The survey found that Vietcombank, BIDV, and Vietinbank are the top 3 most well-known consumer loan service providers in Vietnam. Word-of-mouth and salesman consultations are the main sources of brand awareness. Home Credit (PPF) has the largest market share of Vietnam's consumer loan industry. The simple registration procedure is the main reason for choosing consumer loan services. Offering more promotion programs could make customers happier with their provider. Most users take out installment loans of 12 months or less and borrow between $250-1000 per transaction.
After a period of strong loan book growth during 2013-2017, Vietnam has witnessed a slowdown - the national loan book grew by 14% in 2018 compared to 18% in 2017. Concerns about aggressive lending practices, and the possible risk in the real estate and non-production sectors have resulted in a tightening of regulations by the State Bank of Vietnam (SBV). Additionally, the focus was on resolving the legacy bad debt with the resulting non-performing loans ratio (NPL) at only 1.89% by YE2018. Considering these events, the SBV also set a modest target of 14% YoY credit growth for 2019.
The strongest driver for credit growth, the consumer finance market, has been maturing after several years of exponential growth. In 2018, CF increased its contribution to the national loan book, at 19.7%, compared to 16.7% in 2017. At the same time, although the market has been growing at 59% YoY for the last five years, in 2018, the overall growth registered at 30.4%. The slowdown is attributed to the market’s development, growing from a larger base, the increasing exposure to real estate loans, as well as the saturation of some of CF key products such as installment loans for home appliances and consumer electronics.
Download pdf here: https://bit.ly/2RDrUm3
Vietnam’s consumer finance (CF) market (by commercial banks & FinCos) has dipped to low double-digit growth (10.7%YoY, 2020) after a year of hardship. However, despite the headwinds, Vietnam CF managed to secure over 20% of the country loan book.
The unprecedented COVID-19 outbreak accelerated the following key trends in the CF market:
The pandemic prompted the acceleration of the digital transformation of customer journey amongst FinCos
The launch of mobile money and the booming of digital payment brought both challenges and opportunities for FinCos, especially their credit card business
M&A emerged as the game-changer to foster future growth given the strong growth potential of the CF market and the Government’s policies that support sector consolidation and expansion of FinCos to repel black credit market.
Download FULL report: https://bit.ly/vietnam-consumer-finance-report-2021
FiinResearch - Consumer Finance in Vietnam First-half 2021 ReviewFiinGroup JSC
This Consumer Finance Report provides in-depth analysis of market share and financial performance amongst key players, the development of each product segment, prominent product trends as well as new market entrants’ movements
The consumer finance market of Vietnam has not yet recovered from the COVID-19 shock. The market expanded by 7% YTD in 1H2021, mainly driven by banks, as FinCos’s were hit harder due to massive closure of POS network following lock-down and social distancing orders in many cities and provinces.
Download FULL report: https://bit.ly/Consumer-Finance-Vietnam-1H2021
This is the third half-year version in addition to the full-year review report series for Vietnam Consumer Finance Market. Our report provides updated information with emphasis on in-depth analysis of market share and financial performance amongst key players, the development of each product segment, prominent product trends as well as new market entrants’ movements.
FULL Report: https://fiinresearch.vn/Store/ReportDetails?id=149705
Consumer Finance in Vietnam - First-Half 2020 ReviewFiinGroup JSC
Consumer finance in Vietnam, 1H2020 review
For the first time in a decade, Vietnam consumer finance market experienced a single-digit growth rate (9.2% YoY in the first half of 2020), following aggressive credit growth over the past few year. This is attributed to the dual challenge posed by COVID-19 pandemic and tightening regulations on cash loans disbursement prescribed at Circular 18/2019. However, despite the modest growth rate, Vietnam consumer finance maintained a contribution of over 20% of the country loan book.
Access our FULL Report at: http://fiinresearch.vn/Reports/21597-consumer-finance-in-vietnam-first-half-2020-review--.html
#consumerfinance #fincos #vietnam #marketresearch #industryreport #1H2020 #FiinGroup #FiinResearch
After a period of strong loan book growth during 2013-2017, Vietnam has witnessed a slowdown - the national loan book grew by 14% in 2018 compared to 18% in 2017. Concerns about aggressive lending practices, and the possible risk in the real estate and non-production sectors have resulted in a tightening of regulations by the State Bank of Vietnam (SBV). Additionally, the focus was on resolving the legacy bad debt with the resulting non-performing loans ratio (NPL) at only 1.89% by YE2018. Considering these events, the SBV also set a modest target of 14% YoY credit growth for 2019.
The strongest driver for credit growth, the consumer finance market, has been maturing after several years of exponential growth. In 2018, CF increased its contribution to the national loan book, at 19.7%, compared to 16.7% in 2017. At the same time, although the market has been growing at 59% YoY for the last five years, in 2018, the overall growth registered at 30.4%. The slowdown is attributed to the market’s development, growing from a larger base, the increasing exposure to real estate loans, as well as the saturation of some of CF key products such as installment loans for home appliances and consumer electronics.
Download pdf here: https://bit.ly/2RDrUm3
Vietnam’s consumer finance (CF) market (by commercial banks & FinCos) has dipped to low double-digit growth (10.7%YoY, 2020) after a year of hardship. However, despite the headwinds, Vietnam CF managed to secure over 20% of the country loan book.
The unprecedented COVID-19 outbreak accelerated the following key trends in the CF market:
The pandemic prompted the acceleration of the digital transformation of customer journey amongst FinCos
The launch of mobile money and the booming of digital payment brought both challenges and opportunities for FinCos, especially their credit card business
M&A emerged as the game-changer to foster future growth given the strong growth potential of the CF market and the Government’s policies that support sector consolidation and expansion of FinCos to repel black credit market.
Download FULL report: https://bit.ly/vietnam-consumer-finance-report-2021
FiinResearch - Consumer Finance in Vietnam First-half 2021 ReviewFiinGroup JSC
This Consumer Finance Report provides in-depth analysis of market share and financial performance amongst key players, the development of each product segment, prominent product trends as well as new market entrants’ movements
The consumer finance market of Vietnam has not yet recovered from the COVID-19 shock. The market expanded by 7% YTD in 1H2021, mainly driven by banks, as FinCos’s were hit harder due to massive closure of POS network following lock-down and social distancing orders in many cities and provinces.
