B 11.0 €53.00 Mogo(Av:53€,Sco:73)
48 B+ 11.0 €58.00 IuteCredit(Av:58€,Sco:69)
48 B 11.0 €1,003.00 Creamfinance(Av:0€,Sco:60),Creditstar(Av:2€,Sco:74),GetBucks(Av:4€,Sco:46),ID Finance(Av:995€,Sco:82)
99 C+ 12.5 €2.00 Capital Service(Av:2€,Sco:65)
99 B- 12.0 €27.00 ExpressCredit(Av:27€,Sco:53)
99 B- 11.5 €1.00 ExpressCredit(Av:1€,Sco:53)
99 B 11.0 €136.00 Creditstar(Av:5€,Sco:74),GetBucks(Av:130€,Sco:46)
99 A/B 10.5 €1.00 Mogo(Av:1€,Sco:73)
99 A/B 10.0 €223.00 Mogo(Av:223€,Sco:73)
99 B 10.0 €121.00 GetBucks(Av:121€,Sco:46)
99 A/B 9.5 €1.00 Mogo(Av:1€,Sco:73)