We are part of the British based International Personal Finance (IPF) Group, one of the leading home credit providers in Europe. The Group has 2.3 million customers in 9 European countries as well as in Mexico and Australia. IPF is one of the largest British employers in the region and one of the strongest 250 international companies traded on the London Stock Exchange. Our vision is to make a difference in the everyday lives of our customers by offering simple and personalized financial products. We provide small, unsecured, short-term loans to over 200,000 customers who are under-served by existing financial institutions. Typically, our customers borrow 3,700 RON and repay their loans over 12 months with small weekly repayments that their household budgets can comfortably manage. We have a unique personal relationship with our customers. One of our agents meets their customers before each loan is granted and visits those who select the additional home service every week to collect repayments. We promote inclusive and responsible lending and believe that meeting our corporate and social responsibilities is essential to maintaining a sustainable business and delivering for our customers. Over the past years we have supported various social responsibility programmers – in fields such as financial education, environment and supporting underprivileged groups – in which we invested over €1,100,000. Since 2013, we have been supporting Siguranta Financiara, a comprehensive online resource center for financial and entrepreneurship education. In October 2018 we've launched the first online gaming platform for financial literacy, Stii cu banii which has now more than 12.000 users. Since 2006 we have invested over €300 million in Romania and paid taxes to the state budget of more than €100 million. We now have almost 2.300 employees in over 60 cities across the country. For more information visit www.provident.ro.