Download FULL report: https://bit.ly/Consumer-Finance-Vietnam-1H2021
This is the third half-year version in addition to the full-year review report series for Vietnam Consumer Finance Market. Our report provides updated information with emphasis on in-depth analysis of market share and financial performance amongst key players, the development of each product segment, prominent product trends as well as new market entrants’ movements.
FULL Report: https://fiinresearch.vn/Store/ReportDetails?id=149705
Consumer Finance in Vietnam - First-Half 2020 ReviewFiinGroup JSC
Consumer finance in Vietnam, 1H2020 review
For the first time in a decade, Vietnam consumer finance market experienced a single-digit growth rate (9.2% YoY in the first half of 2020), following aggressive credit growth over the past few year. This is attributed to the dual challenge posed by COVID-19 pandemic and tightening regulations on cash loans disbursement prescribed at Circular 18/2019. However, despite the modest growth rate, Vietnam consumer finance maintained a contribution of over 20% of the country loan book.
Access our FULL Report at: http://fiinresearch.vn/Reports/21597-consumer-finance-in-vietnam-first-half-2020-review--.html
#consumerfinance #fincos #vietnam #marketresearch #industryreport #1H2020 #FiinGroup #FiinResearch
Social media is the information hub for Vietnamese and many brands take it as the trigger to promote their products. This survey reveals the current consumer behaviors as to online / social medias as well as consumers’ reactions to their marketing
This survey was conducted among 860 samples of 18-47 years old in May 2019.
Trong khi khối lượng hàng tiêu dùng nhanh (FMCG) tăng ở một số danh mục và khu vực, việc tăng giá bán sẽ siết chặt ngân sách chi tiêu của người tiêu dùng vào năm 2023.
This is the consolidated report summarizing the public information as to Vietnam economy. The report is the summary of
Vietnam retail sales data (MPI)
Vietnam consumer price index data (MPI)
Vietnam core inflation data (MPI)
Vietnam import amount data from (MPI)
Vietnam export amount data from (MPI)
Number of newly registered company data (National Business Registration Portal)
Vietnam unemployment ratio data (MPI)
Vietnam car sales trend data (VAMA)
Vietnam motorbike sales trend (VAMM)
International visitors to Vietnam data (MPI)
This report was updated in January 2022.
Vietnam consumes beer the most among SEA countries. We looked into the reality of drinking beer in Vietnam:
-93% Vietnamese drink alcohol and beer is the most common (95%)
-Heineken (90%), 333 (80%), Tiger (81%) are the top 3 brands in terms of the recognition and consumption. Heineken is considered to have the best quality.
-Beer with ice (82%) is much more popular than the one without (4%).
-Heineken is known as good flavor (61%) whereas 333 is known as strong (37%).
-Female mostly choose can beer (51%) while this ratio is lower with male (38%). Cans are favorable due to the convenience to carry. Bottles are popular due to the price.
Statistic data as to the number of retail shops in Vietnam. The document covers the number of retails in the respective segment among HCM, Hanoi and others
Vietnam consumer product distribution still rely largely on the traditional channels. These family-oriented stores are the sales channel for many for the diaries, lifestyle products and so on.
The channel management for these stores are largely based on the human-effort. However, we came to see the signs of the changes with the use of technology.
This report covers the technology usages in these traditional channel distributions and analyze their potentialities and obstacles.
This report was made on March, 2021.
Vietnamese is said to love cash, and you would find the safety box shops everywhere. How much do they earn? How do they save it? Q&Me runs the survey about their money saving situation
Music is one of the most popular entertainment for Vietnamese, especially among the youth. The options to listen to music becomes more versatile thanks to the better network connections.
This survey was made in order to understand Vietnamese music listening behaviors.
This survey was conducted among 1500 respondents who are 18 – 44 years old nationwide.
Vietnam overcame the severe lockdown and social distance policy to go into the living of “with corona”. The restrictions in terms of transportation or business operation gradually came back to normal.
This survey was made with an intention to understand Vietnamese behaviors and opinions toward Tet, the first annual ceremony after the severe social distancing.
This survey was conducted among male and female of 18 - 49 years old of 650 respondents in November 2021.
Vietnam’s retail store landscape has changed drastically. Although there are more modern trade stores, we see the turmoil as some increased their store numbers while others face restructurings. This report illustrate the number of stores counted from the information at each website.
The store counting is as of March, 2020.
Vietnam Consumer Finance Report 2020: Challenges and opportunities for getting ahead
The 2019 has been particularly eventful, with the revival of at least two previously inactive FinCos to the market (PTFinance, FCCOM), putting pressure on the market shares of the incumbents. CF increased its contribution to national loan book to 20.5% in 2019, up from the 19.6% in 2018. Given the current market size, CF penetration in Vietnam is currently considered slow compared to its regional peers, signifying an attractive growth prospect.
Assess to our FULL REPORT: http://fiinresearch.vn/Reports/20AA1-vietnam-consumer-finance-report-2020-.html
Social media is the information hub for Vietnamese and many brands take it as the trigger to promote their products. This survey reveals the current consumer behaviors as to online / social medias as well as consumers’ reactions to their marketing
This survey was conducted among 860 samples of 18-47 years old in May 2019.
Trong khi khối lượng hàng tiêu dùng nhanh (FMCG) tăng ở một số danh mục và khu vực, việc tăng giá bán sẽ siết chặt ngân sách chi tiêu của người tiêu dùng vào năm 2023.
This is the consolidated report summarizing the public information as to Vietnam economy. The report is the summary of
Vietnam retail sales data (MPI)
Vietnam consumer price index data (MPI)
Vietnam core inflation data (MPI)
Vietnam import amount data from (MPI)
Vietnam export amount data from (MPI)
Number of newly registered company data (National Business Registration Portal)
Vietnam unemployment ratio data (MPI)
Vietnam car sales trend data (VAMA)
Vietnam motorbike sales trend (VAMM)
International visitors to Vietnam data (MPI)
This report was updated in January 2022.
