His And Her Money
His And Her Money is a channel run by Talaat and Tai McNeely. They’re a power couple that helps partners manage and discuss investing, budgeting, and financial planning in general....
Author: Loan Expert
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Rachel Cruze
Rachel Cruze is the daughter of Dave Ramsey and she creates similar content where she talks about personal finance and business. Spending wisely is one of the main focuses of...
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Two Cents
Two Cents is a YouTube channel run by Philip Olson, Julia Lorenz-Olson, Andrew Matthews, and Katie Graham. Their channel gives great advice on frugal living, budgeting, and career pathing. They...
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Kiplinger
Kiplinger is a YouTube channel from Kiplinger magazine. They have short and easy content about small and big ways you can handle your personal finances. Their videos range from food...
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I Will Teach You To Be Rich
I Will Teach You To Be Rich is a channel run by Ramit Sethi. His content features his personal practices and ideologies for creating financial freedom. He also gives valuable...
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GaryVee
GaryVee is a YouTube channel run by Gary Vaynerchuk who is a successful entrepreneur that has established several businesses over the years. His channel can give you great insight on...
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BeatTheBush
BeatTheBush is a great source of information for frugal living and saving money. His videos give you smart and easy ways to maximize your budget and reduce unnecessary costs. He...
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The Dave Ramsey Show
The Dave Ramsey Show features excellent financial advice for people from all walks of life. His videos help people make budgets, financial advice, and educated investment decisions.
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The Financial Diet
The Financial Diet is a great channel for learning how to save money the simplest and easiest ways possible. They provide great content about budgeting, planning meals, saving money, and...
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Financial Education
Financial Education is a YouTube channel that helps people from all walks of life learn about how to properly handle their finances. This channel is great for learning how to...
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Savings housing plan
The housing savings plan ( PEL ) is a French home savings product . Like the home savings account , after a savings phase, the owner can obtain a home savings loan .
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Housing savings loan
In France, the home equity loan can be granted when you hold a home savings account (CEL) or a home savings plan (PEL) and if you put money aside on this kind of investment.
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Agreed loan
In France , the loan is a subsidized loan designed to make home ownership of real estate possible for all. It is underwritten by a banking institution.
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Enhanced loan
An enhanced loan is a loan supplement to conventional loans, subject to special conditions.
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Zero rate loan more
The PTZ Plus (PTZ +) is a home loan that can be contracted to finance the purchase of a first real estate property as a principal residence , whether it is an apartment, a house, a...
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Zero interest loan in France
The Rate Loan zero (PTZ) is, in France, a bank loan or social or socio-environmental (Eco-PTZ), established in 1995, the interest rate is equivalent to 0%. The amount granted for this loan is based on the borrower’s taxable income...
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Ready to social accede
In France , the Social Accession Loan is a loan subsidized by the state 1 in order to allow the greatest number to access real estate property. It is subject to social conditions: it must respect a...
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Housing savings in France
The savings plans is a system of housing savings giving access later to a loan at a concessionary rate to contribute to the purchase of housing ( loan habitat ) for the main habitat of the...
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Housing savings account
The housing savings account (CEL) is a product of housing savings french exists since 1 st January 1965 1 . As with the housing savings plan (PEL), after a savings phase, the holder can obtain a housing savings loan .
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Deposit “mutual employee”
The deposit “Mutual civil servant” is a particularly interesting guarantee for civil servants and for certain particular activities (research …) in the case of a mortgage .
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Real estate brokerage
The brokerage equity loan is a bank gasoline profession pursued by the broker or home loan mortgage broker. An intermediary in banking and payment services , he acts as an intermediary, for a transaction...
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Relay loan
The bridge loan (also called in-fine credit , bridge loan in Belgium , or, more rarely, credit of welding ) is a credit whose capital is due at the end of the contract. Its purpose is to finance the contribution that constitutes...
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Popular initiative “for a preferential tax treatment of home savings for the purchase of a home for personal use or the financing of work to save energy or preserve the environment”
The popular initiative “for preferential tax treatment of housing savings for the purchase of a dwelling for personal use or to finance work to save energy and preserve the environment” , said...
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Mortgage in French law
A mortgage 1 is a security interest, that is to say an accessory real right granted to a creditor on an immovable as security for the payment of a debt without the owner of the...
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Real Estate Loan Guarantee
A mortgage loan guarantee is a legal and commercial mechanism that binds a lender to a borrower and allows the lender to obtain a partial or full repayment of the loan amount...
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Real estate loan fees
The mortgage application fee is an amount paid by a borrower in connection with a mortgage loan .
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Housing Savings
The housing savings is a system savings providing access later to a mortgage at a concessionary rate to contribute to the purchase of housing ( loan habitat ) for the main habitat of the person concerned or his...
