ProCredit Bank

Misiunea noastra ProCredit Bank este o banca orientata spre dezvoltare care ofera un pachet complex de produse si servicii. In activitatea noastra de creditare, ne axam pe finantarea microintreprinzatorilor, intreprinderilor mici si mijlocii, fiind convinsi ca acest sector detine cel mai mare numar de locuri de munca si contribuie esential la dezvoltarea economiei. Banca evita afacerile cu grad inalt de risc si ofera imprumuturi mari doar in cazuri exceptionale, minimizand astfel riscul asociat creditarii. Actionarii nostri – institutii financiare internationale renumite – pornesc de la premisa rentabilitatii investitiei, maximizarea profitului pe termen scurt nefiind scopul lor principal. Noi investim intensiv in pregatirea angajatilor pentru a asigura o atmosfera de lucru placuta si eficienta si pentru a oferi servicii personalizate si profesioniste clientilor nostri.

Viziunea

Suntem ferm convinsi ca microintreprinzatorii, intreprinderile mici si mijlocii (IMM) reprezinta sectorul cu cele mai bune perspective de viitor din economia romaneasca in privinta potentialului de crestere si a crearii de locuri de munca. In plus, din punct de vedere politic, dezvoltarea acestui sector stimuleaza evolutia clasei de mijloc care detine rolul de stabilizator in societate. Obiectivul nostru este sa sprijinim dezvoltarea IMM-urilor oferindu-le servicii special concepute pentru necesitatile acestora. Dorim sa devenim un partener de incredere care ofera o gama complexa de resurse financiare sectorului privat si care dezvolta impreuna cu clientii relatii ferme si durabile bazate pe incredere reciproca, angajament si cooperare. Avem convingerea ca fiind o institutie viabila si, in acelasi timp, furnizand servicii excelente clientilor, ProCredit Bank va contribui semnificativ la dezvoltarea sectorului privat din Romania.

ProCredit Bank

PRESS RELEASE MIRO Bank becomes ProCredit Bank.
We are happy to announce the news that
starting with 9th of December 2004, Micro Finance Bank
MIRO S.A. will become ProCredit Bank.
MIRO Bank has been proud to serve Romanian enterprises for the last two and a half years as the only bank in Romania specialized in providing the full range of financial services to the so far neglected SME sector. Today, more than 22,600 customers have made MIRO Bank their financial partner of choice. Through a network of 9 branches and agencies throughout the country, MIRO Bank has provided crucial financing to its clients by disbursing more than 15,000 loans with a volume of more than EUR 75,000,000. Micro Finance Bank MIRO S.A. belongs to a group of 18 target group-oriented financial institutions in Southeastern Europe, Latin America, Central America and Africa, most of which now operate under the name “ProCredit Bank”. With more than 5,700 employees in 275 branches, ProCredit Institutions serve 650,000 customers – including more than 375,000 borrowers – and have a combined balance-sheet total of about EUR 1.3 billion. The ProCredit institutions are majority-owned by the same group of strong international shareholders which includes: EBRD, Commerzbank, KfW, IFC, FMO and IMI. As a sign of the commitment of our shareholders to the region and to the growing integration of the banks, MIRO is now proud to join its sister banks world-wide by rebranding under one name and one logo:

The new logo, the colorful globe reveals the international presence of ProCredit Banks and the variety of markets they have profound knowledge and expertise on. Under its new name, ProCredit Bank will continue to offer outstanding customer service to its clients and to serve as the leading provider of fast, flexible and reliable financial partner for Romania’s smallest enterprises. In this respect, ProCredit Bank will ensure its ongoing committment to support sustainable SME growth and employment within the SME sector. ProCredit Bank signed as of today, December 09, a EUR 6,000,000 loan agreement with KfW. The funds will be used for financing Romanian micro enterprises and SMEs. Furthermore, in December, ProCredit Bank is announcing a EUR 2 million capital increase. Internationale Micro Investitionen AG (IMI) will invest EUR 1,500,000 in ProCredit Bank’s social capital and Commerzbank AG EUR 500,000. This fact proves our shareholders’ trust in the bank’s future on this market and in the ascendant evolution of the Romanian economy.
ProCredit Bank 09-12-2004

ProCredit Bank

Moneda
In LEI pana la echivalentul a 2.500 EUR

Beneficiari potentiali:

  • persoane fizice autorizate
  • asociatii familiale
  • liber-profesionisti
  • societati comerciale cu cel putin 3 luni de activitate in productie, comert sau servicii
Termen