Vietnam consumes beer the most among SEA countries. We looked into the reality of drinking beer in Vietnam:
-93% Vietnamese drink alcohol and beer is the most common (95%)
-Heineken (90%), 333 (80%), Tiger (81%) are the top 3 brands in terms of the recognition and consumption. Heineken is considered to have the best quality.
-Beer with ice (82%) is much more popular than the one without (4%).
-Heineken is known as good flavor (61%) whereas 333 is known as strong (37%).
-Female mostly choose can beer (51%) while this ratio is lower with male (38%). Cans are favorable due to the convenience to carry. Bottles are popular due to the price.
Statistic data as to the number of retail shops in Vietnam. The document covers the number of retails in the respective segment among HCM, Hanoi and others
Vietnam consumer product distribution still rely largely on the traditional channels. These family-oriented stores are the sales channel for many for the diaries, lifestyle products and so on.
The channel management for these stores are largely based on the human-effort. However, we came to see the signs of the changes with the use of technology.
This report covers the technology usages in these traditional channel distributions and analyze their potentialities and obstacles.
This report was made on March, 2021.
Vietnamese is said to love cash, and you would find the safety box shops everywhere. How much do they earn? How do they save it? Q&Me runs the survey about their money saving situation
Music is one of the most popular entertainment for Vietnamese, especially among the youth. The options to listen to music becomes more versatile thanks to the better network connections.
This survey was made in order to understand Vietnamese music listening behaviors.
This survey was conducted among 1500 respondents who are 18 – 44 years old nationwide.
Vietnam overcame the severe lockdown and social distance policy to go into the living of “with corona”. The restrictions in terms of transportation or business operation gradually came back to normal.
This survey was made with an intention to understand Vietnamese behaviors and opinions toward Tet, the first annual ceremony after the severe social distancing.
This survey was conducted among male and female of 18 - 49 years old of 650 respondents in November 2021.
Vietnam’s retail store landscape has changed drastically. Although there are more modern trade stores, we see the turmoil as some increased their store numbers while others face restructurings. This report illustrate the number of stores counted from the information at each website.
The store counting is as of March, 2020.
Vietnam Consumer Finance Report 2020: Challenges and opportunities for getting ahead
The 2019 has been particularly eventful, with the revival of at least two previously inactive FinCos to the market (PTFinance, FCCOM), putting pressure on the market shares of the incumbents. CF increased its contribution to national loan book to 20.5% in 2019, up from the 19.6% in 2018. Given the current market size, CF penetration in Vietnam is currently considered slow compared to its regional peers, signifying an attractive growth prospect.
Assess to our FULL REPORT: http://fiinresearch.vn/Reports/20AA1-vietnam-consumer-finance-report-2020-.html
Improving the Small Business Customer ExperienceBredin, Inc.
How much do small business owners (SBOs) trust different industries, including financial services such as banking and alternative lending? What do small businesses want from the bank relationship? What are banks doing well, and what can they do better, to improve the customer experience – and as a result, acquisition, retention and cross-sell? What kinds of credit are SBOs using – or do they plan to use – from banks and alternative lenders? How are SBO attitudes towards, and planned usage of, alternative lenders evolving?
To answer these questions, we recently surveyed 500 U.S. SBOs. There are some great learnings on what SBOs value in a lender relationship, and what you can do to enhance it.
• The SBO 2019 business outlook
• SBO trust in 26 different industries, from alternative lenders to wireless service providers
• SBO awareness of and trust in 28 leading banks and over 50 alternative lenders
• Bank and alternative lender industry Net Promoter Scores
• What SBOs want in a bank relationship
• Where banks are under- and over-performing against SBO preferences
• Current use and providers of credit products – including business credit cards, savings and checking accounts, loans, LOCs, factoring and MCAs
• Planned use and potential providers of credit products
• How SBO attitudes towards alternative lenders have changed
• SBO preferred contact media
• SBO usage of and satisfaction with banking apps and events
• The impact of content marketing on bank brand perception, loyalty and upsell
• How to boost awareness and trust via content marketing
You’ll get valuable insights to put to work right away in your SBO customer experience and content marketing plans.
Banking professionals can now take advantage of our well-structured and subject-oriented Online Banking PowerPoint Presentation Slides. This electronic banking PPT theme helps you to showcase the obstacles faced by the banking sector that still operates offline. Further, present the problem statement through financial impact, projected revenue, and competition benchmark using our E-banking PowerPoint template. Get access to key stats on online banking, and customer channel preference to present a convincing web banking PPT presentation. Elucidate retail, corporate, or any other online banking type through this easy-to-understand internet banking PowerPoint theme. The digital banking PPT template deck helps you illustrate the leading players in the industry along with the services they offer. This E-banking PowerPoint presentation helps you convey the federal rules and regulations concerning online banking to your audience. Web banking PPT deck helps you in highlighting the implementation process. You can easily explain E-banking software providers, workforce training, costing, and integration with E-commerce platforms. https://bit.ly/30uZUqH
Online payment (79%), Shopping abroad (65%), Pay for utility (63%) are top 3 things appropriate for using credit card
Find more at: http://di-onlinesurvey.com/
"You can download this product from SlideTeam.net"
Banking professionals can now take advantage of our well-structured and subject-oriented Online Banking PowerPoint Presentation Slides. This electronic banking PPT theme helps you to showcase the obstacles faced by the banking sector that still operates offline. Further, present the problem statement through financial impact, projected revenue, and competition benchmark using our E-banking PowerPoint template. Get access to key stats on online banking, and customer channel preference to present a convincing web banking PPT presentation. Elucidate retail, corporate, or any other online banking type through this easy-to-understand internet banking PowerPoint theme. The digital banking PPT template deck helps you illustrate the leading players in the industry along with the services they offer. This E-banking PowerPoint presentation helps you convey the federal rules and regulations concerning online banking to your audience. Web banking PPT deck helps you in highlighting the implementation process. You can easily explain E-banking software providers, workforce training, costing, and integration with E-commerce platforms. https://bit.ly/3dvgPPv
Presentation from HIMSS17 shares introductory findings from Navicure's first Patient Payment Check-Up™. Conducted by HIMSS Analytics and fielded in January 2017, the national survey reveals key differences in attitudes and behavior between those billing for healthcare and those paying for it.
