Bondora Blog

 In general, longer maturity of a loan is usually associated with higher risk; thus, some investors avoid investing into loans that have a duration of over 36 months. However, over 50% of the loans that came to Bondora marketplace this year had duration of over 36 months, so we decided to analyze if investors are…

We are preparing for the launch of a Bondora Rating that would be used to estimate risk of loan applications and would like to give you an early preview of the upcoming change. The model used for calculating the Rating accounts for market specific levels of probability of default, exposure at default and recovery rates; thus, incorporating…

We hit another record month this September with originated loan volume reaching EUR 2.25 million or a 10% increase from August. Big thanks to all our investors for the continued trust. We are constantly working on providing you with a larger selection of profitable investment opportunities.

Last August Bondora had an unusual guest for 1 month. We were contacted by a student from Stockholm School of Economics, who also happened to be our investor, asking for a possibility of an internship. As Madis Teinemaa explained us, he wanted to understand if Bondora was a sustainable platform and could not come up…

Bondora credit approval process involves several checks, which are done on the borrowers. Today we will be lifting the curtain on the process of credit checking by introducing you to a day in the life of our credit analyst. We have 12 credit analysts, who are constantly performing checks on all incoming applications. We sat…

(An overview of how diversification has affected our investors' returns.) The common suggestion is to diversify equally among a lot of different investments to reduce volatility caused by good or bad performance of any single investment and earn the platform average returns. But how much is good enough diversification? We have analyzed our investors' loan…

We recently experienced a major increase of applications from people looking to refinance their credit card balances. The proportion of demand for refinancing other liabilities in Estonia for the months in 2014 amounts to nearly twice as much as in our total portfolio with all other countries included. The demand accounts to 160% compared to the same period in the…

Meet one of our investors Jaak. He started investing at Bondora in 2013. He is living in Estonia and considers himself mainly as an investor who is also involved with projects in education. The main reason why he decided to join Bondora was to diversify his investments between different asset classes and Bondora provided an opportunity to earn…

Today we would like to introduce you to Tauri, another investor at Bondora. Tauri is one of the thousands of people who started investing with Bondora in 2012. Tauri works in Estonia in the logistics sector and has originally started investing into Bondora loans, because this asset class is easily accessible to different people and…

Meet David. David is one of the thousands of investors at Bondora who started investing with us in early 2014. He is living in Sweden and is working in on-line security. His main reason for investing with Bondora was the advertised return on investment, the amount of available statistics on our loan portfolio, option to…