Rambursare: rate lunare egale

Garantii: Fara obligativitatea unei garantii imobiliare

Valoarea ratelor de rambursat in functie de suma si termenul imprumutului o puteti afla folosind calculatorul de mai jos (informativ)

ProCredit Bank

Loan Amount
in ROL up to equivalent of 2.500 EUR

Target Group:

  • authorized physical persons
  • family associations
  • freelancers
  • companies having at least 3 months of business experience.
Maturity period

Repayment: equal monthly instalments (principal+interest)

Guarantees: No mortgage required

Using the calculator provided below, you can easily compute the amount of the monthly installments based on the loan amount and maturity period of the loan (informative)

ProCredit Bank

Activitatea noastra principala este sa oferim suport financiar societatilor micro, mici si mijlocii, inclusiv persoanelor fizice autorizate, liberilor profesionisti, asociatiilor familiale, SRL-urilor si altor tipuri de afaceri. Utilizand o tehnologie de creditare special conceputa pentru necesitatile clientilor nostri, dorim sa stabilim noi standarde ale politicii de microfinantare din Romania. Banca noastra furnizeaza nu numai produse de creditare, dar si o gama larga de servicii financiare, precum servicii de plati rapide si alternative de investitii sigure, indiferent de marimea sumei pe care clientii nostri decid sa ne-o incredinteze.

ProCredit Bank – Experienta in serviciul tau!

ProCredit Bank

 
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Lista activitatilor excluse finantarii privind mediul inconjurator

  • Productia sau activitatile care implica munca fortata sau forme de exploatare fizica a persoanelor1/forma de munca daunatoare copiilor2;
  • Productia, comertul sau orice activitati cu produse considerate ilegale in Romania sau de catre reglementarile sau conventiile internationale.
  • Productia de arme si munitii sau comertul cu arme si munitii.3
  • Productia si comercializarea de bauturi alcoolice (altele decat berea si vinul)
  • Jocurile de noroc, cazinourile si activitatile similare.3
  • Comertul cu flora, fauna sau produse obtinute din exploatarea acestora reglementate prin Conventia asupra Comertului International cu Specii in Pericol apartinand Faunei si Florei Salbatice (CITES).
  • Productia sau comertul cu materiale radioactive.4
  • Productia sau comertul cu fibre de azbest neaglomerate sau activitati care implica utilizarea acestora.5
  • Productia sau comertul de/cu lemn sau produse forestiere provenite din padurile exploatate nesistematizat.
  • Productia sau comertul de/cu produse care contin fenilbenzenuri policlorurate.6
  • Productia, comertul, depozitarea sau transportul unor cantitati semnificative de substante chimice periculoase sau utilizarea in scop comercial a substantelor chimice periculoase.7
  • Productia sau comertul de/cu produse farmaceutice care sunt supuse excluderilor si interdictiilor internationale.8
  • Productia sau comertul de/cu pesticide/ierbicide care sunt supuse excluderilor si interdictiilor internationale.9
  • Productia sau comertul de/cu substante chimice care dauneaza stratului de ozon si care sunt supuse excluderilor internationale.10
  • Pescuitul cu plasa in mediul marin folosind plase care depasesc 2,5 km in lungime;
  • Productia sau activitatile care se extind asupra pamantului detinut sau care este revendicat de populatia indigena fara acordul documentat al acestor populatii.