Siedek, H. (2010). CGAP Technology Program - Agents marketreach. Available: http://www.cgap.org/gm/document-1.9.2115/agents_marketreach.pdf. Last accessed 27th Nov 2010.
Study About Recent Uber-Grab Move in Southeast AsiaDI Marketing
Most of the people aware that Uber in Southeast Asia has been bought by Grab, the highest awareness come from Vietnam (86%), followed by Indonesia (77%) and Thailand (62%)
Find more at: https://dreamincubator.asia/en/insights/
Avoiding alcoholic drinks is perceived as the better way to be healthy rather than having food supplement
Find more at: http://dreamincubator.asia/en/insights/
Easy-to-use operation system, beautiful design, strong hardware configuration are top 3 reasons for buying the smartphone
Find more at : www.di-onlinesurvey.com
Frequent promotion, Convenient/ save time and Convenient payment method are top 3 reasons for buying on e-commerce site
Find more at: http://di-onlinesurvey.com/
Play with children (47%) and Let children play alone but watching them (41%) are top 2 ways to look after their children
Find more at: https://www.di-onlinesurvey.com
Natural ingredients, No skin irritation, and Absorbance are top 3 concerns when choosing a facial moisturizer brand
Find more at: https://www.di-onlinesurvey.com
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SECUREX UK FOR SECURITY SERVICES AND MOBILE PATROLsecurexukweb
At Securex UK Ltd we are dedicated to providing top-rated security solutions tailored to your specific needs. With a team of highly trained professionals and cutting-edge technology, we prioritize your safety and peace of mind.
Our commitment to excellence extends beyond traditional security measures. We understand the dynamic nature of security challenges, and our personalized approach ensures that every client receives a bespoke protection plan.
Colors of Wall Paint and Their Mentally Properties.pptxBrendon Jonathan
Discover how different wall paint colors can influence your mood and mental well-being. Learn the psychological effects of colors and find the perfect hue for every room in your home.
The Jamstack Revolution: Building Dynamic Websites with Static Site Generator...Softradix Technologies
In this infographic, the Jamstack architecture emphasizes pre-rendered content and decoupling the frontend from the backend. It leverages static site generators (SSGs) to create fast-loading HTML files and APIs for dynamic functionality. Benefits include improved performance, enhanced security, scalability, and ease of deployment. Real-world examples include Netlify, Gatsby, and Contentful. https://softradix.com/web-development/
Looking for the Reliable Logistics Solutions in India? Discover unparalleled efficiency and reliability with our top-rated logistics services. We specialize in streamlining supply chains, ensuring timely deliveries, and providing cutting-edge tracking solutions. Our platform caters to businesses of all sizes, offering customizable logistics solutions to meet your unique needs. With a focus on innovation and customer satisfaction, we are your trusted partner in navigating the complexities of logistics in India. Choose us for seamless, cost-effective, and scalable logistics solutions. Experience the best in Indian logistics with our expert team by your side.
Learn about Inspect Edge, the leading platform for efficient inspections, featuring the advanced NSPIRE Inspection Application for seamless property assessments. Discover how the NSPIRE Inspection Application by Inspect Edge revolutionizes property inspections with advanced features and seamless integration.
What Are the Latest Trends in Endpoint Security for 2024?VRS Technologies
In this PDF, Discover the top 2024 endpoint security trends, including zero trust, AI integration, XDR, cloud security, and enhanced mobile protection. VRS Technologies LLC supplies the top level Endpoint Security Service Dubai. For More Info Contact us: +971 56 7029840 Visit us: https://www.vrstech.com/endpoint-security-solutions.html
Blessed Marine Automation offers cutting-edge marine automation solutions tailored to enhance vessel efficiency and safety. From advanced control systems to remote monitoring, our services empower maritime operations worldwide. Explore our comprehensive range of products and services to optimize your vessel's performance. https://www.blessedmarineautomation.com/
SMS2ORBIT | launched in 2022 in Mumbai's Andheri area, aims to be the most reliable Bulk SMS Service Provider in Mumbai.
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Unlock the potential of Ruby on Rails for your next project. Hire RoR Developers from Semiosis for scalable and efficient web solutions. With expertise in RoR development, our team crafts robust applications to meet your business goals. Dial +1 9177322215 to collaborate with us and elevate your online presence.
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Earth moving equipment refers to heavy-duty machines used in construction, mining, agriculture, and other industries to move large amounts of earth, soil, and other materials. These machines include excavators, bulldozers, loaders, and backhoes, which are essential for tasks such as digging, grading, and leveling land.
Earthmovers is a leading brand in the industry, known for providing reliable and high-performance earth moving equipment. Their machines are designed to handle the toughest jobs with efficiency and precision, ensuring optimal productivity on any project.
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Unlock the power of quantum computing with QServices. Our .NET experts deliver cutting-edge solutions to drive your business forward. Experience the future of computing and gain a competitive edge today.
Upvc Bathroom Doors Price and Designs In Keralabpshafeeque
UPVC Bathroom Doors Price in Kerala
When renovating or designing a bathroom, the choice of doors plays a pivotal role in ensuring both functionality and aesthetics. In Kerala, UPVC (Unplasticized Polyvinyl Chloride) bathroom doors have gained popularity for their durability, water resistance, and modern designs. This article delves into the pricing of UPVC bathroom doors in Kerala and why they are a preferred choice for homeowners.
#### Benefits of UPVC Bathroom Doors
UPVC bathroom doors offer several advantages, making them an ideal choice for the humid climate of Kerala:
1. **Water Resistance**: Unlike wooden doors, UPVC doors do not swell or warp when exposed to moisture, making them perfect for bathrooms.
