Mintos Marketplace
Finance

Mintos Statistics (February 2018)

The goal of this article is to get a good understanding of the Mintos portfolio. We will try to analyze the loan status by various filters. However, it seems that through the loan book we cannot find defaulted loans. So we’ll filter out finished loans for this article.

Current Loan Status By Country

Do note that there are some new countries in this list such as Kazakhstan and Kenia. You may want to ignore these countries for now.

Country Amount Total Percentage
Albania 7085 7801 91%
Botswana 2817 5914 48%
Bulgaria 10846 12208 89%
China 2 10 20%
Czech Republic 1917 3117 62%
Denmark 1505 2243 67%
Estonia 3888 4582 85%
Finland 308 376 82%
Georgia 154715 178774 87%
Kazakhstan (new) 258 258 100%
Kenya (new) 275 279 99%
Latvia 45251 55635 81%
Lithuania 11392 13716 83%
Moldova 14903 15356 97%
Poland 17067 22918 74%
Romania 1564 2061 76%
Russian Federation 1702 1935 88%
Spain 10949 16282 67%
Sweden 2296 2298 100%

Current Loan Status By Country

Botswana is still at the bottom of the list. When we look at the loan book and apply another query on it, we see that the most important loan originator is GetBucks for this country. You may want to filter out both GetBucks and Botswana out of your portfolio, including loans from Spain. Spain also has notoriously bad loans on Bondora, perhaps it is related, I don’t know.

  • Term: >3 months
  • Buyback Guarantee: Yes
Country Amount Total
Albania 6936 7635 91%
Botswana 1095 2596 42%
Bulgaria 7971 9013 88%
Czech Republic 6 6 100%
Denmark 401 558 72%
Estonia 3706 4333 86%
Finland 303 369 82%
Georgia 106749 121145 88%
Kenya 272 276 99%
Latvia 23496 28259 83%
Lithuania 10154 12230 83%
Moldova 3681 3931 94%
Poland 11354 13941 81%
Romania 1429 1886 76%
Spain 335 490 68%
Sweden 2254 2256 100%

Current Loan Status By Country (Part 3)

Increasing the minimum loan term to 6 months. We notice that the overall on-time paid loans increases.

  • Term: >6 months
  • Buyback Guarantee: Yes
Country Amount Total
Albania 6207 6850 91%
Botswana 1041 2377 44%
Bulgaria 4373 4932 89%
Czech Republic 6 6 100%
Denmark 357 480 74%
Estonia 3696 4321 86%
Finland 272 330 82%
Georgia 80948 91238 89%
Kenya 264 267 99%
Latvia 19137 22741 84%
Lithuania 9549 11536 83%
Moldova 2633 2809 94%
Poland 10610 13196 80%
Romania 1336 1774 75%
Sweden 1746 1748 100%

Interest Rate By Current Loan Status

We do notice that up to 8%, all loans are paid back on time roughly 95% of the time. As we increase the interest rate, there is no pattern.

Loan Rate Percent Amount Total
6 7 8 88%
7 212 221 96%
8 3862 4045 95%
9 8925 12685 70%
10 12818 19056 67%
11 41332 56495 73%
12 83749 95232 88%
13 48989 58946 83%
14 63836 70232 91%
15 751 886 85%
16 45 60 75%
17 7790 9265 84%
18 16362 18569 88%
19 4 4 100%
20 58 59 98%

Interest Rate By Current Loan Status (Part 2)

When enabling the minimum term of 6 months and buyback guarantee, the same trend continues.

  • Term: >6 months
  • Buyback Guarantee: Yes
Loan Rate Percent Amount Total
5 5 5 100%
7 98 100 98%
8 2657 2773 96%
9 1023 1249 82%
10 8174 9459 86%
11 13036 15304 85%
12 30478 37654 81%
13 73589 82836 89%
14 4572 5417 84%
15 468 515 91%
16 15 17 88%
17 8060 9275 87%

Loan Status By Interest Rate (Part 3)

  • Loan Issue Date: Older than 3 months
Loan Rate Interest Rate Amount Total
6 7 8 88%
7 208 216 96%
8 2495 2650 94%
9 1758 2482 71%
10 4462 5386 83%
11 6993 9612 73%
12 27130 33374 81%
13 16102 19998 81%
14 8822 10840 81%
15 676 800 85%
16 39 54 72%
17 5269 6314 83%
18 456 553 82%
19 4 4 100%

Current Loan Status By Loan Originator (Part 1)

This is starting to draw a clearer picture. The quality of the loans you buy depend on the loan originator.

