Ngernturbo is a new consumer finance startup, established in late 2017, currently with 760 branches. Our management team are young and talented professionals, with the average age in their 30s, of which have an Ivy League or Master degree from abroad with extensive background in finance, including investment banking, and other related fields. Our primary area of focus is the unbanked sector in Thailand. Those in the unbanked sector usually face difficulties in obtaining credit to finance their shops, their farms, or to meet short term liquidity needs. We aim to provide them credit and other financial products at a very reasonable rate and very generous payment terms. For those willing but unable to pay our debt, we will offer help within reasonable business boundaries for them to amend or defer our payments. We also give them financial advice for them to make it through. While popular among other lenders, liquidations will only be our last resort. We operate our business with great pride to provide financial assistance to those in need, enabling them to have better lives.