2. **Durability**: These doors are resistant to termites and corrosion, ensuring a long lifespan.
3. **Low Maintenance**: UPVC doors require minimal upkeep, saving homeowners time and effort.
4. **Energy Efficiency**: They provide good insulation, helping maintain a comfortable bathroom temperature and reducing energy costs.
5. **Aesthetic Variety**: Available in various colors and designs, UPVC doors can complement any bathroom decor, from modern to traditional.
#### Price Range of UPVC Bathroom Doors in Kerala
The cost of UPVC bathroom doors in Kerala varies depending on factors such as size, design, and additional features. Here's a general overview of the price range:
- **Basic Models**: Simple UPVC bathroom doors start from ₹2,500 to ₹5,000. These doors are functional and offer essential benefits like water resistance and durability.
- **Mid-Range Models**: For more intricate designs or additional features such as frosted glass panels or metallic handles, prices range between ₹5,000 and ₹10,000.
- **Premium Models**: High-end UPVC bathroom doors, which may include custom designs, advanced locking systems, and superior finishes, can cost anywhere from ₹10,000 to ₹20,000 or more.
#### Conclusion
UPVC bathroom doors are an excellent investment for homes in Kerala, offering a blend of practicality and style. With a wide range of prices and designs available, homeowners can easily find a UPVC door that fits their budget and enhances their bathroom’s aesthetic appeal. When choosing a UPVC bathroom door, consider the specific needs of your space and the long-term benefits these doors provide. Investing in a quality UPVC bathroom door ensures a durable, low-maintenance, and stylish addition to your home.
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1. STUDY ABOUT CONSUMER LOAN
MARKET IN VIETNAM
BY DI-MARKETING (www.di-onlinesurvey.com)
Jun, 2016
2. 1
SCOPE OF WORK
This survey was conducted to study about consumer loan market in
Vietnam
Methodology: Online survey
Fieldwork time: 3 days (19/06/2016 to 21/06/2016)
Sample size: N = 1000
Geography: Nationwide
3. 2
KEY FINDINGS
• Vietcombank, BIDV & Vietinbank are top 3 well-known loan service providers in Vietnam
• WOM and salesman’s consultancy are main sources of brand awareness
• Home credit (PPF) is the market leader of Vietnam consumer loan service
• Simple registration procedure is the main reason for choosing this kind of service
• Buy mobile phone and house/apartment are main purposes for applying consumer loan
• By offering more promotion programs, like gifts and vouchers, consumer loan service
brands can make their customer happier
• 90% users get installment consumer loan and 26% use 12-months-installment
• 46% borrow $250.1 - $1000 per times
• 28% users have used pawn service and mobile phone & bike are put in pawn the most
4. 3
N = 1000
DEMOGRAPHIC INFORMATION
GenderAge
OccupationLiving Place
8%
2%
2%
7%
12%
12%
13%
44%
Others
Job seeker/Retired
Housewife
Factory Worker
Self-employed
Engineer/Doctor/Teacher
Student
Office staff
15%
17%
29%
35%
3%
Over 35
30-35
26-30
18-25
Under 18
35%
65%
Male
Female
31%
2%
2%
5%
16%
45%
Others
Cần Thơ
Hải Phòng
Đà Nẵng
Hà Nội
Hồ Chí Minh
5. 4
1%
12%
22%
24%
25%
28%
30%
31%
32%
35%
35%
36%
39%
40%
40%
45%
Others
ACS
ANZ
HD Saison
Prudential Finance
FE Credit (VPBank)
HSBC
ACB
Đông Á
Home Credit (PPF)
Techcombank
Agribank
Sacombank
Vietinbank
BIDV
Vietcombank
Total
1%
13%
27%
27%
32%
30%
35%
35%
36%
40%
35%
31%
42%
36%
34%
42%
Hồ Chí Minh
1%
8%
25%
16%
20%
17%
34%
35%
32%
22%
50%
45%
43%
61%
55%
62%
Hà Nội
1%
13%
14%
23%
19%
31%
21%
25%
28%
34%
30%
38%
35%
36%
41%
43%
Others
VIETCOMBANK, BIDV AND VIETINBANK ARE TOP 3 WELL-KNOWN
CONSUMER LOAN SERVICES IN VIETNAM
Do you know any consumer loan services listed below?
N = 1000 N = 450 N = 157 N = 393
Techcombank is more well-known in Hanoi
6. 5
1%
12%
22%
24%
25%
28%
30%
31%
32%
35%
35%
36%
39%
40%
40%
45%
Others
ACS
ANZ
HD Saison
Prudential Finance
FE Credit (VPBank)
HSBC
ACB
Đông Á
Home Credit (PPF)
Techcombank
Agribank
Sacombank
Vietinbank
BIDV
Vietcombank
Total
1%
9%
15%
17%
18%
23%
23%
29%
32%
29%
33%
35%
38%
40%
38%
45%
Under 18-25
1%
16%
26%
30%
26%
31%
32%
30%
32%
43%
36%
34%
40%
41%
43%
47%
26-30
2%
14%
26%
29%
33%
38%
37%
37%
37%
40%
37%
44%
44%
41%
45%
46%
30-35
1%
11%
27%
23%
32%
24%
32%
30%
27%
30%
37%
33%
37%
36%
35%
43%
Over 35
VIETCOMBANK, BIDV AND VIETINBANK ARE TOP 3 WELL-KNOWN
CONSUMER LOAN SERVICES ACROSS ALL AGE GROUPS
Do you know any consumer loan services listed below?
N = 1000 N = 385 N = 291 N = 172 N = 152
7. 6
4%
20%
25%
26%
26%
26%
27%
28%
31%
37%
47%
Others
See others use these brands
I know through sms advertising
messages/ email
Web, forum ads
Consultancy of staffs of financial
companies at sales points
TV ads
Facebook ads
In/ Out of home ads
Poster, flyer
Consultancy of salesman
Friends/relatives' suggestion
Total
4%
20%
26%
26%
23%
20%
26%
25%
29%
38%
43%
Hồ Chí Minh
3%
19%
25%
32%
31%
38%
35%
39%
35%
38%
58%
Hà Nội
5%
21%
22%
24%
27%
28%
25%
26%
32%
36%
46%
Others
FRIENDS/ RELATIVES’ SUGGESTION & SALESMAN’S CONSULTANCY
ARE 2 MAIN SOURCES OF AWARENESS NATIONWIDE
How do you know these service providers?