  • Issue Date: 1 month or older
Loan Originator Amount Total
Aasa 8776 8778 100%
ACEMA 23 24 96%
Aforti 214 309 69%
AgroCredit 1 2 50%
Banknote 12817 18543 69%
BIG 55 55 100%
Bino 1547 4206 37%
Capital Service 3015 4042 75%
Capitalia 200 284 70%
CashCredit 5167 6293 82%
Creamfinance 1821 5975 30%
Creditstar 1641 4757 34%
Debifo 102 150 68%
Dindin 256 971 26%
EcoFinance 171 404 42%
EuroOne 322 1395 23%
Extra Finance 32 55 58%
GetBucks 1066 5030 21%
Hipocredit 469 600 78%
ID Finance 6962 10820 64%
Invipay 216 216 100%
ITF Group 1768 1782 99%
IuteCredit 5688 6398 89%
Lendo 64274 84634 76%
Mogo 19340 24315 80%
MoneyMetro 924 1176 79%
Mozipo Group 5115 6146 83%
PangMaoBao 2 10 20%
Sebo 7559 8010 94%
Watu Credit 216 220 98%

Current Loan Status By Loan Originator (Part 2)

  • Issue Date: 3 months or older
Loan Originator Amount Total
Aasa 6056 6056 100%
ACEMA 23 24 96%
Aforti 159 242 66%
AgroCredit 1 2 50%
Banknote 5254 7159 73%
BIG 41 41 100%
Bino 2 197 1%
Capital Service 2620 3230 81%
Capitalia 124 193 64%
CashCredit 2244 2856 79%
Creditstar 27 263 10%
Debifo 14 43 33%
Dindin 17 76 22%
Extra Finance 32 55 58%
Getbucks 477 1741 27%
Hipocredit 442 571 77%
ID Finance 2888 3487 83%
ITF Group 1117 1131 99%
IuteCredit 1610 1680 96%
Lendo 26962 32593 83%
Mogo 16927 21259 80%
MoneyMetro 519 677 77%
Mozipo Group 3470 4226 82%
PangMaoBao 2 10 20%
Sebo 3302 3470 95%
Watu Credit 91 94 97%

Current Loan Status By Loan Originator (Part 3)

Starting to get closer to get the perfect portfolio on Mintos with the following filters?

  • BuyBack: Yes
  • Countries: excl Botswana, China, Denmark, Romania and Spain
  • Issue Date: 1 month or older
  • Term: > 6 months
Loan Originator Loan Status Amount Total
Aasa Current 8292 8294 100%
ACEMA Current 6 6 100%
Aforti Current 213 305 70%
Banknote Current 7681 9982 77%
BIG Current 55 55 100%
Capital Service Current 3015 4042 75%
Capitalia Current 13 13 100%
CashCredit Current 2726 3172 86%
Creamfinance Current 135 415 33%
Creditstar Current 53 119 45%
Hipocredit Current 64 70 91%
ID Finance Current 5455 6259 87%
ITF Group Current 1409 1423 99%
IuteCredit Current 5355 6035 89%
Lendo Current 56951 69663 82%
Mogo Current 17911 22346 80%
MoneyMetro Current 803 1016 79%
Mozipo Group Current 3925 4513 87%
Sebo Current 1827 2042 89%
Watu Credit Current 209 213 98%

Loan Status By Loan Type

Based on the last used filters, I now get the following results.

  • BuyBack: Yes
  • Countries: excl Botswana, China, Denmark, Romania and Spain
  • Issue Date: 1 month or older
  • Term: > 6 months
Loan Type Amount Total
Business Loan 237 329 72%
Mortgage Loan 70 76 92%
Personal Loan 97346 117314 83%
Personal Loan With Pledge 281 455 62%
Secured Car Loan 18164 22603 80%

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2 Comments

    • Jonas Hendrickx

      Red is performing unsatisfactory, and is recommended to be avoided. The overall recommended current vs late loan percentage is 80% or higher. Do note that March 2018 statistics are also available here.

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