PROVIDENT FINANCIAL ROMANIA I.F.N. SA

Provident is one of the largest employers and one of the most important British investments in Romania, part of the International Personal Finance group, listed on the London Stock Exchange, with a business model of nearly 140 years.
Since 2006, we have provided simple, personalized loans to more than 1,2 million Romanians from different social classes and age groups that could have been otherwise excluded from any source of financing.
Provident opens the access to the banking services market of a large category of consumers by creating a credit history and stimulating financial responsibility and inclusion.
Thus, about 45% of our clients (from the current portfolio) live in rural areas, where modern payment instruments are rarely used, and access to other creditors (bank branches or other financial institutions) often involves uncomfortable and expensive travel.

1) Better enforcement and modernisation of EU consumer protection (Omnibus directive)
- Doorstep selling
- Penalties in consumer protection legal cases
2) Representative actions for the protection of the collective interests of consumers (collective redress / class action)
3) Consumer Credit Directive Review
4) VAT on financial services
5) Concluding contracts at distance

http://www.provident.ro

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