N = 1000 N = 450 N = 157 N = 393
8. 7
4%
20%
25%
26%
26%
26%
27%
28%
31%
37%
47%
Others
See others use these brands
I know through sms
advertising messages/ email
Web, forum ads
Consultancy of staffs of
financial companies at sales…
TV ads
Facebook ads
In/ Out of home ads
Poster, flyer
Consultancy of salesman
Friends/relatives' suggestion
Total
3%
18%
20%
26%
22%
26%
29%
29%
28%
31%
42%
Under 18-25
6%
23%
27%
27%
27%
25%
28%
25%
35%
40%
48%
26-30
7%
24%
29%
26%
33%
29%
25%
30%
37%
45%
56%
30-35
3%
16%
27%
23%
27%
26%
24%
26%
28%
36%
45%
Over 35
AGAIN, WOM & SALESMAN’S CONSULTANCY ARE 2 MAIN CHANNELS
OF AWARENESS ACROSS ALL AGE GROUPS
How do you know these service provider?
N = 1000 N = 385 N = 291 N = 172 N = 152
10. 9
3%
3%
4%
4%
6%
10%
12%
59%
Others
I cannot prove my
income
High service fee
Complicating
procedure
Cannot control my
consumption
Be concerned about
paying debt ability
High interest
I have no demand
Total
3%
3%
1%
6%
6%
11%
11%
58%
Under 18-25
3%
2%
6%
4%
9%
9%
17%
48%
26-30
4%
4%
4%
0%
7%
7%
8%
67%
30-35
0%
4%
5%
4%
1%
9%
9%
69%
Over 35
BESIDE DEMAND, HIGH INTEREST IS ANOTHER MAIN REASON FOR
NOT USING CONSUMER LOAN SERVICES
If you haven't used consumer loan service yet,
why didn't you use this service?
N = 550 N = 144 N = 151 N = 93 N = 62
11. 10
0%
1%
1%
1%
1%
3%
3%
1%
0%
15%
5%
7%
23%
11%
22%
4%
Hà Nội
0%
1%
3%
3%
4%
5%
5%
5%
5%
6%
7%
10%
10%
11%
12%
13%
Others
ANZ
ACB
Techcombank
Prudential Finance
Đông Á
HSBC
HD Saison
ACS
Vietinbank
Sacombank
FE Credit (VPBank)
BIDV
Agribank
Vietcombank
Home Credit (PPF)
Total
1%
1%
4%
2%
5%
5%
6%
8%
7%
3%
9%
12%
5%
7%
6%
16%
Hồ Chí Minh
0%
0%
2%
5%
3%
5%
5%
3%
6%
5%
5%
8%
10%
17%
14%
14%
Others
OVERALL, HOME CREDIT (PPF) IS THE MARKET LEADER OF
CONSUMER LOAN
INDUSTRY IN VIETNAM
If you have used consumer loan service already,
which service provider do you use the most frequently?
N = 450 N = 202 N = 73 N = 175
Saigonese prefers Home Credit and FE Credit
Hanoian chooses Vietcombank and BIDV
12. 11
0%
1%
3%
3%
4%
5%
5%
5%
5%
6%
7%
10%
10%
11%
12%
13%
Others
ANZ
ACB
Techcombank
Prudential Finance
Đông Á
HSBC
HD Saison
ACS
Vietinbank
Sacombank
FE Credit (VPBank)
BIDV
Agribank
Vietcombank
Home Credit (PPF)
Total
0%
1%
1%
5%
2%
4%
2%
3%
8%
8%
7%
11%
13%
11%
13%
10%
Under 18-25
0%
1%
1%
2%
3%
5%
5%
3%
5%
6%
7%
12%
7%
13%
13%
17%
26-30
1%
1%
5%
2%
8%
6%
3%
10%
4%
1%
6%
8%
12%
11%
10%
12%
30-35
3%
0%
6%
3%
5%
2%
15%
10%
2%
8%
6%
3%
6%
10%
10%
11%
Over 35
OVERALL, HOME CREDIT, VIETCOMBANK AND AGRIBANK ARE TOP 3
CONSUMER LOAN SERVICES PROVIDER
If you have used consumer loan service already, which service do
you use the most frequently?
N = 450 N = 144 N = 151 N = 93 N = 62
Under 18-25 uses Vietcombank and BIDV the most
26~35 group prefers Home Credit
Over 35 group chooses HSBC
13. 12
VIETCOMBANK GAINS HIGHEST BRAND AWARENESS
WHILE HOME CREDIT (PPF) GAINS HIGHEST MARKET SHARE
Which brands do you know?
Which brands do you use the most ?
45%
40% 40% 39%
36% 35% 35%
32%
31%
30%
28%
25%
24%
22%
12%
1%
12%
10%
6% 7%
11%
3%
13%
5%
3%
5%
10%
4%
5%
1%
5%
0%
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
Awareness
Usage
N = 1000
14. 13
Vietcombank
Agribank
FE Credit
(VPBank)
BIDV
Home Credit (PPF)
VIETCOMBANK GAINS HIGHEST BRAND AWARENESS WHILE HOME
CREDIT (PPF) GAINS HIGHEST MARKET SHARE
Which service provider do you know?
Which service provider do you use the most ?
Low
Low
High
High
Usage
Awareness
.
15. 14
6%
24%
24%
25%
26%
26%
28%
29%
30%
32%
33%
34%
34%
38%
Others
Low service fee
Have many promotions
Extentive POS network
Salesman suggestion
Don't need to mortgage
Good customer service
Low interest
Friends/ relatives recommendations
Clear and simple loan policy
Enthusiastic consultant
Reliable
Fast approving time
Simple registration procedure
Total
SIMPLE REGISTRATION PROCEDURE IS THE MAIN REASON FOR
CHOOSING THIS KIND OF SERVICE
Why do you choose this service provider?