1 Munca fortata inseamna orice munca sau serviciu care nu este prestat voluntar, care este obtinut de la persoana cu forta sau prin amenintarea cu pedeapsa.
2 Formele de munca daunatoare copiilor insemna fie angajarea in munca ce exploateaza copii din ratiuni economice, fie angajarea in munca care pune in pericol sau intervine negativ in educatia copilului, dauneaza sanatatii fizice, mentale, spirituale, morale sau evolutiei sociale a copilului.
3 Aceasta interdictie nu se aplica finantatorilor de subproiecte care nu sunt adanc implicati in aceste activitati. „Adanc implicati” inseamna ca activitatea respectiva este auxiliara activitatii de baza a finantatorului de subproiect.
4 Nu se aplica achizitionarii de echipamente medicale, echipamente pentru controlul ( masurarea) calitatii si orice echipament la care IFC considera ca exista surse radioactive nesemnificative si/sau protejate in mod corespunzator.
5 Nu se aplica in cazul achizitionarii si utilizarii de placi de ciment cu azbest in combinatii in care continutul de azbestul este < 20%.
6 Fenilbenzenuri policlorurate: o grupa de substante chimice extrem de periculoase folosite pentru transformatoarele electrice cu ulei, in condensatoarele si in comutatoarele electrice fabricate intre anii 1950-1985.
7 O lista a substantelor chimice periculoase este disponibila la Departamentul Mediu Inconjurator. Din categoria substantele chimice periculoase fac parte gazolina, kerosenul si alte produse petroliere.
8 O lista a produselor farmaceutice retrase din uz sau interzise este disponibila la Departamentul Mediu Inconjurator.
9 O lista a pesticidelor si ierbicidelor retrase din uz sau interzise este disponibila la Departamentul Mediu Inconjurator.
10 Substante care distrug stratul de ozon: compusi chimici care reactioneaza cu si distrug stratul de ozon producand asa numitele “gauri de ozon”. Protocolul de la Montreal prezinta lista acestor substante si conditiile de reducere precum si datele de excludere. O lista a compusilor chimici care intra sub incidenta Protocolului de la Montreal si care cuprinde aerosoli, agenti de racire, agenti spumanti / de expandare, solventi, agenti ignifugi, precum si detalii privind tarile semnatare si datele propuse pentru retragerea / interzicerea acestor substante, este disponibila la Departamentul Mediu Inconjurator.

ProCredit Bank

Our core business is to provide financing support to micro entrepreneurs as well as small and medium enterprises (SME), including physical authorized persons, family associations, SRL and other types of business activities. Applying a unique credit technology precisely tailored to the needs of our target group we aim to set new standards in business lending in Romania. Additionally, we offer loans for housing and renovation purposes to physical persons. As a full service bank we also provide a wide range of financial services, for example fast and reliable payment services and safe investment options – no matter how small the amounts our customers wish to entrust to us.

ProCredit Bank – Experience in your service!

ProCredit Bank

Mission Statement ProCredit Bank Romania is a development-oriented full-service bank. We offer excellent customer service and a wide range of banking products. In our loan operations, we focus on lending to micro, small and medium-sized enterprises, as we are convinced that these businesses create the largest number of jobs and make a vital contribution to the economies in which they operate. Our bank explicitly avoids all speculative lines of business and issues large loans only in exceptional cases, thus minimising the risk associated with such activities. Our shareholders – most of whom are major, well-established international institutions – expect a sustainable return on investment, but are not primarily interested in short-term profit maximisation. We invest extensively in the training of our staff in order to create an enjoyable and efficient working atmosphere, and to provide the friendliest and most competent service possible for our customers.

Vision

We are convinced that micro entrepreneurs and small and medium-sized enterprises (SME) are the most promising sector of the Romanian economy in terms of growth rates and job creation. Moreover, politically, the development of this sector helps to foster the middle class which usually plays a stabilising role in society. Our aim is to support the development of SME by providing them with financial services that are tailored to the specifics of their operating environment. We envision to become a reliable partner for businesses in all financial matters and to develop together with our customers strong and lasting relationships based on mutual trust, commitment and co-operation. We strongly believe that by ensuring the reliability and sustainability of our bank and at the same time providing excellent customer service we will have a significant impact on the development of private enterprises in Romania.

Miro Bank

Cecul este un ordin scris completat catre o banca prin care se ordona bancii sa efectueze plata imediata a unei anumite sume de bani catre o anumita persoana desemnata (beneficiar).

Fiecare cec trebuie sa contina urmatoarele:

  • data
  • suma
  • beneficiarul (persoana care incaseaza cecul)
  • ordonatorul (persoana care ordona plata)
  • tragatorul (banca la care se trage cecul)
  • semnatura (pe fata cecului)
  • stampila, cand este cazul

Miro Bank

Activitatea noastra principala este sa oferim suport financiar societatilor micro, mici si mijlocii, inclusiv persoanelor fizice autorizate, liberilor profesionisti, asociatiilor familiale, SRL-urilor si altor tipuri de afaceri. Utilizand o tehnologie de creditare special conceputa pentru necesitatile clientilor nostri, dorim sa stabilim noi standarde ale politicii de microfinantare din Romania. Banca noastra furnizeaza nu numai produse de creditare, dar si o gama larga de servicii financiare, precum servicii de plati rapide si alternative de investitii sigure, indiferent de marimea sumei pe care clientii nostri decid sa ne-o incredinteze.

Miro Bank – Partenerul Dezvoltarii Tale