Qredits is de handelsnaam van
Stichting Microkrediet Nederland

Adres hoofdkantoor (vestigingen »)
Wierdensestraat 27, Almelo

Postadres
Postbus 302, 7600 AH Almelo

Telefoon
0900-QREDITS(7733487) € 0,55 p/g

Microcredit increases

Your newly launched company isn’t doing so well because of certain circumstances. What do you do? Many entrepreneurs first consider a bank if they need a loan.

Microcredit in the Netherlands

Just recently has it been possible to get Microcredit in the Netherlands, an idea that is copied from the 'third world'. While in theory a good business plan should be sufficient; in practice, the banks see little advantage in extending credit to start-up or small businesses. This has partly to do with the credit crisis, but also with other factors.

"It has to do as well with increasing standardization," said Elwin Groenevelt. "The granting of loans to small businesses is often not interesting for banks. They are relatively labour-intensive and therefore too expensive." Groenevelt comes from the banking industry and for the last year has been the director of Qredits’, a company that has provided credit to small entrepreneurs since early 2009. These could be starters, but also people who are already busy with their own business. Since Qredits started, there have been more than 2,000 loan applications processed. A third of these have been awarded a loan.

Founded by the Dutch government

Most people borrow between 10,000 and 25,000 euros. In total there are currently more than 9 million euros in loans outstanding. Qredits was founded by the Dutch government and the banking industry. The government was concerned that, due to the reluctance of banks, the good initiatives that are important to a healthy economy, weren’t getting a chance.

That’s why ex-Minister Van Gennip installed the Council for Microfinance in 2007. With Princess Maxima at its most famous member, it has ensured that, together with three banks, initiatives have been unfolded to be able to serve this market. Anyone who wants a loan comes to Qredits via the website. "It is important that the entrepreneur has an economically viable business plan," said Groenevelt.

Business Advisor

"This plan, as well as the entrepreneur’s skills, is assessed by one of our business advisors. They are regionally based across the country. The assessment almost always takes place at the entrepreneur’s home or business location."

“Our business advisor takes a good look at the location. In a personal conversation, the advisor can form a judgement whether entrepreneurship actually fits with the applicant. The business advisor will then advise in the area of risk management. The advisor assesses the file again and determines whether a loan will be provided or not.”

Coach

In many cases, in addition to the loan, a coach is also provided. The entrepreneur is assigned a rating from 1 to 5 by the business advisor. Entrepreneurs that score 1 on the scale will do well working alone; entrepreneurs that score a 5 are not taken on by Qredits. The intermediate group (2,3,4) is required to be coached.

"In order to do this, we have collected people in our coaching plaza. The coaching ranges from practical guidance to intensive focuses. Depending on the rating, businesses will need either more or less intensive coaching. “According to Groenevelt, guidance is important for the chance of success of the company.

Groenevelt: "Up to this point we have been accurate: everyone has repaid their loans. We expect that our default rate will be lower than it is in with banks." It is not the intention that Qredits will always remain dependent on public support. "Within a few years we have to be self-supporting," said Groenevelt.

Desondanks kan Qredits geen absolute garanties geven voor de juistheid en de volledigheid ervan. De verstrekte informatie is bedoeld als beschrijving van de dienstverlening van Qredits, niet als aanbod, beleggingsadvies of financiële dienst. Qredits behoudt zich het recht voor de informatie op ieder moment en onaangekondigd aan te passen. Het foutloos en zonder onderbrekingen functioneren van deze website wordt niet gegarandeerd.

Qredits en eventuele andere leveranciers aanvaarden geen aansprakelijkheid voor de inhoud van deze site. Aan de verstrekte informatie kunnen geen rechten worden ontleend. Ook voor de inhoud van sites van derden waarnaar deze site verwijst of die naar deze site verwijzen wordt geen aansprakelijkheid aanvaard.

Voor deze website geldt geen overnemingsvrijheid en zijn alle auteursrechten van toepassing, inclusief die uit artikel 15 van de Auteurswet. De verstrekte informatie is alleen bedoeld voor eigen gebruik. Het overdragen, verveelvoudigen, bewerken of verspreiden ervan is niet toegestaan. Als bezoeker van deze site bent u verplicht eventuele aanwijzingen van Qredits over het gebruik van de informatie op te volgen. Het Nederlands recht is van toepassing.