N = 450
16. 15
6%
24%
24%
25%
26%
26%
28%
29%
30%
32%
33%
34%
34%
38%
Others
Low service fee
Have many promotions
Extentive POS network
Salesman suggestion
Don't need to mortgage
Good customer service
Low interest
Friends/ relatives recommendations
Clear and simple loan policy
Enthusiastic consultant
Reliable
Short approving time
Simple registration procedure
Total
8%
19%
19%
31%
39%
31%
24%
22%
15%
27%
32%
24%
42%
42%
Home Credit (PPF)
9%
25%
26%
25%
25%
21%
30%
30%
32%
38%
36%
45%
30%
49%
Vietcombank
2%
31%
29%
16%
16%
24%
25%
33%
39%
29%
20%
43%
27%
24%
Agribank
PPF = SIMPLE + FAST APPROVING / VCB* = SIMPLE + RELIABLE
AGRIBANK = RELIABLE + RECOMMENDED BY FRIENDS/ RELATIVES
Why do you choose this service provider?
N = 450 N = 59 N = 53 N = 51
* VCB : Vietcombank
17. 16
6%
24%
24%
25%
26%
26%
28%
29%
30%
32%
33%
34%
34%
38%
Others
Low service fee
Have many promotions
Extentive POS network
Salesman suggestion
Don't need to mortgage
Good customer service
Low interest
Friends/ relatives recommendations
Clear and simple loan policy
Enthusiastic consultant
Reliable
Fast approving time
Simple registration procedure
Total
2%
23%
20%
23%
18%
25%
43%
30%
43%
48%
39%
43%
34%
34%
BIDV
5%
16%
19%
19%
21%
28%
14%
16%
28%
14%
28%
12%
30%
33%
FE Credit
BIDV = CLEAR & SIMPLE LOAN POILICY
FE CREDIT = SIMPLE PROCEDURE
Why do you choose this service provider?
N = 450 N = 44 N = 43
18. 17
70% USERS ARE SATISFIED WITH THEIR CURRENT
CONSUMER LOAN SERVICE PROVIDER
How do you feel with your current consumer loan service?
0% 0% 0% 0% 0% 2%2% 0% 0%
5% 4%
5%
28%
15%
20%
40%
27%
36%
47%
55%
55%
33%
53%
44%
23%
30%
25% 23%
16% 14%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Very satisfied
Satisfied
Normal
Unsatisfied
Very unsatisfied
N = 450 N = 53 N = 44 N = 43 N = 51 N = 59
Vietcombank has highest top box consumers’ satisfaction level with 30%
19. 18
16%
7%
8%
9%
15%
17%
17%
18%
27%
28%
Others
Customer service is not good
Unclear loan policy
Unenthusiastic consultant
Sparse POS network
Complicated register procedure
Low approving time
High service fee
High interest
Not many promotions
Total
BY OFFERING MORE PROMOTION PROGRAMS, CONSUMER LOAN
SERVICES CAN MAKE THEIR CUSTOMER HAPPIER
Is there anything that makes you unhappy about your current
consumer loan service?
N = 450
20. 19
16%
7%
8%
9%
15%
17%
17%
18%
27%
28%
Others
Customer service is not good
Unclear loan policy
Unenthusiastic consultant
Sparse POS network
Complicated register procedure
Long approving time
High service fee
High interest
Not many promotions
Total
12%
5%
3%
10%
14%
15%
3%
15%
32%
39%
Home Credit (PPF)
25%
4%
6%
6%
17%
13%
25%
15%
19%
17%
Vietcombank
12%
14%
10%
10%
20%
29%
20%
12%
18%
16%
Agribank
HOME CREDIT = NOT MANY PROMOTIONS/ VCB* = SLOW APPROVING
AGRIBANK = COMPLICATED PROCEDURE
Is there anything that makes you unhappy about your current
consumer loan service provider ?
* VCB : Vietcombank
N = 450 N = 59 N = 53 N = 51
21. 20
16%
7%
8%
9%
15%
17%
17%
18%
27%
28%
Others
Customer service is not good
Unclear loan policy
Unenthusiastic consultant
Sparse POS network
Complicated register procedure
Low approving time
High service fee
High interest
Not many promotions
Total
11%
5%
9%
7%
20%
23%
20%
23%
16%
45%
BIDV
5%
9%
16%
9%
7%
14%
23%
16%
49%
28%
FE Credit
BIDV = NOT MANY PROMOTION + HIGH SERVICE FEE
FE CREDIT = HIGH INTEREST + NOT MANY PROMOTION
Is there anything that makes you unhappy about your current
consumer loan service? (chosen in Q8)
N = 450 N = 44 N = 43
22. 21
3%
9%
0% 0% 0%
8%
34%
30%
32%
38% 37%
37%
10% 7%
7%
2%
12%
12%
40%
35%
45%
49%
41%
41%
12%
19% 16%
11% 10%
2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
I will use this service only
I will prefer using this service in
priority
I will use this service parallel with
other service
I will continue use this service, but I
will use other in the future
I will switch to other service
12% ARE LOYAL WITH THEIR CURRENT SERVICE PROVIDER
What is your usage intention towards this consumer loan service
provider in the future?
Surprisingly, FE Credit owns highest ratio of loyal consumer (19%) as well as switching rate 9%
N = 450 N = 43 N = 44 N = 53 N = 51 N = 59
23. 22
Home Credit
(PPF)
Vietcombank
Agribank
BIDV
FE Credit
VIETCOMBANK GAIN HIGHEST USERS’ SATISFACTION
WHILE FE CREDIT GAINS HIGHEST USERS’ LOYALTY
How do you feel with your current service provider?
What is your usage intention towards your service provider in the future?
Satisfaction
High
HighLow
Low
Loyalty
.
