more information, less risk™
| Question: - |
Considering that in Kyrgyzstan loans are made in amounts up to $2,000,000, as a banker, wouldn't you pay less than $1 to protect you and your shareholders against default? |
| Fact: - |
Global experience shows that membership results in an 8% decrease in default rates. |
Ishenim member banks benefits from:
- minimization of risk in lending to individuals and companies;
- greater compliance with international standards for risk assessment, including Basel II;
- an enhanced ability to set appropriate credit limits for customers;
- more efficient processing of loan applications;
- deterrence against problem clients and "serial borrowers" securing additional loans from other sources, which helps to secure repayment;
- via our optional "kolokol" monitoring service, automatic notification when a current loan holder attempts to receive or obtains credits from other sources; and
- due to the reduction in bad credits, the capacity to lend at competitive rates relative to non-member institutions; and
- ultimately, increased profitability