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Deadline (finance)
The due date indicates the date on which an operation must be performed. This operation may be the partial or total repayment of a debt , the exercise of an option , the payment of rent, the...
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Real estate loan
The mortgage or home equity loan is a loan to finance all or part of the acquisition of a property , the construction operation, or work on such property.
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User: ArthCam / Draft
Credit Expert is a service and lending consulting company specializing in mortgage lending and credit redemption . The company is a local brand based in Paris and owns in 2016, 16 real estate brokerage agencies in...
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Personal contribution
The personal contribution is the part of availability that the borrower has and that he will use for his real estate project.
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Popular initiative “Access to property through home savings”
The popular initiative “Access to property through home savings” is a popular Swiss initiative , rejected by the people and cantons June 18 , 2012.
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Microcred
Microcred is an organization that designs and markets life – time financial products and services 1 , such as credit , savings , insurance and money transfer products . It is aimed primarily at people who do not have access to the...
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Zebunet
Zebunet is a non-profit, apolitical and non-confessional association active in the field of international solidarity.
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Muhammad Yunus
Muhammad Yunus , born on June 28 , 1940in Chittagong in Bangladesh , is an economist and entrepreneur Bangladeshi known for having founded in 1976 the first institution of microfinance , the Grameen Bank , which earned him the Nobel Peace Prize in 2006. He is known as the...
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SOS Emmaus families
The SOS Emmaus Families are a set of French associations law of 1901 whose first was born in Rouen in 1967 . Until 1975, the SOS Emmaus Families of Rouen, created by Anne-Marie Poinsignon, wife of the...
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Positive Planet
Positive Planet , formerly PlaNet Finance 1 , is an NGO whose main mission is to develop economic, social and environmental inclusion around the world in a sustainable and equitable way.
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Financial inclusion
The financial inclusion (or Inclusive Finance) is offering basic banking and financial services at low cost for consumers in difficulty and excluded from mainstream services. Banking services are today indispensable services to be...
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Kafo Jiginew
Kafo Jiginew (meaning Union of lofts in Bambara ) is a mutual institution of savings and credit established in Mali in October 1987 . Its mission is to enable Malian populations with modest incomes (peasants, artisans, small traders) to have...
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Microinsurance
The Microinsurance is a system that uses (among others) the insurance mechanism and whose beneficiaries are at least part of those excluded from formal social protection systems, especially workers in the informal...
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Micro-project
The micro-projects are one of the designations used by donors in their field actions; as opposed to programs of direct aid to governments or major institutions of beneficiary countries.
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microcredit
The microcredit consists of the allocation of small loans to entrepreneurs or artisans who can not access conventional bank loans. Microcredit is developing mainly in developing countries , where it helps to achieve microprojects, promoting activity...
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DECSI
Dedebit Credit and Savings Institution ( DECSI ) is a microfinance institution (MFI). It operates in Tigray , a northern region of Ethiopia . It has more than 460,000 clients and is considered one of the four largest MFIs in Africa 1 .
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Crédal
The Crédal is a Belgian cooperative created in 1984 and active in the field of solidarity finance in Wallonia and Brussels .
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Daily collection
The daily collection is a service offered by microfinance institutions which consists in collecting, usually on the markets, the receipts of craftsmen and traders to deposit them in their bank account .
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National unemployment insurance fund
the National Unemployment Insurance Fund ( CNAC ) is the Algerian body responsible for the compensation of employees who have lost their jobs for economic reasons; it manages a credit fund for the creation of companies. She participates in the...
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Christian de Boisredon
Christian Alefsen de Boisredon , born on February 2 , 1974in Saint-Germain-en-Laye , is a “social entrepreneur” (Ashoka fellow) 1 , founder of Sparknews and lecturer.
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Tunisian Solidarity Bank
The Tunisian Solidarity Bank (BTS), created by the Presidential Decree of May 21, 1997 , is a Tunisian deposit bank governed by Law No. 67-51 of December 7, 1967 which regulates the banking profession. It actually starts operations in March 1998 1 .
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Bank Palmas
The Palmas Bank is an institution microfinance solidarity, created in 1998 by local residents Conjunto Palmeiras, twenty kilometers from Fortaleza in northern Brazil . It combines different financial services, including microcredit , with a local circulating social currency , the “Palmas”.
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Maria Otero
Maria Otero was sworn in on August 10, 2009, taking office as US Under Secretary of State for Democracy and International Affairs. She oversees and coordinates US foreign policy on a variety...
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Maria Nowak
Maria Nowak , born in 1935 , is an economist , microcredit specialist , president and founder of the Association for the right to economic initiative .