24. 23
75% WILL INTRODUCE THEIR CURRENT BRAND TO OTHERS
What is your ability to recommend your brand of consumer loan
service to others? (chosen in Q8)
1% 0% 0%
5%3% 2% 5%
9%
21%
9%
30%
18%
31%
26%
46%
60%
41%
51%
42%
40%
29% 30% 30% 29%
22% 21%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Vietcombank BIDV Agribank Home Credit
(PPF)
FE Credit
I will recommend definitely
I will recommend
I may recommend
I will not recommend
I will not recommend definitely
Vietcombank owns highest top box recommendation level with 30%
N = 450 N = 53 N = 44 N = 51 N = 59 N = 43
25. 24
1%
28%
36%
40%
40%
46%
54%
Others
Free shipping
Money collecting at
home
Bundled special
packaged
Buy other products
with preferential
price
Lucky spin
Gifts, vouchers
Total
0%
26%
37%
39%
36%
38%
58%
Under 18-25
3%
30%
39%
38%
41%
45%
54%
26-30
1%
31%
29%
47%
43%
52%
56%
30-35
0%
27%
34%
37%
45%
56%
47%
Over 35
54% DESIRE TO HAVE GIFTS/ VOUCHERS WHEN USING THIS SEVICE
Which services attached with consumer loan do you desire to be offered?
Over 35 prefers lucky spin
N = 450 N = 144 N = 151 N = 93 N = 62
27. 26
6%
18%
30%
90%
Others
Revolving consumer credit
Noninstallment consumer loan
Installment consumer loan
Total
9%
22%
30%
91%
26-30
9%
22%
30%
91%
26-30
9%
16%
31%
96%
30-35
0%
16%
26%
89%
Over 35
90% USERS GET INSTALLMENT CONSUMER LOAN
What kind of consumer loan do you often get?
N = 405 N = 123 N = 138 N = 89 N = 55
28. 27
7% 5% 7% 4%
16%5%
3%
5% 11%
3%8%
3%
8%
10%
13%10%
7%
8%
11%
18%
10%
12%
11%
8%
5%
20%
17%
26%
22%
13%
26%
28%
26% 25%
23%
15%
24%
11% 11% 10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under 18-
25
26-30 30-35 Over 35
Under $250
$250.1 - $500
$500.1 - $1000
$1000.1 - $1500
$1500.1 - $2500
$2500.1 - $5000
$5000.1 - $10000
Over $10000
46% APPLY FOR LOAN FROM $250.1 TO $1000
When you get installment consumer loan, in the most recently, how
much did you get?
N = 405 N = 123 N = 138 N = 89 N = 55
7% 6% 4% 4%
10%
27%
5%
0% 3% 3%
6%
29%
8%
2% 3%
10%
16%
24%
10%
2%
10%
11%
13%
16%
10%
7%
10%
10%
23%
2%
20%
12%
22%
33%
23%
2%
26%
32%
34%
23%
6%15%
38%
15%
4% 3%
Total Under $200 $200.1 -
$450
$450.1 -
$700
$700.1 -
$1000
$1000 and
over
N = 405 N = 72 N = 173 N = 88 N = 30
The higher income, the more they borrow
N = 42
29. 28
26% USE 12-MONTHS-INSTALLMENT
In the most recent loan time, how long is your installment term?
2% 2% 1% 3% 0%
6% 3% 7%
8%
10%
6%
2%
5%
9% 13%8%
6%
9%
11% 8%5%
1%
3%
12% 10%
3%
6%
1%
2% 2%
26%
25%
26%
26%
24%
14%
20%
17%
5%
6%
22%
23%
23%
20%
21%
8% 11% 8% 4% 6%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under 18-
25
26-30 30-35 Over 35
3 months
6 months
9 months
12 months
15 months
18 months
24 months
36 months
Over 36 months
Others
N = 405 N = 123 N = 138 N = 89 N = 55
30. 29
28% USERS HAVE PUT SOMETHING IN PAWN
Have you ever use pawn services?
72% 74%
64%
70%
82%
28% 26%
36%
30%
18%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under 18-25 26-30 30-35 Over 35
Yes
No
N = 1000 N = 385 N = 291 N = 172 N = 152
32. 31
20% USERS HAVE APPLIED FOR A HIGH INTEREST LOAN AT
PAWNSHOPS/ LENDERS
Have you ever applied for a high interest loan at pawnshops/lenders?
81% 83%
72%
84%
88%
20% 17%
28%
16%
12%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Total Under 18-25 26-30 30-35 Over 35
Yes
No
N = 1000 N = 385 N = 291 N = 172 N = 152
33. 32
CONTACT US
• Japan & Taiwan:
o Address: 3 Chome-2-6 Kasumigaseki, Chiyoda, Tokyo 100-0013, Japan
o Contact person: Mr. Hideyuki Kato (CEO)
o Email: hideyuki.kato@di-mktg.com
o Contact number: +81 3-5532-3200
• Vietnam:
o Address: 9-15, Vincom center, 45A Ly Tu Trong, Ben Nghe ward, District 1,
Ho Chi Minh City, Vietnam
o Contact person: Mr. Ho Hai Dang (Manager - DI Marketing)
o Email: dang.h@di-mktg.com
o Contact number: +84 902-73-9944
• Thailand
o Address: 246 Time Square Bld., 10th Fl., Room 10/04, Sukhumvit 12-14 Rd. Klongtoey,
Bangkok 10110, Thailand
o Contact person: Ms. Pimparima Piriyametha (Business Analyst - DI Marketing)
o Email: pimparima.p@di-mktg.com
o Contact number: +66 96 245 3656
34. 33
CONTACT US
• Indonesia:
o Address: Jalan Prof Dr Satrio Kav 18, 45th floor AXA Tower, Jakarta 12940, Indonesia
o Contact person: Mr. Hendry Pratama (Manager - DI Marketing)
o Email: hendry.p@di-mktg.com
o Contact number: +65 822 1345 2555 | +62 21 3005 3541
• India:
o Address: 10 Anson Road, #14-06, International Plaza, Singapore 079903
o Contact person: Mr. Sujit Kunte (Regional representative)
o Email: kunte.sujit@dreamincubator.com.sg
o Contact number: +65 9127 7654