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National Life Finance Corporation
National Life Finance Corporation NLFC ( 国民生活金融公庫 , Kokumin seikatsu Kin-yu kohko ? ) Is a financial government institution Japanese which finances Very small businesses not eligible for loans of banks private. the December 31 , 2006, the bank announces to have realized for 8 984 billion yen of financing.
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Grameen Bank
The Grameen Bank (literally, “Village Bank”) is a bank specializing in micro-credit . It was officially created in 1976 by Muhammad Yunus in Bangladesh . It has nearly 1,400 branches and works in more than 50,000 villages . Since its inception, it has disbursed $ 4.69 billion in loans and has...
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Foundation for International Community Assistance
The Foundation for International Community Assistance (FINCA International) is a non-profit association of microcredit , founded by John Hatch ( in ) in 1984.
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FIDES Bank Namibia
FIDES Bank Namibia is a commercial bank of Namibia .
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Honorary loan associations
A loan of honor is a medium-term loan granted to a person creating or taking over a business and granted without personal or real guarantees. In France, it is generally granted by associations...
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Association for the right to economic initiative
The association for the right to economic initiative (Adie, pronounced adi ) is a French association recognized by public utility since 2005 (Decree of January 10 , 2005, published in the Official Journal on January 15 , 2005), whose purpose is to allow people who...
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REM
The European Microfinance Network (EMN) was created in April 2003
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National Youth Employment Support Agency
the National Agency for Youth Employment Support ( Ansej ) is the Algerian organization responsible for managing a credit fund for the creation of businesses. She participates in the public employment service .
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Congolese Savings and Loan Mutuals
The Congolese Savings and Credit Mutuals (MUCODEC) constitute a micro-finance network in the Republic of Congo .
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Green microfinance
The green microfinance is the alliance between microfinance and issues related to the environment. This refers to all microfinance activities (micro-credits, etc.) that take into account the impact of the activity and the institution on...
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microfinance
Microfinance services provide a set of financial products to those excluded from the conventional or formal financial system 1 . They generally relate to the poor inhabitants of developing countries .
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Personal microcredit
The personal microcredit supported is a loan of 300 € to 3 000 € (up to 5 000 € in exceptional cases) repayable over 6 to 36 months (48 months in exceptional cases) benefiting from a rate of moderate interest (3.5% on...
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Bank Exclusion
The banking exclusion is characteristic of people experiencing such difficulties of access or use in their banking practices or they can not live a normal social life.
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Entrepreneurs of the World
Entrepreneurs du Monde supports the economic integration of families in precarious situations and facilitates access to essential goods and services. Thus, these families gain autonomy and improve their living conditions. To achieve its mission, Entrepreneurs du Monde...
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Enda inter-Arab
Enda Inter-Arab is a non-profit microcredit institution based in Tunisia .
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Initiative France
Initiative France is a network of 230 associations to support and finance French entrepreneurs
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Zilok
Zilok is a platform for connecting individuals and / or professionals wishing to rent all types of property.
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Zidisha
Zidisha is a nonprofit organization of microfinance created in 2009, which directly related lenders and borrowers without going through an intermediate structure and offering a total cost of significantly lower credit than most other microfinance...
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Yescapa
Yescapa (formerly JeLoueMonCampingCar) is a rental platform for motorhomes and vans arranged between private individuals, launched in 2012 by Benoît Panel and Adrien Pinson. The company is part of a collaborative consumption approach and allows individuals to rent their...
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Virgin Money UK
Virgin Money plc is a UK-based financial and banking services company owned by Virgin Group and founded by Richard Branson in March 1995. It was originally known as Virgin Direct . In the 2000s, Virgin Money expanded its...
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Stootie
Stootie is a community and collaborative online platform 1 , 2 to request services in real time and geo-localized launched by Jean-Jacques Arnal in 2011 and based in Paris . The users can be professional or private and the requested...
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Kiva (philanthropic organization)
Kiva is a non-profit organization that allows Internet users to lend money to microcredit institutions in developing countries. These institutions lend the money received to the inhabitants of the country in which they operate 1 . It is...
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ILokYou
ILokYou is a free service between neighbors 1 , who wish to rent or sell each other any type of objects and services 2 .
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Ezubao
Ezubao is a financial company Chinese online based on a Ponzi scheme , led by Ding Ning , who misled 900,000 people by diverting $ 7.5 billion since its creation in 2014. The case was revealed on 1 st February...
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E-rent
E-loue is a web platform allowing individuals and professionals to rent or rent objects through an online payment and booking system.
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Airbnb
Airbnb is a paid community residential rental and booking platform founded in 2008 by Americans Brian Chesky and Joe Gebbia . The website contains in 2015 more than 1.5 million listings 1 in 34,000 cities 2 and 192 countries 3 . Based in San Francisco , the company is owned and operated...
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Younited Credit
Younited Credit , formerly Union Loan , is a French company specializing in consumer credit . It is the first online retail credit platform in France to have the credit institutionauthorization issued by the French Prudential Supervisory Authority .
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Franfinance
Franfinance is a credit agency for individuals and professionals specializing in consumer credit and e-commerce payment solutions. It is one of the leaders of the market 1 , with, in particular, Finaref and Sofinco from Crédit Agricole and Cetelem from the BNP Paribas Group .
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Consumer credit
The consumer credit is the category of credit granted to individuals by banks or financial companies to finance the purchase of goods and services, such as the big spending in capital goods ( car , the equipment house ). For individuals this category of credit...
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Cofinoga
Cofinoga has been a major player in consumer credit in France for 40 years. Cofinoga is the consumer brand of the LaSer Group, a service provider in intermediation and customer relations. Created in 1968, the...
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Cofidis
Cofidis for ” Compagnie FInancière de DIStribution ” is a company of the Cofidis Participations group specialized in credit sold and managed remotely, whose head office is based in Villeneuve-d’Ascq 1 in Haute Borne .
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Cetelem
Cetelem (Company for the financing of household electrical appliances) is a French brand specialized in consumer credit . Cetelem is the trademark of BNP Paribas Personal Finance, which is a wholly-owned subsidiary of BNP Paribas ,...
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Fraudulent use of payment instruments
The fraudulent use of a payment instrument is an offense committed using a payment instrument such as a payment card , check , transfer , or other payment services . It is frequently accompanied by identity theft .
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Synchrony Financial
Synchrony Financial is a consumer finance company based in Stamford , Connecticut , United States . The company offers consumer finance products, including credit programs, loyalty cards and savings products through Synchrony Bank, its subsidiary.
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Observatory of the security of means of payment
The Observatory for Payment Security is a French body for the exchange of information and consultation between the parties (consumers, merchants, issuers and public authorities) concerned by the security of card payment systems and others....
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MasterCard (credit card)
A Mastercard is a payment and withdrawal card offered by the group of the same name. It can take the form of a credit or debit card . Mastercard claims a presence in 210 countries and more than 28 million merchants 1 .
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Eurocard
Eurocard was a credit card introduced in 1964 by a Swedish banker belonging to the Wallenberg family . She was destined to be an alternative to American Express .
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Credit Season
Credit Season Co., Ltd. , commonly known as Credit Season or simply Season , is a Japanese financial services company affiliated with Mizuho Financial Group . Founded in 1946, Founded in 1946, Credit Saison is the third-largest credit card issuer with more than...
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Payment card
A payment card is a means of payment in the form of a plastic card measuring 85.60 × 53.98 mm 1 , equipped with a magnetic strip and / or electronic chip (it is then a smart card ), and...
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Fuel card
A fuel card or gas card is a means of payment , published by the networks of service stations , which provides fleet management means on behalf of businesses 1 . It allows companies to automatically track the fuel consumption of...
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Prepaid bank card
A prepaid bank card is a means of payment that derives from the debit card. The fundamental difference is the lack of connection with the bank account of the bearer’s bank.
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Wear (finance)
The wear means the interest of a loan rate abusive. Formerly, attrition meant any interest regardless of the rate. The loan consists of capital or merchandise sold on credit . The rate at which interest becomes usurious is defined by the state or fixed by custom .
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Third investor
In the field of financial engineering , we speak of ” third party investor “ to designate a partner (the “third party”, public or private ) who intervenes in a system where a customer could not buy alone...
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Overall effective rate
The global effective rate ( TEG ) 1 is the translation, in the form of a rate , of the real cost of a mortgage or consumer credit according to the calculation standards applied in France . This rate must be provided obligatorily by the French credit...
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Equivalent interest rate
An equivalent interest rate is a financially accurate sub-annual interest rate at the nominal annual rate . It is determined by the following formula:{\ displaystyle \ textstyle i_ {e} = (1 + i) ^ {\ frac {1} {n}} –...
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Annualized annualized rate
Functions of the APR Principles The notion of effective rate describes a quantified indicator, which includes the nominal rate of a credit, plus the costs directly related to the subscription of this credit. By a...
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subprime
The term ” subprime ” became known in French as a result of the subprime crisis in the United States , which triggered the financial crisis from 2007 to 2011 . It means more risky loans for...
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Subordination (finance)
The subordination of debt (finance) is a technique that consists of making the repayment of a debt to one or more others. The general principle is that when there is not enough money to repay...
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Bonding company
A surety company is a corporation created by a bank in order to reduce the surety fees for individuals (no mortgage registration fee , no notary fees ), in the case of a purchase immovable. This type of guarantee is advantageous for customers...